vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: PA

Complaint narrative:
For over a year chime banking has charged me outrageous fees, for the deposit of my XXXX and XXXX into my chime checking account. They have been withholding these funds for now close to a year and have not deposit them into my account, they have charged me thousands of dollars in fees each time telling me that each be cleared it and that the same day the funds would be deposited never have they been deposited, I have lost interest I have lost money they still hold on to it they're not releasing it they keep wanting to charge me additional fees after thousands of dollars of fees which were unnecessary for a deposit that was a wire transfer from XXXX and XXXX into the chime account. I still have not received any of the funds and they are still asking for more fees and more self justifications without ever delivering on telling me that the money will be instantly there after each payment of the fees

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Send certified letter requesting validation of debt.Did not receive all requested documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
Waypoint is still reporting as a collection account to transunion even though they informed me through email that they have requested deletion on XX/XX/year>. this account is paid in full with the original creditor ( XXXX ). Waypoint account continues to come back verified on my XXXX report. This account is inaccurate reporting and needs to be deleted off my XXXX credit report.

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 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX, I sent a {$2200.00} payment through Cash App for the purchase of a vehicle. Immediately after the transaction on the same day, I realized the situation involved misrepresentation, as the seller did not properly transfer or deliver the vehicle. I do not have possession of the vehicle, and the seller still retains the keys and title while also keeping the {$2200.00} payment. I filed a dispute with Cash App on XX/XX/XXXX ( the same day as the transaction ) and also filed a police report regarding the incident. Since then, I have followed up multiple times with Cash App support but was not provided with a case number or any meaningful updates. Around 7 days after filing, I contacted support and was told to wait 10 business days. After that period passed, I contacted them again and was informed that the investigation could take up to 45 days, but still no detailed status or documentation has been provided. As of now, I have only received automated or generic responses stating that my dispute is under review, with no clear explanation of what actions have been taken, whether the recipient has been contacted, or whether any attempt has been made to recover the funds. This transaction involved clear misrepresentation, as I paid for a vehicle that I never received or had transferred to me in any capacity. I am requesting that Cash App conduct a full and transparent investigation, provide documentation of their findings, confirm whether any recovery efforts have been made, and issue a formal written response with a final determination. I am also requesting escalation of this matter due to the lack of communication and the financial impact of this {$2200.00} loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have contacted Ally Auto Finance XXXX XXXX XXXX varuios times on XXXX XXXX and beyond to recover the XXXX XXXX XXXX in front of my home at XXXX XXXX XXXX XXXX, XXXX for XXXX XXXX and I haven't receive a confirmation on vehicle pick up by Ally third party XXXX XXXX for XXXX XXXX for Morning hours. Since AllY Auto Finance Administration doesn't want to provide me a affordable monthly payments of {$300.00} a month on ALLY Fraudalent Loan I am respectfully returning the XXXX XXXX XXXX vehicle on XXXX XXXX and I will be outside of my home to return vehicle and sign the vehicle release with no added charges on return and any collection debts after Ally sells the vehicle at a Aunction, etc. This vehicle could have ended my Life because of ALLY third parties shutting the power of vehicle by tampering with GPS that was installed at XXXX XXXX XXXX XXXXXXXX, XXXX on XX/XX/XXXX when vehicle was purchase for {$33000.00} dollars and I wasn't able to sell vehicle because ALLY wants {$33000.00} dollars in return. So, Respectfully I am returning vehicle with only XXXX miles on Odometer with no engine issues or damages issues and vehicle is in excellent condoitiion as I maintained vehicle with all maintance at XXXX XXXX and XXXX XXXX XXXX XXXX. I am respectfully XXXX XXXX and Retired.and a XXXX XXXX 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 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
1 am a university student and a hobbyist collector of XXXX XXXX XXXX trading cards. Recently, I sold a few high-value cards from my personal collection to other collectors. These were my first-ever selling transactions on a PayPal account XXXX have held for over two years. PayPal immediately placed a permanent limitation on my account, citing " potential risk. '' | have proactively provided PayPal with comprehensive proof of these transactions, including : Proof of Possession : Photos of the specific rare cards sold ( e.g., XXXX parallels ). Shipping Evidence : Screenshots of shipping labels created via XXXX and active XXXX tracking numbers showing the items are in transit to the buyers. Transaction Context : Full chat transcripts with the buyers showing the agreement of sale and the exchange of shipping information. Despite providing this documentation, PayPal agents refused to review the evidence, refused to provide a specific reason for the ban, and refused to escalate my case to a supervisor. They are currently withholding my funds for XXXX days. I am not a business ; l am an individual selling personal property. I am requesting a manual review of my documents and the immediate reinstatement of my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
I am submitting this complaint regarding a collection account that remains on my credit report despite my prior dispute and request for validation. I previously disputed this account and formally requested that the collection agency provide proper validation of the alleged debt. However, the information provided was either insufficient or did not meet the requirements for proper validation under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). At no point have I been provided with adequate documentation to establish that I am legally obligated to pay this debt. Specifically, I have not received a signed agreement, contract, or any documentation that clearly verifies the origin, amount, and ownership of this account. Despite this, the account continues to be reported on my credit file, which I believe constitutes inaccurate and unverified reporting. Under the FCRA, only accurate and verifiable information may be reported to consumer reporting agencies. Because this account has not been properly validated after my dispute, I am requesting the immediate deletion of this collection account from my credit reports with all consumer reporting agencies. If the collection agency is able to provide proper and complete validation as required by law, I request that such documentation be provided to me directly. Otherwise, I expect this account to be removed without further delay. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I am submitting this complaint regarding a collection account that remains on my credit report despite my prior dispute and request for validation. I previously disputed this account and formally requested that the collection agency provide proper validation of the alleged debt. However, the information provided was either insufficient or did not meet the requirements for proper validation under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). At no point have I been provided with adequate documentation to establish that I am legally obligated to pay this debt. Specifically, I have not received a signed agreement, contract, or any documentation that clearly verifies the origin, amount, and ownership of this account. Despite this, the account continues to be reported on my credit file, which I believe constitutes inaccurate and unverified reporting. Under the FCRA, only accurate and verifiable information may be reported to consumer reporting agencies. Because this account has not been properly validated after my dispute, I am requesting the immediate deletion of this collection account from my credit reports with all consumer reporting agencies. If the collection agency is able to provide proper and complete validation as required by law, I request that such documentation be provided to me directly. Otherwise, I expect this account to be removed without further delay. Thank you for your prompt attention to this matter. Sincerely, 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 2026-04-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Climb Credit Inc.
State: CA

Complaint narrative:
Complaint Against Climb Credit Regarding XXXX XXXX I am filing a complaint regarding a private student loan issued by Climb Credit for a XXXX training program. I was informed that I had 12 months to complete the program. However, during my enrollment, the curriculum was restarted/changed, which disrupted my ability to complete the program within that timeframe. This significantly impacted my progress and effectively reduced the time I had to complete the course. Additionally, I lost access to the program ( including course materials and communication platforms ), which made it impossible to continue or finish the training as originally agreed. Despite this, Climb Credit is still holding me responsible for the full loan balance, even though I did not receive the full benefit of the program I financed. I believe this is unfair and potentially deceptive, as the terms of the educational service were not fulfilled. I am requesting : - A full investigation into the relationship between Climb Credit and XXXX - loan discharge or cancellation due to failure of the program - Documentation showing how Climb verified program completion requirements and delivery I have attempted to resolve this directly but have not received a satisfactory response. This situation has caused financial hardship, and I believe I should not be held responsible for a loan tied to a program that I was unable to complete due to circumstances outside of my control. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My name is XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX Credit card : GM Rewards Mastercard as Barclays It started as fraud case on XXXX XX/XX/year> I talked the company multiple times to fix the case that i never used. They told me that i was not responsible and i was waiting for investigation. After investigation, they only credit back fraud balance to me. They charge {$250.00} as late fees and interest charge.

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 2026-04-12 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On the night of XX/XX/year>XXXX I was robbed at knifepoint at my motel room and was cohersed to give all my wallet, id, cards, pin numbers, account passwords to the robbers who then proceeded to empty my account of about XXXX $ with them having the correct pin numbers to access the cards anywhere, I escaped my motel and was panicking that they were gon na come to my house because I had given them my house keys and address thinking they were going to kill me.I waited and then early the next morning of XX/XX/year>XXXX I called the police who came to my house and filed a official report that they didn't follow up on, I also proceeded to call Wells Fargo and freeze my cards as well as file a claim against the fraudulent charges that emptied my checking account after the last purchase known being of the motel room on the XXXX, Wells Fargo then told me a few days later that all the transactions were correct and that they contacted the merchant and there appeared to not be any fraudulent charges, I tried to tell them that I was in fear of my life that's why I gave the robbers my pin but Wells Fargo just asked me to send a PDF of the police report in which I did, they haven't contacted me back and the fraudulent charges were not reimbursed to me and now my life will be ruined due to the lack of stolen money, I'm going to lose the place I live because of this And Wells Fargo isn't helping further investigate anything.Please please help me let Wells Fargo see that there was an official police report of the robbery and that it did 100 % actually occured, the police didn't follow up so I don't think the motel footage that showed me actually being robbed at knifepoint will still be available, the police should have looked into it when I filed the incident but the police report should be enough evidence that I was actually robbed and that all charges after the purchase of my motel that night were completely fraudulent, thank you please don't let them do this to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On Monday, XX/XX/XXXX, I applied online to open a new Capital One business checking account. After filling out and submitting the application, I was immediately approved for the account. I was able to log in with online credentials, see my account numbers, and make transactions. I have screenshots to prove that my account was in fact approved. Then on Tuesday, XX/XX/XXXX, I received an email saying that my account had been restricted due to " unusual activity. '' The email said I should call a certain number to " verify details needed to unrestrict your account. '' On Wednesday the XXXX, I called, and the bank representative I spoke with could not tell me why my account was restricted, nor could she tell me when it would be unrestricted. She told me to call again, this time a different number, and speak with the business department. On Friday the XXXX I called again, and this time a representative told me I would need to submit " additional documents '' in order to have my account opened. I told her that the account already WAS opened and approved, and that any additional documents should have been requested during the application process. But, to gain access to my account, I said I would submit whatever was requested. But she STILL COULD NOT tell me what actual documents I needed. She only said that the " back office '' was working on it, and they would call me when they knew what they needed from me. She gave me no timetable for this, no contact information for someone I could talk to, or anything like that. Today is Sunday the XXXX, and I still have no access to my account. So, to summarize the situation : 1. Capital One approved my new account, then restricted it without explanation. 2. I have made multiple calls yet received no actionable guidance. 3. I have not received any request for documents despite being told that more info is needed to open my ( already open! ) account. 4. No timeline has been provided for any next steps I need to take, or when I can expect to hear from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: GA

Complaint narrative:
I have a medical debt on my credit that do not belong to me for {$620.00}, from Assetcare LLC. Someone opened the account up in 2025, of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: HW Holding, Inc
State: OH

Complaint narrative:
The address listed on the documentation ( XXXX XXXX ) is not my address and I have never lived there. Because of this, I did not receive any prior collection notice referenced in your response. This means I was not properly notified of the debt and was denied my right to dispute it in a timely manner. Additionally, this raises concerns about the accuracy of the account and whether it is properly attributed to me. I am requesting full verification tying this debt specifically to me and my correct address, including a signed lease, move-out inspection, and proof of damages. If accurate verification can not be provided, this account must be removed from my credit report immediately due to inaccurate and improper reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/XXXX, I suffered a documented workplace injury that left me unable to work. Due to the sudden and involuntary loss of regular income and transition to workers compensation/disablity payments, one payment was missed on my Chase Freedom credit card in XX/XX/XXXX. Prior to this injury, I maintained a perfect payment history on this account and have been Chase customer since XXXX - no late payment of any kind. This single missed payment was entirely caused by documented medical hardship and not due to negligence or unwillingness to pay. XX/XX/XXXX I called Chase customer service to request a one-time goodwill remove of the XX/XX/XXXX late payment given the hardship circumstances. Chase refused and stated they do not grant goodwill removal. Chase refused to give a mailing address to send a a formal written request or an alternative method, completely blocking any further avenue to formally dispute the matter. I filed disputes with all three credit bureaus- XXXX XXXX XXXX XXXX - citing hardship circumstances. All three refused removal. We are requesting that Chase reconsider and grant a one-time goodwill removal of XX/XX/XXXX late payment given the following : the payment was missed due to a documented involuntary workplace injury, the account has a perfect XXXX year payment history, this is an isolated single incident, and Chase has refused every reasonable avenue for the consumer to formally request resolution. I am fully willing to provide all supporting documentation as proof, including workers compensation paperwork confirming XX/XX/XXXX injury and any additional evidence requested to support this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio recovery is trying to collect a debt from XXXX XXXX XXXX account # XXXX Both are reporting the same amount on my credit report according to 15 USC 1681 cant report the same amount owed on 2 different companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
In XXXX of this year, I opened the credit card ( Barclays ). XXXX weeks later they advised me I had fraudulent charges and were blocking my acct. they asked me for proof of who I was. Requested copy of my drivers license, SS #, and current utility bill. I provided all that and they declined to accept my utility bill saying it was not current, which it was Ever since, they do not allow me to access my acct, will not send a paper bill, and call me at least 5 times a day only to tell me I can not access my acct. they did nothing about fraudulent charges, but instead are billing me for them and want me to pay by phone with no proof of who Im Paying or if theyre actually legitimate. Now they have reported me as delinquent for not paying something I have no clue that id be paying. I have tried dozens of times to talk to them and tell them I need access only to have them hang up on me. I do t know what else to do so I am reaching Out to you

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