vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
In XX/XX/year>, I reported unauthorized transactions on my Chime account and filed a fraud dispute. Chime completed an investigation and issued a final determination stating that an error occurred and that I was eligible for reimbursement of {$160.00}. However, no reimbursement was ever issued to my account. 

I contacted Chime multiple times after the determination and was repeatedly told the matter would be escalated, but no action was taken. There was no refund, credit, or adjustment posted, and no follow-up communication explaining why the approved reimbursement was not paid. The dispute no longer appears in my account, despite written confirmation that I was eligible for reimbursement. 

I am requesting payment of the approved {$160.00} reimbursement that was never issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: TN

Complaint narrative:
I sent money to my sister 's account that she could no longer access. We called customer service multiple times trying to get access to the account. They told her to create another account, and they could transfer it. We called then tried to get it transferred after she set app another account, and then they told us that they couldn't do the transfer, then said that we would have she had to wait a few hours for everything to set up, we waited till the next morning. Call, they said that again.They could not transfer it, but I needed to call and request a refund.I did so when I did, I was told that they could not do that either

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
I don't owe any money to anyone all bills are paid even my student loans apparently its not even about them. Supposedly some telecommunications services. I dont any of them money so must be a scam. I remember I got some random scam mail from spectrum long ago about service but I got no service from them BECAUSE THEY DONT EVEN OFFER SERVICE IN MY AREA. They must be making a false claim on top of that I have optimum. This is ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: DISCOVER BANK
State: NV

Complaint narrative:
XXXX XXXX charged my credit card for {$98.00} when it was supposed to be {$49.00}. Called them, cancelled the membership ( ending XX/XX/XXXX, same day ) and process a refund. Only received {$49.00} from their end. I called them, emailed them and they said the only charge they can see is {$49.00} which was refunded and if I can still see {$9.00}, I need to contact discover to do a dispute. 

Discover ( card ending XXXX ) gave me the credit, then reapplied. I sent them the emails I got from XXXX. And changed the dispute resolution to my favor. 

XX/XX/XXXX. Discover reapplied the credit on XXXX favor. Saying they received documentation, i was going to received a letter and copies of what they what. Hasnt happened.

Discover process for a dispute on THEIR OWN WEBSITE says ; Why has my temporary credit been reversed?

A temporary credit will be reversed once a decision has been made regarding your case.

Here 's how the outcome can affect any temporary credit ( s ) : In your favor, you won't be responsible for paying the disputed amount ( s ). A permanent credit in the amount of the dispute ( s ) will be applied instead.

In the merchant 's favor, you'll be responsible for paying the disputed amount ( s ), and the temporary credit will be removed.

An email or letter with more information about the outcome will be sent to you.

I asked that today to an agent online and the answer was : Great question. XXXX XXXX XXXX challenged the case so the charge was systematically reapplied, and the case is in their favor at the time being. Once XXXX XXXX XXXX 's response is reviewed, our specialists will reach out to let you know what is happening moving forward. Does this help to clarify? 

And then I asked where to proceed to complain about how this is being handled and they never got back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I took out an equity line of credit for personal use. I never instructed the bank to pay off any of my credit cards, but mistakenly they went ahead and paid some of them off. I have called all my creditors and they have refunded me the payments with the exception of Synchrony Bank CareCredit. I have called them two times and they are not cooperating and they keep telling that it is under review. Synchrony got the {$3500.00} on XX/XX/year>. This balance has an interest free promotion till XX/XX/year>. In the mean time the I am paying interest to the bank for this amount.

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 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app continues to decline my disputes when the person scammed me and I havent received the product which was a puppy the person claimed to be selling a dog on XXXX and never provided it then threatening that I owed {$2000.00} more

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
Company lied about sending email confirmation. Regarding complaint. I am building a legal defense against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate credit reporting related to a credit card account that is currently being reported under my name.

The account in question reflects an outstanding balance and multiple missed or late payments that I believe are inaccurate, incomplete, and/or not properly substantiated. I dispute both the amount reported as owed and the payment history being furnished to the credit reporting agencies.

Despite my efforts to review this account, the information being reported does not accurately reflect my records. Specifically, the reported missed payments do not align with my payment history, and the balance being reported appears incorrect. This inaccurate reporting has negatively impacted my credit profile and does not comply with the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report information that is complete, accurate, and verifiable.

I am requesting that the furnisher of this account : Conduct a thorough investigation into the accuracy of the reported debt and payment history Provide documentation verifying the validity of the debt, including a complete payment history Correct or remove any inaccurate, incomplete, or unverifiable information from all credit reporting agencies If the information can not be fully verified, I request that it be deleted in accordance with applicable federal law.

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 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I opened an account on XX/XX/XXXX25 to signed up with the get300 offer that stated New Customers ( who do not have, nor ever had, an Ally Bank Spending Account ) can get a cash bonus of {$300.00} for opening a new Ally Bank Spending Account using offer code Get300 and setting up a Qualifying Direct Deposit totaling at least {$1000.00} per month for two months. ( Link to terms https : XXXX ) I completed the following deposits but did not get my bonus {$1000.00} on XX/XX/XXXX13 {$1000.00} on XX/XX/XXXX26 {$1000.00} on XX/XX/XXXX Deposits were completed in XXXX and XXXX ( 2 consecutive months ).

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 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
On XXXX XXXX, XXXX, I scheduled an external transfer of {$20000.00} and {$3500.00} and on XXXX XXXX XXXX i schedule another {$500.00} from my XXXX XXXX  account ( ending in XXXX ) to my Robinhood checking account ( ending in XXXX ) .The funds were credited to my Robinhood checking account on XXXX XXXX, XXXX. That same day, I initiated a purchase of bitcoin and try to send some to my external wallet. Robinhood stop the transfer and restricted my account, citing unusual activity. I contacted Robinhood to complete verification, but they refused to remove the restriction or mail me a check for the funds held in my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XX/XX/year> received a credit inquiry from XXXX XXXX  XX/XX/year> Credit card from XXXX was created through XXXX XXXX  in my name XX/XX/year> contacted XXXX to report the account as fraud, they opened an investigation, would alert credit bureaus about fraudulent account XX/XX/year> opened an identity theft case through All State XX/XX/year> contacted by All State agent to provide more details XX/XX/year> filed police report with local police department for identity theft XX/XX/year> created credit freezes through credit bureaus

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 2026-01-29 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: MD

Complaint narrative:
On XX/XX/XXXX I received a text from chime that said did you make a transaction of XXXX and I said hit no then someone called and said they was chime and ask for my information of a pass code then when I got home and realized that it was fraud and I looked at my chime account and called them and then did a dispute for these transaction so they refunded me for XXXX but not the last XXXX of XXXX and which it was the same person so since then I've been calling chime everyday and speaking to supervisors and they was supposed to be sending me a letter of which I haven't received one yet and it it is now XXXX XXXX I'm still going through this situation I have a police report and my time sheet of which the fraud has happened in XXXX  XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My Experian online account was locked for password issues. Been calling for three weeks to unlock. Experian does not have a live agent and the XXXX  agent just hangs up on you after prompts. I have tried repeatedly to reach them in person. There failure to give me access to my credit account is causing significant pain and has failed to get me approved for credit when I cant logon, which is creating a hardship at the lawsuit level. ALL I want is to speak with a live person who can unlock my account

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 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX  is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding a newly reported collection account by CBE Group , Inc., which appeared on my consumer credit report within the last two days. 


Collection Agency : CBE Group , Inc. 

Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA, XXXX Account Number : XXXX Amount Reported : {$330.00} Original Creditor : XXXX XXXX  Subject : Request for Investigation of Inaccurate information on my Credit Report This account was reported to the credit bureaus without prior validation or meaningful opportunity to dispute, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

CBE Group has not provided : - Proof that I am legally obligated to pay this debt - Proof of assignment or authority to collect - A complete accounting of the amount claimed Reporting a collection account so quickly, without proper validation, constitutes unfair and inaccurate credit reporting and is causing immediate harm to my credit profile.

Under 15 U.S.C. 1692g, a consumer has the right to receive validation of a debt, and collection activity including credit reporting must cease until proper validation is provided. Additionally, under 15 U.S.C. 1681, any information that can not be verified must be deleted from a consumers credit report.

Because this account was reported prematurely and without validation, I am requesting the following resolution : - Immediate deletion of this collection account from all credit bureaus - Written confirmation of the deletion - Assurance that no further collection or reporting activity will occur regarding this account If this matter is not resolved promptly, I request that the CFPB require CBE Group to demonstrate full compliance with all applicable federal consumer protection laws.

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
So about 5 days ago I filed a dispute and scam report because I was scammed by a kid in the barbershop asking me to call his mom am cashapp says I sent the money because of security lock but if you look at the info I provided money was sent while he was on the phone this is ridiculous and XXXX the manager literally make things worse like he doesnt even explain the review process just that I had security lock enabled wat poor excuse for an company

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: NY

Complaint narrative:
I am filing this complaint to report a serious unauthorized debit card transaction and the failure of my financial institution to adequately protect my account and promptly resolve the matter in compliance with federal law. 

On XX/XX/XXXX, an amount of {$800.00} was debited from my checking account via a transaction labeled XXXX * XXXX. This transaction was made without my authorization, consent, or knowledge. I did not initiate, approve, or participate in any cryptocurrency transaction with XXXX or XXXX. 

I immediately disputed this charge with my bank. The dispute is currently listed as Dispute # XXXX, and I have already provided notice that this transaction is fraudulent. Despite this, I am concerned about delays and the lack of clear provisional credit and accountability, which are mandatory under federal law. 

This transaction qualifies as an unauthorized electronic funds transfer under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) and Regulation E ( 12 CFR 1005 ). Under these laws : Consumer liability is strictly limited. 

Financial institutions are required to conduct a prompt investigation. 

Provisional credit must be provided within the required timeframe if the investigation is ongoing. 

The consumer must not be held responsible for fraudulent debit card transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Management Holdings, LLC
State: TN

Complaint narrative:
keeps reselling debt and damaging my credit beyond repair. Every few months, the debt is sold to another debt collection agency and Im am continuously harassed. This debt is being illegally reaged. I need the date of first delinquency, original creditor, Proof theyre allowed to collect, and Proof of accurate reporting dates. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and CREDIT MANAGEMENT COMPANY are the debt collectors that keep engaging in illegally re-aging debts. I need help as this has continued to damage my credit every two months and I have proof of it damaging my credit repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I was in negotiating with Honda of XXXX for a used vehicle. First they attempted to charge me {$6000.00} more than what they were initially asking online. Then they came down to just {$4000.00} more than they were asking online, and then they came up {$5000.00} more than they were asking online and stated via text message, " Final offer that is good until the end of the month and only if you finance with is us {$37000.00} OTD. '' Well, that's still {$3500.00} over their ask online ( which is still over the XXXX value ) and they were fully aware that I already have the financing secured through my credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
This complaint concerns American Express and its failure to conduct lawful, consistent, and documented billing error investigations as required by Regulation Z, 12 CFR Section 1026.13.

American Express closed multiple disputes involving the same merchant, XXXX XXXX XXXX, using contradictory and inconsistent justifications, including inability to investigate, reliance on merchant policy, claims of incomplete dispute setup, and assertions that charges were valid.

The disputed transactions involve the same account, the same merchant, similar transaction amounts, and the same time period. Despite this, American Express issued different outcomes for identical transactions without identifying what evidence was reviewed or how determinations were reached.

Several closures directed the consumer to contact the merchant directly or relied on internal merchant policies. These explanations do not satisfy Regulation Z, which requires a reasonable investigation and a written explanation of findings.

The merchant activity raises concerns regarding potentially prohibited or unlawful real money gaming transactions being billed under non gambling descriptors. American Express did not disclose whether merchant legality, licensing, or transaction classification was evaluated.

Closing disputes involving potentially unlawful transactions without investigation undermines consumer protections and compliance safeguards.

The attached exhibits demonstrate a systemic dispute handling failure rather than isolated error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I have a collections account that fell off my report after 7 years. Now it has re-opened and they are Re-aging this debt.

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 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
XXXX I am filing a complaint against Citi Bank regarding an unresolved credit card overpayment. 

I am the cardholder XXXX XXXX, credit card ending in XXXX. In XXXX and XXXX, I made overpayments totaling {$5000.00}. I contacted Citi Bank multiple times requesting a refund, but the issue has not been resolved and my funds have not been returned. 

I am requesting that Citi Bank immediately refund the {$5000.00} overpayment or provide a clear explanation and resolution timeline.

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