vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX has canceled my collection account but the credit bureaus have yet to update my credit report to reflect that. The closed account notification was send XX/XX/year>. TransUnion has yet to remove the debt even though the collection agency has closed my account and sent a notification to the three credit bureaus informing them of their decision. Im not sure where the miscommunication is coming from.

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 2026-04-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
Capital One closed my savings account without explanation, and they refuse to tell me when my money will be returned. The money was wired to Capital One from my other bank on XX/XX/year>, so these were " good funds ''. I urgently need my money. Capital One 's actions are causing me financial hardship and significant distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: VA

Complaint narrative:
Company : Chime Financial/ The XXXX XXXX XXXX : Checking/Savings Account Issue : Fraud / Scam Unauthorized electronic transfer I am filing a complaint regarding unauthorized electronic fund transfers from my Chime account that occurred after my Apple ID was compromised. On XX/XX/year> funds were transferred from my Chime account through XXXX XXXX / XXXX XXXX without my authorization. I did not initiate, approve, or benefit from these transactions. My XXXX ID password had previously been changed without my permission on XX/XX/XXXX, which indicates unauthorized access to my XXXX account. Law enforcement is actively investigating this incident and I have a police report documenting the account takeover and theft. These transactions qualify as unauthorized electronic fund transfers under the Electronic Fund Transfer Act ( Regulation E ). I reported the fraud to Chime immediately and opened a claim. However, Chime has [ denied my claim/ failed to provide provisional credit/ failed to properly investigate ]. Under Regulation E ( 12 CFR 1005.6 and 1005.11 ), financial institutions must : Conduct a reasonable investigation Provide provisional credit within 10 business days if more time is needed Reimburse unauthorized transfers when the consumer did not authorize the transaction I am requesting : Immediate provisional credit or reimbursement of the stolen funds A copy of the investigation and evidence relied upon Confirmation that my Regulation E rights are being honored This was an account takeover and identity theft incident. I did not authorize these transfers in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a complaint regarding a fraudulent ACH transaction that was induced through impersonation. On XX/XX/year>, I authorized a payment of {$2000.00} after receiving a bill by mail that appeared to be from XXXX XXXX. The mailing directed me to a website that appeared to be a legitimate XXXX payment portal, where I completed the payment. After receiving a debt collection notice, I later contacted XXXX XXXX directly and was informed that they never received any payment and have no record of this transaction. This confirms that the entity I paid was fraudulently impersonating XXXX XXXX. I immediately contacted Chase Bank to dispute the transaction. However, my claim was denied on the basis that the transaction was authorized. While I did authorize the payment, I did so under false pretenses due to a scam, as I reasonably believed I was paying my legitimate medical provider. This situation constitutes a fraudulent transaction involving merchant impersonation and services not rendered, as the intended recipient never received the funds. Additionally, Chase has acknowledged that this transaction was a scam. However, despite this acknowledgment, no meaningful recovery effortssuch as an ACH trace, reclamation request, or contact with the receiving bankwere successfully completed or communicated to me. I am requesting confirmation of what specific recovery actions were taken and why no further action was possible in this case. I was told that nothing further could be done and was advised to file this complaint. I can provide supporting documentation, including proof of the transaction and confirmation from XXXX XXXX that no payment was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I spotted a foreign ( XXXX ) transaction on my PayPal account linked to my bank. I immediately reported it as fraudulent and was prompted to change my password. I filed a claim immediately with PayPal. The claim was rejected. I filed a second claim and requested documention proving this charge was mine and was not fraudulent. I received what appeared to be an automated response stating that it is a service agreement and the charge is valid. I went through my records to XXXX and could not locate any purchase or service agreement with the company that initiated the fraudulent charge. Further I searched this companies name and it frequently appears in online forums as a scam. Many are having the exact same issue I am having with PayPal in relation to this charge. Product supposedly purchased without having visited the website, PayPal rejects claims stating it is a service agreement. I requested to remove my bank account from PayPal and requested an alternate way to fulfill my pay in 4 obligation ( the pay in 4 obligation is unrelated to the fraudulent charge ) as I feel and continue to feel open to more fraudulent activity. PayPal did not address this. I now am forced to have a bank account or card linked to paypal while being forced to pay for fraudulent activity that occurs with XXXX recourse. If this company charges me again I am forced to pay untill my pay in XXXX obligation is fulfilled. My last email went unanswered from PayPal. Initial claim was filed on XX/XX/XXXX. PayPal ruled in their favor on XX/XX/XXXX according to the poetal. The fraudulent charge was charged on XX/XX/XXXX. I was notified on XX/XX/XXXX that the ruling was in favor of PayPal, not XX/XX/XXXX as the portal says. I filed an escalated claim ( attached email thread ) on XX/XX/XXXX. The response I received appeared automated and did not answer questions and did not provide information other then PayPal ruled in their favor again. I followed up and still have not received a response. I zeroed out my savings account in an attempt to prevent them or other fraudulent charges from being withdrawn and have contacted my bank to look into closing this account. I am currently loosing interest over this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-10 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: FL

Complaint narrative:
I reported to them that there were unauthorized transactions on my account. I also reported it to XXXX because the money was being moved from XXXX to my Cash app account and then withdrawn from my Cash App account to multiple different weird name accounts that I didnt know anything about I wrote to them explaining these charges and fraud to dispute about them to them and in return, they decided to punish me by closing all my accounts because theyre saying I did not comply with their policy when I reported to them that these transactions were not supposed to be on my account so instead of helping me fix it they punished me for it. XXXX investigated the same situation and found it in my favor that I was not in the wrong. why is it that catch up did the same thing and decided to punish me by closing all my accounts which I transfer money for work and for family members and friends now I am stuck and cant use any of my accounts. I even opened another account because of these fraudulent transactions on my account I feel its very unfair that I report to you. Somethings wrong with my account and you punish me by closing them and saying that I was in violation when I in fact, reported it to you thats how they found out that it was on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
XX/XX/2026 was scammed and fraudulent transactions made on account. Immediately contacted back and filed disputes. Before the fraud started the balance was XXXX. They had my husband and myself reset our on line login credentials deactivated our debit cards mailed new ones. Also deactivated husbands credit card and mailed new one. They opened the investigation XX/XX/2026 closed it XX/XX/2026 did not return any money back. Was told that we had to dispute through XXXX even though the debit card used was the bank account card. Money was taken from XXXX account using bank account. There were also transactions made via XXXX that were declined the XXXX then made on the XXXX. They refuse to apply one of the credit card payments because the scammer took way more money than what they deposited into the account which was a fraudulent transaction. The bank reversed. However they refunded none of the money that was taken above what the check was for. They had the account locked but removed that however they have our account restricted so we cant view anything they said until we have a positive balance it will stay that way. We should not be liable for the account being negative due to them not refunding the money that was in the account XXXX prior to the scam.

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 2026-04-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Did pre qualify for credit card and was stated no impact to credit report and they have hard inquiries on credit report inquired on XX/XX/scrub>XXXX XXXX XXXX XXXX ExperianXXXX

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 2026-04-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I am filing this complaint regarding deferred interest that was applied to my Arhaus Archarge Credit Card issued by Comenity Bank. On XX/XX/XXXX, I scheduled and authorized a one-time payment in the amount of {$2700.00} through my bank to be electronically debited on XX/XX/XXXX. This payment was scheduled prior to the expiration date of a deferred interest promotional plan. I received a payment authorization confirmation showing the authorization date, payment amount, and scheduled payment date. Based on this confirmation, I reasonably relied on the expectation that the payment would process and satisfy the promotional balance requirement. However, the payment did not process or apply to my account as intended. As a result, deferred promotional interest of over {$4000.00} was charged to my account. I have made multiple attempts to contact Comenity Bank, including submitting a message through their secure message center with documentation attached. Due to a system error, my message was not delivered, and I have not received a proper response or resolution. I proceeded to mail a certified letter over a month ago with no response. Because the payment was authorized and scheduled prior to the promotional expiration date, I believe I acted in good faith to satisfy the balance. I am requesting that Comenity Bank review this matter and apply a promotional interest adjustment. I provided supporting documentation, including the payment authorization confirmation and evidence of my attempts to contact the company. I am seeking removal of the deferred interest charges and correction of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX for violations of the FDCPA and FCRA arising from their continued reporting of a disputed, unvalidated, and unlicensed debt to Equifax and TransUnion. Background : On XX/XX/XXXX, I sent a formal written dispute under 15 U.S.C. 1692g to XXXX XXXX via XXXX XXXX Mail ( Tracking XXXX XXXX XXXX XXXXXXXX confirms delivery on [ delivery date ]. I stated the debt is not mine, I have no knowledge of it, and I demanded validation. I also notified them that the XXXX database shows they are NOT licensed to collect debts in Illinois ( my state of residence ). Screenshot attached. FDCPA Violations : 1692g ( b ) Continued collection after dispute : Despite my written dispute, XXXX XXXX has continued to report this tradeline to Equifax and XXXX for over 68 days without providing any validation. The XXXX XXXX in XXXX v. Absolute Collection Servs., XXXX XXXX XXXX ( XXXX ) held that credit reporting during the validation period is collection activity prohibited by XXXX ( b ). XXXX ( XXXX ) False credit reporting : XXXX XXXX has never marked the debt as disputed on my credit reports. The XXXX XXXX in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) held this violates XXXX ( XXXX ). XXXX Unlicensed collection : XXXX XXXX is not licensed to collect debts in Illinois, yet they continue to report this debt to credit bureaus. Unlicensed collection is an unfair practice under XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I applied for a personal loan with WF- I used my spouses income as well as my own. I had a hard time uploading the documents so I went into a branch, the banker wasn't helpful. She was argumentative and dismissive- she kept asking me questions about providing income for retirement -I 'm not retired. I contribute to a 401k. I have an email for their loan consultant- she said she didn't know her, and didn't bother to look her up. I kept looking around the branch hoping someone would help me. She said she would fax the documents and I can wait or go - okay- so I went. I tried again to upload the documents. I called and left a message for the banker - no call back. I called 2 x and spoke with different bankers -it 's all over the place. They told me I need a joint checking acct with my spouse, and then asked where he banked. That seemed like an odd question. The website said w2s, which I uploaded, but they want a 1040- and I did get confused thinking tax return which I don't get. It was a horrible experience - no one could clarify what was needed. Then I got a rejection letter, and the website is still saying upload documents. They need to put in WRITING what is needed for the loan, and provide an email - not this generic phone number where you get people who could care less. I also called and attemped to file a complaint, the gentleman was nice but you have to call another number than the number I called. That was several hours before I received the loan rejection email.

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 2026-04-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
This complaint concerns Navient Student Loan Servicing engaging in unauthorized thirdparty contact in connection with my student loan account. Navient contacted my neighbor by telephone in an attempt to locate or discuss my student loan. My neighbor has no affiliation with my loan and has never been listed as a reference, cosigner, or authorized contact. As a result of this contact, my neighbor came to my residence on two separate occasions attempting to reach me. He provided me with a piece of paper that he stated was what wah told to him by the phone call. The paper contained a callback telephone number, the name of a Navient representative, and an account number, and included the statement tell her it is good news. Navient spoke directly with my neighbor and represented the call as relating to good news. My neighbor wrote down the information during the call. When he questioned the Navient representative about why he was being contacted, the representative stated, We called all the houses around her house until someone answered. At no time did I authorize Navient to contact third parties regarding my account. My neighbor was never authorized to receive communications, messages, or information about my student loan. After learning of this incident, I contacted Navient to report the unauthorized thirdparty contact and advised them that their actions were inappropriate and unauthorized. Navient denied any wrongdoing and asserted that contacting my neighbor in this manner did not constitute a violation. This conduct caused significant embarrassment and distress and, in my understanding, constitutes a violation of applicable consumer protection, privacy, and fair debt collection requirements. As of XX/XX/XXXX, I remain concerned that unauthorized thirdparty contacts may continue. I am requesting that Navient immediately cease all thirdparty contact, confirm that my privacy will be respected going forward, and ensure full compliance with all applicable consumer protection and debt collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX Subject : Request for Reinvestigation Under FCRA Disputed Account To Whom It May Concern, I am writing to formally request a reinvestigation of an account on my credit report that your agency previously marked as validated. I dispute the accuracy and completeness of this account on XXXX. Account Information : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation if a consumer disputes the completeness or accuracy of any item on their credit report. Additionally, pursuant to 15 U.S.C. 1681e ( b ), you must follow reasonable procedures to assure maximum possible accuracy of the information reported. Your prior conclusion that this account was validated does not appear to meet the legal standard of a reasonable reinvestigation. Simply relying on automated responses or verifying with the data furnisher without reviewing actual supporting documentation does not satisfy your obligations under the FCRA. Therefore, I am requesting the following : 1. A detailed description of the method of verification used to verify this account, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) 2. The name, address, and telephone number of the party who verified this information 3. Copies of any original signed contracts, account applications, billing statements, or other documents used to determine that this debt is mine 4. Verification that this account complies with all applicable reporting requirements, including accuracy and completeness If you can not provide sufficient documentation to support the validity and accuracy of this account, you are required under 15 U.S.C. 1681i ( a ) ( 5 ) to promptly delete or correct this information from my credit report. Please complete your reinvestigation within the 30-day timeframe required by law and provide me with written results. If this matter is not resolved, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for failure to comply with federal law. Thank you for your prompt 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
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland credit management is and old debt. Changing dates to keep on my credit report. XXXX is not user friendly tried to dispute this debt several times. Telling them that the dates are wrong. Why is it still showing. Call XXXX several Times its only letting me dispute 1 item at a time. This is wrong

Company response to consumer: Closed with explanation