vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
On or about XX/XX/year>, the law firm representing Velocity Investments LLC filed a lawsuit against me and submitted a Proof of Personal Service claiming that I was personally served. This statement is false. I was never personally served, no one attempted to identify me, and no documents were delivered to me directly. Instead, documents were allegedly left outside a gated apartment complex without any contact, acknowledgment, or proper substituted service. On XX/XX/year>, I contacted the law firm in writing to notify them that service was defective and that their proof of service was inaccurate. They acknowledged the issue and stated they would investigate with their process server. Despite this, no correction was made with the court, and the false proof of service remains on file. As a result, I have been placed at risk of a default judgment without proper notice or opportunity to respond. I was forced to file a Motion to XXXX XXXX of Summons due to their failure to properly serve me and their continued reliance on inaccurate court filings. This conduct constitutes a material misrepresentation and improper use of the legal system to attempt to establish jurisdiction without valid service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
At the end of XX/XX/XXXX, I moved out of my apartment due to XXXX XXXXXXXX XXXX XXXX military orders. I gave notice, left the keys in the drop box because the office was closed, and called the next day to confirm they were received. I was told yes. Later, I discovered my credit had been negatively impacted after the company claimed I owed {$4000.00} in rent and fees through XX/XX/XXXX. I dispute this because I had already vacated by the end of XX/XX/XXXX. Their records are inconsistent, showing XX/XX/XXXX move-out activity and photos dated XX/XX/XXXX and XX/XX/XXXX, yet later stating notice and move-out occurred XX/XX/XXXX, while also claiming no notice was given. The photo records are inconsistent because similar photos of the same areas of the apartment appear under XXXX different XX/XX/XXXX dates. It is unclear whether those dates reflect when the photos were actually taken or when they were later uploaded, which directly affects the timeline being used to support the charges. Their lease references military protections, including the Servicemembers Civil Relief Act ( SCRA ), and limits charges to damages beyond normal wear and tear, yet routine cleaning fees were assessed. I submitted my military orders multiple times. I physically provided my original orders, later re-submitted them after being told they were misplaced, and also provided updated orders when requested, yet no meaningful action was taken. For nearly XXXX years, I was repeatedly told the account would be reviewed and I would receive an update, but no final response was ever provided. Most recently, on XX/XX/XXXX, I was told a resolution would be provided that day. On XX/XX/XXXX, I received an apology for the delay and was told I would receive an update by XX/XX/XXXX, but no response was provided. I am currently XXXX, making in-person visits difficult. My emails have gone unanswered and I have been disconnected during phone calls. The company stated they can not locate my notice and do not keep a key log. Any inability to locate internal records regarding notice, keys, surrender, inspections, or account activity should not be used against me or relied upon to assess charges I do not owe. I am requesting immediate investigation, correction of the {$4000.00} balance, removal of any inaccurate collections or credit reporting, and written documentation supporting all charges.

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 2026-04-22 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: TX

Complaint narrative:
Today I although having submitted a all the legal documentation asked for letter of incarceration police report and everything else I received notification that all though I have provided this evidence as proof I did not conduct these unauthorized transactions/transfers I am being denied the protection and reimbursement of theese funds I am being told no error occurred. I was incarcerated during the time my veterans compensation benefits were completely spent which has left me in a position of extreme financial hardship I am now facing eviction homelessness I am unable to purchase food because of the neglect and carelessness of this institution which did not protect me from theese unauthorized transactions a criminal cases is now being prosecuted with the defendant having been arrested and presently incarcerated at the moment I right this over XXXX of My VA compensation benefits has been stolen and the bank responsible for the protection and security of my assets is refusing accountability despite all evidence supporting this I am requesting help and assistance they respond to your institutions complaints with scripted messages made in advance and using regulatory laws to hide behind there neglectful practices are hazardous predatory and dangerous CHIME just so recently settled a XXXX class action lawsuit for intentionally prolonging customer disputes beyond the XXXX days allotted for them simply to be denied in closing this institution has an overwhelming track record including a XXXX class action lawsuit in which its own customers were denied account access CHIME has an overwhelming track record of conducting itself however it wishes despite the CFPB best efforts to hold it accountable only I understand this is only XXXX complaint in a very large pool however my wish is this consumer based institution hold this entity responsible for its blatant disregard for our norms and make them do the work of protecting its customers in the same manner they protect there accounts chime asked me to file a police report submit documentation etc all of which I did and they still refuse to assist XXXXXXXX XXXX service connected veteran and a chime member since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Exto Inc.
State: FL

Complaint narrative:
So I recently applied for a atlas credit card they advertise that if you do not get approved for a unsecured credit card but they will give you {$50.00}. They also advertise a {$1000.00} sign up bonus. I applied and to my surprise they said I was approved but upon activating my account when I was given my available credit limit of {$10.00}. This {$10.00} limit already had a {$8.00} fee charge to the account. Which is a joke and it is just so they do not have to pay you the {$50.00} I believe. Their sign up bonus has many stipulations one of which being you must spend {$50.00} a week for the first XXXX weeks it's your account is open. I am not sure how you're supposed to do that with a {$10.00} limit. I believe this is a bait and switch and this company should have to pay the {$50.00} that they advertise they will pay if they do not approve you because {$10.00} is in no way and unsecured credit card limit especially when there's {$8.00} already charged to it. So both of their promises in their advertisement of an unsecured credit card or {$50.00} if you are not approved, and their {$1000.00} sign up bonus are both lies because they are both unattainable with their stipulations and a {$10.00} limit just so they don't have to pay the XXXX this is a bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX have all violated my rights as a consumer under the FCRA 15 USC 605B. I need these items blocked and removed from my report as soon as possible.

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 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate, inconsistent, and potentially unverifiable information currently appearing on my credit reports maintained by Experian, Equifax, and TransUnion, including incorrect personal identifying information and derogatory tradelines that are being reported inconsistently across all three bureaus in violation of the Fair Credit Reporting Act ( FCRA 607 ( b ), 611, and 623 ) ; specifically, multiple inaccurate addresses are being reported across all three bureaus, including variations of XXXX XXXX XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, with inconsistent formatting and discrepancies that may lead to mixed or incomplete file reporting ; additionally, several charge-off accounts, including XXXX ( balance {$3500.00} ), XXXX ( balance {$8600.00} ), XXXX XXXX XXXX XXXX balance {$1000.00} ), and XXXX XXXX XXXX XXXX balance {$27000.00} ), are being reported across all three bureaus with inconsistent naming conventions and formatting variations, raising concerns regarding proper account matching, verification, and reporting accuracy, while XXXX XXXX appears on Experian only with a {$0.00} balance, further indicating inconsistent reporting ; furthermore, multiple collection accountsincluding XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and additional accounts on TransUnion such as XXXX XXXX ( XXXX XXXX ) are being reported with differing creditor names, duplicate entries, and inconsistent balances or listings across the three bureaus, which strongly suggests that the same underlying debts may be reported multiple times or without proper verification and synchronization, thereby materially misrepresenting my credit profile and failing to meet the requirement of maximum possible accuracy under federal law.

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 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/year> I went in to Wells Fargo located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX to deposit a check. This check was for a business quarterly distribution so it was fairly large. The teller after digging through my account for a few minutes says she needs a manager approval to deposit the check. Manager comes over and tells me that the business name on the check looks off. She says that the name is not in the same spot as the previous one. Believing was she told me, I told her that was odd and that I would have that looked into by our accounting team. I went back and looked at the previous check to compare them and it was identical to this one. This is not the first time this has happened. It also happened at this same location on XX/XX/year>. Im being discriminated against for being XXXX. Wells Fargo doesnt believe that XXXX clients have money or businesses so when one XXXX large check, they believe its stolen or counterfeit.

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 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I was contacted by an individual who falsely claimed to provide tattoo services. I paid them through my account, believing I was booking a legitimate tattoo appointment. After payment, I learned that the person was not actually a tattoo artist and misrepresented themselves. I believe I was a victim of fraud. I did not receive the service I paid for. I previously reported this issue to Chime, but my dispute was denied and my account was closed. I was also told the transaction was not eligible for a refund without a clear explanation. this is unacceptable and happened to anybody. I even asked for a dispute for my bank and they gave it to me and then chime lied and then said that it was a valid purchase and then took back the money. I asked trying why it isnt eligible for a refund. They said that they cant tell me for security purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

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 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
Harris & Harris is attempting to collect a payment of {$120.00} for a debt that has already been settled through my XXXX account. I have an active XXXX account with my current license plate registered. The funds were deducted and paid at the time of the transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am filing this complaint against Comenity Capital Bank regarding my XXXX & XXXX XXXX Credit Card ( account ending in XXXX ). Timeline of events : XX/XX/XXXX : I made a purchase of {$2500.00} at XXXX & XXXX XXXX XX/XX/XXXX : Comenity charged {$33.00} labeled " XXXX XXXX '' to my account 26 days before my first payment was even due XX/XX/XXXX : I received my statement showing minimum due of {$91.00} with a due date of XX/XX/XXXX XX/XX/XXXX : I paid {$1500.00} 9 days before my due date, exceeding the {$91.00} minimum by more than XXXX times ( payment confirmation attached ) XX/XX/XXXX : I paid an additional {$1000.00} XX/XX/XXXX : Comenity closed my account at my request and confirmed a remaining balance of {$82.00} XX/XX/XXXX : Comenity reported my account as 30 days past due to XXXX XX/XX/XXXX : My XXXX score dropped XXXX points, changing my credit rating from Very Good to Good The problem : Comenity charged {$33.00} on XX/XX/XXXX before my first payment due date of XX/XX/XXXX and before any grace period had elapsed. This charge is labeled " XXXX XXXX '' a program that Comenity/Bread Financial has been sued over repeatedly for enrolling customers without meaningful informed consent. I did not knowingly enroll in this program. It appeared on my account automatically 12 days after my first and only purchase, with no prior notice or clear disclosure. Under the Credit CARD XXXX of XXXX, creditors can not charge fees during the grace period when a customer has not yet had the opportunity to pay. I received this card in the first week of XX/XX/XXXX and had not yet been given the opportunity to make a single payment before this charge appeared. Furthermore, I paid {$1500.00} on XX/XX/XXXX XXXX days before my XX/XX/XXXX due date far exceeding the {$91.00} minimum payment due. Despite this, Comenity reported my account as 30 days past due to XXXX, which directly caused a XXXX drop in my XXXX score on XX/XX/XXXX. When I contacted Comenity in writing to dispute these charges, they refused to process my request in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank of America never sent a notification or email that a payment was due so I got a late payment and they reported to the credit bureau and my score drastically dropped. They claimed because I went paperless that they don't notify about a bill unless I set it up in the app but I had it set up correctly and they still won't fix the issue and remove the late payment from my report. Seems like a scam to collect interest from people. Going paperless does not mean they shouldn't still send a bill by email. That should be automatic. It is with all my other credit card companies.

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 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: TX

Complaint narrative:
Company being complained about : Cash App ( Block, Inc. ) I am filing this complaint regarding Cash App XXXX failure to process a valid dispute for defective merchandise purchased on XX/XX/XXXX from XXXX XXXX. On XX/XX/XXXX, I purchased the following items from XXXX XXXX using Cash App, totaling {$640.00} ( including taxes, fees, and surcharges ) : XXXX XXXX Slim Console XXXX XXXX ( XXXX : XXXX ) - {$430.00} XXXX XXXX XXXX XXXX for XXXX ( XXXX : XXXX ) - {$86.00} DualSense Wireless Controller for XXXX ( XXXX : XXXX ) - {$59.00} XXXX XXXX XXXX XXXX for XXXX XXXX XXXX : XXXX ) - {$21.00} Taxes, Fees & Surcharges - {$47.00} The XXXX XXXX console received was defective and not functioning as described. The controller and both protection plans are rendered useless as a result. I contacted XXXX XXXX directly to request a refund and simultaneously attempted to file a dispute through Cash App. Cash App does not provide an email dispute option and requires disputes to be handled exclusively by phone, making it difficult to obtain written documentation of the process. When I attempted to dispute through the app, I was unable to do so without calling. This lack of accessible dispute resolution is a violation of my consumer rights under Regulation XXXX. I am requesting : XXXX. A full refund of {$640.00} to my Cash App account XXXX. Written confirmation of the dispute outcome XXXX. A review of Cash App XXXX dispute resolution practices Desired Resolution : Refund of {$640.00} Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: MI

Complaint narrative:
I am filing a formal complaint regarding fraudulent activity and unauthorized access to my Cash App account. My account was compromised due to unauthorized access, and as a result, transactions occurred that I did not authorize. The account has since been closed, and I no longer have access to it. Despite reporting this issue, the company has failed to provide any meaningful resolution. Cash App has stated that they conducted an investigation, however : * They have not identified the specific transactions or balance in question * They have not provided any documentation or findings * They have not explained the basis of their decision * They continue to avoid addressing the unauthorized nature of the activity Their responses have been vague, dismissive, and do not reflect a good-faith effort to investigate fraud on their platform. I am requesting : * A full and transparent investigation into the unauthorized activity * Documentation of all transactions and findings * Confirmation that my account is classified as compromised/fraudulent * Written confirmation that I am not liable for any unauthorized transactions or balances * Assurance that no negative reporting or collections activity will occur If this matter is not properly addressed, I will pursue further legal and regulatory action.

Company response to consumer: Closed with explanation