vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-15 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: MD

Complaint narrative:
I contacted Chime on XXXX/XXXX/XXXX and informed them of the fraudulent transactions that were made onto my account. I informed Chime that I had already contacted the merchants weeks prior and sent them a copy of my ID to show it was not me making them purchases. I provided these same documents to Chime. XXXX hours later a decision was made and denied my claim. No investigation was fully completed and the evidence used was a screenshot of my statement. The statement shows no pin used. This seems to be an ongoing issue with Chime as they have many negative comments about the same situation as mine. As a consumer I dont feel my money is protected with this company as they allow anyone to steal from your account and give no protection to the consumers who rely on that same protection when applying for their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Starmark Financial LLC
State: TX

Complaint narrative:
Good day, I am disputing a collection account that is unverified and does not belong to me. I have been subjected to repeated harassment and threats regarding a debt I neither authorized nor owe. This conduct is unacceptable and violates my rights as a consumer.

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 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: OH

Complaint narrative:
Non communication under laws governing debt collection

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NY

Complaint narrative:
This is the third time I opened an account with U.S. Bank and they flagged my mobile check deposit. Instead of verifying with me they just close my whole 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 2026-05-15 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: TX

Complaint narrative:
I received a text message about a charge denied on my card. I received a call right a! er that said Wells Fargo, I picked up and they said there was someone trying to process transactions from XXXX XXXX XXXX, asking if I was there. XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX Page XXXX of XXXX They asked if I was my name, if my account ended in the last XXXX numbers of my account, and started listing o '' the actual transactions that were on my banking account as I was seeing them on my banking app. I confirmed those were charges on my card. They said they just needed to confirm a code sent to my phone which I read aloud. Last year the same thing happened and they halted my account because someone was attempting to process charges on my card and they asked the same information. They told me that a {$2000.00} hold was being placed on my account. I received an email from Wells Fargo that my withdrawal limit had been extended to XXXX and a charge for XXXX at an ATM showed up on my account. They stated they were halting my account and sending me a new card to my address which they read aloud to confirm, then said it was going to reach me in XXXX business days. They hung up, and that charge was on my account for an ATM. I looked up the Wells Fargo fraud dept and called them, they told me I was not speaking with a representative, and they had skimmed my card. I filed a claim, but I have to wait XXXX days to see what they say and the money has been taken from my account, leaving me with {$500.00} to pay all of my bills.

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 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In XX/XX/XXXX, I opened a check account with BMO Bank. On XX/XX/XXXX, my account was under review. I called to inquire about the reason, but the customer service was unable to provide an explanation and informed me that the remaining funds would be sent by check to my reserved address after the review was completed. Then, on XX/XX/XXXX, the account review was finished. On XX/XX/XXXX, I called to inform the customer service that I had moved and could no longer receive checks at my original address. After the customer service registered a new address, they said that the original checks were voided and that new checks would be received in XXXX weeks. On XX/XX/XXXX, when I called to check the progress of the check delivery, the customer service informed me that it had not been sent yet and that the new address had not been successfully updated. Therefore, I provided a new address again, and the customer service stated that the checks would be sent to the new address in XXXX weeks. As of XX/XX/XXXX, I still have not received my checks. I have seen on some forums cases where BMO Bank has not delivered checks to customers on multiple occasions, intending to embezzle their funds. Therefore, I hope that relevant institutions will conduct investigations and supervise and manage BMO Bank 's financial activities.

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 2026-05-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: WI

Complaint narrative:
I applied for a personal installment loan with OneMain Financial. I explicitly declined all optional add-on products ( such as insurance and roadside protection packages ) over the phone. Immediately after I refused to pay these extra fees, the lender blocked my online application access under the guise of an 'identity verification error ' and stated I must come to a physical branch. The company is intentionally blocking my digital account to force me into a high-pressure, in-store sales environment to bundle products I already declined

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Good day, I am disputing a collection account that is unverified and does not belong to me. I have been subjected to repeated harassment and threats regarding a debt I neither authorized nor owe. This conduct is unacceptable and violates my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Opened the account in early XXXX, received the account credentials as I waited for the card XX/XX/XXXX. XXXX to correct the address that I hadnt given them nor used but showed on the profile. XXXX arrived XX/XX/XXXX, activated anf used for gas at which point they closed/restricted for suspicious activity. Asked immediately what activity i was veing suspected of. The XXXX setvice/fraud agent and various supervisors refused to engage me. Filed complaint, they attempted a single call XX/XX/XXXX by their record and never left an email or voicemail. I was in the emergency room. They waited until the case was closed to admit that THEY had altered my profile and that that was the suspicious activity. Have since asked the case to be escalated to the XXXX to which not a single call had been attempted. They also submitted a request to use " active military benefits '' despute my never requesting and have triggered a federal investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX the edited version replacing XXXX XXXX XXXX with Midland Credit Management while keeping the rest of your complaint intact : I am filing a complaint regarding Midland Credit Managements failure to properly validate an alleged debt. I sent XXXX written requests for debt validation in XX/XX/XXXX and again on XX/XX/XXXX. In those requests, I specifically asked the company to provide documentation supporting the debt, including a written agreement bearing my signature showing that I have a contractual obligation, as well as proof of the amount owed and documentation establishing their legal right to collect, including details of any assignment or purchase of the account. Despite these requests, the company failed to provide the requested documentation. Instead, they only provided minimal account updates, including changes reported to the credit bureaus. On XX/XX/XXXX, after receiving no proper validation, I sent a formal notice of failure to validate and requested that the account be removed from my credit report. Since that time, the only response I have received is an update to the account opening date, which does not constitute proper validation of the debt. This conduct appears to violate the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), which requires a debt collector to provide adequate verification of a debt upon request, as well as the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires accurate and verifiable reporting. Because the company has failed to provide sufficient validation and continues to report this account, I am requesting that this account be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/year>, I sent approximately {$2100.00} through XXXX from my Navy Federal account for credit repair and tradeline services. The individual promised removals, tradelines, and updates within a certain timeframe and repeatedly delayed communication while continuing to promise results. Despite multiple requests for updates, proof of services, posting dates, and refunds, my services were never completed. My tradelines never posted and my credit profile was not updated as agreed. I requested a refund directly from the individual multiple times by text message and did not receive one. I provided Navy Federal with screenshots, payment confirmations, communications, and proof of my attempts to resolve the matter. However, my dispute was denied. I am requesting review of how this XXXX dispute was handled and assistance regarding this transaction because the agreed services were not provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 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: VA

Complaint narrative:
b'Name: XXXX XXXX \nCashtag: XXXX\nEmail: XXXX\n\nMY PHONE, wallet, pin information, and XXXX XXXX was stolen multiple times XXXX. While device was stolen each time various unauthorized transactions appeared on my account. I previously opened a claim with CFPB and disputes through cashapp and was denied. The transactions are completely unauthorized and not made by me or anyone I know. I use an XXXX XXXX was stolen and had to be replaced XXXX times here are the dates I reported device stolen: XXXX XXXX XXXX and My XXXX XXXX was stolen XXXX My wallet with pin and password information inside was stolen each time my phone was I filed a police report on each time my device was stolen and unauthorized charges appeared they used my cashapp to steal money from my account using withdrawals with unknown debit cards The unauthorized charges are:\n\nXXXX WITHDRAWAL/CASHOUTXXXX\n\nXXXX WITHDRAWAL/CASHOUTXXXX\n\nXXXX WITHDRAWAL/CASHOUT:XXXX\n\nXXXX WITHDRAWAL/CASHOUT:XXXX\n\nXXXX WITHDRAWAL/CASHOUT:XXXX'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I am refiling this complaint regarding an unauthorized credit card charge in the amount of {$620.00} from merchant XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX dated XX/XX/year>. I disputed this transaction with Comenity Bank because I did not authorize the charge and was not present in XXXX, XXXX at the time of the transaction. I have travel records, itinerary information, and photographs showing I was in XXXX, XXXX that day participating in scheduled tours. I never visited XXXX, XXXX. Comenity denied my fraud claim and advised that the transaction was completed using my chip card. However, the company has never provided any written explanation or documentation supporting how it determined the charge was authorized despite my requests for that information. I previously submitted a CFPB complaint and was advised that Comenity would provide a written response regarding the outcome of the fraud investigation. Although I was later told a determination had been made, I never received the promised written explanation or supporting documentation. My concern is not only the denial of the fraud claim, but also Comenitys failure to provide a meaningful explanation of its investigation findings or evidence relied upon in denying the claim. I am requesting that Comenity : 1. Reopen and reevaluate the fraud investigation ; 2. Provide written documentation supporting its determination ; 3. Explain the basis for concluding the transaction was authorized ; and 4. Review the attached evidence demonstrating I was not present at the merchant location where the transaction allegedly occurred. !

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-15 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I ordered from XXXX in XXXX for {$610.00} and never received the merchandise. The owner stated multiple times that the credit is coming and it has never come. Citibank after XXXX months said I am responsible for the charge. When I contacted Citi they stated the merchant said he delivered the product. Where is the proof. The merchant has numerous reviews stating he is a scammer and does not deliver the order.Merchant owner has continued to lie about inventory, employees not doing their job and refund date

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 2026-05-15 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have a Venmo account and they decided to close my account with no reason and my money that was deposited in the account was my work payment and they are not releasing it or responding and refusing to speak to me or pay me back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: AL

Complaint narrative:
Account Badcock XXXX XXXX XXXX XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXXXXXX XXXX XXXX XXXX XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I attempted to send {$320.00}. to a friend, XXXX XXXX on XX/XX/XXXX. I sent it to a " XXXX XXXX '' that was shown in my Paypal account. I had sent money before to my friend. When my friend reported to me he had not received the payment, I looked further into my Paypal account and discovered that my friend 's name was listed, but there was another listing for a XXXX XXXX that had somehow been put into my account. The fraudulent XXXX XXXX 's name was near the top of the list of past recipients, while my friend 's name was not visible unless you clicked to be able to see all past recipients. I had no reason to think that the XXXX XXXX I sent money to was not my friend. -- -- -- - Because Paypal did not prevent a fraudster from inputting his name into my account, I believe they are responsible for this fraud. In the past, I have sent money to my friend XXXX XXXX, and had no reason to suspect or know that a " fake '' XXXX XXXX would be listed as a former payee in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Good day, I am disputing a collection account that is unverified and does not belong to me. I have been subjected to repeated harassment and threats regarding a debt I neither authorized nor owe. This conduct is unacceptable and violates my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
Even When I Locked My Credit Card Purchases Still Were Being Made ( XXXX ) For XXXX. Also When I Try To Pay Off Some Of The Balance It Gets Returned

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There was a fraudulent inquiry from wella fargo on XX/XX/year> that was not authorized by me never applied

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 2026-05-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
Citizens Bank verified for XXXX consecutive months that my checking account met all criteria for their sign-up promotion. At the time of payout, they denied the bonus and attempted to close the account without justification. However, the account remains open, active, and in good standing with a positive balance. The bank is using contradictory system statuses to wrongfully deny a verified promotional bonus. I request a manual XXXX review to credit the missing promotional funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been a Capital One customer for 3 years. On XX/XX/XXXX and XX/XX/year>, I attempted to pay my outstanding balance. Both payments failed. Each time I called the bank I was told the payment is in process and no action is needed from my end. Then, I received no warning, no notice, and no opportunity to resolve the situation through other means such as an increased credit limit or alternative payment arrangement. On XX/XX/XXXX, I successfully paid my full outstanding balance. Capital One accepted this payment in full. Immediately after accepting my payment, Capital One closed my account without notice, citing " fraudulent activity '' which they have refused to specify, evidence, or provide in writing. They also forfeited {$410.00} in rewards I legitimately earned over 3 years of card usage. When I called to dispute this, the representative XXXX refused to escalate my call, stating this is something done by the back office and he can not override this and refused to provide any written explanation of the alleged fraud. I am requesting Capital One reinstate my {$410.00} in earned rewards or issue them as a check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
A 15 U.S.C. 1692c ( c ) letter ( Cease and Desist Letter ) notifies a debt collector to stop contacting you, as mandated by the Fair Debt Collection Practices Act. Once the collector receives this written notice, they must stop all communications except to confirm termination or advise of specific legal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation