vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: UT

Complaint narrative:
I am filing a complaint against Chime regarding a transaction that occurred on XX/XX/XXXX for $ XXXX was targeted by an aggressive advance-fee fraud scheme on XXXX. The scammer sent highly sophisticated, counterfeit XXXX confirmation emails to trick me into believing legitimate event tickets were waiting for me. Under this false pretense, I used my Chime account and Visa card to transfer the funds to the seller. No tickets were ever delivered, and the transaction was entirely fraudulent.I contacted Chime to dispute this charge, but my claim was denied because the payment was 'authorized ' by me. However, this transaction falls squarely under consumer protection violations for services paid for but never received. I am requesting that Chime escalate this claim to their specialized fraud department and initiate a formal XXXX XXXX XXXX under Reason Code 13.1 ( Merchandise/Services Not Received ) to recover my stolen funds from the recipient bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX initiated a domestic wire transfer of USD XXXX from its Chase account ending in XXXX. Both the correct beneficiary name and the correct account number were provided to Chase. Chase failed to validate that the beneficiary name matched the account number before processing the wire. This is a clear violation of federal banking regulations, including Regulation E ( 12 CFR 1005 ) and UCC Article 4A, which require banks to verify beneficiary information and reject transfers when there is a mismatch. Chase processed the wire knowing there was a discrepancy. This error was solely Chases fault. Chase later acknowledged the mistake by returning only USD XXXX, but continues to withhold USD XXXX without any justification or supporting documentation. To date, Chase has not provided any proof ( XXXX trace, internal verification logs, confirmation of what was sent to the beneficiary, etc. ) showing that the funds were transferred correctly to the intended third party. Chase has only offered vague references to a recall process on best effort basis, which does not excuse their failure to perform mandatory verification. I have sent multiple detailed messages to Chase Retail Wires Research ( references : XXXX and others ) demanding full refund, written acknowledgment of fault, and complete supporting documentation. Chase has failed to provide these.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been calling CApital One Quicksilver credit card since XX/XX/year> regarding a a dispute over a XXXX XXXX charge. It was charged twice for {$59.00}. I amdisputing this charge because the XXXX XXXX neverworked and was never used. I did not realize that they were still going to bill me because I only got error messages when trying to use the XXXX XXXX XXXX. I have tried many times to contact XXXX XXXX without much success, but they did agree to a refund. However Capital One took away the refund and rebilled me anyway. I want my account to be credited for the full {$110.00} that I have been erroneously billed for. Capital One has only given me the runaround telling me to submit documents, call XXXX, etc.,, etc, but none of this has solved the problem thanks cheers

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This is my second formal attempt regarding identity theft and security fraud reporting on my consumer reports with LVNV FUNDING, LLC I am not requesting a reinvestigation under FCRA 611. I am demanding an immediate block and deletion under 15 U.S.C. 1681c-2 ( FCRA Section 605B ), which requires the credit reporting agencies to block fraudulent information resulting from identity theft within XXXX business days after receiving proper identity theft documentation. I have already notified LVNV FUNDING, LLC that these accounts, and related information are the result of identity theft and security fraud. Instead of complying with the law and blocking the fraudulent information, they are improperly attempting to reinvestigate the accounts, which is not the remedy required under Section 605B. This is a violation of federal law. Section 605B requires blocking and deletionnot verification, not reinvestigation, and not delay. Their continued reporting of fraudulent information is causing ongoing harm to my credit profile, financial standing, and ability to obtain fair access to credit. I demand immediate : Block and deletion of all fraudulent accounts, and associated personal information related to identity theft Written confirmation of the block and deletion The method used to continue reporting this fraudulent information The name of any furnisher claiming verification despite the identity theft claim Failure to comply will be considered willful noncompliance with the fdcpa and continued reporting of identity theft information after notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing this complaint against Capital One regarding their continued failure to resolve claim # XXXX, originally filed XX/XX/XXXX, for {$1200.00} now 51 days without resolution. This is my third CFPB complaint due to Capital Ones ongoing pattern of bad faith claim handling. Prior CFPB Complaint ID : XXXX. Capital One has now denied this claim twice on two completely different and legally impermissible grounds demonstrating a clear pattern of bad faith. First Denial Documentation Not Received : Capital One claimed they did not receive my documentation. This is factually false. Capital One sent me written confirmation on XX/XX/XXXX acknowledging receipt of my full 11-exhibit documentation packet and confirming it was in their system. Capital Ones own claims representative XXXX confirmed on a recorded call dated XX/XX/XXXX while looking directly at their internal system : I acknowledge that every attachment has been submitted successfully. I can see that. XXXX further confirmed : You sent evidence right before getting the email from Capital One stating that additional information was required. I can see that. XXXX also stated : Im trying to match why this is being denied because I see that the case was denied Im not sure why they would even say that. Second Denial Inability to Reach the Merchant : Capital Ones most recent denial states they were unable to reach the merchant. This denial reason is legally impermissible for three reasons. First, Capital One completed its acquisition of XXXX in XX/XX/XXXX and now operates as both the issuing bank and the XXXX network operator. Under XXXX own chargeback rules merchant non-response requires a ruling in the cardholders favor not a denial. Capital One violated their own network rules. Second, the merchants written acknowledgment of the defects dated XX/XX/XXXX is already in Capital Ones file confirmed visible by their own representative XXXX on recording. Capital One can not claim inability to reach a merchant whose written communications already exist in their possession. Third, Capital Ones own escalation representative XXXX confirmed on a recorded XX/XX/XXXX call that their CFPB response was based on unverified information from the claims team without reviewing my actual evidence packet. Capital One has now changed their denial reason twice, submitted false information to the CFPB, violated their own XXXX network rules, and had their own employees contradict both denials on recorded calls. The claim was reopened today XX/XX/XXXX under new claim number XXXX. This is now the third attempt to resolve a claim that should have been credited on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a formal regulatory complaint against Capital One for a failure to conduct a fair investigation and an administrative procedural error regarding a debit card dispute on my account. The disputed transaction amount is exactly {$130.00}. I originally authorized a transaction with a merchant, but the merchant engaged in active deceptive business practices and misrepresentation by failing to deliver the goods. The merchant utilized a bulk cross-border consolidator ( XXXX XXXX ) and intentionally and explicitly blocked a XXXX party mail courier investigation by actively withholding the domestic courier tracking details XXXX times. The merchant 's CEO has now explicitly admitted publicly on their business page in writing that they do not possess any final-mile local courier tracking or delivery confirmation records to my XXXX address XXXX Capital One accepted an initial dispute file XXXX weeks ago, but summarily denied it by accepting the merchant 's unverified bulk cargo transit manifest as definitive " proof of delivery. '' Capital One closed the file without ever contacting me to collect my screenshots or evidence. Furthermore, I escalated this to a supervisor ( Employee Max, ID # XXXX ) who explicitly stated on a recorded line that he understood the merchant 's behavior was deceptive and in bad faith, but stated that he could not assist. Capital One is allowing internal front-end software restrictions to violate overarching Visa/Mastercard network dispute regulations XXXX Under the debit network guidelines, a consumer has a right to file a misrepresentation and non-delivery claim up to XXXX days from the realization of non-delivery, up to a maximum cap of XXXX calendar days from the transaction date. Capital One failed to provide any mechanism for me to upload the written admission from the merchant 's CEO stating they have no XXXX tracking data. I demand an XXXX manual override and review of my attached evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied for a credit card online approximately XXXX weeks ago and received an automatic decline. To this day, I still have not received the adverse action letter explaining the reason for the decision. I called Wells Fargo on XX/XX/year> to request that my application be forwarded to underwriting for a manual review. The representative initially declined or appeared hesitant to submit the request, stating there was no merit factor to justify escalation. Before that statement was made, I explained that my credit score is around XXXX, my annual income is approximately {$200000.00}, and the recent inquiries on my credit report are the result of legitimate financial activity. Within the past year, I refinanced my mortgage multiple times, purchased several vehicles, and opened business-related credit accounts while acting as a grantor. Multiple inquiries do not automatically indicate elevated risk, especially when supported by strong credit history and income. When I asked the representative whether she had lending authority to make that determination, she stated that she did not. If that is the case, then the appropriate action should have been to forward the reconsideration request to underwriting rather than dismissing it at the frontline level. Wells Fargo is one of the oldest and most established banks in the country, and many institutions look to it as an example. Experiences like this highlight the importance of properly training representatives on escalation procedures, underwriting reconsiderations, and professional handling of strong-credit applicants. Otherwise, the bank risks losing long-term and high-value customers.

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 2026-05-18 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I am submitting this complaint because my prior dispute with Chase Bank was evaluated only as a fraud claim and did not address the core billing dispute issue. My primary issue is that I was prevented from canceling an XXXX reservation within the allowed cancellation window because XXXX explicitly told me I was not the account holder associated with the reservation and refused to assist me or allow cancellation. On XX/XX/year>, I contacted XXXX seeking to cancel the reservation. XXXX informed me they could not assist because they could not verify me as the account holder tied to the booking. As a result, I was unable to cancel the reservation before the strict cancellation deadline passed. After the cancellation period expired, XXXX later determined the account was linked to my phone number and began holding me financially responsible for the reservation charges. XXXX subsequently issued a partial refund of approximately {$450.00}, but the remaining balance of approximately $ XXXX remains charged to my account. In response to my prior complaint, Chase focused only on the fact that my phone number, IP address, and personal information were associated with the reservation. However, Chase did not address the central issue : I was denied the ability to cancel the reservation due to the merchant stating I was not the account holder, and this directly caused the charges I am now being held responsible for. Regardless of whether my information was associated with the reservation, I should not be held financially responsible for charges that resulted from the merchant preventing me from canceling within the permitted timeframe. I am requesting that Chase reopen and properly review this matter as a billing dispute involving merchant error and inability to cancel the reservation within the allowed period. I am requesting removal of the remaining XXXX charges, along with any associated interest, fees, or penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: WA

Complaint narrative:
I am filing this complaint against Remitly for two failed/unresolved remittance transactions to XXXX where the funds were debited but the intended recipient did not receive the money. The first transaction was made on XX/XX/XXXX, for {$2000.00} USD. The XXXX reference number is XXXX. The recipient country was XXXX. I had verified that the recipient name and XXXX address were correct, but the recipient never received the funds. When I contacted Remitly support, they asked me to verify the XXXX address. After I provided it, they said the address may have been entered incorrectly and that the funds could have gone to a wrong account. They then told me they had initiated a reversal and that it could take up to XXXX days for a response. However, no proper resolution was provided. Starting from XX/XX/XXXX, I followed up with Remitly around XXXX times over the next month, and over XXXX times over the next XXXX months. I repeatedly received vague responses, was told to wait, or received no meaningful update. Eventually, I became exhausted and gave up because nothing was being resolved. The second transaction was made on XX/XX/XXXX, for {$1000.00} USD. The Remitly reference number is XXXX. The recipient country was also XXXX. The same issue happened again : the money was sent, but the recipient did not receive it. Because of my experience with the first transaction, I asked Remitly to verify the XXXX address that was entered in their system. They said they could only see the last XXXX characters of the payment address and could only verify the full address if I provided it to them. This is concerning because Remitly is the payment processor and should be able to confirm where the funds were sent, especially when a customer reports that money was not received. For the second transaction, Remitly said they would file a resolution ticket and get back to me within the stated timeframe, but more than XXXX days have passed and I still have not received a meaningful response. I am concerned this is going in the same direction as the first transaction, where I followed up repeatedly for months without resolution. This experience has been extremely frustrating, mentally taxing, and financially stressful. I had to repeatedly chase Remitly for my own money, explain the same issue multiple times, and still did not receive a clear explanation, proof of delivery, refund, or resolution. I am attaching XXXX support chat exports as evidence of my repeated follow-ups and Remitlys lack of meaningful resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
I am filing a formal complaint against Waypoint Resource Group regarding the inaccurate reporting and handling of a fraudulent account associated with account number XXXX. This account does not belong to me. I disputed this account directly with Waypoint Resource Group on XX/XX/year> after discovering it was being reported on my XXXX credit report under my name. During conversations with representatives from both XXXX and Waypoint Resource Group, I was informed that the account was associated with another individual using a different name, reportedly, and connected to addresses in XXXX and XXXX XXXX. For clarification : I have lived in XXXX, XXXX for most of my life I have never lived in XXXX or XXXX XXXX The name associated with this account is not mine The information connected to this account does not match my identity or residency history On XX/XX/year>, Waypoint Resource Group responded in writing stating : Our records show that your fraudulent dispute has been processed and the credit bureaus was withdrawn on XX/XX/year>. Additionally, Waypoint Resource Group later provided documentation containing another individuals name, not mine, which further confirms that this account belongs to someone else and was improperly associated with my credit profile. Despite this acknowledgment, the account continued to be reported and verified as accurate. I believe Waypoint Resource Group failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), including but not limited to : Furnishing inaccurate information to a consumer reporting agency Failure to conduct a reasonable investigation of disputed information under FCRA 1681s-2 ( b ) Continuing to report disputed and fraudulent information Failure to maintain reasonable procedures to ensure maximum possible accuracy This inaccurate reporting has caused harm to my credit profile and financial standing. I expect this matter to be corrected promptly in accordance with the Fair Credit Reporting Act. Sincerely, 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 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was informed that I opened a new credit card by the Lender Capital One on XX/XX/year>, which I didnt. So I reported to the company, and they confirmed that was a fraud and canceled the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Some body is fraudulently trying to pose as Rocket Mortgage. I received a letter stating a denial of home loan although I did not apply for XXXX. Call Rocket Mortgage to confirm what happened. They confirmed it wasn't them but felt compelled to report the company and letter we received hoping someone will follow up in case somebody does get scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Deinde Online Services, LLC
State: OH

Complaint narrative:
I was told my payment would be XXXX month, but its XXXX every XXXX weeks. {$3000.00} loan, will be {$8000.00}, I can not do this

Company response to consumer: Closed with explanation