vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am disputing a charge of {$1000.00} for XXXX XXXX purchased from XXXX XXXX XXXX XXXX XXXX XXXX XXXX using my debit card. The airline ceased operations and filed bankruptcy prior to my scheduled travel date of XX/XX/XXXX. As a result, the purchased transportation service was never provided. No refund was issued. The airline publicly instructed customers to contact their card issuer for refunds. I filed a dispute with Navy Federal Credit Union and provided documentation, including booking confirmation and proof that the airline ceased operations. The initial dispute was closed without provisional credit or adequate explanation. I then requested a second review, at which point provisional credit was issued. However, that credit was later reversed with the determination that I received the service. This determination is incorrect. A ticket is not the service ; the service is transportation, which was never provided due to bankruptcy. This dispute qualifies as services not rendered due to merchant insolvency. The merchant is no longer operating and can not fulfill the service or respond. Additionally, removal of the provisional credit has caused my account to become overdrawn, resulting in financial hardship. I am requesting reversal of this charge and correction of the dispute handling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
To Whom It may concern, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: CA

Complaint narrative:
On XX/XX/XXXX, I made a legitimate transaction using my Cash App card on XXXX. Immediately after this transaction, several unauthorized charges appeared on my account, including a subscription charge from a service called XXXX. I did not authorize this subscription. I have evidence that the account associated with this subscription was created using a completely different email address ( XXXX ), which does not belong to me. I have no access to or association with this account. I did not create, access, or cancel this subscription, as it is not associated with my email or identity. These charges occurred within minutes of my XXXX transaction, which strongly indicates that my card information was compromised or used without my authorization. I immediately locked my Cash App card and reported the issue. Despite my prompt action and multiple dispute attempts, Cash App denied my claims and has now refused to accept further appeals. They also failed to provide any evidence showing that I authorized these transactions. I requested information explaining how these transactions were determined to be authorized, including proof of authorization and merchant verification, but this information was not provided. I did not authorize these charges, did not benefit from them, and the associated account is not mine. I am requesting : - Full reimbursement of all unauthorized transactions - A proper investigation under the Electronic Fund Transfer Act ( Regulation E ) - A clear explanation of how these transactions were determined to be authorized I work hard for my money and should not be held responsible for fraudulent activity conducted through an account that does not belong to me. This is my final escalation after Cash App refused further appeals. I am seeking immediate resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I am following up regarding dispute reference number XXXX involving {$650.00} sent from my account under fraudulent circumstances. One transaction for {$250.00} and the other transaction for {$400.00}. XX/XX/26 {$250.00} was sent XX/XX/26 {$400.00} was sent today I was deceived into sending this payment under false pretenses. This is a case of fraud, not a legitimate authorized transaction. I am extremely concerned that Chime has refused to initiate any recovery efforts, including declining to contact the receiving account or attempt a reversal request. At minimum, I am requesting that Chime make a good faith effort to recover the funds and investigate the recipient account for fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Because of all the disputed transactions involving XXXX and their services, I closed the credit card and XXXX account in XX/XX/XXXX. All of last year and the start of this year, the account shows a credit balance of {$90.00}. On XX/XX/XXXX ( after numerous phone calls ), the account indicates a {$90.00} credit was sent to me, did not. XX/XX/XXXX statement indicates a debit for an XXXX payment dated XX/XX/XXXX in the amount of {$38.00}. The Chase credit card and the XXXX account linked to it was closed in XXXX. Now they are charging late charges on the {$38.00} balance even though the card shows closed, I have not had a physical card since XXXX. The account is closed, should have no activity and no charges. I should receive a refund for {$90.00}. I am sure I am not the only consumer going through this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: KEYCORP
State: OH

Complaint narrative:
I am a signatory on the KEY BANK HELOC, BUT the bank never tells me anything about it when I go into branches or call. They say, 'sorry XXXX XXXX is the only XXXX on this ' he is my husband. BUT I am a signatory so what they are doing is illegal. Do they want to get sued?! address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, I was the victim of a targeted phishing scam that resulted in an unauthorized electronic fund transfer of {$490.00} processed through my PayPal account. Scammers impersonated an online marketplace to compromise my session and fraudulently establish a hidden billing agreement with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The scammers immediately pushed through an unauthorized charge of {$490.00}. This consisted of {$80.00} drained directly from my PayPal balance, and {$410.00} pulled from my linked bank account. Timeline and Actions Taken : XX/XX/year> : I reported the {$490.00} transaction ( Transaction ID : XXXX ) to PayPal as unauthorized fraud. PayPal denied the claim, stating it was processed via a billing agreement, and closed the case. XX/XX/XXXX- XX/XX/year> : I contacted the merchant of record ( XXXX XXXX XXXX XXXX XXXX XXXX Following their internal review, the merchant 's support team provided me with written confirmation acknowledging that the account creation on their end was " unauthorized. '' They terminated the fraudulent account and instructed me to file a police report. XX/XX/year> : I filed a federal internet crime complaint with the FBI ( IC3 Submission ID : XXXX ). XX/XX/year> : I appealed PayPal 's denial. I informed them I had new, written evidence directly from the merchant confirming the fraud, as well as an official FBI report. XX/XX/year> : PayPal summarily denied the appeal. Instead of reviewing the new evidence and investigating the unauthorized access under Regulation E, PayPal improperly reclassified my fraud claim as a " Purchase Protection '' dispute. They then issued an automated denial stating that the transaction is ineligible for Purchase Protection. PayPal is in violation of the Electronic Fund Transfer Act ( Regulation E ). They are using automated systems and improper case classification ( Purchase Protection ) to avoid their legal obligation to investigate an unauthorized electronic fund transfer. I have written documentation from the receiving merchant explicitly admitting the transaction was unauthorized, yet PayPal refuses to conduct a manual review. I am requesting the CFPB compel PayPal to review my evidence and reverse the unauthorized {$490.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: PA

Complaint narrative:
My phone and wallet were stolen on or around XXXX XXXX. At the time, my wallet contained my debit cards and written PIN information, which I now realize was a mistake. After the theft, unauthorized transactions were made on my account without my permission. As soon as I became aware of the issue, I contacted the company to report the fraudulent activity and requested an investigation and refund. I did not authorize any of these transactions and did not benefit from them in any way. The company denied my dispute and failed to provide sufficient explanation or evidence showing that I authorized the transactions. They also did not properly consider the fact that my phone and wallet were stolen at the time of the activity. I am requesting that the company conduct a proper investigation into these unauthorized transactions and reimburse me for the full amount that was taken. I am willing to provide any additional documentation, including transaction screenshots and any available reports, to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
XXXX XXXX has a XXXX XXXX option for applying for loans. Applied for loan thinking it was guaranteed and was ultimately denied the loan. This effected my credit score and I lost time dealing with the loan company One Main Financial. If I thought I would be disapproved I never would have applied. Applied for loan XXXX XXXX XXXX XXXXXX/XX/year> Denied for loan XXXX XXXX XXXXXX/XX/year> Also when in process of said lending One Main Financial XXXX XXXX XXXX stated " they are not affiliated with XXXX XXXX '' I applied through credit karma so therefore One Main Financial has to affiliate with XXXX XXXX in some entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
am filing this complaint against Bank of America regarding my XXXX XXXX prepaid debit card account. My account was frozen due to alleged fraud, and I have been unable to access my court-ordered remediation funds.

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 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc.
State: AZ

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated and how your company obtained it. XXXX. Any agreement, application, signature, contract, or document that links me to the account. XXXX. Proof your company is authorized and licensed to collect in my state, including registration details. XXXX. Any notices or communications you claim you sent before reporting the account to the credit bureaus. XXXX. The identity and address of the original creditor, along with the original account details. XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
I am filing a complaint against TD Auto Finance regarding inaccurate credit reporting. TD Bank NA filed a lawsuit against me in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX following a court trial, the Court denied TD Banks claim. The Court explicitly found that TD Bank failed to meet its burden to prove jurisdiction or the existence of a binding contract. The Court found me to be the prevailing party and awarded no damages. I sent TD Auto Finance a formal written dispute, including certified copies of the courts Minute Order and Register of Actions. TD Auto Finance has failed to respond and continues to report this account with a balance and charge-off status. TD Auto Finance is currently reporting a balance of approximately {$25000.00} on this account and listing it as in collections/charge-off status. Despite a court ruling that TD Bank failed to establish a binding contract or enforceable claim, TD Auto Finance continues to report this account as a valid debt. This reporting is materially misleading and inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Interest rate
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
This is a follow-up complaint ( XXXX ) regarding an XXXX eligibility determination that was previously denied. In my prior submission, I provided documentation including my XXXX, XXXX orders, XXXX XXXX, and XXXX XXXX. However, I have now obtained additional documentation that directly proves my duty status at the time of loan origination. Attached are my Leave and Earnings Statements ( LES ), which show : XX/XX/year> LES reflects XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows the start of XXXX XXXX entitlements ( XXXX ) beginning XX/XX/year> This aligns with my XXXX orders and XXXX memorandum confirming that my XXXX XXXX service did not begin until XX/XX/year>. My loan originated on XX/XX/year>, prior to entering XXXX XXXX, and therefore qualifies for XXXX protections. The prior denial appears to rely on incorrect interpretation of XXXX data reflecting my XXXX XXXX XXXX XXXX XXXX XXXX XXXX, not my actual duty status. I am requesting a reconsideration based on this new documentation, which clearly establishes that I was not on XXXX XXXX at the time of loan origination.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In early XX/XX/year> I opened a second personal checking account a savings account and a business account online with TD Bank Shortly after opening these accounts I also deposited a check into my existing TD Bank personal account using mobile deposit After these actions all of my accounts were suddenly locked including my online banking access and my accounts were frozen I was unable to access or use any of my accounts I contacted TD Bank fraud department and was instructed to visit a local branch to verify my identity and complete required forms I then went to the TD Bank XXXX branch on XX/XX/year> where a banker assisted me with the verification process The staff at the branch were very helpful and explained the situation clearly The banker who helped me was named Jade She was extremely nice and helpful and another staff member also assisted her while they were both sitting at a computer working on my account verification At the branch I did fill out the paperwork they asked me to sign XXXX told me that the fraud department would review the information and that my online banking and accounts would be restored after the review is completed XXXX basically told me that anyone who is a new customer former customer or current customer who opens a new account or additional account online their accounts online banking and debit cards may be flagged and frozen until they are verified by branch staff I understand that TD Bank is acting to protect customers and prevent fraud However it is unclear what the purpose is of allowing people to open accounts online if accounts may still be frozen until in person verification is completed Based on what I was told it seems that new or additional online account openings may result in full system access being temporarily restricted until verification is completed at a branch My recommendation is that if this is the process online applications for additional accounts should instead require completion in person at a branch from the beginning where the customer can be verified and the account properly opened without unnecessary account freezes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
My name is XXXX XXXX, and my email address is XXXX. Through this letter, I wish to report a scam I have fallen victim to. The transactions detailed below were made in exchange for offered serviceswhich included license plate registration, change of ownership, and other XXXXrelated proceduresyet no services were ever received : XXXX. On XX/XX/XXXX, a payment of {$270.00} to XXXX XXXX. XXXX. On XX/XX/XXXX, a payment of {$150.00} to XXXX XXXX. XXXX. On XX/XX/XXXX, a payment of {$850.00} to XXXX XXXX. XXXX. On XX/XX/XXXX, a payment of {$160.00} to XXXX XXXX XXXX. To date, I have received neither a response nor the promised services. Although I possess limited evidence because the individual in question has blocked me, I do have proof of the transactions, including the phone numbers and email addresses of the individuals to whom the funds were sent. I request that a formal investigation be initiated and that a resolution be provided to me as soon as possible. I appreciate your attention to this matter and look forward to your response. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation