vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
This is a follow-up on my previous open CFPB complaint ( XXXX ), where TD Bank is still `` in progress. '' On XX/XX/year>, I was in an extremely vulnerable and chaotic state : I was in the final stages of moving from Maryland to XXXX to start a new job that I had worked very hard to secure. I was packing up my entire life, managing logistics, and dealing with significant anxiety about the transition and making a strong first impression before my first day. At approximately XXXX XXXX, I received an email claiming to be from the CEO of the company where I was about to start this new job. The email requested my phone number for " official purposes. '' Wanting to be cooperative and professional right before beginning the role, I provided it. 

Shortly after, I received text messages from an unknown number pretending to be the CEO. The sender said they needed help with a confidential " quick errand '' to surprise staff with gift cards for good work, emphasized not telling anyone to avoid ruining the surprise, and created intense urgency by implying it was time-sensitive and only I could assist. Starting around XXXX XXXX  the same day, the sender directed me to buy gift cards immediately, beginning with XXXX {$200.00} XXXX cards and escalating to more. 

Because I was overwhelmed by the move, deeply eager to prove myself before starting the job, afraid of disappointing the CEO right at the beginning of my new role, and under strong pressure from the urgency and confidentiality demands, I complied. I purchased approximately {$1900.00} in various gift cards ( including XXXX, XXXX multi-brand, XXXX  prepaid, XXXX, XXXX, XXXX ) using my XXXX credit card ( {$1600.00} ) and TD Bank credit card ( {$250.00} ) at XXXX XXXX and XXXX. 

The sender repeatedly asked for photos of the scratched PINs/codes, which I sent. All cards were redeemed almost immediately by the scammer. 

I realized it was a CEO impersonation gift card scam the same day, still in the middle of my moving chaos. I contacted the gift card issuers, who confirmed full redemption. I reported the fraud to TD Bank customer service on XX/XX/year>, requesting a dispute. TD Bank initially refunded {$250.00} but later reversed it and denied the dispute, stating it was authorized and voluntary. 

I filed a police report for impersonation fraud ( tracking number XXXX from XXXX XXXX XXXX XXXX Police Department ) and opened CFPB complaints. 

This is a proven scam induced by impersonation and deception, exploiting well-documented psychological vulnerabilities : the pressure of starting a new job, fear of disappointing a new employer, chaos of relocating, and urgency tactics designed to bypass rational thinking. I request reversal and refund of the {$250.00} TD Bank charges under zero-liability policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Company LVNV has contacted me over the last XXXX  years more then XXXX times. They moved into a judgement with the state of XXXX which was dismissed because they could not locate my living address to properly serve me. After the dismissal they have CONTINUED to attempt to collect on the debt with a different $ amount each time. Phone representatives refuse to provide proof of any documentation and are extremely rude and unprofessionalism, calling at XXXX and as late as XXXX week days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
Subject : Predatory Lending, Hidden Dealer Fees, and Failure to Respond to Settlement Offer ( Account : XXXX Complaint : I financed a residential solar system through GoodLeap ( Loan for XXXX XXXX XXXX installation ). The installer, XXXX XXXX, has filed for XXXX XXXX bankruptcy and is liquidating. My system was misrepresented, and I have reason to believe my loan principal includes undisclosed " dealer fees '' of 1530 % that were never revealed to mea deceptive practice currently the subject of litigation by the Minnesota Attorney General ( State of Minnesota v. GoodLeap, LLC, Case No. XXXX ). 

GoodLeap has placed a UCC-1 fixture filing/lien on my property in XXXX, TX, which is actively preventing the sale of my home. I attempted to resolve this in good faith by sending a settlement offer via email on [ Insert Date approx 2 weeks ago ], 2026. GoodLeap has ignored this communication for over 14 days, effectively stalling my ability to sell my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: MI

Complaint narrative:
Discover is either unable or unwilling to protect my card from unauthorized charges. I contact them XX/XX/XXXX to report a fraudulent charge from XXXX for {$21.00} dated XXXX. Despite informing them of unauthorized access to my account XX/XX/XXXX, additional unauthorized charges were allowed to process on XXXX, again from XXXX for {$14.00} and {$10.00}. I again reported the fraud on XXXX at which time the explanation provided was nonsensical. They claimed the charges were transferred from prior disputes from well over a year ago. I informed the representative that if true, they were violating Reg Z as they are required to resolve billing disputes within 90 days of being notified. Now on XX/XX/XXXX I have contacted Discover for a third time to inform them of yet another unauthorized charge from XXXX for {$9.00} dated XXXX. At this time they tell me their Fraud center is closed and I will have to call back on the next business day to dispute the charge. After the first unauthorized charge I froze my account and provided evidence from my XXXX account showing these charges are not related to my or my wife 's XXXX device. Yes Discover can not seem to stop the Fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
I am disputing an invalid collection from National Credit Systems ( XXXX ). They are reporting an incorrect move-out date of XX/XX/year>, causing invalid rent charges for XX/XX/year>. 

XXXX. Actual Move-Out ( XX/XX/year> ) : Attached is my email to management dated XX/XX/year>. The XXXX explicitly agreed to " set up [ my ] move out '' for XX/XX/XXXX. The " XX/XX/XXXX '' date in XXXX records is a clerical error. 

XXXX. XXXX XXXX XXXX : Paragraph XXXX of my XXXX XXXX limits the penalty for insufficient notice to " XXXX additional month 's rent. '' XXXX. Debt Satisfied : The Alabama Emergency Rental Assistance ( ERA ) program paid the rent for XX/XX/year> in full ( Case # XXXX ). 

Because the XXXX XXXXrogram paid the " XXXX additional month '' penalty ( XXXX ), the debt is fully satisfied. Charging for a second penalty month ( XXXX ) violates the lease terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is identity theft remove it immediately I have no knowledge of this account due to Equifax data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XX/XX/year> Collection Agency Name Address Unknown Re : Alleged Account No Account Number Provided To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt. No valid account number was provided to me, and I do not recognize this debt. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I formally dispute this debt in its entirety and request full validation. Please provide the following documentation : XXXX. The name and address of the original creditor. 
XXXX. The original account number associated with the alleged debt. 
XXXX. A complete itemization of the amount claimed, including principal, interest, fees, and any additional charges. 
XXXX. A certified copy of the original signed contract or agreement bearing my signature that created the alleged obligation. 
XXXX. Complete documentation of the chain of assignment if the debt has been sold or transferred, including a bill of sale specifically referencing my alleged account. 
XXXX. Proof that your company is legally authorized to collect debts in the State of Wisconsin. 
XXXX. Proof that the statute of limitations has not expired on this alleged account. 

Until you provide proper validation and documentation, you must cease all collection activity, including reporting this account to any credit reporting agencies. If this account is currently being reported, it must be marked as disputed. 

If you are unable to provide the requested documentation, you must immediately cease collection efforts and delete any reference to this alleged account from all credit reporting agencies. 

This letter is not a refusal to pay, but a formal notice that the debt is disputed and validation is requested. This request is made without acknowledgment of liability. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BMO BANK NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I paid a late fee of {$40.00}, and was told that the late fee was {$52.00}. The last fee was {$40.00}, when I asked if there was a change in the fees. The agent stated the fees were computer generated. I paid a fee previously if {$19.00}. I have always thought late fees were a set fee, not generated by a computer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am filing this complaint because my Chime account is showing as active in their system, but I am unable to use it. I can not transfer funds, add my card to XXXX XXXX, or access my money in any way. Customer support has repeatedly told me that my account is not frozen and is fully active, yet all account functions are being denied. I am hard of hearing and requested that this matter be handled through written communication, but they continue attempting to direct me to phone support instead of resolving the issue in writing. I am concerned that my account may actually be restricted despite being told otherwise, and I am requesting a full written explanation of my account status and immediate access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
A debt collection company, Fair Collections & Outsourcing, is reporting a collection account for approximately {$4900.00} that I do not owe and do not recognize. 

This account appears on my credit report and lists an original creditor, but I have never received proper documentation proving that I am legally responsible for this debt. I previously disputed this account, and it was reinvestigated, yet it continues to be reported without adequate validation. 

The company has not provided a copy of any signed contract or lease, a complete payment history, or proof that they have the legal right to collect this debt from me. Despite this, the account remains on my credit report and is causing ongoing harm to my credit. 

I believe this is inaccurate and unverified reporting in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am disputing this account because the debt is not mine and has not been properly validated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIRST PORTFOLIO SERVICING INC
State: NJ

Complaint narrative:
I spoke with a representative to request a letter of debt validation. Told me to contact XXXX XXXX XXXX. XXXX XXXX XXXX sent me a billing statement and claimed this company is not listed on my credit report. It is on my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I was charged for a 2-year subscription that I did not intend to purchase. I contacted the merchant immediately and was instructed that a refund would be issued once the tracker was returned. 

The return was approved on XXXX XXXX XXXX I shipped the item on XXXX XXXX XXXX, and USPS tracking confirms it was delivered to the merchants facility in XXXX, PA on XXXX XXXX XXXX XXXX XXXX XXXX.

After delivery, the merchant removed the tracker and subscription from my account, confirming receipt of the returned item. Despite this, the promised refund was never issued. 

I disputed the charge with my card issuer, but the dispute was denied based on the incorrect claim that the item was not returned. This is contradicted by USPS delivery confirmation and the merchants own actions after receiving the return. 

Again, despite providing proof of return and delivery, my credit card issuer denied my dispute based on incorrect information that the item was not returned. The issuer failed to properly investigate the evidence I submitted and relied on inaccurate information from the merchant. I am requesting that the issuer correct this error and process a full refund in accordance with their obligations under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I filed a dispute with on my Cash App account with XXXX XXXX for the amount of {$200.00} on XX/XX/XXXX, the purchase was done on XX/XX/XXXX. I disputed due to the job not being completed I have picture proof of parts just sitting in my car not put back together, receipts, and proof of communication with XXXX XXXX demanding refund or to finish job ( they declined both ). Cash app denied the dispute and I appealed the deny with all of my supporting evidence on XX/XX/XXXX. It is now XX/XX/XXXX I have been reaching out to cash app every single day and getting the same copy and pasted response with no help or no updates or progress on my case after XXXX full days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I ordered an authorized user card on my XXXX account, intended for use while the authorized user travels outside the US. 

Capital One would only mail it to a US domestic address, so it took several months to get there, pick up the card, and manually hand carry it myself to said authorized user overseas. 

I activated the card in the app with no issues once there, but every time my authorized user tried to use it, it was declined. This led to significant inconvenience and frustration. I called Capital One, and they informed me no such card * even existed, * a card I was physically holding in my hands, that I had personally had to manually hand courier to the opposite end of the earth, and that I had personally activated in the app, in the destination country, with no problems just two days before. A project of months, rendered completely pointless by inaccurate record keeping or database errors on Capital One 's part. 

This is a failure to provide credit, AND an egregious failure of record keeping on Capital One 's part. And there is no forthcoming solution! The phone representative disconnected on me, and there is no way to get a working card out here, and I'll be here for months. What am I supposed to do, waste ANOTHER six months waiting to get back to the US, pick up and manually hand-courier cards back overseas, and hope that card doesn't just silently not exist for no reason at all?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am submitting this complaint regarding an unauthorized electronic funds transfer involving my Chime account and XXXX, and Chimes failure to comply with its obligations under Regulation E ( 12 CFR 1005 ). 
On XX/XX/year>, my phone, wallet, and keys were stolen. A police report was filed documenting this theft. Following the theft of my device and credentials, unauthorized transactions totaling {$3700.00} were initiated through XXXX and debited from my Chime account to purchase cryptocurrency from a merchant identified as XXXX XXXX. 
I did not authorize these transactions. They occurred after my phone and personal items were stolen, and I did not participate in, approve, or benefit from any of the XXXX XXXX transactions. 
XXXX initially investigated the unauthorized activity and closed the case in my favor on XX/XX/year>, identifying the transactions as unauthorized and listing refunds for the affected amounts. Subsequently, XXXX reversed its decision without providing new evidence. Chime then denied my dispute while relying on XXXX reversal instead of conducting an independent investigation. 
Additionally, XXXX records show that a new credit card was added to my XXXX account on XX/XX/year>, after my phone was stolen. This is consistent with account takeover and further supports that the transactions were unauthorized. 
A partial merchant refund totaling {$57.00} was later credited back to my account. This was only a partial refund and does not resolve the unauthorized electronic funds transfer. The remaining unauthorized balance is {$3600.00}. 
Under Regulation E, the financial institution holding the consumers account is required to conduct an independent, good-faith investigation of unauthorized electronic funds transfers and to permanently credit the account when the transfer was not authorized. Reliance on a third partys determination does not satisfy this obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TN

Complaint narrative:
Complaint Against XXXX XXXX XXXX XXXX for Undelivered or Mishandled Orders I am filing this complaint against XXXX regarding the denial of legitimate refund requests for orders that were not properly fulfilled. 

I placed multiple orders through XXXX and experienced delivery issues, including items that were not received, incorrectly delivered, or otherwise mishandled. In these situations, I followed XXXX policies and requested refunds for items I did not receive or could not use. 

Despite this, XXXX denied my refund requests without providing sufficient explanation or a fair review of the circumstances. As a result, I have been charged for products that were not delivered or were unusable, which is unacceptable. 

I have made these refund requests in good faith based on actual delivery failures, not misuse of the system. XXXX refusal to issue refunds in these cases places an unfair financial burden on me as a consumer. 

I believe XXXX is failing to properly investigate delivery issues and is denying valid claims without adequate justification or transparency. 

I am requesting a full review of my transactions and refund requests, as well as a fair resolution for the items I did not receive or could not use. 

I am prepared to provide order details, tracking information, and any supporting documentation necessary to validate my claims.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
I was charged {$180.00} by Harris & Harris for XXXX XXXX on XXXXXXXX XXXX XXXX I do not use XXXX XXXX services and never have. I am XXXX XXXX XXXX and use XXXX XXXX XXXX  for 10 years.

Company response to consumer: Closed with explanation