vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-17 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: FL

Complaint narrative:
On XX/XX/year>, I initiated a dispute for an unauthorized, fraudulent transaction totaling {$290.00}. In less than XXXX hoursentirely over a weekendChime summarily issued a denial notice for this claim. Under Electronic Fund Transfers ( Regulation XXXX ), XXXX XXXX XXXX XXXX, financial institutions are strictly required to conduct a thorough, " good-faith '' error resolution investigation. It is operationally impossible for Chime or its partner banks to have requested, received, and manually reviewed matching network or merchant data within a sub-XXXX-hour weekend timeframe. This rapid rejection indicates the use of an uncompliant automated system designed to systematically auto-deny consumer fraud claims without human oversight. When I contacted customer support on XX/XX/year>, to appeal the decision and declare severe financial hardship, representatives gave conflicting statements. First, an agent claimed the rapid denial was due to an internal error/glitch " on Chime 's end. '' Later, the position shifted to claiming Chime " had the evidence '' but refused to provide it immediately, stating I must wait up to XXXX business days to see the documentation. They refused to escalate the call to a supervisor or initiate a compliant reinvestigation. Chime can not utilize automated processing errors or systemic delays in document delivery to withhold a consumer 's funds, nor can they bypass their duty to investigate. This sudden, uninvestigated loss of {$290.00} has caused immediate, severe financial hardship, impeding my ability to cover basic living necessities. I demand that Chime immediately correct this compliance failure by reopening this claim into an active " Reinvestigation '' status, immediately issuing a temporary provisional/hardship credit of {$290.00} while a manual human audit takes place, and providing copies of all documents and transaction logs they relied upon to issue the initial subXXXXhour denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/XXXX we opened a XXXX XXXX branded credit card ( issued by Capital One ) to receive a promotional reward valued at 10 % of our purchase value. This was recommended by the sales associate because we were on the fence about the {$4200.00} sofa purchase. The promotion was for 10 % in-store rewards on purchases within 30 days OR 12 months of interest-free balance for the purchase. We chose the 10 % rewards and set up auto-pay for the card. On XX/XX/XXXX our first card payment was due and our balance was paid in full. When the rewards hadn't arrived in XXXX we inquired with the store who told us the rewards are not issued until after the sofa is delivered. After the sofa was delivered on XX/XX/XXXX we waited XXXX rewards cycles ( XX/XX/XXXX and XX/XX/XXXX ), but the rewards never arrived. Today ( XX/XX/XXXX ) we called XXXX XXXX customer service after concluding there was some kind of mistake. The customer service representative informed us that our transaction was marked as XXXX interest-free, and that we can not receive the 10 % rewards we were promised at time of purchase because the purchase was entered ( by the sales associate ) as interest-free. I explained that we had asked for the 10 % rewards at time of purchase and that we paid the full balance on-time, but the representative said there is nothing they can do. If this error is not corrected, we will have opened a new credit account for absolutely XXXX benefit. We received no rewards ( neither the promised 10 % nor the standard 5 % ), and we derived XXXX value from the unwanted 0 % APR since we paid the balance in full immediately. Ultimately, this clerical error penalized us, leaving us financially worse off than if we had simply used our standard 2 % cash-back card. We would not have opened the credit card or made the purchase at that price if the XXXX XXXX sales associate had not convinced us with the 10 % reward promotion. We should not lose the rewards we were promised because of the sales associate 's error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am filing a formal complaint against the debt buyer, Jefferson Capital Systems , LLC, for explicit violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. Section 1692e, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. Section 1681s-2. I sent a formal debt validation notice to this company demanding proof of their legal ownership of an alleged XXXX debt. I specifically requested the underlying signed contract and a certified Chain of Title or written Bill of Sale proving they legally purchased the rights to this specific account. In response, the company sent a correspondence dated XX/XX/XXXX, enclosing nothing but a photocopy of an old cell phone bill summary from XX/XX/XXXX. A past billing statement is merely an unauthenticated invoice ; it does not constitute a binding contract, nor does it prove that this third-party collection agency legally owns the account or has standing to report it to consumer reporting profiles. Furthermore, under the Illinois Collection Agency Act ( 225 ILCS 425/8.6 ), a debt buyer is strictly required to provide the date and proof of written assignment if challenged. Despite completely failing to produce the necessary legal chain of custody or underlying contract media to verify ownership, this company continues to maintain an active collection entry on my credit profiles, falsely representing the legal status and character of the debt. I demand that Jefferson Capital Systems , LLC immediately cease all collection activities, close this unverified file, and completely delete the associated tradelines from all credit bureau profiles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I leased a XXXX XXXX XXXX and made three over payments for {$750.00} The leased was expired and I returned the vehicle on XXXX to XXXX XXXX and got a new XXXX XXXX model. On the time of signing the contract I mentioned to lease agent the I made some extra {$750.00} overpayment and he mentioned that the XXXX financial will refund you this credit and it has nothing to do with the dealership. I contacted the XXXX XXXX more than 3 times and they refused to provide the refund or explanation of this refund. I mentioned that my account still shows credit and they should pay this money back and they refused and said that dealership included this amount in the lease which is a micropredation and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
I had a Cash App in XXXX that was closed by Cash App. They would not allow me access to the account. At the time- I had the device- phone and email as well as debit card to the account. They denied me access, and turned card off. I tried to verify several times but never allowed access. Now they have sent me a letter stating I needed to claim funds before it is sent to state comptroller- and I have tried on several occasions and they continue to state the can not help me. They do not put a reference number on the letter intentionally- so not provide contact info, and simply say contact support in the app- which I no longer have access to because they closed my account and wont allow me access. I would like to manually verify my identity and take out any and all funds from Cash App belonging to me under any phone or email I may have previously used. I made this request- and was denied. When was told to call support, they said they can not help me- wait for it to go to state and claim from the state.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
Upon checking my credit report, I noticed an unknown charge on my credit report that I did not authorize nor was I aware of this company or charge. I did/do not authorize this company to report on any credit reporting agency including XXXX, XXXX, and XXXX. Please remove and delete from credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: OH

Complaint narrative:
I am filing this complaint regarding an invalid medical/dental debt being collected on behalf of XXXX. XXXX completely ceased operations, shut down its platform, and terminated its customer care and lifetime guarantees. Because the company abruptly halted business and breached its contract, they failed to provide the full XXXX treatment, XXXX, and ongoing dental monitoring that I originally financed. Despite their permanent closure and failure to deliver the agreed-upon healthcare services, collections are still being attempted for a balance that is legally not owed. Trying to collect a debt on a canceled contract for unrendered medical services violates consumer protection laws.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
On XX/XX/XXXX, I emailed Synchrony Bank and sent via Certified Mail, a Formal Notice of Billing Error. The letter is as follows. Dear Synchrony Bank Billing Department, I am formally disputing the entire remaining balance of {$220.00} on this account under the Fair Credit Billing Act ( FCBA ) and the E-Sign Act. 1. Unauthorized Paperless Switch : My account was switched to paperless billing without my affirmative consent. This violated the E-Sign Act and prevented me from receiving monthly statements required by the Truth in Lending Act. 2. Debt Fully Satisfied : The original purchase was for {$600.00}. Since XX/XX/XXXX, I have made 22 monthly payments of {$30.00} via XXXX , totaling {$660.00}. I have already paid {$54.00} more than the original principal balance. 3. Interest Trap : Because Synchrony failed to provide paper statements, I was unaware that a residual balance remained or that the promotional period was ending. The current balance of {$220.00} consists entirely of deferred interest and finance charges that would not have accrued if I had received my billing statements as originally agreed. 4. Demand for Correction : I demand you waive the entire {$220.00} balance, restore my account to paper delivery, and mark this account as " Paid in Full ''. Please acknowledge receipt of this dispute within 30 days and provide a written resolution within 90 days. I have receipt showing that Synchrony Bank 's Agent received the letter via certified mail. I received via email on XX/XX/XXXX, that they had received an inquiry from me and to please give them up to 30 days to respond. I received via email on XX/XX/XXXX, saying that they sent everything to address on file please refer to next billing statement for payment due. I can provide copies of all of my documents if needed at a later time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
On XX/XX/2026, my mobile phone was stolen and my Robinhood account was subsequently compromised. The unauthorized party gained access to my account, changed security settings, added external bank/deposit accounts, and executed fraudulent transactions totaling over {$9000.00}, including approximately {$3100.00} in cash withdrawals and {$6300.00} in cryptocurrency sales. Additional unauthorized transfers from my XXXX XXXX XXXX account were also initiated. I received an alert during the incident and immediately attempted to freeze the account, but was unable to do so because authentication methods had been changed to the stolen device. My family attempted to contact Robinhood support during the active fraud period, but no timely live intervention occurred. By the time I reached support the following day, the unauthorized transactions had already been completed. Robinhood only responded after a post-incident appeal, which did not prevent or mitigate the losses. I am requesting full reimbursement of all unauthorized transactions, preservation and review of login/IP/device and transaction logs, investigation into how security credentials were changed following the device theft, and review of Robinhoods incident response time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
I had paid this account In full to restart my service with them, XXXX XXXX XXXX sold this account to a third party Collection services and XXXX XXXX and wouldnt remove it off my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
a collection agency ( Capital One ) is " re-aging an obsolete debt past the 7-year legal limit '' and that the credit bureaus failed to remove it during your dispute. They keep reselling is debt and it's now going on 12 years

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I am submitting this complaint regarding the permanent restriction of my PayPal account in XX/XX/year>. I have been a PayPal customer for approximately 12 years and, during that time, have relied on the platform for routine financial transactions without prior issues associated with this account. Because of that history, I was surprised and disappointed to have the account permanently restricted without a detailed explanation of the specific concern involved. The account was used primarily to receive rebate reimbursements related to retail consumer purchases. I was not operating any business or selling products. The activity reflected personal purchase-and-reimbursement transactions. What concerns me most is that the account appears to have been permanently limited without a meaningful opportunity to clarify the activity or provide supporting documentation beforehand. I understand that PayPal must enforce compliance and fraud-prevention policies, but I believe long-standing customers should be given a fair opportunity for individualized review where legitimate documentation exists. I am fully willing to cooperate and provide records supporting the legitimacy of the activity, including transaction history, purchase documentation, and any additional information requested. I understand that, in some situations, accounts have been reinstated after additional documentation and manual review were completed, and I respectfully request the same opportunity here. I am requesting : * A detailed explanation of the reason for the permanent restriction * A manual review of the account and transaction activity * The opportunity to submit supporting documentation * Reconsideration of the limitation I respectfully ask that this matter be reviewed individually and in full context rather than solely through an automated or preliminary risk determination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-17 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: CA

Complaint narrative:
My Citi XXXX XXXX account was compromised through unauthorized access. A fraudster added an external bank account and redeemed my ThankYou points without my authorization. After investigation, Citi confirmed the activity was fraudulent, reopened my account, and reinstated my XXXX ThankYou points. Shortly afterward, Citi closed the account again due to internal/system issues related to the same previously confirmed fraud activity. Citi later refused to reopen the account. Citi is now denying me access to the ThankYou points that had already been reinstated following its fraud investigation. Citi also stated that I can not request reinstatement of the points unless the account is reopened, while simultaneously refusing to reopen the 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 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My bank account was debited {$1800.00} through XXXX XXXX without my authorization on XX/XX/year>. You can see the attempts to add {$2000.00} into the XXXX XXXX account twice. Get denied for not enough funds until it was able to confirm {$1800.00}. I reported the fraud immediately to both Wells Fargo and XXXX XXXX. Both companies denied my claims despite this being an unauthorized electronic fund transfer under Regulation E of the Electronic Fund Transfer Act. The transfer was initiated after my XXXX XXXX account was compromised. I did not authorize the withdrawal from my bank account or the transfer of funds. I am requesting reimbursement and a proper Regulation E investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. Auto Credit Corporation
State: GA

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as US AUTO XXXX - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that this company has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile. and I can't get approved for a home loan, car loan or credit limit increases and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Hi. XXXX has done this TWICE now. Ive been trying to obtain a credit card previously in the fall of XXXX and now most recently XX/XX/XXXX. In the fall the tried to claim they couldnt verify personal information yet they had documentation uploaded on various occasions. Then this time they approved my application, mailed me a card and then one the card was activated sent me a letter saying theyre closing my account and reporting my account to the credit bureau . I expect any discover reporting against my credit be removed in pair with any credit inquiries, hard inquiries by discover should all be removed considering theyve approved each time and then forcefully closed the account once without providing a card or opportunity and the second due to awaiting activation to then apparently retract the limit. Considering this is predatory behavior on discovers behalf with sending invites upon invites and Im XXXX trying to build my credit this is seems to be predatory and taking advantage of a young applicant underneath the EOAC & FDCAP acts. Appreciate your time and review of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Aligned Company DBA Extra
State: GA

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as EXTRA - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under XXXX XXXX. XXXX ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under XXXX XXXX. XXXX ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that this company has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation