vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TN

Complaint narrative:
Hi, During early morning hours of XX/XX/year> ( between XXXX and XXXX ), someone hacked my Chime ( XXXX XXXX ) debit card and used it to purchase $ XXXX worth of goods from XXXX. None of these transactions were authorized by me. It was clearly a scam because it 1 ) came out of nowhere, 2 ) happened in the early morning hours, and 3 ) happened in Arkansas, which is not where I live. Proof of this information is in the charges. I contacted my bank to dispute the charges two times and both times they denied the claim. This is unbelievable because it's obvious this was fraud. I even have proof I never made purchases on XXXX. Chime should have alerted me to the fraudulent attempts, and they normally do by sending an automated fraud alert text. I need some kind of legal recourse here. I can provide proof and did provide proof of several kinds to my bank and can do the same for you. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Date : XX/XX/year> Midland Credit Management , Inc. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Disputed Reporting, Debt Buyer Furnishing, and Accuracy Concerns To Whom It May Concern, I am formally disputing the reporting and furnishing of the above-referenced account and requesting a complete investigation into the accuracy, completeness, and legal basis of the information currently being reported and/or furnished. The enclosed evidence packet contains supporting documentation including : Full bureau reporting records Historical reporting snapshots Debt buyer reporting evidence Collection correspondence Address association evidence Prior dispute history XXXX comparison reporting evidence XXXX/ Midland account relationship evidence The enclosed materials raise substantial concerns regarding : Accuracy and consistency of reporting Debt buyer designation and furnishing Account status discrepancies Address association and personal information handling Reinvestigation procedures Reporting integrity across consumer reporting agencies Pursuant to the Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), and all other applicable federal and state consumer protection laws, I request that Midland Credit Management conduct a full investigation into this matter and cease reporting any information that can not be verified as complete and accurate. Please provide : XXXX. Validation and documentation supporting the reporting and furnishing of this account ; XXXX. Documentation evidencing Midlands authority to collect and furnish ; XXXX. Documentation evidencing chain of assignment/ownership ; XXXX. XXXX of all dates, balances, account statuses, and reporting fields currently furnished ; XXXX. Copies of any records relied upon during prior investigations or verifications. If any information is determined to be inaccurate, incomplete, misleading, or unverifiable, I request immediate correction or deletion of the tradeline and all related reporting. This correspondence is not a refusal to pay, but a formal notice of dispute and request for investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am traveling in XXXX and my Discover credit card was declined a few times when I tried to use it in XXXX stores to make small purchases. I called Discover customer service XXXX times to try to resolve the issue, and their representatives are very rude to me. The issue still persists afterwards, which is a huge inconvenience to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
This debt collector has engaged in unjustifiable and harmful practices prohibited under the Fair Debt Collection Practices Act. They reported and furnished an account that I never knowingly agreed to, signed for, or entered into under any lawful contract. A valid legal agreement requires participation and consent from both parties, and I did not participate in or authorize this alleged obligation. Not only has this caused damage to my credit and financial stability, but it has also created emotional stress, embarrassment, anxiety, and hardship in my daily life. Because of this account reporting, I have suffered difficulties trying to maintain housing, obtain credit, and move forward financially. I feel like my rights as a consumer have been ignored and abused. Furthermore, the collector failed to properly validate this alleged debt and did not follow the required validation procedures under the FDCPA. Despite my disputes and concerns, they continued reporting inaccurate and harmful information. According to the FDCPA, I am entitled to protection from these unlawful collection practices and may be entitled to compensation for the violations committed against me. I demand that this account be removed from my credit file immediately and that all collection activity cease unless proper legal validation can be produced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, Im seeking a free consultation regarding a bank impersonation scam involving an authorized wire transfer of approximately {$13000.00}. I received spoofed calls and voicemails from individuals claiming to be Bank of America fraud investigators and was manipulated into completing an in-branch wire transfer to what I believed was a secure account. I reported the fraud the same day, completed affidavits, and the bank attempted a recall, but recovery efforts were unsuccessful. Im trying to understand whether there may be any viable consumer protection, negligence, or banking-related claims worth pursuing, and whether my situation is something your office handles. Thank you for your time.

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 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Someone fraudulently used my card, possibly the merchant to charge my credit card and for the last 8 months I have tried to get Chase to reverse it. According to their own terms of service on the card, I am not liable for these fraudulent charges. They need to reverse them back to the merchant and credit my account. Date Merchant Name Transaction Amount XX/XX/year> XXXX XXXX {$740.00} XX/XX/year> XXXX XXXX {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Fundo LLC
State: CO

Complaint narrative:
This company FUNDO LLC put a lien on my XXXX XXXX account around XX/XX/year>. And when I contacted them via email and the customer representatives name XXXX XXXX and she says she is a paralegal collector. And she said I got a XXXX XXXX loan in XX/XX/year> for the amount of {$3800.00} and I could make a XXXX time payment and settle for paying {$1900.00}. But the thing is I never took out that XXXX XXXX and the XXXX XXXX XXXX that took it out is from XXXX Arizona with the adders of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. And me and this other person dont have the same middle initials and I live in Colorado XXXX And when I tried to tell XXXX this she said I had to send a picture of my drivers license or ID and send a copy of the police report that had to of been made around the time of XX/XX/year> - XX/XX/year>. And I tried to tell her that there was no police report made because they never send the documents about this XXXX XXXX to my home because it wasnt me and I never got a response back, Also I tried to call both numbers that were attached to her emails and XXXX said they were closed for summer and the other number said to leave a voice mail but it just seemed really sketchy. I can send a copy of the documents that she had sent me also.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IN

Complaint narrative:
I disputed a {$180.00} XXXX transaction that I did not authorize. I have never had a XXXX account or service. I contacted XXXX directly, and they were unable to locate any account associated with my information. Despite this, Chime denied my dispute within less than XXXX hours and stated no error occurred. I do not believe a reasonable investigation was completed. I am requesting that the financial institution provide the evidence used to determine the transaction was authorized and conduct a proper reinvestigation under the Electronic Fund Transfer Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Kriya Capital, LLC
State: DC

Complaint narrative:
Under FDCPA there are several violations that has been made by Credence Resource Management , LLC. The following violations are : Details of the Violation ( s ) : False or Misleading Representations section 1692e. The debt collector falsely claimed I owed a balance to T-Mobile that I had already disputed and/or was never substantiated. The debt collector failed to provide proper validation before continuing collection activities. Unfair Practices 1692f The debt collector engaged in unfair practices, such as attempting to collect fees or charges not expressly authorized by the original agreement or permitted by law. Communication with Third Parties section 1692c ( b ) If applicable, The debt collector improperly disclosed details of the alleged debt to third parties without consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: TN

Complaint narrative:
Someone fraudulently opened this clarinet account with my personal information in my pay card information. I had tried to work with a company to request this closed there were actually XXXX payments made and debited this is when I realized in researched where this was coming from. Had submitted all of the information XXXX requested however they keep failing to close the account or return my calls at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
I am a XXXX XXXX XXXX XXXX in Illinois. I am contacting CFPB to request oversight regarding what I perceive to be a severe, systemic student loan servicing and billing error by MOHELA that violates my rights as a borrower. To summarize : The Servicing Error & Resubmission : On XX/XX/XXXX, I requested a transition from the XXXX ' plan to a XXXX level repayment plan. MOHELA failed to process this request. I only discovered this months later and was forced to resubmit the transition request on XX/XX/XXXX. During that XXXX call, a MOHELA representative admitted on a recorded line that my original XXXX request was received but never executed due to internal negligence. My XXXX request has been processed, and my first payment is due XX/XX/XXXX. Communication Issues : As an XXXX frequently in the XXXX XXXX XXXX XXXX XXXX, I am physically unable to utilize XXXX XXXX callback ' system. They offer no scheduled appointments ; instead, they call back at random times when XXXX XXXX XXXX XXXX XXXX. When I missed these calls, I was forced to repeat the hours-long process of navigating automated menus. This system, combined with a non-functional secure messaging portal via all standard web browsers on a laptop ( I only recently discovered the portal works on a mobile phone ) creates a bad-faith barrier to dispute resolution. The Compromise & Refusal : I offered to accept an effective date of XX/XX/XXXX ( conceding a XXXX processing window that I was quoted ). I requested that my XX/XX/XXXX payment of {$10000.00} be retroactively re-allocated to satisfy the monthly installments for XXXX through XX/XX/XXXX, with the remainder applied to the principal. MOHELA refused, claiming it is 'impossible ' to backdate because they failed to generate a disclosure form in XXXX since no application was received. Again, MOHELA 's internal negligence prevented any application from being processed. They also refused a secondary remedy of a retroactive administrative forbearance and interest waiver for the same reason. All calls placed to MOHELA are recorded, and repeated requests for them to listen to the XXXX call where I requested in no unclear terms to transition my loan have been ignored. The Harm : MOHELA is citing its own administrative failure as a reason to deny a remedy. This forces me to pay interest at an incorrect rate ( 5.625 % vs. 5.375 % ) from XXXX onward, misallocates capital, and results in MOHELA profiting off me, all of which violate the Illinois Student Loan Bill of Rights.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-28 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:
Case # with Capital One : XXXX I have already submitted more than XXXX pages of documentation supporting my fraud dispute, twice, including evidence clearly demonstrating that the charges in question were fraudulent. Despite providing extensive supporting records, Capital One continues to respond with vague statements indicating that previously requested information is still missing, without specifically identifying what additional information is allegedly required. At this point, I believe I have fully complied with all reasonable requests related to this investigation. The documentation submitted includes substantial evidence supporting my claim and should be more than sufficient for Capital One to complete its review and issue the appropriate credit to my account pursuant to the protections provided under the Consumer Financial Protection Bureau and the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing a formal complaint against Wells Fargo regarding the abrupt closure of my personal bank accounts and to dispute any negative reporting to XXXX or XXXX XXXX XXXX XXXX XXXX XXXX. I have been a loyal customer for over 40 years ( since XXXX ). The closure was triggered on XX/XX/XXXX, by a misunderstanding regarding two checks deposited via the mobile app. The checks were made out to XXXX XXXX XXXX XXXX. As the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of this XXXX, I am legally authorized to handle all its financial affairs. Because I am the XXXX XXXX I mistakenly believed I could deposit these funds into my personal account and endorsed them with the business name, my name, and " For Deposit Only. '' On XX/XX/XXXX, I received an early morning email stating my accounts were closed. I called loss prevention numerous times attempting to provide an explanation and/or deliver documents of my XXXX. I now understand that Wells Fargo policy prohibits depositing business checks into personal accounts to avoid commingling. However, this was an honest administrative error, not an attempt at fraud. I was never given the opportunity to speak with an investigator, clarify my ownership, or present my legal business documentation before my accounts were terminated. While I accept that the deposits were rejected, closing my lifetime accounts and reporting me to interbank risk databases as a fraud risk is completely unwarranted. It severely damages my financial reputation over an operational misunderstanding. Furthermore, this automated closure unfairly penalized my XXXX daughter, XXXX XXXX. She held a linked youth account attached to my primary profile. Her account had absolutely no involvement with the LLC deposits, yet her account was summarily closed alongside mine. This has caused severe emotional and financial distress to a XXXX who has done nothing wrong.

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 2026-05-28 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: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
Hi Robinhood team, I have to say the dispute experience is pretty poor for the overall service you provide. The ability to attach documents etc on the site is limited so I provided a snapshot of part of the email because I couldn't add the full documents. Merchant : XXXX XXXX XXXX : {$980.00} Here is the reasoning and attached documents for the dispute of the full charge. The charge is for the XXXX of the flight Leg between XXXX to XXXX which was originally on XXXX XXXX ( see attached XXXX XXXX ). My flight from XXXX to XXXX was delayed due to a change in aircraft ( sole issue of XXXX XXXX ). this led me to miss my next flight which was a direct flight from XXXX to XXXX. I had even asked when the first delay happened to move me to another flight that was heading to XXXX from XXXX but was told this should all work out. However, the flight delay went from XXXX to XXXX hrs which led me to being rebooked to the flights below ( see XXXX XXXX XXXX. in addition, I had to spend XXXX hrs overnight in XXXX. the only flights options they had were either to XXXX or XXXX ( XXXX ) on XXXX XXXX in business and then to be downgraded to economy ( my original flights were premium economy on this flight ) or wait 2 days. I had paid for an upgrade to Business which is what I'm disputing but given half my flight was upgraded XXXX hrs from XXXX to XXXX but the remaining XXXX hr flight and added a XXXX layover in XXXX was XXXX to economy. this is not even the premium economy i originally had for this flight ( see attached itinerary - XXXX XXXX ). I have contacted XXXX XXXX but no push from them to understand the concern. what's worse is the agent told me I had premium economy on the flight from XXXX to XXXX but please see E-ticket and boarding pass ( which was plain economy ( from XXXX to XXXX ). with that in mind i would request for a full refund given that while half the leg was upgraded, the other half was downgraded to even a lower class ( and lied to ) than what i had originally paid for. the amount paid for the upgrade was XXXX XXXX- this is in addition to my original fare. at this stage i should be disputing more than this charge. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: FCI Lender Services Inc.
State: CA

Complaint narrative:
I am filing this complaint because I believe the mortgage loan I got from XXXX XXXX Lending and serviced by FCI Lender Services was done in an unfair and possibly fraudulent way. I need help because the lender is not responding to my dispute. 1. I believe some signatures on the loan documents are not mine There are documents with signatures that do not look like my real signature. This includes : A business-purpose certificate A lease agreement Other loan papers My wifes name and signature also appear on documents she never agreed to and can not read, because she does not read or write XXXX. 2. I was not mentally capable when the loan was made When I signed these documents in XXXX, I had recently suffered a XXXX. I was not fully able to understand what I was signing. No one explained the loan clearly or made sure I understood it. 3. The lender called this a business loan, which is not true The lender labeled the loan as a business-purpose loan, even though : I did not have any business I never asked for a business loan I do not have business income No business was operating at the property I think this was done so the lender could avoid normal consumer protections. 4. Some documents used the wrong address The lender used a different address for : A bank statement A mortgage statement A lease agreement This was not my real address, and I did not provide or sign anything using that address. 5. The servicer is not giving me the documents I asked for I sent several written disputes and document requests to FCI Lender Services. They only confirmed receiving them but have not provided : A full copy of the loan file Original signed documents Proof that I asked for a business loan 6. This loan is also in my active XXXX XXXX bankruptcy My bankruptcy case number is XXXX. The lender filed a claim in my case, and the disputed documents affect this claim. What I am asking CFPB to help with I am requesting that the CFPB require the lender and servicer to : Provide all original loan documents with real signatures. Explain why the loan was labeled as a business loan. Remove any charges or fees that were added unfairly. Correct the loan if there was fraud or mistakes. Stop collection activity while this dispute is being reviewed. What I am hoping for I can provide medical records, proof of my address, and copies of the documents with bad signatures. Thank you for reviewing my complaint. Name : XXXX XXXX Bankruptcy Case ( for reference ) : 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