vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 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: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX charged me {$22.00} I filed a fraud claim as I did not recognize and did not make this transaction, Capital One immediately tried to do a purchase adjustment for the same amount XX/XX/XXXX. But then on XX/XX/XXXX they charged me again for {$22.00} with an email saying that this was not a fraudulent case because I benefited from this transaction when I did not. Calling the fraud department, I explained that I did not lose my credit card but someone still made a fraudulent purchase using my credit card, but they informed me that because I did not lose my credit card, they consider it to be an actual purchase. Even when I explained that I had never even hear of this establishment and frankly doubt that it exists as it is unsearchable in XXXX XXXX, they claim that it is a square chip transaction and I am being held liable when they have frauded my account and allowed a scammer to keep my money. I had another purchase from XXXX XXXX that I did recognize charged on the same date of XX/XX/XXXX and did not claim that one as a fraud purchase because I did make that purchase but this makes me concerned about the card safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
I have reached out to Mohels multiple times email and calls with no response. There are multiple loans that are associated and approved for discharge since XX/XX/year> and there has been minimal movement. The past few months interest accruals have been reported to credit bureau. I called four times and my call was rerouted, discounted or passed around with no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Credit Control, LLC
State: CA

Complaint narrative:
I received a phone call from my boss stating that Credit Control LLC contacted him regarding an alleged debt I owe to XXXX XXXX. They have not attempted to contact me directly, but instead reached out to him asking for 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 2026-04-07 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Please see the company receipt showing I asked them to cancel again last XX/XX/XXXX. They keep stealing from me. Find answers now in our Help Center : XXXX XXXX XXXX Below is the request you submitted : Please cancel. Do not charge. Please refund. -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX Date : Mon, XX/XX/XXXX, XXXX XXXX Subject : Welcome to another year of XXXX! To : Your membership has renewed for another year of savings on your active lifestyle. See what you can redeem right now. XXXX [ image : active ] [ image : XXXX Logo ] [ image : Welcome to XXXX ] Cheers to another year of savings * We've got some great news! * Your membership has renewed and you can keep redeeming all your favorite benefits. You can * continue to save on exclusive ongoing deals and discounts *. Here 's to more activities, more travel, more savings, and a more active year. Top benefits [ image XXXX XXXX XXXX XXXX XXXX ] {$50.00} towards new shoes Get your next {$50.00} in credit to use on new shoes with XXXX. Take your pick from XXXX of choices! [ image : 25 % off pizza ] 25 % off pizza XXXX 25 % off regular priced menu items on XXXX. Every order, every time. [ image : No processing fees ] No processing fees Keep registering for races, classes, camps... you name it! You keep being active and we'll keep covering your processing fees. [ image : XXXX XXXX XXXX socks ] XXXX XXXX XXXX socks A {$50.00} value, pick from over-the-calf compression or no-show ankle socks in our exclusive designs. All benefits Order number XXXX Order date XX/XX/XXXX Billed to XXXX XXXX XXXX XXXXXXXX XXXX Card on file Next order date XX/XX/XXXX Item Qty Price ACTIVE Advantage annual membership XXXX {$99.00} Subtotal : {$99.00} Tax : {$0.00} Total : {$99.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: Block, Inc.
State: IL

Complaint narrative:
Im requesting a automatic refund through your redress fund. I request all my taxes to be refund here at XXXX XXXX XXXX XXXX from XX/XX/XXXX until i last paid here in XXXX with my cash app card. After i noticed unauthorized deceptive pricing on my wifes bank card, i tried to file disputes on my card, cash app denied all of my claims and appeal i believe they didnt investigating improperly or incomplete. Then again denied and managers fail to fix taxes after 30 days of our long term stay. In illinois after, we dont pay taxes on our room happened several times on me and my wifes card. Going through eviction now from hotel but failing to refund all charges and rub it in my face is unacceptabl. I have all my bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
Since XX/XX/year>, I have been completely unable to access my Current account and the funds held within it. The issue is a failure in Current 's multi-factor authentication ( MFA ) system. When I attempt to log in, the system is unable to send a verification code to my email address. However, I am actively receiving emails from Current 's own support team to that same email address, confirming the email account is fully functional. I am also able to receive XXXX MFA codes to my phone, but the system will not accept this as an alternative to complete login. Despite this being a technical fault on Current 's side, I have been unable to access my money for over XXXX weeks. Actions I have taken : - I have contacted Current 's support team daily since XX/XX/XXXX via phone and email - No resolution has been offered and no timeline for restoration has been provided- I requested a formal internal complaint be raised on approximately XX/XX/XXXX. This request was refused or ignored on multiple occasions over approximately 4 days - A formal internal complaint was only logged on XX/XX/year>, after repeated requests - As of today, I have received no substantive response to that complaint Current has provided no explanation for why their system can not send MFA codes to an email address that demonstrably works, and has offered no workaround or interim solution to allow me to access my funds during this period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IL

Complaint narrative:
Someone using chimes number called me Friday XX/XX/year> I answered because it was the actual chime number. They said they were with the fraud department. I looked at my account and it says they would never call so I ended the call. I had a transfer from my account to what looked like a chime employee. I never approved this transaction. Chime denied my fraud claim twice even though no one works there with that name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: AZ

Complaint narrative:
I am disputing a debt being collected by Viking Client Services , LLC on behalf of XXXX related to alleged vehicle damage. I rented a vehicle from XXXX and returned it on XX/XX/year>. At the time of return, the vehicles mileage was XXXX. The claim provided by the company indicates that the vehicle mileage was later recorded as XXXX, showing that the car was driven approximately XXXX miles after it was returned and no longer in my possession. Additionally, the alleged damage is dated XX/XX/year>, which is XXXX days after I returned the vehicle. These facts indicate that the vehicle was used by other parties after my rental period ended. Therefore, I am not responsible for any damage that may have occurred after XX/XX/year>. I requested validation of this debt. In response, I received insufficient documentation that does not include : * A return inspection report completed at the time I returned the vehicle * Clear, time-stamped photographic evidence showing the damage at the time of return * Documentation accounting for who had possession of the vehicle after it was returned The photographs provided are unclear and do not support the claim. Despite these discrepancies and lack of proper validation, the debt collector continues to attempt to collect this debt. I am requesting that this debt be investigated and that collection efforts cease, as the available evidence does not support that I am responsible for the alleged damage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX my Target Credit Card was reactivated and the security code changed without my knowledge. I received an email alerting me to this change. I checked the card account on line and found XXXX purchases had been made on XX/XX/XXXX ; XXXX for {$180.00} and another for {$70.00}. Target Fraud informed that I needed to fill out a document which was sent to me by mail and return it to start an investigation. I did so and they confirmed receipt of this document on XX/XX/XXXX. I was told it would take 90 days to resolve. I have called repeatedly of updates. On XX/XX/XXXX I was told it had been finalized but they could not give me details and I would receive action by the next statement. On XX/XX/XXXX I was assured the case was fast tracked. I have still not received any indication of a resolution. Since the initial fraud, Target has added fees and interest total {$130.00} and reported my account as 60 days past due to credit bureau companies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MN

Complaint narrative:
b'On XXXX an unauthorized transaction of XXXX occurred on my account from XXXX I did not make this transaction, nor did I authorize anyone else to use my account or credentials. I am the victim of fraud/identity theft.\n\nI have disputed this transaction with Chime three times (Dispute #s: XXXX, XXXX, and XXXX. Each time, Chime denied the claim without providing any evidence that I made this transaction or authorized the charge. I have even provided a formal police report (Case #: XXXX XXXX XXXX XXXX from XXXX XXXX XXXX) proving my claim of unauthorized activity. Chime has consistently failed to consider this critical evidence in their reinvestigation. \n\nChimes repeated denial of my dispute violates the Electronic Fund Transfer Act (EFTA), 15 U.S.C. 1693f, and Regulation E, 12 C.F.R. 205.11. Under these federal laws, financial institutions must conduct a good faith investigation of reported errors. By ignoring a filed police report and refusing to refund stolen funds, Chime is in willful violation of my consumer rights.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Rosebud Economic Development Corporation
State: CA

Complaint narrative:
I have received numerous calls early mornings most recently XXXX XXXX. No call has ever been made after XXXX XXXX

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 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am writing to formally appeal the decision regarding Claim ID : XXXX. I strongly disagree with the findings of the initial investigation concerning the unauthorized transfer of {$260.00} from my account ending in XXXX. My account was compromised through an online hack. I do not know the recipient of these funds, and I did not authorize this transaction. It appears the unauthorized party gained access to my account, requested funds, and transferred them to themselves. As a victim of fraud, it is incredibly frustrating to experience a lack of resolution. I believe my location and device data may have been spoofed to make the transaction appear legitimate. Please reevaluate and reinvestigate this matter immediately. This was not an authorized transfer, and I take this situation very seriously. If this is not resolved, I will be forced to seek legal counsel and pursue a lawsuit to recover my funds. I look forward to a prompt reassessment of this claim and a swift resolution to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MORGAN STANLEY & CO. LLC
State: TX

Complaint narrative:
I received an unsolicited debit card from E * TRADE, a Morgan Stanley company. When I called to ask why I received this, as I have not opened any accounts, the customer service rep was unhelpful. When I asked for a supervisor, I was not afforded the opportunity to speak with one.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: NC

Complaint narrative:
I had a lein placed on my account from a creditor by mistake. The creditor sent lien release letters immediately to Square block Inc. The representative of Square said the transfers would be available within a few hours at this point it has been XXXX days of them holding my daily deposits and its causing great harm to my business and personal finances. I am unable to p pay employees, vendors, utilities, and other lounge related to this business because of this hold. They are holding about {$25000.00}. The loan payment for the company that placed the lien is only {$500.00} a week. My company Name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I checked my credit report and discovered that i have an open credit card with JPMCB ; someone is using it, yet i have never received or applied for that card... its tel numbers ; XXXX... XXXX XXXX XXXX XXXX too, has an open credit card on my report. its tel ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: PA

Complaint narrative:
Issue with CASHAPP XX/XX/2026 I accidentally sent money {$100.00} to wrong usertag because tags are identical to the correct usertag XX/XX/2026 Requested refund of {$100.00} from wrong usertag XX/XX/2026 started dispute online and select option saying sent money to wrong person by accident XX/XX/2026 calledCASHAPP to verify dispute went through. Was told I have to wait 10 days ( not business days ). XX/XX/2026 XXXX declined refund XX/XX/2026 cashapp said they look more into XX/XX/2026 uploaded screenshot conversation of mine and correct XXXX XX/XX/2026 cashapp declined request to get money owed from wrong user tag said because transaction was already completed and the wrong usertag and correct usertag is the same person XX/XX/2026 appealed cashapp ruling XX/XX/2026 appeal declined XX/XX/2026 called cashapp again - sent to manager ( will contact via email only - no phone ) XX/XX/2026 - XXXX minutes later had a full review of my account by the manager and a cookie cutter email staying they can't reverse transaction XX/XX/2026 I responded how if they saw everything - like only XXXX transaction to wrong usertag and with multiple transactions to correct usertag? And how if I started everything within minutes of realizing the mistake requests and dispute was started? And how if you provide an option with sent money to wrong usertag? XX/XX/2026 got response saying I should double check usertags and names and numbers before continuing? XX/XX/2026 I called cashapp asking again to speak to a manager and requesting a call back. XX/XX/2026 - no callback just another cookie cutter email saying they can't do anything and how to prevent it from happening again XX/XX/2026 called cashapp requesting to speak to the person who sent me the most recent email and unable to speak with them for they don't have anyway to contact them nor will provide with addition info to speak with manager. XX/XX/2026 - contacting cfbc - all i am looking for is my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
On XX/XX/year>. I opened a high yield savings account with Capital One, I made a wire transfer from the Capital One app to take XXXX dollars from my XXXX XXXX XXXX account to my new Capital One account. 3 days later on XX/XX/year>, they started a reversal of the wire transfer. When I called and asked what was wrong, they said that the routing number was incorrect and it would take a few days to process the reversal of the wire transfer. So I waited and the money that had left my XXXX XXXX XXXX account never came back, I called both Capital One and XXXX XXXX XXXX. XXXX XXXX XXXX said that they can see the ACH transaction coming in, but since Capital One still doesn't have the correct routing number the reversal couldn't get completed. When I called Capital One, I asked to file a dispute regarding the reversal and provided the correct routing number. I waited for the dispute and yesterday on XX/XX/year>, Capital One told me that the dispute has been denied and gave no proper reason why the dispute was denied since I provided the correct routing number and they still own the transaction. I also appealed the dispute with Capital One. I asked for an email about why the dispute was denied and they said that they would, they have not yet provided it. So today, on XX/XX/year>, I am filing a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I am filing a complaint against Midland Credit Management , Inc., regarding inaccurate and unverified debt collection and credit reporting. I disputed this account and requested proper validation. The company responded with generic portfolio sale documentation that does not establish that my specific account was legally assigned to them, nor does it provide a complete chain of title, itemized balance, or proof of contractual obligation. Despite this, Midland Credit Management , Inc., continues to report this account to consumer reporting agencies. I also disputed the account with the credit bureaus, and the account was verified without any clear explanation of the method of verification or evidence reviewed. I believe this company is reporting and attempting to collect on a debt without providing competent evidence to support its accuracy or ownership. I am requesting that Midland Credit Management , Inc. : Provide proper documentation supporting ownership and the reported balance, OR Cease collection activity and request deletion of this account from all consumer reporting agencies I am maintaining records of all correspondence and am concerned about continued reporting of potentially inaccurate information. This complaint is not an acknowledgment of liability for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am requesting help regarding fraudulent charges on my Chime account totaling {$220.00}. Chime sent me a text message asking whether the charges were authorized by me, and I immediately responded that they were not. I then contacted Chime and filed a dispute. My dispute was denied. After that, I submitted additional proof, including the text messages showing that I told Chime the charges were unauthorized. Chime still denied my claim. I was then told to provide a police report. I submitted the police report as requested, but my dispute was denied again. I did not authorize these charges. I reported them promptly and provided all documentation requested. I am asking for reimbursement of the {$220.00} and a full written explanation of why my fraud claim was denied despite my timely report and supporting evidence.

Company response to consumer: Closed with explanation