vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Block, Inc.
State: TN

Complaint narrative:
ALL POINT ATM MACHINES CASH APP DON'T CHARGE A ATM FEE *. ALL XXXX USE A : ALL POINT ATM MACHINE * : XXXX. XX/XX/year> * {$280.00} -WITHDRAWAL * {$6.00} ATM FEE * -- -- -- -- {$280.00}. XXXX * # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX. XXXX TENNESSEE, XXXX. THEY DID THE SAME THING LAST MONTH XXXX * XXXX * - AND HAD TO REFUND ME {$12.00} - AT THAT SAME ATM MACHINE *. ALL THAT MATTERS IS : -ITS A ALL POINT ATM MACHINE - -I GOT XXXX STATUS WITH CASH APP- -I QUALIFY WITH MY DIRECT DEPOSIT AMOUNT - -I QUALIFY WITH THE SPENDING AMOUNT EACH MONTH - -I QUALIFY WITHDRAWAL CAME FROM MY CHECKING ACCOUNT - I QUALIFY WITH ALL THOSE STATUSES WITH CASH APP *. THEY HAD TO REFUND LAST MONTH {$12.00} AT THIS SAME ATM MACHINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: IL

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide XXXX Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Klarna AB
State: TX

Complaint narrative:
I am filing this complaint regarding unauthorized transactions made using my card, which Klarna has wrongfully denied after my dispute. The following charges were not authorized by me : {$56.00} on XX/XX/year> ( XXXX ) {$56.00} on XX/XX/year> ( XXXX ) I reported these transactions promptly and followed all required steps to dispute them. Despite this, Klarna denied my claim without providing sufficient evidence or a clear explanation of their decision. Additionally, a partial refund of {$33.00} was previously issued back to me, but the remaining disputed charges were still denied. The issue originated from a website transaction that Klarna initially rejected and failed to properly resolve. I did not authorize these charges, did not benefit from these transactions, and do not recognize the merchant activity. Klarna has failed to properly investigate this matter as required under consumer protection standards. I am requesting : Immediate reopening of this dispute A full investigation with documented proof of authorization Refund of the remaining {$110.00} in disputed charges ( or correction if calculations differ ) Written explanation of why the dispute was denied despite my timely report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-05 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: OR

Complaint narrative:
I am filing a complaint regarding unauthorized electronic fund transfers on my Chime account. On or around XX/XX/XXXX, I contacted Chime to block a merchant and confirmed with a representative that the merchant was successfully blocked. I also have confirmation that this action was recorded. Despite this, the merchant was still able to withdraw funds from my account on XX/XX/XXXX using a different account. I did not authorize these transactions, and authorization had already been revoked. I reported the unauthorized transactions the same day they occurred. Chime initially confirmed that my funds would be returned by a specific date ( the XXXX ) and stated I was eligible for a temporary credit while the dispute was investigated. However, this was later denied without proper explanation, and I did not receive the promised funds. These funds were intended to pay my utility bill, and due to this issue, my bill is now past due, placing me at risk of service interruption. Under the Electronic Fund Transfer Act ( Regulation XXXX ), I revoked authorization and reported the issue immediately. These transactions should be considered unauthorized, and I should not be held responsible. I am requesting : Immediate provisional credit for the disputed amount A full refund of the unauthorized transactions All documentation used to deny my claim A full explanation of why the initial decision and promised credit were reversed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 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 made a bank transfer off of a credit card XX/XX/XXXX. The card I was transferring to did not send the correct information to the previous bank so the credit card didnt get payed off. Now sitting with a balance on both cards for XXXX months now. Making a payment on XXXX different cards for XXXX original debt. Have had numerous phone calls with the company and theres nothing they can do. My XXXX XXXX has been ruined and now instead of XXXX XXXX debt I have another. Just dont quite understand how they can charge me for a bank transfer when it dont clear through on the other side.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
In XX/XX/year> I applied for an American Express card and was approved for a 0 % APR promotional balance transfer for XXXX months. During the application I provided all required information including the creditor account details for a {$4000.00} balance transfer. The transfer was never processed. I received no confirmation it had been initiated, no notification it had failed, and no communication of any kind that action was required on my part. I only discovered the transfer had not gone through after the promotional transfer deadline had already passed. I fulfilled every obligation required of me. American Express had all necessary information to complete the transfer and failed to do so without any notice to me. I am requesting that American Express honor the original promotional transfer terms as an exception, given that the failure was entirely on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Account information incorrect and according to 605 this has to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
While recovering from XXXX XXXX XXXX, Macy 's reduced my credit limit based a reported XXXXday delinquency that was inaccurate. I have documentation showing my payments were made and no valid XXXX day late occurred. Despite correcting the error on my credit reports and contacting Macys ( via phone, escalations and email ) Macy 's has refused to reinstate my original credit limit. This adverse action was based on inaccurate information and has negatively impacted my credit utilization and score. Under FCRA decisions based on inaccurate information must be reconsidered once corrected. I have been a loyal customer of Macy 's for XXXX years had have never had an issue such as this.

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 non-monetary relief
Consumer complaint received 2026-04-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CFAM Financial Services, LLC
State: CA

Complaint narrative:
I entered into an agreement with Fair Servicing , LLC for a XXXX XXXX XXXX ( XXXX XXXX ). Payments began in XX/XX/XXXX at approximately {$290.00} per month. After Fair Servicing , LLC ceased operations, my account was transferred to CFAM Financial Services , LLC ( now operating as XXXX XXXX ). I never signed any new agreement with CFAM/XXXX, nor was I provided with documentation clearly establishing the terms under which they claim authority to continue billing me. Despite this, CFAM/XXXX has XXXX to collect monthly payments and treat the account as active. To date, I have made approximately XXXX payments totaling {$18000.00}. The current fair market value of the vehicle is approximately {$7500.00}. My payments have therefore exceeded the value of the vehicle without any transfer of ownership or defined path to ownership. CFAM/XXXX has not provided a clear explanation of : how my payments are applied, what conditions would result in ownership transfer, or what contractual basis allows them to continue billing me. Additionally, third-party communications ( including XXXXrelated registration XXXX ) reference different ownership/titling entities ( e.g., Fair XXXX XXXX ), creating further confusion regarding who actually owns the vehicle and who has authority over my account. As a result, I am being required to continue making payments despite having already paid more than the vehicles value, with no clear ownership outcome or transparent contractual structure.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: PA

Complaint narrative:
My XXXX XXXX child support card has been blocked for hours. I called the XXXX customer service line and waited on hold for hours just to speak with a representative. I was able to verify the transaction that triggered the block ( an online grocery order ), but was then told I needed to speak with the fraud department. After holding for another hour, I reached a fraud agent who informed me that I must email a copy of my valid ID to XXXX and wait up to XXXX hours for their ID processing team to review and verify it. If approved, I will receive an email and then be required to call back again, potentially waiting on hold for hours, to have the hold on my card released. My card was blocked on Friday. It is now Sunday, and I have not received any response from the ID processing team. I also spoke with a supervisor in the fraud department, who stated there is no way to expedite this process and nothing further can be done. I explained that I have not had access to my funds since Friday. At the time my card was blocked, I was actively grocery shopping. This is currently my only source of income, and I have XXXX children to feed. This situation has gone beyond an inconvenience. The policy of withholding access to my funds is causing real and immediate harm to my household.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In Accordance with the fair credit Reporting act Experian has violated my rights. 15USC 1681 Section 602 State I have the right to privacy.

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 2026-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Collections on my credit report. I never received any information on any debt in the mail. Harassment phone calls. I do not have a contract with debt collectors. UNDER THE DOCTRINE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it such I XXXX PRESUME THAT NO PROOF OF THE pute as a to submit certain ALLEGED DEBT, e @ chack the status or NOR THEREFORE nY. : SUCH DEBT, IN FACT EXISTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( formerly XXXX XXXX XXXX XXXX XXXX ) engaged in unlawful mortgage servicing and debt collection practices. The company failed to provide legally required Debt Validation Notices within XXXX days of initial communications, in violation of federal FDCPA requirements ( 15 U.S.C. 1692g ) and Massachusetts debt collection regulations ( 940 CMR 7.00 et seq. ). On XX/XX/year>, a Trespass Order was served to third-party agents ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX by Deputy Sheriff XXXX XXXX XXXX XXXX. These agents willfully violated the order and, under XXXX direction, conducted unlawful entry, harassment, and property seizure. On XX/XX/year>, an armed eviction was executed, resulting in the loss of housing, personal property, and emotional distress, including for XXXX minor children. XXXX misconduct is the direct cause of all damages. Third-party agents, including movers and armed men who impersonated constables, acted under the direction of XXXX, creating joint liability. Local law enforcement was contacted regarding threats and theft, but refused to act, worsening the harm. Additional violations include : Foreclosure-prevention law Section 35B violations during COVID-19. Failure to implement debt collection policies and oversight of third-party contractors. False and misleading statements issued to the consumer regarding debt and property status. Requested relief : Full investigation by the CFPB, enforcement of debt collection laws, and restitution for economic, emotional, and civil rights damages. Supporting evidence includes video and audio recordings, proof of trespass service, and prior communications with courts and law enforcement documenting unlawful conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CT

Complaint narrative:
Jefferson LLC is reporting a collections under my name for {$1600.00}. The original creditor was sprint. This debt is over XXXX XXXX XXXX, but it keeps being re-aged so it will not go away from my report. I filed a dispute with the credit bureaus to no avail under XXXX law. This shouldve been removed from my credit report after XXXX years. This is well over the limits of the law because they keep re-aging this account which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I applied for an income based repayment plan XX/XX/XXXX. I received a letter stating my loan needed to be consolidated and my repayment plan was denied. I logged on to the student aid website and it stated the consolidation was in process. I did not receive any information that I needed to complete any process to have the loans consolidated by Aidvantage, who manages my loans. I followed up on the process in XX/XX/XXXX and spoke to an Aidvantage representative who informed me I needed to complete a loan consolidation form and provide it to XXXX who I pay for the loan balance. I sent the form to XXXX. XX/XX/XXXX I followed up on the status, and I had a notification from XXXX stating they do not consolidate the loans, Aidvantage does. I logged onto Aidvantage site and they had a blank consolidation form and other notifications about the process.I never received any email notification from any of the communications from Aidvantage or XXXX, which delayed me resubmitting the form to Aidvantage. I had to mail the form because I could not upload it to their site, as my loan balance is with XXXX and the student aid website is still processing my repayment request and I can not add any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: MIDFIRST BANK
State: NC

Complaint narrative:
On XX/XX/scrub> 2026, I contacted XXXXXX/XX/XXXX ( servicer for MidFirst Bank ) to inquire about a possible forbearance option. During that call, I was not asked to submit any documents and did not state that I was unable to make payments. On XXXX XXXX, 2026, XXXXXX/XX/XXXX issued a loss mitigation denial stating that I indicated I could not resume or increase payments and referencing documentation submitted. This is inaccurate, as no documentation was requested or provided. On XX/XX/year>2026, I sent a Request for Information ( XXXX XXXX XXXX ), a Notice of Error ( XXXX XXXX XXXX ), and a formal appeal of the denial. XXXX XX/XX/XXXX sent automatic acknowledgments for the Request for Information and Notice of Error but has not provided any substantive response and has not acknowledged the appeal. As of XX/XX/year>2026, XXXXXX/XX/XXXX has failed to provide the requested information, failed to correct the inaccurate servicing records, and failed to acknowledge or review the appeal. Despite these unresolved issues, foreclosure proceedings have continued, and a Notice of Sale has been issued scheduling a foreclosure sale for XX/XX/year>2026. The foreclosure action appears to be proceeding based on inaccurate information and without properly addressing the pending requests and errors.

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 2026-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
I requested debt validation from the company for the disputed debt, but they only sent me a statement of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank won't acknowledge fraudulent charges. I purchased an item from XXXX using my PayPal credit card but never received the item. {$470.00} was paid. The vendor refuses to respond to my emails and submitted fraudulent shipping documents to Synchrony Bank showing that the product was delivered. I requested that Synchrony Bank ask the vendor to provide the information of the American courier that delivered the item along with a tracking number as well as photos of proof of the delivery. Synchrony Bank has not provided me with this information, instead has held me responsible for the charges. This is unacceptable, I'm a victim of fraud.

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 monetary relief
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
Rent Recovery Solution is falsely reporting on my credit report. I have never had any accounts with them. Per my research, Rent Recovery Solution is a debt collector. They are falsely reporting on my credit. Account XXXX XXXXXXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S. CXXXXe XXXX ( a ) ( XXXX ) - Disclosure of investigation consumer report, you are in violation.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I was the victim of a social engineering phone scam. Someone called me claiming to be Coinbase support, saying my account was compromised and instructing me to take actions to secure my funds. Trusting them, I followed their instructions, and approximately {$6100.00} in cryptocurrency was transferred from my account to an external wallet without my informed consent. I did not intend to authorize this transaction. I have secured my account, reported the incident to Coinbase, and filed a police report with the FBI IC3. I am requesting CFPB assistance to ensure Coinbase investigates this account takeover and impersonation fraud, and considers reimbursement of the lost funds.

Company response to consumer: Closed with explanation