vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, I am trying to open an account with Truist but they have a restriction under my profile saying I can never open an account with them. It doesn't make any sense to me. They say its because of my XXXX XXXX XXXX report but I have already cleared up my report and I still get the short end of the stick. They dont even let me reapply. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: TX

Complaint narrative:
They have 9 card accounts on file under my name and social security number with the wrong date of birth and address benefits from XX/XX/XXXX through XX/XX/XXXX of XXXX was issued out to me the payments was sent out to direct Express I never received those payments they fail to properly investigate and see the error on their end, fail to refund me all my benefit payments from the benefit issuer this has caused a financial hardship, identity theft, causing all my information and paperwork to be altered and compromised exploited on dark web and not properly stored in the United States of america data base all my mail is coming presorted and in eastern time not central

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
O received unemployment it 2020 and chime closed my account after I transferred money to my sister and then kept or XXXX and never gave it to me they said I didn't follow there policy and terms

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 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: DISCOVER BANK
State: WA

Complaint narrative:
I disputed a credit card charge with Discover ( case XXXX ) for {$540.00} from XXXX XXXX XXXX XXXX XXXX XXXX. Discover found the transaction valid and later refused to change the outcome even after I submitted new evidence. 

On XXXX XXXX XXXX my Discover card was charged {$540.00} by XXXX. The invoice/receipt shows this is for a $ XXXX subscription tier ( plus tax ). I did not authorize any upgrade or recurring subscription at $ XXXX. 

After I filed the dispute, XXXX cancelled my subscription and revoked access. I received a cancellation email dated XXXX XXXX XXXX stating the Agency Subscription was cancelled, listing the plan amount as $ XXXX, and stating users can not log in because the subscription could not be renewed. This indicates the service was terminated during the paid monthly period. 

Despite providing this cancellation email and the invoice/receipt to Discover, Discover refused to reconsider and maintained the decision that the charge is valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-02 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: AL

Complaint narrative:
Cashapp was hacked and logged into. The person borrowed money, sent it to himself, and took money from my bank that was linked. This person called me with a recorded line, claiming to be cashapp. I was sent verification codes through text messages and changed my password. I did nog realize that it was not Cashapp even though it was a Cashapp recording. 

Cashapp has done nothing to help even though this person gained access into my account even after I went through the protection steps THEY told me to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: AZ

Complaint narrative:
Summary of Issue Between XX/XX/XXXX and XX/XX/XXXX, I submitted a transfer of {$5100.00} to XXXX XXXX XXXX, specifying the recipients Opay account. The transfer never reached the specified account, proving a service failure. I escalated the matter with multiple CSRs, including XXXX, XXXX, and XXXX, who promised compensation for this service failure. Despite following Remitlys instructions and providing all requested documentation, I was issued only a goodwill payment on XX/XX/XXXX. Later, XXXX XXXX informed me that no further compensation would be provided, contradicting earlier promises and Remitlys own policy. 

Policy Reference * From Remitlys Terms & Conditions : If your transfer does not arrive within the guaranteed delivery time, you may be eligible for a refund of service fees. ( [ source ] ( XXXX XXXX XXXXXXXX ) ) * I complied fully with all requirements. Denial of additional compensation contradicts their policy on service failure. 

Optional Regulatory Framing If Remitly refuses to comply with its own service-failure policy, I request that CFPB investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Account number : XXXX Date opened : XX/XX/XXXX High credit : {$26000.00} First delinquency : XX/XX/XXXX Balance on XX/XX/XXXX : {$15000.00} Current balance claimed : {$19000.00} I purchased a XXXX XXXX  for a total of {$24000.00} and paid so much in interest in less than a year. The car was repossessed in XXXX Credit Acceptance never notified me that they were selling the car, nor did they ever tell me what the sale price was. The account shows no information about the auction or sale, and the current balance appears grossly overcharged. 

I sent multiple emails to Credit Acceptance requesting documentation of the repossession, sale price, and balance calculation, but they never responded or provided any proof. 

I disputed this account with XXXX, clearly stating that the repossession and sale documentation had never been provided and that the balance appeared incorrect. XXXX  responded only by verifying the balance numerically, without reviewing the actual sale notices or documentation. They never confirmed that Credit Acceptance had provided the proof I requested. 

The current reporting of this account is inaccurate, misleading, and likely violates the Fair Credit Reporting Act ( FCRA ) because the account has not been properly verified. I request that Credit Acceptance provide proof of the repossession, proof of notice sent to me, auction/sale documentation, and proper accounting of the balance. If they can not provide this proof, the account and the {$19000.00} balance should be removed from my credit report. 

Desired Resolution : Remove the repossession account and {$19000.00} balance from my XXXX  credit report if Credit Acceptance can not provide proof of proper notice, auction/sale, and balance accounting.

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 2026-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Product : Student loan Company : Nelnet Account : XXXX Issue : Credit reporting / Payment processing / Communication failure Desired resolution : Remove inaccurate/unfair delinquency reporting Complaint In XX/XX/year>, Nelnet reported XXXX XXXX XXXX XXXX student loan as delinquent, including up to a XXXX late status. These delinquencies occurred immediately following the end of the XXXX payment pause and repayment restart. 
At the time, my account was enrolled in paperless billing, and the email address on file with Nelnet was incorrect. As a result, I did not receive billing statements or repayment restart notifications and was unaware that payments had resumed. 
The XXXX time I learned of the delinquency was through a major XXXX XXXX drop and XXXX XXXX monitoring. The moment I became aware, I logged into my Nelnet account, corrected my contact information, and immediately made payments to bring the loan current. I have maintained perfect payment history since that time. 
In XX/XX/year>, I submitted a formal goodwill/adjustment request to XXXX XXXX XXXX XXXX explaining that the delinquency was caused by defective notice and communication failure during the COVID repayment transition. I never received any response. 
Nelnets reporting of a XXXX delinquency under these circumstances is unfair and inconsistent with accurate servicing practices, especially when repayment restart notices were not effectively delivered due to incorrect electronic contact information. 
I am requesting that Nelnet : Provide documentation of what repayment restart and billing notices were sent, when, and to what address/email ; and Remove the XX/XX/year> delinquency reporting as it resulted from servicer communication failure, not intentional nonpayment. 


This inaccurate reporting caused severe and lasting harm to my credit profile despite immediate correction and continued full compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 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: DISCOVER BANK
State: UT

Complaint narrative:
Between approximately late XXXX and XXXX, an individual we trusted through our church community fraudulently used my and my husbands credit cards without authorization. On or around XX/XX/XXXX, he instructed us to use our personal credit cards to show a temporary investment for an XXXX visa application and promised the money would be returned within one week. Instead, he conducted cash advances, failed to return two credit cards, and later accessed my husbands credit card account without permission. He ordered an additional card under another persons name and used it repeatedly. Over approximately six weeks, about {$50000.00} in charges were made on our credit cards. The transactions included clear personal expenses ( such as food delivery services ) and were not legitimate business expenses. We did not authorize these charges. When confronted, he attempted to repay the money by scheduling bank transfers, but all payments failed due to insufficient funds. He repeatedly made false excuses and provided misleading information. In a recorded phone call, he admitted that : He used our credit cards for personal expenses He lied about the purpose of the charges He impersonated other individuals using different phone numbers No immigration or visa applications were ever filed We promptly reported the unauthorized transactions to Discover and XXXX  XXXX XXXX and submitted extensive supporting evidence, including transaction records and admissions of fraud. Despite this, both banks denied our fraud claims and informed us that we are responsible for repaying the charges. As a result, we are facing approximately {$55000.00} in financial loss, along with significant emotional distress, despite clear evidence of unauthorized use and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am disputing the actions of LVNV Funding, LLC regarding an alleged consumer debt that they have failed to validate but continue to report to the credit bureaus. 

On XX/XX/XXXX, I received an initial email communication from Resurgent Capital Services, acting on behalf of LVNV Funding, XXXX, regarding an alleged debt. The email stated that I had XXXX XXXXays to dispute the debt and that disputes could be submitted by replying directly to the email. 

Within the required XXXX period, on XX/XX/XXXX, I replied directly to the email disputing the debt in writing and requesting full validation. I also requested that LVNV Funding cease any credit reporting until the debt was properly validated. 

LVNV Funding and Resurgent Capital Services never responded to my validation request and never provided any verification of the debt. 

On XX/XX/XXXX, I discovered that LVNV Funding had nevertheless reported the account as a collection trade line to XXXX or more credit reporting agencies. I immediately contacted them again in writing, reminding them of my earlier dispute and again demanding validation and correction. They did not respond. 

On XX/XX/XXXX, I sent a second written dispute by email, again requesting validation and corrective action. Once again, LVNV Funding failed to respond or provide any documentation, and the collection account continued to be reported. 

I later disputed the account directly with the credit reporting agencies. Despite this, LVNV Funding continued to report the account and did not properly mark it as disputed. 

As a result of this inaccurate and unvalidated reporting, in XX/XX/XXXX, I was denied an XXXX XXXX corporate credit card due to delinquent credit obligations. This denial caused financial harm, as I was required to personally front business travel expenses and seek reimbursement. 

LVNV XXXX conduct has caused credit damage, financial hardship, and significant stress. They have continued collection and credit reporting activity without ever validating the debt, despite multiple written disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 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: MD

Complaint narrative:
On XX/XX/year>, an unauthorized transaction in the amount of {$940.00} was processed under the description XXXX * XXXX at approximately XXXX XXXX. I did not authorize, approve, or recognize this transaction. 

I promptly disputed this transaction through my financial service provider. The dispute reference number is XXXX. The dispute status currently shows In progress. However, I have not received a final resolution, provisional credit, or clear written communication explaining the investigation process or the expected timeline for completion. 

I am concerned that XXXX has failed to adequately protect my account and has not handled this dispute in compliance with applicable consumer protection laws, including the Electronic Fund Transfer Act ( EFTA ) and Regulation E, which require timely investigation and resolution of unauthorized electronic fund transfers. 

As of today, this matter remains unresolved and has caused financial hardship and distress. I am requesting regulatory assistance to ensure this issue is handled properly and fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 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: Block, Inc.
State: TX

Complaint narrative:
CFPB Complaint Description Subject : Failure to Investigate Merchant Fraud and Predatory Billing under Regulation E Detailed Narrative : I am filing this complaint because Cash App has failed to conduct a reasonable investigation into a clear case of merchant fraud and predatory billing. 
On XX/XX/year>, I was double-charged for a travel lodging stay. After the initial merchant ( XXXX ) charged me {$380.00} then 15 mins later cancelled my stay while I was on-site and deleted my account to prevent communication, I have yet to be refunded my money from air bnb. I was then forced faceing the current situation by the host ( XXXX XXXX XXXX XXXX pay again directly {$470.00} to keep my initial reservation i made with air bnb for the same home. 
The following banking irregularities occurred which the bank has ignored : Predatory Billing Patterns : The merchant ( XXXX ) attempted to charge my cashapp card seven consecutive times in a single night. They eventually circumvented fraud alerts by splitting the total into three fragmented, unidentifiable charges ( {$190.00}, {$160.00}, and {$110.00} ). To my XXXX account. This is a textbook example of " transaction splitting '' to bypass consumer protections. 
Lack of Legal Authorization : The merchant is attempting to justify these charges using a " Rental Agreement '' that I never signed. Furthermore, the merchants own records prove they have the wrong identity on the contract ( listed as " XXXX XXXX '' ). I am not that person. There is no valid contract authorizing these debits. 
Failure of Service & Health Hazard : The merchant charged a {$240.00} cleaning fee for a property that was in a " Nauseous and Unsanitary Condition. '' I have documented months of dust debris and human hair which caused a medical reaction for my XXXX son. 
Bank 's Failure to Investigate : Despite providing photos of the unsanitary conditions and proof of the invalid/unsigned contract, [ cash app ] denied my dispute. Under Regulation E ( 12 C.F.R. 1005.11 ), the bank has a duty to investigate errors and unauthorized transfers. Their automated denial without reviewing my evidence of merchant deception is a violation of my consumer rights. 
Requested Action : I am requesting a full reversal of these charges ( {$860.00} total across all platforms ) and a manual review of the merchant 's predatory billing history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Chase credit card was billed for a service by the company at the following address. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX The company appears as XXXX XXXX XXXX XXXX on my credit card statement. I contacted Chase about the charge on two occasions and opened an investigation, but they still allowed the XXXX XXXX XXXX to bill my credit card. 

As it turns out, the XXXX XXXX XXXX XXXX filed for dissolution/closure in the State of Florida in XXXX of XXXX, but the credit billing system was left registered to the company and continues to bill automatically, despite the company officially being dissolved. 

Here is a link to the dissolution on file at the Florida XXXX of XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite XXXX XXXX XXXX XXXX being officially closed, Chase 's Fraud Department continued to allow the merchant to bill my Chase Credit Card Account. I asked Chase to cancel the card to prevent further charges, and the Chase XXXX Department told me the vendor could still charge my card even after it was cancelled. So I left the account Chase account open, assuming Chase XXXX Department would eventually deal with the problem. It has been a year, and the vendor continues to bill my card. I received a single credit for a charge in XX/XX/XXXX. Then, billing resumed. 

Should a company that is officially dissolved/closed with the filing publically available at the link i provided be allowed to continue to operate a merchant account under the company name? That in itself constitutes 'Fraud '. It seems like an open-and-shut case, but for some reason, Chase XXXX has sided with the vendor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XXXX : Unauthorized Deposit of Joint Funds and Refusal to Provide Transaction Records I am filing this complaint against USAA Federal Savings Bank regarding the unauthorized negotiation of funds and a subsequent lack of transparency. 

In XX/XX/year>, multiple mortgage XXXX checks in excess of {$3000.00}, issued by XXXX XXXXXXXX XXXX and made payable to both myself AND XXXX XXXX, were deposited into a USAA account held by XXXX XXXX. These deposits were made without my endorsement, knowledge, or consent. As a named payee on the check, my signature was required for legal negotiation. USAAs acceptance of this deposit without dual endorsement constitutes a failure in their banking and fraud prevention protocols. 

Furthermore, I have contacted USAA on multiple occasions to request information regarding these transaction and banking details related to myself. USAA has failed to provide the requested information and explicitly refused to provide copies of the cashed checks, despite my name being listed as a payee on the instruments. This refusal has obstructed my ability to resolve a clear case of financial misappropriation and has forced me to file a formal police report to obtain documentation that should be accessible to a named payee. 

I am requesting that USAA : -Investigate the unauthorized deposit of the multi-payee check. 
-Provide copies of the front and back of the negotiated checks. 
-Explain why a check requiring XXXX signatures was accepted into a solo account without my endorsement.

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 2026-02-02 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 am submitting this complaint regarding an unauthorized and fraudulent transaction in the amount of {$940.00}, charged to my account by XXXXXXXX XXXX XXXXXXXX on XX/XX/year>. 

I did not authorize, approve, or participate in this transaction in any capacity, nor did I receive any goods, services, or digital assets associated with this charge. Upon discovery, I promptly notified my financial institution and formally disputed the transaction in accordance with applicable consumer protection laws. 

Despite my timely notification and full cooperation, the disputed amount remains unresolved. The failure to provisionally credit or promptly resolve this matter constitutes a potential violation of the Electronic Fund Transfer Act ( EFTA ) and Regulation E, which require financial institutions to investigate unauthorized electronic fund transfers and protect consumers from financial loss. 

This unauthorized withdrawal has caused financial hardship and undue stress, and I am concerned that appropriate fraud prevention and dispute resolution procedures were not adequately followed. 

I am requesting immediate corrective action, including a full refund of {$940.00}, a thorough investigation, and written confirmation of the resolution. If this matter is not resolved promptly, I reserve the right to pursue additional remedies available under federal and state law.

Company response to consumer: Closed with explanation