vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. XXXX ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report. XX/XX/26 Jefferson cap. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: VA

Complaint narrative:
I am filing this complaint regarding Discovers handling of a fraud/scam dispute on my credit card account. On XX/XX/year>, I was the victim of an impersonation scam. The scammer contacted me pretending to be associated with my employer and instructed me to purchase multiple gift cards for what I believed was a legitimate business request. I later discovered this was a scam and immediately reported the incident to Discover. I opened a dispute for the transactions, but Discover denied the dispute stating that the transactions were authorized because I made the purchases myself. These purchases were made under fraud and deception as part of an impersonation scam, not as legitimate purchases for my own use. I have filed a police report, filed a report with the Federal Trade Commission, and submitted disputes with the gift card issuers. This situation has caused significant financial hardship. I am requesting that Discover review this case again under fraud by deception/scam circumstances and provide assistance, relief, or a reasonable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: PA

Complaint narrative:
BELOW IF MY EXACT COMMUNICATION TOTHEM : " I am writing regarding the above-referenced account currently being reported and/or collected by your office. At the outset, please note that I do not acknowledge this debt as valid or as an obligation owed by me. However, if this account is determined to be associated with me, I respectfully request that it be reviewed and considered in light of the circumstances outlined below. The original medical provider/XXXX ( XXXX XXXX XXXX XXXX XXXX has already reviewed this account and made the determination to waive the entire portion of the associated charges for XXXX & XXXX and place me on a financial assistance program. This action reflects their tax relief network acknowledgment of the circumstances surrounding this balance and the financial limitations and difficulty I have had and currently have to this date. While I understand that a portion of the account may have previously been assigned or written off and forwarded to your agency, the providers decision to grant a waiver is both material and directly relevant to the overall validity and equitable handling of this obligation. Considering this, I kindly request that your office consider the providers actions and reevaluate the continued reporting and collection of this account. Specifically, I am requesting that this account be removed from all reporting agencies and that collection efforts be discontinued. Continued reporting of this account, despite the providers waiver of related charges, may result in an inaccurate or misleading representation of the debt. I trust your office will act accordingly to ensure fair and accurate reporting. This request is made in good faith, with the understanding that the original provider has already taken steps to resolve the matter in part, and that maintaining this account in collections does not accurately reflect the status or intent of the provider as I am retired and solely rely on Social Security benefits for income. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
I reported unauthorized transactions on my Chime account, including approximately {$1300.00} in disputed activity. Chime denied the dispute ( s ), but I did not authorize these transactions and believe the investigation was incomplete. I am requesting a reinvestigation and a written explanation of the basis for denial, including the evidence relied upon. This is part of a broader pattern of suspected identity-related risk and unauthorized activity affecting multiple financial accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: CT

Complaint narrative:
I am filing a complaint regarding an unresolved billing error tied to a XXXX credit account that has now resulted in inaccurate credit reporting and financial harm. In XX/XX/year>, I purchased items from XXXX and returned them in full in XX/XX/year>. During the return, the store associate incorrectly processed part of the refund by issuing a gift card instead of returning the funds to my original form of payment. I immediately questioned this, and the associate stated she did not know how to correct it and instructed me to contact Customer Service. Since XX/XX/year>, I have made over 12 attempts to resolve this issue through XXXX Customer Service. Despite repeated assurances, no corrective action has been taken. The gift card balance has not been properly applied to my account, and I continue to be billed for a balance that I do not owe. This error has now resulted in negative reporting on my credit file, including a balance and accrued interest that should not exist. This has negatively impacted my credit score and financial standing. I have also visited the store in person and was told they could not assist and that I must continue contacting Customer Service, which has not resolved the issue.

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 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD closed my Credit card on XXXX XXXX and it has a credit balance which I have requested a check for 3 times and have still not received. Additionally, when you call in the automated message stated I have a XXXX available credit yet my account is closed. The rep on the phone said no supervisors are in until XXXX and I have to call back again to get resolved. If my account is closed why do I have available credit. The rep says the automated system does this sometimes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: VT

Complaint narrative:
On XX/XX/year>, my XXXX SkyMiles Platinum American Express credit card account was charged an annual membership fee of {$300.00}. I did not cancel the account. On XX/XX/year>, when I accessed my American Express app, I noticed that my card had been cancelled without prior notice. I was later informed that the account was flagged for alleged fraud, but no specific transactions or details were provided. On the same day, I contacted American Express and spent approximately 60 minutes on the phone seeking an explanation, documentation, or identification of the charges that led to the fraud determination. During this call, American Express was unable to provide any explanation or supporting information. As a result of the account closure, I was unable to use the benefits associated with the annual fee, and XXXX SkyMiles were forfeited without explanation or opportunity to redeem them. I requested a refund or prorated refund of the annual fee and clarification or reinstatement of my SkyMiles, but American Express refused or was unable to provide a resolution despite my efforts to resolve the matter directly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
b'I have sent them certified mail which they received XXXX. I have also sent them several emails and replies to the text messages requesting this and verbally on the phone. I have updated my address with them, given them my email address and phone number.. tracking number is XXXX XXXX XXXX XXXX XXXX\n\nI have also disputed this with all three CRAs with no success.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: LA

Complaint narrative:
I am submitting this complaint because I have received conflicting and insufficient responses from both Navient and MOHELA regarding the review and denial of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX related to The Art Institutes. I attended The XXXX XXXX, which has been found to have engaged in widespread misconduct and has since closed. My federal student loans were fully XXXX in XX/XX/year> under the XXXX XXXX program based on this misconduct. I applied for the XXXX XXXX XXXX program for my private student loans. Initially, my application was wrongfully rejected on the basis that my loans were direct-to-consumer. This was incorrect, as my original Promissory Note clearly indicates the loans were direct-to-school. After I challenged this, I was granted access to the application and allowed to submit it. My application was subsequently denied. The denial letter states that : A review of your application was completed by XXXX, as your lender or on behalf of your lender However, the denial provides no individualized explanation and instead lists all possible denial reason codes ( 17 ) simultaneously, which include mutually broad and non-specific categories such as insufficient misconduct, insufficient harm, insufficient evidence, and timing-related issues. This type of blanket denial does not explain which specific criteria were not met and prevents me from meaningfully understanding or responding to the decision. I then filed a complaint with the Consumer Financial Protection Bureau. In response, XXXX stated that I should contact MOHELA because MOHELA services the loan. This response is inconsistent with the denial letter, which explicitly states that XXXX performed the review of my discharge application. " A review of your application was completed by XXXX, as your lender or on behalf of your lender, and it has been determined the applicable private student loans are not eligible for discharge under XXXX 's XXXX XXXX XXXX program for the following reason ( s ) : Denial reason code ( s ) : 1,2,3,4,5,6,7 '' Additionally, the denial letter confirms : My loans are serviced by MOHELA But the review was completed by Navient This creates a lack of accountability between the entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Branch Messenger, Inc.
State: MD

Complaint narrative:
I have been reaching out to Branch since XX/XX/XXXX and XX/XX/XXXX to gain access to my Branch Direct account. When I try to reset my password it takes me to a Branch page which is broken, therefore I keep running in loops. I have tried using a different phone and a laptop but still run into the same issue. My money was sent to. my Branch Direct account, however, I can not access it and it is urgent. I should have had access 5 days ago now. Customer service does not seem knowledgeable or know what to do. I spent 90 mins on the phone with 2 different representatives who kept trying to send me password reset links, but those links were empty/broken! I do not know what is going on or why I can not access my money or change my details, I am purposely locked out of my account and now being avoided help to reset and access my own funds!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
At E '' TRADE your security is very important to us. That's why, from time to time we ask for additional verification when you attempt certain activities at etrade.com. - Asking for verification from time to time is alright. Blocking all access to Federal Funds is not! For your protection, due to unusual activity in your account ( s ), certain functionality may be temporarily XXXX until we are able to speak with you. This is intended to prevent potential misuse of your personal information or financial assets. - Certain Functionality may be temporarily XXXX? This a a complete lie and fabrication. The funds in the accounts can not be accessed! That's all the functionality and it's a permanent XXXX. To restore functionality, peace contact E * TRADE Account Activation Services at XXXX, Monday through Friday from XXXX to XXXX XXXX and XXXX to XXXX XXXX on the weekends. Outside of business hours, please toll XXXXETRADE.1 ( XXXX ) for assistance. From outside the XXXX XXXX. - I did call E * Trade, and was told I needed to download one of their vendors apps. to verify myself. I've already verifies myself a 100 times. But when I asked the Security person who contacted me to verify his Identity he refused! They didn't not once ask me about any of the transactions, and when I review my statement there's a bunch of questionable transactions. And because of this my phone service was terminated. So, no phone, no apps, no calls. And, while discussing with the Security person, I asked about moving some funds into another sub-account and if that would be non-compromised. He agreed that it would be find and move {$1000.00}. Then recommended moving an " additional amount '', and I agreed on another {$1000.00}. And he moved those amounts over. He also promised me I would receive a new bank care by last Friday. That didn't happened and both accounts are frozen. He also was 40 minutes late calling me the next morning. And that man who called me said the man the night before was a fraud. So, it's a mess. These people don't know what they're doing!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: PA

Complaint narrative:
In or around XX/XX/XXXX, I obtained an auto loan through PNC Bank for the purchase of two trucks that were intended to be used to start a transportation business. The vehicles associated with this loan were never delivered to me. After the transaction, it became clear that the vehicle sale involved fraudulent activity. I reported the issue to PNC Bank in XXXX and again in XXXX while attempting to resolve the matter. During those communications, I did not receive clear guidance regarding how to proceed and was repeatedly told that payments were still expected even though the vehicles were never delivered. No vehicles were ever transferred into my possession and no vehicle titles were issued to me. Because the trucks were never delivered, the collateral associated with this loan was never received. Despite this, the loan continues to be reported on my credit profile as a charged-off auto loan with a balance of approximately {$36000.00}. This account is currently being reported as derogatory and in collections status. This reporting is inaccurate because the underlying transaction involved fraud and the financed vehicles were never delivered. A police report has now been filed regarding this incident under report number XXXX. Additionally, this account has previously been disputed and was removed from my credit reports on more than one occasion with the assistance of credit professionals. However, the account later reappeared on my credit reports without explanation. This matter has had a significant negative impact on my credit and financial standing and I respectfully request that this issue be reviewed and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: NH

Complaint narrative:
XX/XX/2026 I am not able to log on to my account to access my tax documents. I successfully reset my password, but the system still will not let me in. Chat is not available, the toll-free numbers give me XXXX un-useful options ( all direct me to log on to my online account ), then hangs up on me. It is a Sunday, so I don't expect a live person. XX/XX/2026 I call XXXX different toll free numbers and try to use the chat feature on their website multiple times. I am able to talk to XXXX different customer service representatives that transfer me to the save voice automated system that gives me XXXX un-useful options, then hangs up on me. The XXXX options all involve logging in to the website. The system tells me I have been locked out. It tells me to reset my password or contact Customer Support. The 'reset my password ' function does not give me access. There is NO email or phone number provided with the contact customer support suggestion. Going to the " Contact Us '' page only gives me a physical address. I found various phone numbers using a general web search engine. These are the ones I called : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Veros Credit, LLC
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Veros Credit regarding their handling of my account and their conduct during recent communications. I have made multiple attempts to work with Veros Credit in good faith to establish a payment arrangement due to financial hardship. Despite my efforts, they have refused to offer any reasonable options. I also inquired about voluntarily surrendering the vehicle to avoid further financial strain, but this option was not meaningfully addressed or facilitated. In addition to the lack of cooperation, I have experienced unprofessional and concerning behavior from their representatives. I received rude and dismissive responses when attempting to discuss my situation. More troubling, Veros Credit has made repeated and disruptive phone calls to my place of employment, which has caused unnecessary stress and embarrassment. These calls feel excessive and inappropriate, especially given my attempts to resolve the matter directly. I am requesting that the CFPB review this situation and assist in ensuring that Veros Credit engages in fair, respectful, and reasonable practices. I am seeking a resolution that includes either a manageable payment arrangement or assistance with voluntary repossession, handled in a professional manner. Thank you for your time and attention to this matter. Please let me know if any additional information or documentation is needed. Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: AR

Complaint narrative:
I am filing a complaint regarding a denied dispute with Chime involving unauthorized debit card transactions totaling over {$4000.00}. I previously used this merchant for small transactions of approximately {$20.00}. However, I did not authorize 46 transactions ranging from {$50.00} {$200.00} that occurred within minutes and followed a structured, repetitive pattern. The transactions include variations such as XXXX with randomized identifiers, indicating automated or programmatic processing rather than individual authorization. Despite providing this information, Chime denied my claim twice, closed my account and has not provided sufficient documentation demonstrating how each of the 46 transactions was individually authorized. I am requesting : 1. A full reinvestigation under the Electronic Fund Transfer Act 2. Documentation showing the method of authorization for each transaction 3. Reimbursement of the disputed amount if authorization can not be proven The transaction pattern is inconsistent with normal consumer behavior and suggests unauthorized or improperly processed charges.

Company response to consumer: Closed with explanation