vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-02 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: FL

Complaint narrative:
I disputed a charge due to merchant misrepresentation and undisclosed return terms. The merchant falsely presented itself as a XXXX company with an address of XXXX The XXXX, XXXX XXXX, XXXX, Delaware, XXXX, XXXX XXXX XXXX XXXX but XXXX required returns to XXXX, which was not disclosed at purchase. The company also offered hassle free returns within XXXX days. I made XXXX attempts to return the items to their XXXX based address but they informed me I would have to ship it to XXXX. Even with that, they still refused to provide me a XXXX address. Capital One denied my dispute based solely on proof of delivery, which does not address my claim under Visa Reason Code XXXX ( Not as Described / Misrepresentation ). Additionally, the merchant is now out of business, making return impossible and eliminating any remedy. I am requesting that Capital One properly investigate this dispute under the correct classification and issue a chargeback

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I visited a Chase Bank branch in XXXX, CA ( XXXX XXXX ) and opened a XXXX account. The banker walked me over to the teller, and I withdrew a XXXX check in the amount of {$200000.00} to fund the account. XXXX days later, I was unable to locate the account online. After contacting customer service and visiting the branch, I was informed that the account could not be found due to an internal error. It has now been over XXXX weeks, and Chase Bank has failed to locate my funds or return my money. I have received repeated assurances that the issue is being escalated, but no resolution has been provided. I have documentation, including the cashiers check receipt and proof of the transaction, opening of the XXXX account, emails with repeated delays, voice mails with repeated delays, inaction by the branch manager with excuses and not returning my calls. This delay is unacceptable given the amount of money involved. I am requesting immediate investigation, confirmation of the location of my funds, and prompt return or proper allocation of the full {$200000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XX/XX/year>, I applied for XXXX general-purpose credit cards with Wells Fargo and received conditional approval for limits of {$8000.00} and {$5500.00} Wells Fargo application # XXXX. Shortly after, Wells Fargo requested XXXX years of federal tax returns and IRS Form 4506-C consent to finalize approval. However, Wells Fargo 's own application notes already document that I had a XXXX employment gap and recently started a new position at {$110000.00} annually. Tax returns from prior years reflect periods of non-employment and can not verify my current income. I contacted Wells Fargo reconsideration services and offered alternative verification : recent pay stubs showing YTD earnings at $ XXXX, and an employment verification letter on company letterhead confirming salary and start date. I was told these documents would not be accepted and that only IRS tax transcripts would suffice. I am not refusing verificationI am providing verification that accurately reflects my current income. Requiring historical tax returns that do not match my present financial reality has stalled issuance of credit I was already approved for. Key dates : Application submitted XX/XX/year> ; conditional approval received XX/XX/year>, verification request received XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: AL

Complaint narrative:
I received a deposit for unemployment benefits on XX/XX/year>. I used the card at the gas station, my doctor 's visit, pharmacy and even added money to my XXXX using the same card ( Way2go ). Later in the day I tried to use the card again online and it declined, went to the atm and it declined. There is still money on the card that I can't use. I finally went through loop holes to get in contact with an actual person to see what's going on and she stated that the card was not locked or had any restrictions. So I waited until this morning XX/XX/year> and still the card does not work, ANYWHERE. My pin number has been verified, address, all of my info. The card just simply quit working. After trying to use the card at the same gas station as I did before while on the phone with them, their only response was " it must be the merchant ''. They gave me the same answers you can find on XXXX but no solution. I thought it would be easier getting this card through the state but this is a nightmare and I need to be able to use my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIDELITY CAPITAL HOLDINGS, INC
State: IL

Complaint narrative:
I am submitting this complaint regarding Fidelity XXXX XXXX XXXX XXXX concerning unauthorized transactions on my Fidelity XXXX XXXX XXXX. I reported unauthorized transactions and filed a fraud claim. On XX/XX/year>, I received a denial letter stating that the transactions were determined to be valid. However, the letter provides no explanation or supporting documentation showing that I authorized these transactions. I dispute this conclusion. At the time of the transactions, my accounts and devices were compromised. Other financial institutions identified unauthorized access to my accounts during the same timeframe, including indications of external online banking access and potential device compromise. Despite this, Fidelity XXXX XXXX XXXX : Did not provide any documentation supporting their determination Did not explain how the transactions were verified as authorized Did not address my report of unauthorized access and compromised credentials Under Regulation XXXX, financial institutions are required to conduct a reasonable investigation and provide results. A denial without supporting evidence does not meet this standard. I am requesting : All documentation relied upon in the investigation Transaction-level details, including authorization method and any device or IP data A full explanation of how the transactions were determined to be authorized Reconsideration of my claim based on a complete and reasonable investigation This matter remains unresolved, and I am requesting CFPB assistance to ensure compliance with applicable consumer protection regulations.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX, a debt collection law firm currently representing Midland Credit Management in a civil action against me. During the course of litigation, XXXX XXXX transmitted documents to me containing the private financial information of an unrelated third-party consumer including that consumer 's creditor name and account balance information that has no relevance to my case. This conduct constitutes multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and implicates the Delaware XXXX of XXXX XXXX. Specific violations include : XXXX U.S.C. XXXX ( b ) Unauthorized third-party communication : Disclosing a consumer 's debt information to a party outside their case without authorization. XXXX U.S.C. XXXX Harassment or abuse : Conduct that causes harm through the improper handling of sensitive consumer information. XXXX U.S.C. XXXX False or misleading representations : Transmitting documents in a manner that misrepresents the scope and content of legitimate case materials. XXXX U.S.C. XXXX Unfair practices : Using unfair means in connection with the collection of a debt, including the improper disclosure of another consumer 's private financial data. Delaware XXXX of XXXX XXXX, Rule XXXX Misconduct : Conduct involving dishonesty and conduct prejudicial to the administration of justice. Their negligence in transmitting another consumer 's private financial information to me raises serious questions about the firm 's competence and reputation as a legal practice. I am also concerned that if my information was handled with the same carelessness, my own personal data may have been improperly disclosed to other parties. I am bringing this complaint forward to protect consumer rights and ensure this does not happen to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
A collection account is currently listed on my credit report without proper verification. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt ; however, the creditor or collection agency has not provided any credible documentation proving that the debt is mine, that the balance is accurate, or that they are legally authorized to collect it. Despite the absence of proper validation, this account continues to be reported on my credit file. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all reported information must be accurate and verifiable. Reporting a debt that has not been validated is both misleading and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 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: Block, Inc.
State: PA

Complaint narrative:
I am disputing a missing refund in the amount of {$300.00} USD involving XXXX and Cash App. On XX/XX/year>, XXXX confirmed that a refund of {$300.00} was successfully issued to my debit card ending in XXXX. XXXX also provided a reference/trace number : XXXX as proof that the funds were sent. However, I have not received this refund. I reviewed my Cash App account and XX/XX/year> statement, and there is no record of any {$300.00} credit. After noticing the missing funds, I contacted Cash App multiple times through their app and support system. Despite providing the transaction details and reference number, my claim has been repeatedly denied, and my cases have been closed without a proper investigation or explanation. This is now the second complaint I have filed with the Consumer Financial Protection Bureau, as the issue remains unresolved and has been ongoing for an extended period of time. There is a clear discrepancy : XXXX confirms the refund was sent Cash App has failed to locate or account for the funds I have requested that Cash App trace the funds using the reference number and provide documentation showing whether the funds were received, rejected, or returned. They have failed to provide this information. As a result, I am still missing {$300.00} that was confirmed as refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL 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 XXXX Code XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/year>, I was defrauded out of {$300.00} through my Chime account. Scammers had hacked the verified XXXX page of the XXXX Animal Shelter ( XXXX XXXX, VA ) and posed as shelter staff to collect deposits for a puppy. I sent XXXX payments totaling {$300.00} via Chime to the scammers ' Chime accounts. When I contacted Chime to report the fraud and request a refund, they refused to investigate or assist in any way. I have filed a police report with the XXXX XXXX XXXX XXXX Office, incident number XXXX. The XXXX XXXX XXXX XXXX Office has publicly confirmed this as a fraud scheme and issued a community scam alert. Chime XXXX failure to investigate or provide any remedy for a documented, police-reported fraud case has caused me significant financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CO

Complaint narrative:
I had a business XXXX XXXX XXXX that had a business account with XXXX XXXX that accrued a balance of XXXX. I.C. System Inc. just trying to collect this debt from me personally even though I had an XXXX, which is a legal separation liability between the business and me personally.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I am filing this complaint against Coinbase , Inc. regarding a transaction involving the transfer of digital assets that have not been credited to my account, and for which I have received inadequate support from the company. I was using their base wallet app and it's connected to my coinbase account. I was transferring the specific token called XXXX XXXX XXXX XXXX on base wallet app to my coinbase account XXXX and suddenly it didn't went through It was almost XXXX I can give you the transaction hash and where it went. Transaction Id : XXXX Receive : XXXX XX/XX/year> at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am in receipt of your response to my validation request regarding the above-referenced account. However, the documents you provided do not constitute proper validation under federal law. Specifically, the documentation lacks any agreement bearing my signature, and therefore fails to demonstrate that I entered into a contractual obligation for the alleged debt. The documents you provided : Do NOT contain my signature Do NOT establish that I agreed to the terms Do NOT prove I am the responsible party A generic or unsigned agreement does not satisfy the legal requirement for validation and is insufficient to establish liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: TX

Complaint narrative:
I paid my insta cash for the month of XX/XX/year>. In haste I borrowed money out of my insta cash for the month of XX/XX/year> which is usually due at the end of the month of XXXX, but to my surprise, once again after totally repaying for the month of XXXX, the XXXX XXXX I borrowed was due XX/XX/year> at the beginning of the month, instead of at the end of the month of XX/XX/year>, this new due date was only a few days after I paid off the previous month of XX/XX/year>. I'm very disappointed to see this happen once again. This is a corrupt tactic that this company uses against it's clients and app users. The app is inconsistent with its automated due date system and it is programmed to deceive clients in to relaxing their concentration when borrowing their insta cash right after paying off the previous month. Moneylion has put me in a bad position for the month of XXXX because I do not have the money and I get paid at the end of the month. I spoke to their customer service and they told me that all they can offer me is to defer the due date by 14 days and I'm very unsatisfied with that and I'm reporting them for their terrible corruption in their app system and their unwillingness to serve me effectively in solving my 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 explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: WV

Complaint narrative:
I am writing to file a complaint against Nelnet, my federal student loan servicer, for failing to notify me of my eligibility for XXXX XXXX XXXX under the XXXX plan and for failing to advise me to enroll in the XXXX plan during a customer service call made right around the time the XXXX XXXX opportunity was publicly announced. This failure directly caused me to miss complete forgiveness of all my federal student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am submitting a new complaint regarding this issue. In my previous complaint, I was offered {$50.00}, which I did not accept because it is not sufficient considering the inconvenience and issues I experienced. I am requesting a fair compensation of {$300.00}. I have not cashed the {$50.00} check. Please review my case again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I paid my XXXX credit card account in full ; however, late fees continued to accumulate due to difficulties with the online payment system and payment processing issues. You try to log on to that app it asks for a code, the code arrives 24 hours later or sometimes never and by that time it expired. Its a vicious cycle. Fees have grown to approximately {$200.00} despite my good-faith efforts to resolve the balance. I am requesting removal of the unfair late fees and confirmation that no legal action is being pursued on an account that has already been paid in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: FirstCash, Inc.
State: TX

Complaint narrative:
SUBJECT : RE-CALCULATION OF UDAAP VIOLATION : CORPORATE RETALIATION & FELONY RECORD TAMPERING 1. THE DOCUMENTED VIOLATION ( FACTS ) I am reporting a coordinated act of " Temporal Fraud '' by agents of XXXX XXXX XXXX XXXX regarding an alleged " Criminal Trespass '' reported to the XXXX XXXXXXXX XXXX XXXX The Claim : XXXX agents provided a sworn statement to the XXXX ( Case # XXXX ) alleging that a " Criminal Trespass '' occurred at XXXX XXXX on XX/XX/year>. The Physical Impossibility : XXXX XXXX XXXX XXXX ( # XXXX ) physically prove the " Notice '' required to establish a legal trespass was in government custody at the XXXX XXXX XXXX in XXXXXXXX XXXX at XXXX XXXX on XX/XX/year>. The Gap : A XXXX and XXXX logistical gap exists between the alleged crime and the physical existence of the legal notice required to establish it. It is a mathematical fact that I could not violate a notice that was still in a government sorting facility 20 miles away. 2. EVIDENCE OF RETALIATION This fraudulent report was filed exactly 48 hours after a high-level regulatory dispute with the OCCC reached a critical stage ( Letter # XXXX ). The false report was used as a tool to illegally bar my household ( XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX ) from our property and financial accounts without due process. 3. CLARIFICATION ON FILING TIMELINE When I initially contacted law enforcement to inquire about my status, no report was on file. The fraudulent report was back-dated and filed after my inquiry as a retaliatory measure to create a retroactive legal justification for barring me from the property. 4. CRIMINAL STATUTES VIOLATED I have officially filed a criminal complaint with the XXXX XXXX XXXX XXXX under Tracking # XXXX for the following violations of the Texas Penal Code ( TPC ) : TPC 37.10 ( Tampering with a Governmental Record ) : Making a false entry in a governmental record ( the police report ) with the intent to defraud or harm. TPC 37.08 ( False Report to a Peace Officer ) : Knowingly making a false statement that is material to a criminal investigation to a law enforcement agency. 5. REQUESTED RESOLUTION To resolve this abusive conduct, I demand a global household settlement that includes : 1. Safety & Security Restoration : Residential security enhancements ( standing-seam metal roofing and security fencing ) to protect the household from further documented corporate harassment. 2. Record Rectification : Immediate withdrawal of all fraudulent reports and a formal admission of the logistical error to the XXXX and OCCC.

Company response to consumer: Closed with explanation