vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 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: TX

Complaint narrative:
I am filing this complaint regarding an unauthorized electronic fund transfer that is currently under investigation by my financial institution. 

On XX/XX/XXXX, an amount of {$590.00} was debited from my account through XXXX via XXXX XXXX without my authorization. I did not initiate, approve, or benefit from this transaction. 

As soon as I became aware of the charge, I promptly reported it and filed a dispute in good faith. The dispute is currently marked as under investigation, and I have been asked to provide supporting documentation. 

Due to prior experiences where similar disputes were denied without proper justification, I am proactively submitting this CFPB complaint to ensure that my rights under federal law are fully protected and that a lawful investigation is conducted.

Regulation E Legal Obligations Under the Electronic Fund Transfer Act ( EFTA ), Regulation E, the financial institution is required to : Conduct a reasonable and timely investigation Provisionally credit funds where applicable Provide written findings supported by evidence Prove authorization if denying the claim This transaction was not authorized, and any denial without clear proof of authorization would constitute a violation of federal consumer protection law.

Crypto-Related Merchant Does Not Remove Liability Although the transaction involves a crypto-related service ( XXXX XXXX XXXX XXXX  ), the funds were withdrawn from my regulated financial account. Therefore, this transaction remains fully subject to Regulation E protections, and responsibility can not be waived based on the nature of the merchant.

Harm and Risk Financial loss of {$590.00} Ongoing uncertainty and stress Risk of improper denial without evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: KY

Complaint narrative:
I am disputing an XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) that was billed at tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, over a very short distance. 

XXXX billed the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I contacted XXXX XXXX XXXX requesting a formal reconsideration of the XXXX  charge and a written explanation identifying which XXXX services justified the billing. I was repeatedly told verbally that the charge was valid, but no written explanation or documentation supporting XXXX XXXX XXXX XXXX  I was instead directed to request medical records through a third-party vendor ( XXXX ). 

After obtaining and reviewing the XXXX  myself, I found no documentation supporting XXXX XXXX. Despite this, XXXX did not provide a written determination explaining how the XXXX  billing was justified, nor did they explain how the XXXX  supports the charge. I was told the matter was under review and that I would be updated within XXXX business days, but no substantive response was provided. 

During this time, the account was placed with a collection agency while the charge was actively disputed. I believe XXXX failed to adequately investigate the dispute, failed to provide requested information supporting the charge, and continued collection activity on a disputed amount without proper validation. 

I am requesting that the XXXX  charge be formally reviewed based on the actual services documented in the XXXX, that the bill be corrected to the appropriate level of care if XXXX  was not provided, and that any related collection activity be corrected accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX after I had logged into my account I saw a transaction charged to my account that I did not authorize. I had just had XXXX and was not actively checking my account. I called and disputed the ach transfer and provided all the information to Chase. I received an email from them saying my dispute was denied. I dont feel as if they are trying to aid me in this difficult time nor are they trying to investigate my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am disputing the following accounts as they are inaccurately reported or unverifiable : Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2026-02-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Netspend Corporation
State: GA

Complaint narrative:
Netspend fraud alert is sending alerts and then blackmail you to pay some charges or have your account locked. It's happened more times than I can coount.

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 2026-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: A&D Mortgage LLC
State: GA

Complaint narrative:
Business Name : A & D Mortgage Loan Number : XXXX I am filing this complaint regarding A & D Mortgages failure to properly disburse my homeowners insurance payment from my escrow account. The homeowners insurance payment to XXXX XXXX was due in XX/XX/year>. As of today, XXXX XXXX has not received any payment, despite multiple assurances from A & D Mortgage that the issue was resolved. I have contacted A & D Mortgage on four separate occasions and spoken with four different representatives. Each time, I was told there was a back-end issue, that the check had not been sent, and that a new check would be overnighted to XXXX XXXX. I was also told this had been corrected each time. Despite these repeated assurances, no payment has been received by XXXX XXXX, and no tracking numbers or proof of mailing have ever been provided. At this point, it is unreasonable to believe that four overnighted checks were sent and all failed to arrive without explanation. Managing escrow accounts and ensuring timely payment of required obligations is a fundamental responsibility of a mortgage servicer. A & D Mortgages repeated failure to resolve this issue has caused unnecessary stress and places my homeowners insurance coverage at risk. Resolution Requested I am requesting the following : 1. Immediate confirmation that the homeowners insurance payment has been properly issued and received by XXXX XXXX XXXX. Written proof of payment ( including tracking information, if applicable ) 3. A clear explanation for why this issue has persisted after multiple contacts 4. Immediate access to my escrow account or authorization to pay XXXX XXXX directly using escrowed funds, so I can ensure payment is made without further delay I am seeking prompt resolution and written confirmation that my escrow obligations are current and properly managed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXXis falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
COLLECTION MANAGEMENT is falsely reporting on my credit. I have never had any accounts with them. Per my research COLLECTION MANAGEMENT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX  is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
To whom it may concern at the Consumer Financial Protection Bureau, I am submitting this formal complaint regarding a debit transaction that was reversed by the merchant due to an execution error, but for which my bank has failed to return the funds to my account. 

On XX/XX/year>, I made a payment using my personal bank account with Chase in the amount of {$890.00} to XXXX XXXX XXXX XXXX, for patient account number XXXX. My intention was to make a partial payment of {$15.00} only. However, due to an execution error at the hospital, the full balance was charged to my account. 

The hospital later confirmed via email that the transaction was reversed because it was processed in error. Despite this reversal, the funds were deducted from my Chase bank account and have never been returned. At the same time, the hospital confirms that the outstanding debt remains active, which proves that the funds were neither applied nor refunded.

I have contacted Chase multiple times and provided all available documentation, including the hospitals written confirmation that the transaction was reversed due to error. Chase has refused to return the funds, stating that the documentation is not valid, leaving me without my money and still responsible for the debt.

This situation represents an unfair financial harm : The debit was not authorized in the amount charged The merchant reversed the transaction due to error The funds were never returned to my account The bank has failed to resolve the issue despite clear evidence I respectfully request that the CFPB review this matter and require Chase Bank to properly investigate and return the funds that were wrongfully debited from my account. 

My contact information is below : Name : XXXX XXXX XXXX Email : XXXX Phone : ( XXXX ) XXXX Bank : Chase Bank Transaction Date : XX/XX/year> Transaction Amount : {$890.00} Thank you for your time and assistance. I appreciate your help in resolving this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: New Horizons Finance Company, Inc
State: FL

Complaint narrative:
NEW HORIZ is falsely reporting on my credit. I have never had any accounts with them. Per my research NEW HORIZ is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
I am submitting a complaint regarding unauthorized financial transactions in my Robinhood brokerage account and the firm 's refusal to reimburse losses or meaningfully investigate the incident. 

On XX/XX/year> at approximately XXXX AM ET, unauthorized trading activity occurred in my Robinhood account without my knowledge or consent. My existing stock positions were sold, and high-risk options trades were placed. These transactions occurred without any XXXX authentication ( XXXX ) prompt or verification, despite XXXX being enabled on my account. I contacted Robinhood immediately at approximately XXXX XXXX XXXX on the same day to report the suspicious activity and freeze my account. I fully cooperated with their review. A Robinhood representative later informed me that they had identified suspicious login activity associated with an Indonesian IP address and suggested that my personal computer may have been affected by a security issue. At Robinhoods recommendation, I obtained a professional security inspection of my PC. 

A third-party inspection conducted by XXXX XXXX XXXX XXXX XXXX and removed multiple malware items. This information was provided to Robinhood. Despite this, Robinhood denied reimbursement and permanently closed my account, stating only that the activity originated from an " authorized device ''.

Robinhood did not explain how unauthorized transactions that bypassed XXXX constitute customer authorization, nor did they explain how suspicious login activity was ruled out or further investigated. Their decision appears to rely solely on device classification rather than whether the customer actually authorized the transactions or whether security controls failed. 

I am requesting that the CFPB review Robinhood 's handling of this matter, specifically I am requesting review of : 1. Robinhoods reliance on the concept of an " authorized device '' to deny reimbursement without providing a clear explanation of how two-factor authentication ( XXXX ) was bypassed 2. The adequacy of its investigation into suspicious login activity and whether such indicators were meaningfully evaluated 3. The lack of transparency in explaining how conclusions were reached 4. Whether closing a customers account and denying correction without substantive explanation is consistent with reasonable security and consumer protection standards I am seeking regulatory oversight to ensure that consumers are not held financially responsible for unauthorized activity based solely on opaque technical determinations, and that security representations made to customers are supported by transparent and fair investigative practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: Block, Inc.
State: IL

Complaint narrative:
There is a fraudulent charge on my account by a company called 'XXXX XXXX ' also now featuring as XXXX XXXX. I saw them online, they chatbox says, ask any question. I sent a question, a while later, it took me to a page where my question was to be sent and was told to pay {$5.00} for the one time service. I paid the {$5.00}, so the company got my debit card number which was a Cash App debit card. To my surprise, after tthe question was answered andI had left the website, I found that I had been charged {$5.00} and also another {$65.00}! What? I exclaimed. I went back to the chat and found outt tthat it was an AI agent and no live agent there to act on the matter. I got the email as stated for issues of this type nad reported that I found they had charged me for a monthly subscription but I do not need one, I only needed a one-time answer to a question. They should please refund my money. This was within one hour of this charge. But I got no response. they simply ghosted me! To my dismay, This company is actively conducting illegal accessing of innoc ent website visitors ' financial data by asking for {$5.00} which is an amount anyone can easily pay, but then use that opportunity to use that card information to take more. And this was how they would have been taking more and more from the unsuspecting user, and that money will never be refunded, because this company is poised to do this financial crime and have card companies like CashApp assisting them in this malpractice. 
I am sure many people must have this experience. 

Cash App is now siding with them in the extortionist scheme despite my report of this within an hour of occurrence. I called CashApp immediately I saw the charge, and my contact with the company was just within that one hour of the call. Does that sound like someone who has signed a subscription? 

Now, CashApp has denied my dispute stating to me that a crime I reported to both the merchant and CashApp within one hour of the incident is an active subscription that I paid for. 
I never had an contractual agreement for a subscription, and I have not visited the site ever since. For example, if indeed it is true, where is the record of the subscription service and payment request? 

I must also add that on that day when I placed a call to CashApp, I requested for a supervisor, and a lady picked the call, and she was very rude. It was so strange the way she was unconcerned about the issue and this is why I have to make this report that CashApp has acted in a manner that is concerning to me as aiding and abetting 'XXXX XXXX XXXX in defrauding innocent users who make the mistake to hop on their XXXX  site through search as I did, so people can beware.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to request the Consumer Financial Protection Bureaus assistance in obtaining records and data relating to a wire transfer recall request initiated by Wells Fargo Bank , N.A . ( Wells Fargo ). 

* * Summary of Events * * In * * XX/XX/year> * *, a wire transfer in the amount of * * {$4900.00} * * was sent * * from XXXX XXXX to my account at XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX, XXXX demanded the return of these funds. 

In response to a CFPB complaint I filed against XXXX, XXXX stated in writing that it was * * acting solely in response to a request from Wells Fargo * *, and that the demand for return of funds originated entirely with Wells Fargo. 

To date, Wells Fargo has not provided me with the request itself, nor any documentation explaining the basis for this action. 

* * Failure to Disclose Wire Recall Request and Risk Data * * Despite being identified by XXXX as the originating institution, Wells Fargo has failed to disclose : * The * * complete wire recall or return request * * transmitted to Chase * Any * * risk indicators, alerts, or reports * * relied upon in making the request * Any * * consumer reporting agency, data broker, or third-party risk service * * whose data was used * Any * * internal Wells Fargo XXXX XXXX, fraud reviews, or decisioning records * * related to the wire transfer * Any * * communications or documentation * * transmitted to Chase explaining XXXX supporting the request Without access to this information, I have no ability to understand, verify, or correct the basis for Wells XXXX XXXX XXXX 

* * Request for CFPB Assistance * * I respectfully request that the CFPB require Wells Fargo Bank , N.A . to provide : XXXX. The * * entire wire recall or return request * * sent to XXXX XXXX XXXX, including all attachments, codes, internal notes, and metadata. 
XXXX. All * * risk reports, alerts, fraud indicators, or analysis * * used or generated by Wells Fargo in connection with this request. 
XXXX. Identification of all * * third-party data sources * *, including consumer reporting agencies or risk vendors, relied upon in connection with the decision. 
XXXX. All * * internal records and communications * * relating to the initiation of the request. 

Because Wells Fargo initiated an action that directly restricted access to my funds through another financial institution, transparency regarding the underlying data and rationale is essential. That transparency has not been provided despite repeated efforts. 

Thank you for your attention to this matter. 

Sincerely, * * XXXX XXXX XXXX * *

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