vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 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: MA

Complaint narrative:
I have a new checking with Chime. Twice now the debit card said it had arrived via the app but the card is not in my mailbox. Frustrating as Chime will not allow me to transfer money to an external bank account until I active my debit card.... that won't arrive. When I spoke to a customer service representative to explain this issue, they simply cancelled my card and resend another card via standard mail. Now I have to wait another 10 days for a card that likely won't arrive again. I'm stuck in a loop and customer support will not help. They've confirmed my address is correct. They told me they could not expediate the card. They told me I'd be able to transfer using my virtual debit card but that was incorrect. That does not work. Their guidance and reassurances fell flat. I didn't even request they cancel my prior card. They just went ahead and did that after I told them I don't want them to just submit another request for a card. Worst customer service and my funds are being held hostage. This is not acceptable but there is no one at Chime that will help me. Oh, and when I called to get through to a representative, they say they need to call back your phone number to verify you and yet I don't get a call back. Nor do they call when requesting a call to start. I even added their phone number into my contacts as they suggested but my phone would never ring from them. Worst " bank '' ever. App looks nice but functionality and customer service are garbage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Village Capital & Investment LLC
State: CA

Complaint narrative:
I am filing a complaint regarding my mortgage servicer, Village Capital, as I am currently facing foreclosure in California. Earlier in my delinquency, I contacted the servicer to ask about making partial payments and was clearly told that partial payments were not accepted unless I could pay the full reinstatement amount. Based on this information, I did not make partial payments. I am now being denied loss mitigation assistance because I did not make partial payments over the past 17 months. This is contradictory guidance that directly impacted my ability to avoid foreclosure. I have recently obtained higher paying employment and am now able to resume making payments and contribute toward the delinquency. I am requesting a full review of my loss mitigation options and assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
In XX/XX/, I moved out of XXXX XXXX at XXXX XXXX, managed by XXXX XXXX XXXX XXXX, in XXXX, TX. On XX/XX/2023, I received an email about a past-due balance, but the notice listed the wrong apartment number ( XXXX XXXXXXXX instead of my actual XXXX XXXX XXXXXXXX ) and included no itemized breakdown of charges. I responded on XX/XX/, asking for clarification and requesting information about my deposit. I received no response. The account was sent to Fair Collections and Outsourcing, which reported it to XXXX. I did not receive a proper written itemized statement of deposit deductions as required by Texas Property Code Section 92.104 within 30 days of move-out. Despite this, I paid the full {$250.00} balance, and the account was closed in XX/XX/2023. XXXXair Collections continues to report this paid collection on my credit report. I called Fair Collections to request a goodwill deletion and was denied. I have disputed the account with XXXX twice, but the tradeline remains. The original notice contained incorrect information, my inquiry was ignored, and Texas deposit return requirements were not followed.

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 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SOFI TECHNOLOGIES, INC.
State: MA

Complaint narrative:
Why is SoFi bank calling from a phone number labeled " XXXX XXXX '' ( XXXX ) to collect an overdue payment? I've confirmed with XXXX 's XXXX dept that they were not aware of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am filing a complaint regarding unauthorized electronic fund transfers of {$1200.00} on XX/XX/year> and {$190.00} on XX/XX/year> from my bank account that were improperly denied by Chase. I reported these transactions as unauthorized. The bank denied my claim twice based on a merchant-provided screenshot as proof of authorization. A screenshot does not verify that I personally authorized the transaction. I contacted the merchant ( XXXX ), and they confirmed that these transactions are not associated with my account. This directly contradicts the banks determination. Chase failed to conduct a reasonable investigation under Regulation E by : Relying on insufficient merchant-provided evidence Failing to verify the identity of the individual who initiated the transaction Ignoring documentation showing the transactions are not linked to my account I am requesting : A full reinvestigation of these unauthorized transactions Reimbursement of the disputed amount Documentation of all evidence used to determine authorization These transactions were not authorized by me, and I am not liable under Regulation E

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-09 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: FIRST NATIONAL BANK OF OMAHA
State: AZ

Complaint narrative:
I opened this account at Scheels on XX/XX/29 to get a discount on a coat. I asked to close it before the end of XXXX, and they said yes as long as after the XXXX. When I went to close it on the XXXX I saw a {$1.00} charge from XXXX on the XXXX. I have a reoccurring {$1.00} charge on my primary card for this so assumed it accidentally went to this card somehow. So, I paid it and called to close the account. I was assured it would be closed so I never looked back. I then saw my credit score dropping and couldn't figure out why. I looked at my bank, and it said there was a dispute from FNBO for a {$7.00} charge due to interest from a {$1.00} charge on XXXX. I didn't even recognize the bank because I only had the Scheels card for a month- so if they sent me an email it likely went to spam. By XXXX when I realized where this charge came from - I immediately paid it to avoid any further late marks, even though they shouldn't have allowed a charge after I closed the account at the end of XXXX anyway. I called FNBO to explain the situation, but they refused to remove the mark. I had a credit score over XXXX and now it is in the XXXX due to this {$1.00} charge they charged on my account when it should have been closed. I am asking to please remove this mark so my credit will go back as it should be.

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 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I never opened this account, its fraud and I'm prevented from opening a new account.

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 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Tel : XXXX Date : XX/XX/year> Subject : Debt Validation Request Under FDCPA and FCRA To Whom It May Concern, I am writing in response to accounts you are reporting on my credit report and/or attempting to collect. This letter serves as a formal request for validation of the alleged debts pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I dispute the validity of these alleged debts and request that you provide full validation before continuing any collection activity or reporting to credit bureaus. The accounts in question include, but may not be limited to : * Collection accounts reporting balances such as {$140.00}, {$330.00}, {$350.00}, {$840.00}, {$2300.00}, and {$190.00} * Any accounts associated with XXXX XXXX or other third-party collection agencies * Any accounts related to Capital One, auto loans, or other charged-off debts now in collections Under federal law, you are required to provide proper validation of the alleged debt. Please provide the following : 1. The name and address of the original creditor 2. The full account number and date the debt was incurred 3. A complete payment history, including how the balance was calculated 4. Copies of any signed agreement or contract bearing my signature 5. Documentation showing that you have legal authority to collect this debt 6. Proof that the debt has not been paid, settled, or discharged 7. Verification that the amount being reported is accurate and not duplicated Until you provide proper validation : * You must cease all collection activity * You must not report or continue reporting this account as valid to any credit reporting agency * If already reported, the account must be marked as disputed Be advised that failure to comply with this request constitutes a violation of the FDCPA and FCRA. Reporting unverifiable or inaccurate information may also subject you to liability. If you can not provide the requested validation, you must immediately delete this account from all credit reporting agencies and cease collection efforts. All future communication regarding this matter must be in writing. Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Complaint against Wells Fargo Bank Failure to properly investigate debit card dispute under Regulation E I am filing this complaint regarding Wells Fargos handling of a debit card dispute for a transaction dated XX/XX/XXXX, in the amount of {$2200.00} ( merchant : XXXX ). I disputed this transaction on the basis that the services were not delivered as represented at the point of sale. The program was marketed as a personalized, high-touch coaching container providing individualized guidance, leadership clarity, and tailored support. After accessing the program and attempting to engage in good faith, it became clear that the service delivered consisted primarily of standardized, self-paced content and did not match the representations that induced the purchase. I attempted to resolve this issue directly with the merchant on XX/XX/XXXX, and requested a prorated refund based on the discrepancy between what was promised and what was delivered. The merchant refused, citing a no-refund policy, and did not address the underlying issue of misrepresentation. I then filed a debit card dispute with Wells Fargo. The claim was initially denied. I submitted a formal reconsideration request on XX/XX/XXXX, including a detailed explanation and supporting documentation demonstrating misrepresentation and my attempt to resolve the issue directly with the merchant. Wells Fargo confirmed receipt of my documentation. However, upon follow-up, I was informed that the claim would not be reconsidered because it was outside of XXXX timeframe for chargebacks, and that their decision was final. Wells Fargo did not provide a substantive evaluation of the documentation I submitted regarding misrepresentation. Instead, the denial was based solely on XXXX network time limitations. This is concerning because debit card disputes are governed by Regulation E, which requires financial institutions to conduct a reasonable investigation of reported errors. A claim involving services not delivered as represented should be evaluated on its merits, regardless of whether it can be processed through the XXXX chargeback system. By relying exclusively on XXXX timeframe limitations and refusing to reconsider the claim, Wells Fargo failed to properly investigate my dispute under Regulation E and failed to provide a meaningful review of the evidence submitted. I am requesting that Wells Fargo : Reopen and properly investigate this dispute under Regulation E Review the documentation submitted regarding misrepresentation of services Provide a written explanation of their determination based on the merits of the claim, not solely network time limitations

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 2026-04-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint against the credit bureaus for reporting fraudulent and unauthorized information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). I have reason to believe that I am a victim of identity theft, and several accounts on my credit report were opened and/or used without my knowledge or authorization. I have formally disputed these accounts and requested that they be blocked ; however, they continue to be reported without proper investigation or resolution. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are required to block information resulting from identity theft within four ( 4 ) business days upon receipt of proper documentation. The failure to do so is a direct violation of federal law. Additionally, under FCRA 607 ( b ) and 611, you are required to ensure maximum possible accuracy and conduct a reasonable reinvestigation of disputed items. Despite my disputes, these fraudulent accountsincluding collections, charge-offs, and other derogatory itemsremain on my report without sufficient proof that they belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding a {$330.00} transaction made on XX/XX/XXXX through Cash App for a purchase with XXXX. I disputed this transaction shortly after it occurred and was informed the investigation would take approximately 10 business days. However, as of XX/XX/XXXX, the dispute still shows in review with no updates or resolution provided. I have contacted Cash App support multiple times requesting a status update, but I have not received a clear answer, decision, or expected completion date. This delay is unreasonable and far exceeds the timeframe originally provided. I am requesting that Cash App complete the investigation immediately and provide a final determination. If the claim is found valid, I am requesting a refund of the disputed amount. Additionally, I request better communication regarding the status of disputes, as I have not been kept informed throughout this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: CMG Financial Services, Inc.
State: TX

Complaint narrative:
On XXXX XXXX I received a letter from state auto for a notice of non renewal for my home owners policy. It was going into effect on XXXX XXXX. I then singed a contract with XXXX XXXX by XXXX on XX/XX/XXXX for {$3400.00}. My mortgage company Cmg paid this policy on XX/XX/XXXX. I received a letter on XX/XX/XXXX acknowledging that they paid this policy on my behalf for {$3400.00}, and it was effective immediately on XX/XX/XXXX. The following day, XX/XX/XXXX I contacted XXXX insurance who normally handled my insurance policies. I declined their homeowners policy with XXXX XXXX for {$11000.00}. I sent them a message via XXXX that there was no way in XXXX I would ever sign a policy so grossly overpriced. I will attached the XXXX document stating I cancelled this policy on XX/XX/XXXX. XXXX paid the {$11000.00} policy! I already had a homeowners policy in place, and the non-renewal wasnt supposed to go into effect until XX/XX/XXXX. On XX/XX/XXXX I received a letter stating CMG paid the {$11000.00} policy, with an effective date of XX/XX/XXXX. We moved out of the home in XX/XX/XXXX. The monies was debited from my mortgage on XX/XX/XXXX. I received a check from XXXX for {$11000.00} on XX/XX/XXXX. On XX/XX/XXXX I received another letter from Cmg stating they paid my homesite insurance policy ( that they already paid in XXXX ) but this letter has an effective date of XX/XX/XXXX! We sold the house in XX/XX/XXXX, and had a huge negative balance in our escrow due to XXXX, CMG, & XXXX mistake! How is it legal for a mortgage company to use my money and spend it whenever and wherever they want too, and NOT be held liable! And why did XXXX pay me directly and not pay CMG directly. Therefore I had to show {$11000.00} as taxable income, then pay it back to CMG and get taxed again!! How is this legal?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: PLS GROUP, INC
State: NC

Complaint narrative:
I purchased a XXXX money order through PLS Check Cashers in 2023. The money order was lost or stolen after I submitted it for rent payment. I filed a claim and was told the investigation could take up to 3 years. That time has passed, and I have not received any resolution. I have proof of purchase and documentation. I am requesting immediate reimbursement or a full update on the status of this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Goal Structured Solutions, LLC
State: VA

Complaint narrative:
I had my private student loans consolidated once I finished my XXXX. The original loan was {$44000.00}. I graduated with my last degree and started paying my loans back. To date, my student loan has only gone down to {$38000.00}. So, I called my loan servicer, Launch Servicing to see if I could renegotiate terms with the original entity that gave me the loan. So, they said reach out to XXXX XXXX XXXX XXXX XXXX. So, I did. When I called the credit union, they gave me a little run around. I couldn't get any information from them. So, I called my servicer and they had me on hold for several minutes, then the guy came back on and said we can't give you the lender 's information. But the lenders information is on my statements. So, I called the credit union again and after they did some research, they said that they have no record of me in their system anywhere. So, at this point, I would like to know where my money is going and I'm not sure what to do. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: NC

Complaint narrative:
I am seeking the implementation of my rights as outlined in FCRA Section 605B ( U.S.C 1681c-2 ). As someone who has been affected by identity theft and XXXX data breach. I have the right to request that any fraudulent information be removed from my credit report. This law mandates that credit reporting agencies promptly eliminate any information that originated from the identity theft once they receive appropriate notification. Please delete within 4 days. This has caused me to be so sad and depressed as this is taking a toll on my mental health. I am currently in the homebuying process and my XXXX is through the roof. I strongly ask you to promptly take the proper steps to ensure that these protections are fully enforced. Noncompliance with these provisions undermines the integrity of the credit reporting system and exacerbates the harm inflicted on victims like myself. I look forward the assistance of getting these items removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: CITIBANK, N.A.
State: WA

Complaint narrative:
My XXXX Citi card was charged for several XXXX fees in and around XXXX XXXX from XX/XX/XXXX to XXXX. Citi notified me of a suspicious charge. I contacted Citi and they have disputed all the XXXX charges, which I did not make and as a result are fraudulent.

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