vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 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: Chime Financial Inc
State: AZ

Complaint narrative:
I am filing this complaint regarding Chimes handling of my debit card dispute for a {$480.00} XXXX purchase that I did not receive. The merchant marked the order as delivered, but I never received the package. The only evidence provided was a delivery photo showing a door, with no proof that I or any authorized person actually received or took possession of the package. There was no signature confirmation and no proof of handoff to me. 

XXXX refused to refund or replace the order. I then filed a dispute with Chime for non-receipt of merchandise. Chime denied my claim after relying on the merchants documentation, which does not prove receipt by me and does not establish that I received the goods. A delivery photo at a door does not prove possession or successful delivery to the cardholder. 

I believe Chime failed to conduct a reasonable investigation and improperly denied my dispute. I am requesting that Chime reopen and properly review my dispute and credit my account for the {$480.00} transaction for merchandise that was never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MoneyLion Inc.
State: NV

Complaint narrative:
On XX/XX/year>XXXX  I filed a dispute for a transaction dated XX/XX/year>XXXX  for {$72.00} XXXX for XXXX XXXX XXXX XXXX and I was told that I'd receive a provisional credit which I have not received and have since been told that I will not receive a provisional credit. Plus now they tell me that it will take 120 days for the dispute process which is absolutely ridiculous.

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 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: MI

Complaint narrative:
They owe me quite a bit of money I want all my money thats sold from to me that they stolen payday loans the company take money out of my account without my authorization. They owe me over {$3000.00} and I want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/XXXX, I disputed the above-referenced account with LVNV Funding LLC XXXX demanding that they provide me with proof to support the {$690.00} debt they claim I owe. On XX/XX/XXXX, LVNV Funding LLC reported this account as verified however, to date, this company has failed to provide any documentation to legally support their claim. Additionally, I received a letter from Resurgent Capital Services LP, claiming that as of XX/XX/XXXX, that same debt is now owed to their company. BOTH companies are currently reporting this account on my credit profile. This is really having a negative effect on my livelihood and quality of life. 

Despite my efforts to resolve this matter directly with LVNV Funding LLC and Resuregent Capital Services LP, the issue has not been resolved. BOTH companies have failed to provide any relative competent information to support this claim and BOTH COMPANIES continue to engage in the same predatory conduct. 

I believe this behavior violates consumer protection laws pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ), the furnisher was legally required to conduct a reasonable investigation and report the results within the statutory timeframe. Their failure to respond constitutes a failure to investigate. 

Because no verification was provided within the time allowed by law, the continued reporting of this account is inaccurate, unverifiable, and unlawful. As such, you are required to DELETE this account immediately from my consumer file. 

Any attempt to continue reporting this account, or to reinsert it without proper certification as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), will be considered willful noncompliance and negligent violation of federal law. Pursuant to 1692e ( 10 ) clearly these two entities are using deceptive means to collect a debt, which is also unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHERRY TECHNOLOGIES INC.
State: FL

Complaint narrative:
Cherry Technologies is attempting to collect a debt that is not owed because the financed dental services were never provided and the transaction failed of essential purpose.

Cherry financed a dental treatment plan with XXXX XXXX XXXX that included two dental implants, two crowns, and two root canals. The only dates of service were XX/XX/year> : Two implants were never performed Two crowns were never performed One root canal was only partially completed due to unresolved XXXX An XXXX XXXX XXXX later confirmed ongoing XXXX and a XXXX  requiring XXXX  and XXXX XXXX, making the treatment plan medically inappropriate and impossible to complete. 

Despite written notice of dispute and requests for documentation, Cherry Technologies : Accepted payments totaling {$2000.00} Continues to treat the financing agreement as enforceable Engages in collection and enforcement activity for a debt that is not owed Although Cherry has removed the account from credit reporting, removal does not resolve the underlying dispute. This complaint is not about cancellation, dissatisfaction, or refund policy ; it concerns non-performance of the financed transaction, which voids the basis for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: NC

Complaint narrative:
Summary Capital One improperly closed my credit card dispute despite extensive documentation showing that the merchant ( XXXX ) failed to honor its return policy and actively obstructed a valid return after approving it in writing. Capital One repeatedly closed the dispute without addressing merchant obstruction, misrepresented merchandise, or the merchants admitted system failures. 

Detailed Description I disputed a {$100.00} charge from merchant SP XXXX  for merchandise that was not as described and could not be returned due to the merchants system failures. 

Key facts : Merchandise Not as Described A Kids XXXX sweatshirt was delivered that measures approximately XXXX inches in length, while XXXX published size chart lists a Kids XXXX at approximately XXXX inches. 

This discrepancy renders the item unwearable and materially non-conforming. 

Photographic measurement evidence and the merchants size chart were provided to Capital One. 

Timely Return Attempts I attempted to initiate returns well within XXXX standard and extended holiday return windows. 

XXXX  return portal malfunctioned, incorrectly stating I was outside the return window and later failing to recognize my order at all. 

Merchant Admission and Obstruction XXXX  representatives acknowledged in writing that : My items were eligible for return Their return portal was malfunctioning A manual return label would be issued Despite these written confirmations, XXXX never issued a return label. 

After a chargeback was initiated, XXXX explicitly refused to work with the recipient of the childrens item solely because a dispute existed. 

Capital Ones Failure to Apply Consumer Protections Capital One closed the dispute multiple times, citing insufficient information, without identifying what information was missing. 

Capital One accepted the merchants claim that merchandise was not returned, while ignoring that the merchant prevented the return after approving it. 

This effectively allows a merchant to defeat a dispute by refusing to provide a return method, which contradicts consumer protection principles and XXXX dispute standards. 

Why XXXX Ones XXXX XXXX XXXX The merchandise was continuously made available for return. 
The only reason it was not returned is because the merchant failed to provide the means to do so after approving the return. 

Capital Ones refusal to address merchant obstruction and reliance on unreturned merchandise as a basis to deny the dispute is unreasonable and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: IL

Complaint narrative:
I was scammed out of {$190.00} on cashapp. Ive reached out to Cashapp, provided PROOF and also asked what documentation was used in the process of denying my claim they told me they could NOT provide that information even though it is illegal for them to deny. I will be suing if I dont get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
My mortgage got sold fall of XXXX  from XXXX XXXX to Mr.copper, XX/XX/XXXX of XXXX/my payment went up {$170.00} a month, my township tax went up {$80.00} a year my county taxes went up {$80.00} a year and homeowners insurance went up {$50.00} a year, split up that cost over a year it equals about {$17.00} a month, furthermore my escrow account has a shortfall of {$1200.00}, Mr.cooper said this payment stays for a year till they reevaluate which brings that payment over {$2000.00} more.

I contacted Mr.copper through the website because you cant get ahold of anyone and through the website they said they would reevaluate. Its been 3 weeks now and was told it would be 5 to 7 days to contact me with the reevaluation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I submitted one manual payment to Capital One to pay my credit card balance. Capital One withdrew the same payment twice from my linked checking account at XXXX XXXX, despite only one payment being authorized. 

The two withdrawals were : XX/XX/XXXXXXXX  Payment from XXXXXXXX XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX AutoPay from XXXX XXXX XXXX XXXX - {$2100.00} These duplicate drafts caused my checking account to be overdrafted. Capital Ones own system reflects a negative balance on my credit card account, confirming that the duplicate withdrawal was an error on their end. 

When I contacted Capital One customer service, I was advised to call my bank and attempt to stop the payment. However, XXXXXXXX XXXX informed me that ACH debits can not be stopped while they are pending, and that Capital One, as the originating merchant, must stop or reverse the transaction. 

Capital One nevertheless stated that the only resolution available was to mail a paper check several weeks later, offering no electronic reversal, expedited refund, or reimbursement for the overdraft caused by their error. 

Capital Ones actions resulted in financial harm and their guidance was misleading, as they directed me to take steps that were not legally or operationally possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
hi i called multiple times the bank bmo to report fraud transactions that ive never authorized after my card was stolen and it was not reported by bmo. nothing was done i want my money stolen back pls see the fraud transactions that i never authorized below XX/XX/XXXX XXXX  XXXX XXXX  {$70.00} XX/XX/XXXX XXXX  XXXX XXXX. {$160.00} XX/XX/XXXX XXXX  XXXX XXXX  {$160.00} XX/XX/XXXX XXXX XXXX XXXX  {$100.00} XX/XX/XXXX XXXX XXXX XXXX {$170.00} XX/XX/XXXX XXXX XXXX XXXX {$71.00}

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
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: NY

Complaint narrative:
Dear Sir or Madam, I am writing in response to your communication regarding the alleged debt referenced above. This letter is not an admission of liability.

Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting validation of this alleged debt. Please provide the following : 1. The amount of the alleged debt and an itemized breakdown.

2. The name and address of the original creditor.

3. Copies of any contract, agreement, or documents bearing my signature.

4. Proof that you are legally authorized to collect this debt.

5. Proof that this debt has not exceeded the statute of limitations.

Until such validation is provided, you are required to cease all collection activities and reporting to any credit reporting agency.

If you can not provide proper validation, please remove this account from my credit report and notify me in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
This credit card was use fraudulently and when reported to capital one they did investigation and then charge me access fees and the fraudulent. I lost my phone and XX/XX/XXXX and credit card was on the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Card was in good standing and citi bank closed the card due to fradulent reporting on my credit report. The account was closed in current status and reported with balance on credit report

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 2026-01-28 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: MI

Complaint narrative:
Hey i filed a complaint to chime about a merchant call XXXX  bet XX/XX/XXXX they made a claim in it was denied but they also told me they blocked the merchant but the didnt. I call the merchant they advised me to never use chime because a lot of people account be be fraud Because of chime not a major bank so I call chime to tell them. so Im currently disputing again because this time they stole from me again but this the merchant supposed be block I told chime to block them and they didnt while Im thought did in it happened a second time on XX/XX/XXXX while I was sleeping early morning. I dont use chime every day but my family does so my neice sent me money with her tax refund to pay a friend of mine a deposit on a home so she can move in but now she cant do anything because chime allowed this merchant to steal again after I was told they was block. Im in lost of word in just want back was stolen from me a second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America closed both my checking account ( XXXX ) and savings account ( XXXX ) for no reason despite both accounts being in perfect standing with XXXX balances. I received no explanation for this closure. Now they are making me wait 16 years to reopen an account. This is arbitrary, unfair, and violates federal consumer protections, including the Federal Deposit Insurance Act ( FDIA ) and Regulation CC, which require banks to provide access to accounts fairly and prohibit unreasonable restrictions.

I have been a responsible customer, complied with all account terms, and did not engage in any activity that justifies closure. Bank of Americas actions are excessive, punitive, and completely unjustifiable.

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 2026-01-28 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: Kikoff Inc.
State: IN

Complaint narrative:
Today XX/XX/year> I encountered an advertised credit-building financial product that promoted features such as no credit pull and low or XXXX interest. The advertisement included a View Disclosures link. When I clicked the link on a mobile device, the disclosure page did not display meaningful information about material terms, including fees, conditions, credit reporting practices, or consumer obligations. The page appeared blank or materially incomplete and did not allow me to review the terms prior to deciding whether to open an account. 

Because the disclosures were inaccessible or insufficient, I was unable to evaluate the offer or make an informed decision before account opening. This appears to be a design or presentation issue affecting mobile access to required disclosures, rather than a one-time technical error. 

I am concerned that the advertising presents benefits prominently while the material terms are not clearly and conspicuously available at the point of decision.

The product was advertised through the XXXX XXXX XXXX mobile application. The View Disclosures link redirected to a third-party disclosure page that did not display material terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: WI

Complaint narrative:
I CONTACTED THE COMPANY DIRECTLY VIA CERTIFIED MAIL ON XXXX XXXX ALSO MADE A COMPLAINT XXXX, NONE OF THE INFORMATION I REQUESTED WAS PROVIDED FROM THE COMPANY ONLY A BILL. WHICH DOES NOT PROVE ANYTHING AS IT IS MY RIGHT UNDER THE FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C. 1692g. ASLO THIS DEBT IS REPORTING TWICE ON MY CREDIT REPORT I WANT THIS REMOVED IMMEDITLEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: TX

Complaint narrative:
In XX/XX/year>, I gave birth to my child. During the XXXX  period, my household experienced a temporary financial and logistical disruption related to XXXX  and recovery. As a result, two student loan payments scheduled for XX/XX/year> and XX/XX/year> were returned due to insufficient funds. 

Once the situation stabilized, I immediately brought the account current and have remained on time since, including making larger catch-up payments in subsequent months. The account is currently in good standing and payments have continued without issue. 

I contacted Firstmark Services to request a goodwill adjustment due to this temporary XXXX-related hardship and my otherwise positive payment history. Firstmark denied the request, stating that the credit reporting was accurate.

I am not disputing the factual accuracy of the reporting. I am respectfully requesting discretionary goodwill relief due to documented XXXX  hardship, the brief nature of the delinquency, and the prompt recovery of the account. I am asking that Firstmark Services review this matter at an executive level and consider removal of the XXXX and XX/XX/year> delinquency marks as a one-time courtesy. 

These late marks are creating ongoing hardship by preventing refinancing and removal of a cosigner, despite the account being current and stable.

Company response to consumer: Closed with explanation