vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC
State: GA

Complaint narrative:
I am disputing a {$390.00} balance related to a XXXX rental that has been sent to collections by FCR. I do not owe this amount. The vehicle was originally rented from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, the host contacted me asking if I wanted to extend the rental, which was our normal practice. I told the host I would confirm around XXXX XXXX because I was at work, and he agreed. When I attempted to extend the rental in the app later that evening, my card would not process and customer support was closed. The host and I agreed to resolve the extension the following morning. When I later contacted XXXX, I was told a late return fee had been added. I explained that I had the hosts permission to keep the vehicle and both the host and I communicated with XXXX for about a week. XXXX representatives confirmed they could see our messages showing the hosts permission. Despite this, the charge remained and was later sent to collections. I called the collection agency on XX/XX/XXXX to dispute the debt and was instructed to send documentation. On XX/XX/XXXX I emailed them my dispute along with photos and message screenshots showing the hosts permission. I have not received any response or resolution. This debt is inaccurate and I am requesting that it be investigated and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: MD

Complaint narrative:
I discovered a collection account being reported by Waypoint Resource Group for a telecommunications debt related to XXXX service. I have never opened or authorized any XXXX or XXXX account in my name. This account is the result of identity theft. I previously disputed the account and requested documentation showing that the debt belongs to me, including the original service agreement, the service address where the account was opened, and any identity verification records used to open the account. The company did not provide documentation proving that I opened or authorized this account. I have filed an identity theft report and a police report regarding the fraudulent use of my personal information. Despite this, the account continues to be reported and verified. I am requesting that Waypoint Resource Group provide proper documentation demonstrating that I opened this account, or remove the collection account from my credit reports if they can not verify that it belongs to me.

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 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime has repeatedly denied EVERY dispute I have filed. no matter how much info & documents i upload to support my claim, every email is a copy & paste DENIAL. email sent of the final decision is the same. no REAL answer as to why the claim was denied. ZERO proof of what their " investigation '' with the merchant 's answer or any of their supporting documents proving me wrong. the following is more information about the issue i was having with the merchant that lead me into filing a dispute with Chime XXXX XX/XX/year>, I paid {$95.00} to XXXX XXXX XXXX for prescription management services and an initial consultation. During my video consultation, within the XXXX XXXX minutes the provider informed me that they are unable to prescribe the medications I currently take and that they could not assist with my specific prescription management needs. The provider herself advised me to contact XXXX XXXX XXXX to request a refund since she was unable to deliver the services I paid for. I contacted XXXX XXXX XXXX to request a refund based on the provider 's own recommendation. They refused. Their justification was that their medication limitations are disclosed on their website however this information is not clearly visible or prominently displayed during the sign up and payment process. A reasonable consumer would not be aware of these restrictions prior to paying {$95.00}. I paid {$95.00} for a service that was confirmed by the provider to be undeliverable to me. I received no consultation, no prescription management, and no alternative assistance. Retaining my payment under these circumstances is deceptive and an unfair business practice. I am requesting a full refund of {$95.00}. after submitting a complaint to BBB, Chime continued to just reply with a COPY + PASTE response without a care in the world. obvious fraud. all the reviews online are TRUE

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I paid XXXX cash down on a XXXX XXXXXXXX XXXX in XX/XX/XXXX I have paid and I also do split payment but its not updated on my credit report I also went through a XXXX before this purchase

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 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
XXXX XXXX XXXX submits this request for an XXXX specific license required to continue a payment blocked by JPMorgan Chase Bank , N.A . due to U.S. sanctions compliance. The Company is engaged in the sale of civilian Chinese-made loaders used exclusively for construction and agricultural purposes. Its activities are strictly civilian and unrelated to military, defense, or restricted sectors. On XX/XX/2022, a wire transfer executed under a lawful foreign trade contract was blocked by JPMorgan Chase Bank, N.A., and the payment has remained suspended since that time. The Company has made repeated attempts to resolve this matter through its servicing banks and U.S. authorities. A prior response was received from the Consumer Financial Protection Bureau ( CFPB ) following a related inquiry ; however, CFPB indicated it could not confirm the existence of the funds at JPMorgan. JPMorgan Chase Bank, N.A., in turn, has confirmed that the funds are held on its accounts and advised that continuation of the payment requires an XXXX specific license and a formal request from the payers bank, XXXX XXXX XXXX XXXX XXXX XXXX does not request a return of the funds. This application seeks authorization solely to continue and complete the previously initiated lawful civilian commercial payment. The Company, its management, and its ultimate beneficial owners are not designated on the XXXX XXXX or any other U.S. sanctions lists, and the transaction does not involve sanctioned persons or prohibited goods. Accordingly, we respectfully request that XXXX issue a specific license authorizing continuation and completion of the payment through JPMorgan Chase Bank , N.A .

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
I had a settlement agreement with Synchrony Bank for a Sams Club credit card We agreed on three payments and they canceled my final settlement payment and are now suing me I have letters and communications showing them canceling a day after they were supposed to deduct my final payment

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 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Therefore, I am formally requesting the following documentation to resolve this issue : 1. Complete XXXX XXXXXXXX Payment Trace : I am requesting a full, itemized payment trace and ledger reconciliation for my XXXX XXXXXXXX, going back to the inception of the account. This trace must detail exactly how every payment received from my XXXX XXXX XXXXXXXX account was applied, and mathematically demonstrate how the current inflated balance was reached without factoring in the cleared XX/XX/XXXX payment. 2. Complete Wells Fargo Auto Loan Payment Trace : My external bank records also show a history of recurring monthly electronic drafts of {$500.00} designated as " WELLS FARGO AUTO XXXXXXXX : DRAFT ''. Given the severe misapplication of funds regarding my credit card, I must ensure there is no cross-contamination or misapplication of payments between my accounts. I am requesting a complete payment trace and ledger reconciliation for my Wells Fargo Auto Loan to confirm that every {$500.00} payment has been properly credited to that specific loan balance. 3. Certified XXXX XXXX ( XXXX ) Extract ( Account XXXX ) I demand a certified, line-by-line internal General Ledger extract for the XXXX XXXX from XX/XX/year>, to the present. This must not be a standard consumer monthly statement. This extract must display the exact chronological posting of all credits and debits, including the specific formulaic calculation that generated the XX/XX/year>XXXX statement balance of {$11000.00}. 4. Audit of Unapplied Funds and Suspense Accounts Because my external financial institution has verified that the {$6000.00} remittance initiated on XX/XX/year>, successfully cleared the Federal Reserve, I require an immediate query of Wells Fargos unapplied funds ledger and internal suspense accounts. You must produce verification that a search for this specific remittance was conducted against your unposted/rejected payment queues. 5. Cross-Account Payment Application Verification ( Auto Loan ) Given the severe misapplication of funds on my revolving credit line, I must independently verify that there has been no cross-contamination of accounts. I demand a complete remittance trace for my Wells Fargo Auto Loan. You must provide documentation proving that every {$500.00} ACH draft initiated from my XXXX XXXX XXXXXXXX account was segregated and accurately credited strictly to the principal and interest of the auto loan, and not erroneously swept into a different ledger.

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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
To Whom It May Concern : I am in receipt of your reporting and/or collection activity regarding the above-referenced account. This letter constitutes a formal dispute and request for validation pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, and notice of dispute under the Fair Credit Reporting Act, 15 U.S.C. 1681s-2. I dispute this debt in its entirety. Until you provide proper validation, you must cease collection activity. Provide the following : The name and address of the original creditor. A copy of the signed agreement or contract bearing my signature. A complete account history from inception, including all charges, payments, credits, interest, and fees used to calculate the current balance. The date of default. Documentation establishing your ownership of the account, including assignment records and chain of title from the original creditor to XXXX XXXX XXXX XXXX XXXX Documentation demonstrating your authority to collect in my state, including licensing information if required. If you have furnished information to any consumer reporting agency, you are required to report this account as disputed pursuant to 15 U.S.C. 1681s-2 ( a ) ( 3 ). If you can not provide the above documentation, you must : Cease collection activity ; and Notify any consumer reporting agencies to which you have furnished information that the account is disputed and request deletion if unverified. Communication is to be conducted in writing only. Do not contact me by telephone. You have 30 days from receipt of this notice to respond in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: SC

Complaint narrative:
( XX/XX/year> ) evidence has been provided, a message from XXXX executives office has been provided to cashapp stating we can provide a reship/refund for this order. Then proceeding tto not refund. This is extremely frustrating that this is my last option to get my money back. All proof has been provided and cashapp refuses to give me my money and an update. It has OFFICIALLY been 47 days and I havent heard anything from cashapp after promising to give an update by XX/XX/XXXX. The information ive given to cashapp for the chargeback is included in this report ( Original complaint ) I ordered a XXXX worth about {$1000.00} for delivery. Usually when I order expensive items they all require a signature delivery. Unfortunately this one did not and I wasn't aware of this. XXXX was marked delivered, a picture was provided for delivery which looks to be my apartment complex. No door number was in the picture so I cant verify for sure who's door its at, and no item was outside my door. XXXX said it was probably falsely marked delivered and to give it a few days. I waited and nothing arrived. I was told my refund was processing many times, then told I will not get oneI am unsure if it was stolen by the driver or stolen by someone else. I was advised to file a police report for this, I did, and still no refund. Both bestbuy and my bank are denying the refund. Account executive then said I will not get a refund, I will get a refund, then I will not get a refund In that order. Ridiculous business practice

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
Company You Are Complaining About Company Name : PayPal Holdings , Inc. Product/Service : Money transfer service Complaint Details Issue : PayPal unfairly blocked withdrawal of my funds after 180-day hold and threatens to escheat them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX I deposited {$6000.00} in {$100.00} bills at a Bank of America ATM. The ATM displayed a message saying there was a problem and it could not return my cash. Before the issue, the machine processed {$1100.00} of my deposit. I followed the on-screen instructions and submitted a claim with Bank of America XXXX The bank temporarily credited my account {$6000.00} while investigating. After their investigation, the bank concluded that only {$2000.00} was deposited and plans to debit {$3900.00} from my account on XX/XX/year>. I clearly deposited {$6000.00} in cash, so this conclusion is incorrect. I requested detailed information about the investigation, including ATM cash counts, audit logs, and camera footage, but the bank did not provide this information. I believe the ATM malfunction caused it to miscount or retain part of my deposit, and the banks current resolution is unfair. ATM-ID XXXX LOCATION XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX United States

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 2026-03-10 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: NJ

Complaint narrative:
Consumer : XXXX XXXX Address : [ XXXX XXXX XXXX ] City, XXXX, XXXX New Jersey Phone : [ Your Phone ] XXXX Email : XXXX Company : Chime Financial Inc. Subject : Failure to Properly Investigate Unauthorized Transactions Regulation E Violation I am filing this complaint regarding Chime Financial Inc. and their failure to properly investigate unauthorized electronic transactions on my account. On XX/XX/XXXX, I reported multiple fraudulent transactions that appeared on my account. I immediately submitted a dispute and also filed a police report documenting that the charges were fraudulent. Despite providing documentation and cooperating with the investigation, Chime denied one of my claims ( Dispute # XXXX ). The denied transaction is : XXXX * XXXX XXXX XXXXXXXX {$250.00} XX/XX/XXXX Additionally, several unauthorized gambling transactions occurred through XXXX XXXX XXXXXXXX within a short time period. These transactions include multiple withdrawals totaling {$640.00}. Total unauthorized amount : {$900.00} I did not authorize these transactions, did not receive any benefit from them, and did not give anyone permission to access or use my account. Under the Electronic Fund Transfer Act and Regulation E, financial institutions must conduct a reasonable investigation into unauthorized electronic transfers. If the institution can not demonstrate that the consumer authorized the transactions, they must reimburse the funds. Chime has not provided sufficient evidence showing that these transactions were authorized by me. The denial of my claim appears inconsistent with the consumer protections provided under federal law. I am requesting the following resolution : 1. A full reinvestigation of the disputed transactions. 2. Written documentation explaining how the determination was made that the transactions were authorized. 3. Reimbursement of the unauthorized funds totaling {$900.00}. I have already submitted a police report and supporting documentation confirming that this activity was fraudulent. I request that the Consumer Financial Protection Bureau require Chime Financial Inc. to properly investigate this matter and comply with federal consumer protection laws. Requested Resolution : Refund of {$900.00} and correction of the dispute investigation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: OH

Complaint narrative:
This is my second complaint on CashApp. On XX/XX/year>, I was hired by XXXX XXXX for a remote work from home position that I was to start XX/XX/year>. XXXX XXXX require all new hires to complete one course given by XXXX XXXX. So I purchased a course for {$35.00} to complete for this position. However, I never received any computer or equipment that was to be provided by the company, never heard anything more about the position, and on XX/XX/year>, no remote job started for me. I emailed HR multiple times, tried calling three different numbers, ( two numbers were disconnect and one number went to a voicemail, which I left multiple messages at ) but I never heard back from anyone. I disputed this {$35.00} XXXX XXXX charge because the job has turned out to be a scam. CashApp denied my dispute. I asked why they denied it and appealed the denial. I was told that the investigation team decided the charge was valid. I was never told what validated the charge. My second dispute was also denied and I asked why but the agent just said that the investigations team decided to stay with their original decision. At that point, I asked to be transferred to a supervisor. However, the CashApp agent refused to to transfer me to a supervisor, claiming supervisors are never available to speak with, that an email must be sent instead. ( although, I have been transferred to supervisor on more than one occasion ). Hours later at XXXX, I received an email from a CashApp manager XXXX informing me that she was going to help me with my refund matter. She then explained that after reviewing the details of my complaint, they found that their original decision was correct. Meaning they are unable to refund my payment of {$35.00}. The reference number associated with this claim decision is XXXX. I have asked multiple times why my XXXX disputes that are related to a scam job have been denied. I don't understand what validated this charge for coursework for a job that turned out to be a scam and I didn't start I have a portal on XXXX XXXX that looks very real. It shows that my onboarding is 100 % complete and I'm ready to start the position. However, I never received the company provided office equipment, never received the stipend or money back from the course I paid for, never received a single reply from HR, and never started the job! Why can not I not get my money back??

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This correspondence constitutes my First Round Formal Dispute Notice directed to Equifax, TransUnion and Experian regarding inaccurate charge-off accounts currently appearing on my consumer credit report. After carefully reviewing my credit file, I discovered information that I believe is inaccurate, incomplete, or unverifiable. Because the presence of inaccurate derogatory accounts can significantly harm my credit standing and financial reputation, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I am formally requesting that Equifax, TransUnion and Experian conduct a thorough and good-faith reinvestigation of the information listed below. If these accounts can not be verified through proper documentation from the original furnishers, I respectfully request that they be permanently removed from my credit file. XXXX XXXX CT XXXX XXXX Date Filed/Reported : XXXX Reference # : XXXX Charge Off : XXXX XXXX XXXX XXXX Balance {$63.00} XXXX XXXX XXXX XXXX XXXX Balance {$67.00}

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