vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Revolut Technologies Inc.
State: WA

Complaint narrative:
I am filing a complaint regarding Revoluts repeated failure to deliver a replacement credit card following fraudulent activity and compromise of my account card. My Revolut credit card was compromised, and I immediately requested a replacement card for security reasons. Since then, I have ordered a replacement card five separate times to my verified U.S. mailing address an address that has previously and successfully received Revolut cards and other financial mail without issue. Despite these repeated requests : * No replacement card has been successfully delivered. * No reliable tracking information has been provided. * Revolut support repeatedly reissues the card without resolving the underlying issue. * I have not received clear confirmation whether the cards were ever physically produced or dispatched by the issuer. This situation has caused ongoing disruption to my ability to access and use my credit account securely. Given that the original card was compromised, the failure to provide a functioning replacement card raises serious concerns regarding Revoluts customer service practices, card fulfillment procedures, and handling of security-related account issues. I believe this is no longer a simple delivery problem. After five failed replacement requests to a previously verified and functional U.S. address, it appears there may be an internal fulfillment, operational, or account-level issue preventing proper issuance or shipment of the replacement card. However, Revolut has failed to provide transparency or a meaningful resolution. I am requesting that CFPB require Revolut to : 1. Investigate why multiple replacement credit cards were never successfully dispatched or delivered. 2. Provide written confirmation regarding the status of the replacement card requests. 3. Ensure immediate issuance and tracked delivery of a functioning replacement card. 4. Review whether Revoluts customer support and card replacement procedures comply with consumer protection expectations for compromised credit accounts. I have made multiple good-faith attempts to resolve this issue directly with Revolut support without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CLGF Holdco 1, LLC
State: MN

Complaint narrative:
I been trying to deal with this company. But theyre being a pain and scamming people. They dont send out statements. Online accounts dont work. They changed my balances and added hidden fees. ALSO TOLD THEM SOMEONE FRAUDED BOTH CARDS. I HAVENT EVEN USED THEM AND GAVE THEM ALL THE INFO BUT THEY DONT CARE. I EVEN GOT AN ATTORNEY I am XXXX AND GOT THE ACCOUNTS CLEARED THAN SOMEONE FRAUDED Acct XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
They have been harassing me about charges which I never made. Never even heard of this company. I have been getting letters in the mail and phone calls. Furthermore I would like to report the hardship that I have endured to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
Harassed MULTIPLE times for {$400.00} convenience fee after the lease was satisfied. Because I gave back that car and financed a new car with my credit union instead of with them, which now I realized has some covered up damage on it when it was a BRAND new car with XXXX miles on it. Damage looks like it was covered up or they hoped I wouldn't notice. SURPRISED they are still doing business with all the complaints against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: AZ

Complaint narrative:
XXXX account # XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide certified mail with a receipt displaying my signature. If not please delete account # XXXX as soon as possible from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
The account owner passed away XX/XX/year>. On XX/XX/year>, I met with the Estates Department via the interactive video teller system at the RBFCU XXXX XXXX branch. The representative in front of my witness explicitly confirmed on video that I am the sole POD beneficiary. However, instead of disbursing the funds, RBFCU executed an unauthorized account offset on that exact day ( XX/XX/XXXX ) to satisfy a personal credit card debt belonging solely to me. To my knowledge I no longer hold any active deposit accounts with RBFCU. The credit union refused to provide me with a transaction history, written notice of offset, or the account balance. Because there is no mutually of debt and I have no deposit contract with RBFCU, this offset is a severe violation of federal NCUA guidelines and Texas Property Laws. The representative showed no empathy or compassion for my loss. He actually disconnected the feed as I was attempting to get clarification. He said they did not consider it a payment even because it wasn't coming from me. He said it wasn't even enough to cover my whole debt and that I would still owe them. He said even if I paid it in full they would never allow me to have an account with them because I would be considered a bad debt. I would also like to add I had set up payment arrangements for this credit card debt. I provided them with my new outside bank information. I gave them specific amount and dates for them to draft payments. They instead just started taking money as they pleased without my consent. I contacted them and told them they could not do that and they said they could because I owed them. They also offset my XXXX grandmother 's social security check that was ear marked for the memory care facility she was in because I was on her account. They knew it was a federal social security check because she had been receiving the deposits there for years and it was clearly stated on the deposit. They endangered her life by seizing the money used to pay for her care. I called and was told they had the right because I owed them and any account I was on they could seize the deposits. I notified them that was a social security check and they had broken the law! After a XXXX of a fight they did return the money. Them returning the money proves they knew what they had just done was wrong. This shows a pattern of intimidation and illegal practices. I have severe mental illness and they have caused me great emotional distress and stress during already incredibly difficult times of loss and while grieving.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I submitted a direct dispute regarding this account to National Credit Adjusters on XX/XX/year>. As of XX/XX/year>, I have not received investigation results or notice of completion. Please investigate whether the furnisher properly complied with its obligations regarding the disputed account and correct or remove any inaccurate or unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
on XX/XX/year> I wired XXXXrom XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL ( Wells Fargo Bank NA Account XXXX XXXX ABA/Routing number XXXX wire reference XXXX for a XXXX XXXX XXXX XXXX on XX/XX/year> I arrived to pick it up and was told that it was not them and it was a 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 2026-05-24 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Klarna AB
State: SC

Complaint narrative:
Klarna is back at it again. Every few months, there is some kind of can't verify identity when I have had this account for over 3 years. This is the third time that every 5 months after months of successful transactions I hit a block that lasts for months. Nothing has changed on my credit report or with my name or identity and I am still unable to use my account. They want on time paymemts but will not allow me to use my accout due to the error I keep getting. This is aggravating. I would love to go back to using my account as usual. I have execellent payment history on my credit report and still they continue to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting this complaint regarding multiple issues with my account ( s ) with this company. Over a period of time, I have identified several discrepancies, including unauthorized or incorrect charges, billing errors, and/or inaccurate account information. I have made multiple attempts to resolve these issues directly with the company, but the responses have been insufficient, delayed, or have failed to address the problems. In some cases, the issues remain unresolved despite repeated follow-ups. These ongoing problems have caused financial impact and significant inconvenience. I am concerned about the accuracy of my account and the companys handling of my disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank mistakenly paid out Check # XXXX twice to XXXX XXXX XXXX XXXX from my checking account ending in XXXX. The duplicate unauthorized debits of {$1500.00} each occurred consecutively on XX/XX/XXXX and XX/XX/XXXX. I discovered the duplicate debit while auditing my account for tax preparation and officially initiated a claim with Chase on XX/XX/XXXX. This claim was filed at the 11-month mark, which is safely inside the 1-year statutory deadline for reporting duplicate check items under Uniform Commercial Code ( UCC ) 4-406. On XX/XX/XXXX, I called Chase for a status update. A Chase representative explicitly told me that XXXX XXXX XXXX XXXX had " 90 days to respond '' to the claim and instructed me to wait 2 more months for an update. Instead of waiting, Chase secretly closed my case on XX/XX/XXXX, XXXXexactly three days after that phone call, and exactly one year to the day of the initial double-presentment error. I called Chase again on XX/XX/XXXX, which is when I was first informed the case had been shut. The agent claimed a notice was sent, but my Chase online portal shows XXXX notices or letters regarding this account for the entire year of XXXX. Fabricating a " 90-day waiting period '' to intentionally mislead a customer into a cooperative waiting period, so the bank can secretly close a file on a statutory UCC deadline without notice, is a severe Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) violation. Chase has full regulatory authority under Regulation CC to claw back these funds from the depositary bank that wrongfully accepted the duplicate check. I demand the immediate restoration of my {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV contacted me about a charged off credit card that they claim they own. I requested in writing a debt validation. All they sent was a copy of a XXXX XXXX XXXX statement. I sent a cease and desist and they still sent emails every day and then filled a lawsuit on one of the charged off credit cards with out notifying me prior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: OK

Complaint narrative:
They are constantly lying, first they said I had a loan on the account, I asked who gave me the loan and they would not tell me, then they started trying to say very fast that they are filing a complaint about the question I would ask concerning my account and why the computer keeps denying my transfer, I tell them I don't need them to file a complaint on my account and to explain what I am complaining about and they start a argument with me about that, one agent got on the phone speaking a foreign language to me, I asked him if he spoke English, he responded yes and stated talking again in the foreign language, when I asked for the error code that is given for the reason the transfer is denied I was told I can't have that information for security reason, I thought the primary account holder is privileged to all information concerning his or her account, also I have all the conversation recorded and would like a way to send them to you so that everyone can hear that cash app can't be trusted with their money or information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I am disputing responsibility for a financed laptop purchase because I never received the merchandise and believe the investigation into my dispute was incomplete and relied solely on an unverified delivery status. On XX/XX/2026, I purchased a laptop through XXXX XXXX using Affirm financing for XXXX, including interest. I received a notification on XX/XX/2026, stating that the package had been delivered. Although the delivery timestamp reflected approximately XXXXXXXX XXXX, I did not receive the notification until after XXXXXXXX XXXX that evening while I was at work. Because the package was allegedly delivered to a shared mailroom and not directly to my residence or personal possession, I checked the mailroom after work on XX/XX/2026. No package was present. I reviewed the delivery photo provided as proof of delivery. The image only showed a blurry box on a mailroom floor. There was no visible shipping label, address, recipient name, identifying information, or indication that the package belonged to me or contained a laptop. The photograph does not verify that I personally received the merchandise or that the package shown was the laptop purchased. On XX/XX/2026, I contacted XXXX regarding the missing package. XXXX advised that their records showed the package as delivered and instructed me to contact XXXX XXXX. After waiting several days to see if the package would appear, I contacted XXXX XXXX on XX/XX/2026, to report that I had not received the laptop. XXXX XXXX advised that the item had been sold through a third-party merchant, XXXX XXXX, and directed me to contact them. On XX/XX/2026, I filed a dispute with XXXX XXXX through XXXX XXXX stating that I did not receive the merchandise. XXXX XXXX responded the same day and stated that because the tracking status showed delivered, they could not assist further. Also on XX/XX/2026, due to the lack of resolution and the missing merchandise, I filed a police report regarding the incident. After receiving no resolution from XXXX, XXXX XXXX, or XXXX XXXX, I filed a dispute with Affirm on XX/XX/2026. I was subsequently notified that Affirm denied my dispute and intends to hold me financially responsible based solely on the delivery status. I dispute this determination because there is no proof that I personally received the laptop. The package was allegedly delivered to an unsecured shared mailroom and not to me directly. The delivery photo does not identify the package, recipient, address, or contents and therefore does not establish proof of receipt. I respectfully request that this matter be reviewed again, that the account not be reported inaccurately to credit reporting agencies, and that I not be held responsible for merchandise that I never received. .

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I have been a Bank of America customer for over 20 years with a consistent on time payment history. A BOA agent confirmed I had no late payments for at least 13 months, likely longer. I missed one payment and paid the full balance 2 days later. I called to request a one time courtesy refund of the late fee and interest charge. My request was denied. I escalated to supervisor XXXX who repeatedly stated it was at the banks discretion and against policy, without offering any alternative resolution or acknowledging my payment history. Other banks routinely offer one time goodwill adjustments for customers in good standing. No explanation was given for why my 20 year history was not considered. I am filing this complaint as I believe this is an unfair and unreasonable denial of a standard customer courtesy.

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 2026-05-24 00:00:00
Product: Mortgage — VA 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: FL

Complaint narrative:
Hello, this is in reference to a complaint I have submitted in the past about Mr. Cooper 's unethical business practices and the repercussions against me for filing. The company either sold or switched into Rocket Mortgage, but not before doing more damage. After you communicated with them last time about the insurance issue, they told me I had to provide them with an insurance provider immediately, or they would force me to purchase one at their price. I provided the insurance provider and continued to make my payments until very recently, when my mortgage increased by more than {$1000.00} per month. When my wife reached out to them, they informed her that they had already gone away and purchased a year of insurance at their cost for the year they failed to communicate that we had lost our insurance. This, even when they have stated that we were uninsured for a year. I'm calling from overseas while deployed with the military. I'm being passed back and forth between the insurance department and the regular department, with no resolution. The only thing I am informed is that while the issue is resolved internally, I have to commit to the new payment. Today I was informed that to lower my payment, I need to find less expensive insurance, as my current policy is over {$4000.00} a year. When I informed them that I have been charged over {$11000.00} a year, the representatives sided with me, but could not offer any solution. I need assistance. It appears the company is acting as it wishes, and there are no repercussions. Today, I informed them that I will resume payment only when the issue has been resolved. I am also taking this to my military leadership so they know I have done my best to resolve the issue. Please provide a recommendation on this situation, which is affecting my family and me, even while I am serving overseas.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
i initially noticed two transactions on my card that I did not make. I filed a complaint. I received my refund, but then the refund was reversed and I was aware that the refund was reversed because I didnt receive the letter that they said they sent me and I had received a XXXX payment for {$100.00} not knowing my account was overdrawn {$170.00} so I was not able to receive my XXXX dollars and Im still overdrawn with my account and theyre saying theres nothing else that they can do.

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 2026-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: OH

Complaint narrative:
I am XXXX XXXX. If any funds was deposited in my account it was from XXXX XXXX XXXX and it was my paycheck for that week. The company was switching to a new bank system. I was not the only one who had problem with their account that pay week. So I need to know what accrued because its under my name. The day this happen was a day I used the atm machine at a gas station on XXXX XXXX XXXX call XXXX. I always use my card at that atm because it a chime atm location. Yes I need more information about this close account and I keep getting advertisements from chime to open up another account but get denied every time. I have to find out more about this account. So please dig further to see what happen. Or stop sending me email about sigh up. I have turned all information over to my lawyer and the investigator of this account to find out if something was done illegally in my name through your bank system This is what I wrote to them about my account they just closed it after I tried to use my card at a XXXX XXXX XXXX. Where I had already been using it at this gas station all this time. I can not get my money out this account and the close my account and will not give me no explanations and I be call for the last few years to fix my account and the will not

Company response to consumer: Closed with explanation