vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
At XXXX XXXX I got a phone call which woke me up. The number was from XXXX my credit union. I was surprised and nervous, because it was early. The caller talked me through Stopping a scam transfer. In actuality they were talking me through putting money on a bank card, something I never do. I have taken a screenshot of the amount and time of incident. As I was getting to the end of the conversation, there were questions i refused to give the answer to. I hung up and called the credit union right back. They informed me that I hadnt been dealing with them. There was a XXXX deduction in my account. I am on XXXX. Those funds were needed for my bills. I immediately contacted Cash App. I put in a fraud claim. A few days later I got a message that my case was closed due to some strange reason. I contacted my credit union as well. They told me they would investigate the claim but i willingly made transfers. I havent been contacted again. I am behind in my monthly payments. Please help. I have no way of recovering from this. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Flexible Finance, Inc.
State: TX

Complaint narrative:
I am filing a formal complaint regarding ongoing problems with my Flex rental payment account. Since approximately XX/XX/year>, Flex has repeatedly withdrawn funds from my bank account while failing to properly cover the full amount of my rent obligations. These withdrawals have caused significant financial hardship, confusion, stress, and concern regarding the handling of my account. My concerns include : Repeated withdrawals from my account Failure to properly apply sufficient funds toward my rent payments Charges and fees that I believe may be improper or excessive Lack of clear accounting regarding where my money has been applied Financial hardship and risk to my housing stability Sincerely, XXXX XXXX XXXX XXXX XXXX, Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is a supplemental escalation referencing prior CFPB Complaint IDs XXXX and XXXX. My Citibank savings account has been restrained and is scheduled for remittance to a XXXX on XX/XX/XXXX. The restrained funds are pension-derived and legally exempt from execution under CPLR 5205 ( c ) ( 2 ). Citibank has knowledge of the exempt origin of these funds through its own internal transfer records ( Reference # XXXX, {$51000.00} transfer documented in account history ). This is the second occurrence. In XXXX, Citibank restrained and later released the same pension-derived funds without advance notice. Now in XXXX, Citibank is again processing a garnishment against exempt pension funds without honoring the exemption. Additionally, the Exemption Claim Form provided to me contains a materially inaccurate address that does not exist and is not my address. This defective notice impaired my ability to timely exercise my statutory exemption rights, in violation of CPLR 5222 and FDCPA 1692g. I am requesting immediate removal of the restraint and cancellation of the XX/XX/XXXX remittance.

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: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
My Chime account was suddenly scheduled to be closed on XX/XX/year>, without any explanation. I did not violate any terms, and Chime refuses to tell me why my account is being closed. I called support, and the representative told me she doesnt know why and that my account can not be re-enabled, with no further information. I currently have an active dispute investigation on my account that does not finish until XX/XX/year>. Closing my account before the dispute is resolved prevents me from receiving my refund. This closure date is premature and directly harms me financially. I am also dealing with an urgent housing crisis and eviction, and the dispute refund is needed for relocation and basic necessities. Chime told me that if the account closes, the funds will be mailed by check, but I do not have a stable mailing address right now. This makes it impossible for me to safely receive the refund. Chime refused to escalate my case to Risk Operations or provide a hardship exception. They gave me no valid reason for the closure and no way to access my pending dispute funds. This situation is causing severe and immediate financial harm. I am requesting that the CFPB review this issue and require Chime to pause or reverse the account closure until my dispute is complete and my funds are released.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
" I am filing a formal complaint regarding an illegal credit reinsertion on my credit file. An alleged collection account from XXXX XXXX ( managed by XXXX XXXX XXXX ), account number [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX was previously disputed and completely deleted from my credit history. Approximately one month ago, this item was unlawfully reinserted into my XXXX and Experian credit reports. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ), the credit bureaus were legally required to send me a physical, written Notice of Reinsertion within 5 business days of putting it back. It has now been a full month, and I have received absolutely no notice. Because the bureaus and the collector failed to comply with the mandatory 5-day federal notification law, this trade line is being reported unlawfully. Furthermore, I have no contractual agreement or direct contract with this third-party debt buyer. Desired Resolution : I demand the immediate, permanent deletion of this unlawfully reinserted {$770.00} XXXX XXXX account from both my XXXX and Experian credit reports. ''

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: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FinCo Services Inc DBA Current
State: PA

Complaint narrative:
I attempted to open a standard deposit account with Current. Due to a misleading user interface design ( " dark pattern '' ) that lacked clear disclosures and failed to separate distinct products, a secured " XXXX '' credit card line was established without my explicit intent, affirmative consent, or mutual assent. The card has never been activated, and no funds have ever been utilized. This unintended and unauthorized tradeline has already caused measurable material damage to my credit profile, dropping my credit score due to the artificial reduction in my average age of accounts. Furthermore, I maintain an exceptional, established credit profile with generous credit limits across major financial institutions ; a secured credit builder product is entirely inconsistent with my credit tier, underscoring that this was an anomaly caused by an interface flaw rather than a conscious consumer choice. I formally disputed this reporting directly with Current under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. I requested that they exercise their administrative authority to rescind the account ab initio and ensure complete erasure of the tradeline from XXXX, XXXX, and XXXX. Current 's front-line support team repeatedly stonewalled and dismissed my formal credit dispute, incorrectly applying boilerplate data privacy ( GLBA ) deletion templates to a credit reporting matter and flatly refusing to escalate the file to their Compliance or Legal Department . Because the furnisher refuses to correct an inaccurate reporting footprint that resulted from a deceptive interface, I am requesting that the CFPB compel Current to fully rescind this account and ensure the tradeline is completely deleted and erased from my history to make my credit profile whole again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this final and formal request demanding the immediate removal of all fraudulent, inaccurate, unauthorized, and harmful accounts, inquiries, and public records from my credit file. These items are being reported in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 605B, 607 ( b ), and 611 ( a ), you are legally required to block and delete any information that is fraudulent, unverified, or can not be substantiated within four ( 4 ) business days of receiving my supporting documentation. Any delay, failure to investigate, or continued reporting of this incorrect information will be considered willful noncompliance with federal law. I will pursue all remedies available under FCRA 616 and 617, including statutory, actual, and punitive damages. This serves as your final noticedelete all fraudulent and inaccurate data immediately or face further legal action.

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: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
To Whom It May Concern, I am requesting a goodwill adjustment regarding the redeemed repossession reporting on my Chase Auto account. In XX/XX/year>, I experienced a temporary financial hardship that led to the repossession of my vehicle. However, I took immediate action to redeem the vehicle and have remained current on my payments since that time. I fully acknowledge the difficulties I experienced during that period, but I worked hard to recover financially and maintain my obligations moving forward. Since redeeming the vehicle, I have demonstrated consistent and responsible payment behavior for over six months. I respectfully request that Chase Auto consider removing the repossession-related derogatory reporting from my credit reports as a gesture of goodwill. The continued reporting is significantly impacting my ability to rebuild financially despite my sustained positive payment history since the redemption. Additionally, I have concerns regarding account accuracy and the handling of my personal information following a data breach associated with my account. I value the opportunity to continue rebuilding my relationship with Chase and would greatly appreciate your consideration of this request. Thank you for your time and understanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells fargo changed my checking account and started charging me a monthly maintenance fee. I used to get the account free due to mortgage being held with the babk They refused to issue me a refund so I closed my 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: 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: MO

Complaint narrative:
I am filing this complaint regarding Citibanks handling of a billing dispute involving a {$12000.00} charge from XXXX XXXX, XXXX related to consulting services that were not rendered as contractually agreed. I timely disputed the charge with Citi and provided extensive supporting documentation, including the contracts, invoices, written termination notices, merchant correspondence, proof of payment, and detailed factual summaries outlining the merchants failure to provide contracted services. The underlying dispute involved substantial nonperformance by the merchant. Citi acknowledged receipt of my dispute and requested additional information, which I provided promptly and in detail. However, Citi failed to resolve the dispute within the required 90-day timeframe under the Fair Credit Billing Act ( FCBA ). More importantly, Citi failed to maintain meaningful communication during the process and failed to respond to additional written correspondence I sent by certified mail. On XX/XX/year>, after the dispute remained unresolved beyond 90 days, I sent Citi a formal USPS certified written follow-up requesting clarification and status regarding the investigation and unresolved dispute. Citi received this correspondence, but I never received any substantive response. The dispute involved a significant amount of money and extensive documentation, yet Citis handling of the matter has been marked by delay and apparent failure to properly investigate or communicate regarding the claim. Despite the extensive documentation provided, Citi failed to resolve the dispute in a timely manner and failed to adequately communicate the status or basis for its handling of the claim. I am requesting that CFPB review Citis handling of this billing dispute, including : 1. Failure to comply with FCBA timing requirements ; 2. Failure to adequately investigate the dispute ; 3. Failure to respond to certified written correspondence ; 4. Failure to provide clear status updates or explanations during the investigation process ; 5. Any improper denial or mishandling of the billing dispute. I am requesting a full review of the dispute and Citis compliance with applicable consumer protection and billing dispute regulations.

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: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I made a purchase through a Capital One Offers deals at Walmart. The shopping trip purchase did not track on the Capital One Offers portal. The shopping trip shows but no purchase shows. I called customer service and they could not offer any information for me and told me to check back in another 6 weeks. I have done that. There are no new updates. I did a screen record of enrolling in the offer and showing the entire shopping trip with purchase. I have that file available to upload as proof of purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-18 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am disputing a duplicate debit card transaction for {$1800.00} involving XXXX. Timeline : On XX/XX/XXXX, XXXX charged my Navy Federal debit card {$1800.00} for an order. On XX/XX/XXXX, XXXX issued a refund for the same amount after I returned the order. My transaction history reflects both the original charge and the refund. On XX/XX/XXXX, my account was charged again for {$1800.00}. This appeared to be a duplicate transaction. After contacting XXXX, XXXX representatives confirmed in writing that the XX/XX/XXXX charge was made in error and that a refund request had been processed. I submitted these written confirmations and supporting transaction screenshots to Navy Federal during the dispute process. Despite the documentation provided, Navy Federal denied my dispute and stated there was no evidence of cancellation or refund. I do not believe the investigation properly considered the merchants written admissions or the transaction timeline. Navy Federal also informed me that the provisional credit issued during the investigation would be reversed on XX/XX/XXXX. This matter has caused substantial financial hardship and stress during a period involving unemployment, a recent car accident, and graduation/commissioning obligations. I am requesting a proper reinvestigation of the duplicate transaction and suspension of the reversal pending review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
I got a message yesterday saying my account is closing and had no reason why to it. They say they did a search and see something that violated their rights. Im currently on the phone with a representative and Ive been on hold for 10 minutes. This is my 4th call cause everybody keep saying they cant help me or tell me why and hangs up. I havent did anything suspicious at all with my account I just get paid from my job that is it. I had a situation from a while ago where I called chime regarding a situation where my account was being charged and could possible be compromised and I asked how else to make sure they dont end up in my account again. Chime brushed it off and told me change my password and order a new card and thats it. Now my account is closed and I have a check coming tmr that I wont be able to access because they wont let me back In my account. I checked an Email and it says my account is negativemy account has spot me enabled which is a feature chime made. So my account would be negative and have extra overdraft fee free money in my account which is spot me. I was negative XXXX dollars with XXXX in spot me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: NC

Complaint narrative:
I have been a customer of Capital One for many years now and had the Capital One Venture Card. I decided that, given how much I travel, I should apply for the Capital One Venture X card. I applied for the Capital One Venture X Card during the week of XX/XX/XXXX and was immediately approved. I received my card and activated it during the week of XX/XX/XXXX. I used my card for groceries and tried to make another transaction but it was denied. I called customer service during the week XX/XX/XXXX and they told me they needed income and ID verification. I uploaded 4 bank statements and my NC drivers license. When I called today, XX/XX/XXXX, I was transferred to a Fraud Detection XXXX and they went through all my documents for almost an hour and came back to me and said my bank statement income does not match what I put in my application. The application asks for your gross income/salary so I put in ~ {$130000.00}. My actual salary is ~ {$130000.00}. They said it does not match because they have to go off bank statements and my bank statements indicate a smaller salary. My bank statements will never match the gross/salary i input because i have pre tax deductions and taxes that don't make it to my bank account. I asked them if I could upload my pay stubs from work that clearly show my salary and they said no. They offered me no way to fix this and just said my account would remain closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
My car was repossessed and sold on XX/XX/year> by Ally bank. The car was removed from a private large garage near me in the late night hours. This garage is private and you can not get into it without a key fab, I can not if I lose my key either. So I'm trying understand how they could've gotten into the garage without a key fab ... Im currently making arrangements for the balance with XXXX debt collector, XXXX, the deficiency amount but there has been no return of my property yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MO

Complaint narrative:
I paid off my federal student loans on XX/XX/year>. Despite the loans being paid in full, an additional automatic payment was still withdrawn afterward. On XX/XX/year>, I contacted MOHELA and requested a refund for the payment that was taken after payoff. I was informed that the refund request would be processed and that it could take up to 90 days. After more than 90 days passed without receiving the refund, I contacted MOHELA again. During that call, I was informed that although there were notes and a call log documenting my XX/XX/XXXX request, the refund request had never actually been submitted due to an internal error by MOHELA. A new refund request was then submitted on XX/XX/year>, and I was provided confirmation number XXXX. However, I was told I may need to wait up to an additional 90 days because the original request was never processed. I have since sent follow-up messages through MOHELAs message center requesting status updates, confirmation of processing, and information about whether the matter could be expedited due to the documented servicer error. I either received generic responses that did not address the issue or no response at all. I am submitting this complaint because the delay was caused by MOHELAs failure to process my original refund request, and I am now facing additional delays as a result of their error. I am requesting that the refund be processed as quickly as possible and that the matter be reviewed as a servicer error.

Company response to consumer: Untimely response