vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I purchase some items fromXX/XX/XXXX on line and the package was stolen from my front door, I tried resolving it withXX/XX/XXXX and they are not refunding me my money its not fair that I pay for goods that never got received I need this issue resolved I never received a picture of the item being delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TapTap Send Inc.
State: CA

Complaint narrative:
I am writing to report unauthorized transactions on my visa card and to request immediate investigation and corrective action. I would like to bring to your attention that I do not possess an account with TapTap Send and have never utilized their services. Details of Unauthorized Transactions : There was a total of XXXX fraudulent transactions, all of which were made on XX/XX/XXXX. The total amounts to {$1700.00}. The details of each transaction are as follows : 1.- Description : XXXX TapTap Send XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Category : transfers Amount : - {$390.00} 2.- Description : XXXX TapTap Send XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Category : transfers Amount : - {$1.00} Transaction Memo XXXX Description : XXXX TapTap Send XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Category : transfers Amount : - {$390.00} XXXX Description : XXXX TapTap Send XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Category XXXX transfers Amount : - {$460.00} XXXX Description : XXXX TapTap Send XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Category : transfers XXXX : - {$230.00} XXXX Description : XXXX TapTap Send XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Category : transfers Amount : XXXX {$270.00} I confirm that I did not authorize these transactions, nor have I shared my card details with any third party. I request that you : 1. Initiate an investigation into the fraudulent activity. 2. Reverse the unauthorized charges. Please confirm receipt of this report and inform me of the next steps. I am available for any further information required to support your investigation. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Ascendium Education Group
State: MO

Complaint narrative:
I received this email on XX/XX/XXXX Borrower Defense Application # : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case Under Exhibit C of the Sweet v. Cardona Settlement Dear XXXX : You are receiving this letter because you are a member of the class of federal student loan borrowers covered by the recent settlement of the Sweet v. Cardona ( " Sweet '' ) lawsuit. You submitted a Borrower Defense to Repayment discharge application relating to your federal student loan ( s ) on or before XX/XX/XXXX, and you attended a school listed on Exhibit C ( " School '' ) of the settlement agreement. Pursuant to the Sweet settlement, the Department of Education will do the following : discharge your federal student loan ( s ) taken out for your enrollment in the XXXX XXXX XXXX ( " Relevant Federal Student Loan ( s ) '' ) ; provide a refund for any payments made to the Department of Education on your Relevant Federal Student Loan ( s ), including Relevant Federal Student Loan debt that you previously paid off ; and delete the credit report tradeline associated with the discharged loan ( s ). The benefits described in this message apply to your Relevant Federal Student Loan ( s ). The benefits do not apply to private loans. The discharge of your Relevant Federal Student Loan ( s ) means that you will no longer owe the debt. You also may receive a refund for prior payments made to the Department on your discharged loan ( s ) related to XXXX XXXX XXXX. Your loan servicer will let you know if you are eligible for a payment refund, which would be mailed to you. Please check your online account with your loan servicer to ensure your address is correct so you can receive any refund. Other than confirming your address, you do not have to take any further action to receive your discharge. Your servicer will send you more details about the discharge, including which loans will be forgiven. Your Relevant Federal Student Loan debt will remain in forbearance and collections will be stopped until you receive relief. Your credit report will also be updated to reflect this discharge when it is complete. If you have questions about this notice, please call our borrower defense hotline at XXXX from XXXX XXXX on XXXX or from XXXX XXXX on Saturday or Sunday. Sincerely, XXXX XXXX XXXX Operating Officer Federal Student Aid My servicer never reached out to me. I contacted them but they refused to speak with me only saying at the time that I owed them money. 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 — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint regarding my Cash App account, which was closed for an alleged violation of terms. I submitted an appeal on XX/XX/year>, and have followed up multiple times. Despite being told that my case is under review and would be resolved within approximately 10 business days, I have not received any final decision or clear communication regarding the outcome of my appeal. Instead, I have received repeated generic responses and multiple case numbers without resolution. My account remains restricted to withdrawals only, and I have not been provided with a definitive answer as to whether my appeal has been approved or denied. I am requesting a formal review of my case and a clear, final determination regarding my account status. Thank you for your assistance. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Sent a {$8000.00} domestic wire transfer on XXXX, funds left my account but recipient never received, and sending bank is unresponsive to my trace request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I attended XXXX XXXX XXXX The U.S.Department of Education has formally determined that XXXX XXXX XXXX XXXX widespread misconduct and approved group borrower defense discharges for affected students. My federal student loans related to XXXX XXXX were XXXX XXXX loans that were paid in full in XX/XX/year>, totaling approximately $ XXXX these loans were XXXX and paid off before the Department of Education announced relief, I did not receive automatic discharge or any refund.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: OH

Complaint narrative:
I was notified randomly about a collection of debt owed to XXXX XXXX XXXX in XXXX, FL not from the apartment complex itself but via XXXX dark web reports. This was an online phone digital app notification viewable through my credit account arriving to my email. This notification appeared secondarily after I received an unexpected notification from XXXX XXXX via email about a change in my credit score due to an outlying collection. This occurred on XX/XX/XXXX in the late XXXX hours EST. After investigating the report through XXXX accessible via XXXX XXXX XXXX account, there was no specific information listed about the amount owed until I scrolled through to the bottom of the notification indicating this outlying amount was third party generated through the fraudulent company Pro Collect , Inc. It simply listed a previous place of residence, XXXX XXXX XXXX without any other details categorizing the requested debt amount of {$200.00}. I immediately reached out to XXXX XXXX XXXX XXXX and awaited their reply to verify whether this was valid. They expectedly did not comply with my thorough request for a response about the outlying collection amount as they had no reason to do so given that the checkout process for the end of my lease was successful with {$0.00} remaining on my apartment balance at time of checkout on XX/XX/XXXX. I thereby decided to investigate Pro Collect Inc, and encountered this website indicating that I should file a report with a credit financial agency first, such as XXXX. I attempted to submit a request electronically yet was encouraged to call the agency to formally file a report about this fraudulent credit amount. I successfully submitted my dispute on XX/XX/XXXX and received a one week notification about the dispute 's submission. I have not heard back from XXXX Consumer Relations since their email on XX/XX/XXXX indicating it could take up to 30 days to receive a response. It has now been 59 days without a satisfactory resolution of this falsely generated collection. I see the default complaint on the consumer financial protection bureau webpage implicates this same company, Pro Collect Inc. I knew to file a report with the CFPB if I did not resolve this issue with a representative credit agency first within a 45 day period.

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: Vehicle loan or lease — Lease
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am submitting this complaint regarding a wrongful repossession and auction of my vehicle by Toyota Financial Services. Prior to the repossession, I contacted Toyota Financial Services and made a Quick Collect payment through XXXX XXXX. This payment was confirmed. After making the payment, I accessed my Toyota Financial Services account on my phone, which reflected a {$0.00} balance. Despite the confirmed payment and {$0.00} balance, Toyota Financial Services proceeded with repossession of my vehicle. At the time of repossession, I informed the towing agent of the {$0.00} balance. I was advised the vehicle remained on the repossession list because Toyota Financial Services had not updated their system, and the vehicle had to be taken. I relied on the payment confirmation and the account balance displayed. I had also followed Toyota Financial Services instructions to call when experiencing difficulty making payments and had been communicating regarding financial and medical hardship. I was dealing with serious medical issues, XXXX, and financial hardship as a single mother on medical leave. Due to these circumstances, my formal written dispute was delayed. I later learned that Toyota Financial Services sold my vehicle at auction despite the repossession being based on an account status that did not reflect my confirmed payment. I am disputing this repossession and auction as wrongful and am requesting : Investigation into the failure to stop repossession after payment confirmation Confirmation that my payment was properly credited Removal of any deficiency balance and all repossession/auction-related fees Correction and removal of negative credit reporting Written explanation of the error and resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
the company has requested my credit report three different time without my authorization

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: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
Money was taken from my account while I was in jail for 48 days. A total of XXXX was taken with out permission

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: TX

Complaint narrative:
I had to close my deceased sister account with Chime and they sent me her statements. When I initially check her card in XXXX there was about ~ {$2700.00} in her account. Based on the statements from Chime there was a deposit of into a Chime savings account. When I asked about this concern I never received a response or follow up. Amounts of {$520.00}, {$260.00} where transferred to a Chime savings account. ( An account I have no knowledge of ). {$1200.00} was moved to a Secured Deposit account. I dont understand how money could be transferred when my sister passed away on XX/XX/year>. They sent me a check for {$830.00}. I do not agree with this amount and theyre really unsupportive with handling this sensitive matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
I can't remember the exact date, but it was at least four to six months ago. I had a complaint that went to XXXX XXXX, NJ ( their headquarters ). Ever since then, there has been XXXX problem after the next. Aside from randomly closing out my last debit card for no reason, they have repeatedly disabled my debit cards right after I get paid, ensuring I simply can not access my funds over those weekends. And they target it! It is always a day or two after I get paid, and they always make sure that it is on a Friday night or Saturday morning that I have no access to my funds. I am a XXXX veteran and live on federal benefits. So, they're not only failing to adhere to their fiduciary obligations to a customer, but they're also obstructing government benefits and doing direct harm to a XXXX person. This repeated issue has caused me undue stress. Every day, I look over my shoulder and have to either worry about whether someone is going to come at me, or I have to worry about my bank having its cake and eating mine, too. Mentally, I just can not stomach it anymore! I've complained to them about this repeatedly, and it all falls on deaf ears. They " yes '' me to death, say they're " sorry '' as though that is an instant fix, and then do the same thing all over again right after payday! Bottom line- what do you call it when someone makes the same mistake repeatedly? It surely isn't called a " mistake '' anymore, is it? And when these " mistakes '' keep occurring at the same intervals ( this one being most obvious - I mean, right after payday? Can someone be more obvious with their targeting? ), they are no longer mistakes. And given that these issues did not begin until my first ever complaint went to XXXX XXXX, this is clearly civil retaliation - a violation of my civil rights. This needs to be stopped because they have no right to do what they have been doing to my family and me. I'm convinced this is malicious, but whether it is or not, they need to answer for it. They are denying my family and me the funding that we need for our own well-being. And if I can not buy groceries on a Saturday because TD found it necessary to put a hold on my card for no reason, they need to pay for it. They might as well walk up to my son, squeeze his jaw open, and pull food right out of his mouth with their bare fingers. Please help me, because aside from you guys and the XXXX ( they're about as ineffectual as they come ), I don't have much to work with.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
the company has requested my credit report three different times without my authorization

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
the company has requested my credit report two times without my authorization

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: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I closed my Capital One credit card account in XX/XX/year>. At closure, a balance of {$3.00} remained. I paid {$1.00} on XX/XX/year>, intending to pay the remaining {$2.00} using rewards points, but my rewards points were cancelled after account closure. Once I noticed this on XX/XX/year>, I immediately paid the remaining {$2.00}. Despite the balance being only {$2.00}, Capital One charged a {$3.00} late fee in XXXX, then an additional {$5.00} fee on XX/XX/year>, and another {$8.00} fee on XX/XX/year>. This means a {$2.00} remaining balance became {$18.00} in fees within two months after account closure. I contacted Capital One by phone on XX/XX/year> and spoke with customer service for approximately 13 minutes, but no relief was provided. This fee escalation appears disproportionate relative to the underlying balance and unfair in light of the account closure and attempted prompt resolution. I have seen a drop of XXXX points in my FICO score and I think this could be the main culprit. I kindly ask you take appropriate action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The late payments reported for XX/XX/year> & XX/XX/year> are inaccurate due to circumstances surrounding a documented financial hardship and a pending mortgage deferment/forbearance request at that time. During the period in question, I was laid off from my primary job and immediately contacted my mortgage servicer to request hardship assistance. My account was under active forbearance and review for deferment, and I was operating under the understanding that accommodations were being processed. As such, the reporting of late payments during this review period does not accurately reflect the nature of the situation. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a reasonable investigation into this matter. Please verify whether these late payments were reported correctly given the pending hardship assistance and, if not, remove or correct the inaccurate information. I have since resolved my hardship, regained employment, and resumed timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Avant Holding Company, Inc.
State: MI

Complaint narrative:
the company has requested my credit report without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am formally disputing several transactions on my account that I did not authorize. I did not send or approve the following transfers, and I do not know the individuals who received the funds : - XX/XX/year> {$1000.00} sent to XXXX XXXX. - XX/XX/year> {$100.00} sent to XXXX XXXX. - XX/XX/year> {$100.00} sent to XXXX XXXX. - XX/XX/year> {$250.00} sent to XXXX XXXX. - XX/XX/year> {$500.00} sent to XXXX XXXX. - XX/XX/year> {$1600.00} sent to XXXX XXXX I believe my account was compromised at the time these transactions occurred. During this same period, my account also shows deposits and reversals that I did not fully understand at the time : - XX/XX/year> + {$2500.00} ( XXXX deposit ) - XX/XX/year> + {$2500.00} ( XXXX deposit ) - XX/XX/year> - {$2500.00} ( reversal ) - XX/XX/year> - {$2500.00} ( reversal ) I am including these for context, as this activity occurred at the same time as the unauthorized transfers. Additionally, during this time I experienced repeated issues when trying to log into my account. I was being logged out and unable to stay signed in, which made it seem like someone else was actively accessing my account at the same time. I did not knowingly give anyone access to my account, nor did I intend to authorize any of these transactions. As soon as I became aware of the activity, I reported it. I am requesting a full fraud investigation into these transactions, including a review of login history, devices, and IP addresses used to access my account during this time. I would also like any unauthorized transactions to be reversed and my account balance corrected. Please let me know if you need any additional information. I am willing to fully cooperate with this investigation. Thank you.

Company response to consumer: Closed with explanation