vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: U.S. BANCORP
State: WA

Complaint narrative:
I am filing a complaint regarding XXXX XXXX XXXX handling of a billing dispute on my XXXX XXXX XXXX card ( Case ID : # XXXX ). 

I disputed a charge of {$130.00} from XXXX XXXX A Car ( XXXX XXXX XXXX ) for XXXX XXXX XXXX XXXX XXXX XXXX, an optional insurance product that was added without my informed consent. 

At the rental counter, the agent asked me only, Do you want XXXX, XXXX, or the XXXX? I was never informed that declining XXXX entirely was an option, despite the rental agreement explicitly stating that the purchase of XXXX is optional. Based on this phrasing, I reasonably understood the XXXX to mean no optional insurance. I have personal auto insurance and did not intend to purchase XXXX. 

The printed contract showing XXXX selection and cost was not provided until after I initialed. Upon reviewing the contract immediately after pickup, I discovered that XXXX had been added. I contacted XXXX immediately to request removal, but XXXX refused, citing only that I had initialed. I also attempted to contact XXXX using the operations XXXX email address listed in the contract ; that address bounced. 

Despite this documentation and my immediate objection, XXXX XXXX denied my dispute on the basis that I received the services represented by the transaction, without addressing the lack of informed consent, misleading sales presentation, or the fact that XXXX was optional under the contract. 

XXXX decision treats the mere existence of coverage as authorization, even where the coverage was added through misleading verbal framing and without disclosure of material terms prior to assent. I believe this fails to meet fair consumer-protection standards and improperly limits dispute resolution to a narrow procedural rule rather than evaluating whether the charge was knowingly authorized. 

I am requesting that XXXX XXXX XXXX reconsider the dispute and credit the {$130.00} LDW charge that was added without informed consent.

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 2026-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Credit Karma, LLC
State: MD

Complaint narrative:
I applied for a consolidation loan to help pay for my credit card due to high interest rates. I used Credit Karma to apply, which I was able to receive, however, ever since then, I kept getting new calls from other loan companies that it is starting to hinder who I need to call to make a payment. Ive been getting 10+ calls a day and I tried reporting the calls as spam and blocking them but they keep coming in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service
State: NC

Complaint narrative:
I am formally demanding that AAFES reopen and conduct a full fraud investigation into the XXXX XXXX and accounts being attributed to me. Your continued refusal to do so, despite substantial evidence of identity theft, constitutes procedural error and violates federal consumer protection law. 

I did not open these accounts. I did not authorize their creation. At the time the accounts were opened ( XXXX XXXX  ), I had just graduated high school, had no affiliation with the U.S. military, and lacked legal capacity or eligibility to independently obtain Exchange credit. These accounts were fraudulently opened using my personal information without my knowledge or consent. 

You have asserted liability based on a claimed signature match and the presence of authorized users. This position is legally insufficient. Under federal law, fraudulent accounts remain invalid regardless of alleged signature similarity, especially where identity theft, or forgery by a parent or third party is alleged. 

Your position violates, but is not limited to, the following laws : Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) Furnishers must conduct a reasonable reinvestigation of disputed information and may not continue collecting unverifiable or inaccurate debt.

15 U.S.C. 1681s-2 ( b ) Requires reinvestigation upon notice of dispute ; refusal to reopen after new evidence constitutes non-compliance.

Fair Debt Collection Practices Act ( 15 U.S.C. 1692e & 1692f ) Prohibits false representation of legal obligation and unfair collection practices.

Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) Establishes that debts resulting from identity theft are void and unenforceable against the victim.

DoD Financial Management Regulation ( DoD 7000.14-R ) Requires accuracy, fairness, and lawful debt determination for government collections.

Further, asserting that I would list my mothers boyfriend as an authorized user on an account I allegedly opened for myself is illogical and inconsistent with normal consumer behavior. This contradiction alone warrants reopening and escalation of the investigation.

Your prior assertion that this is a civil matter does not negate your legal obligation to correct fraudulently attributed debt.

FORMAL DEMAND I hereby demand that AAFES : 1. Immediately reopen and conduct a full fraud reinvestigation 2. Cease all collection activity pending investigation 3. Recall the account from XXXX XXXX XXXX XXXX. 
4. Remove all credit reporting related to these accounts 5. Refund any funds or tax offsets wrongfully collected 6. Provide written confirmation of the investigation outcome

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 2026-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Credit Karma, LLC
State: MD

Complaint narrative:
I used credit karma to apply for a consolidation loan and already received it. Ever since then, Ive received nonstop calls from multiple lenders. I reported them as spam, yet it keeps coming in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I was charged {$210.00} from my PayPal balance for a subscription that I canceled immediately after the charge posted. I did not receive meaningful access to or use of the service. The merchant refused a refund, and PayPal denied my dispute stating the transaction was processed correctly, without addressing fairness, lack of usage, or immediate cancellation. 

Because the funds were taken directly from my PayPal balance, I have no chargeback rights through a bank or card. I am requesting PayPal provide a courtesy refund or reversal for this unfair billing practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Self Financial Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX I need to file a complaint on this bank account owner to have their account investigated and punishment and action taken against their account for not sending me my legal documents to my account by XXXX everytime I send them a message asking them if they are done with my legal documents they see my message by reading it or dont see it or if they see it they dont respond and their bank account information is To is this bank account Account Name : XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX  Account Number : XXXX Routing Number : XXXX Account Type : Personal Checking Bank Address : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX, XXXX Please investigate their account and punishment it and take action against it by restricting it and suspend it and put a hold or a block on it and terminate their banking relationship with yall to them and closed their account out or accounts out and reverse my payment I send to them by external transfer and send it back to my bank account the transfer information is XX/XX/year> Completed * XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - * XXXX {$68.00} One-Time Transfer And my full checking account number is Full account number XXXX and router number is XXXX and I already file a dispute with my bank on the transfer but the claim dispute number is XXXX etc. 
Please look at my attachment picture and zip file by unzipping for proof etc. 
Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I am filing a complaint regarding American Expresss refusal to assist with a charge related to defective merchandise and merchant failure.

On or about XX/XX/year>, I purchased a sofa set from XXXX XXXX XXXX in XXXX, North Carolina, totaling {$7000.00}. The furniture developed material and manufacturing defects shortly after delivery, including discoloration and premature leather wear across multiple sections. 

I contacted XXXX XXXX XXXX, and the merchant acknowledged the defect and promised a replacement. Over several months, I was repeatedly told the item was out of stock and to continue waiting. I relied on these assurances in good faith and therefore did not immediately dispute the charge. 

XXXX XXXX XXXX has since declared bankruptcy and closed stores, and no replacement or refund was ever provided. The transaction remains unresolved. 

I contacted American Express multiple times to request assistance due to merchant failure and insolvency, but American Express declined to help, citing the passage of time, despite the issue being ongoing and caused by the merchants repeated delays and eventual bankruptcy. 

I am requesting that American Express review this matter under merchant failure/insolvency protections and provide appropriate relief or reconsideration, given the unresolved defective merchandise and the merchants inability to fulfill its obligations..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: IL

Complaint narrative:
On XX/XX/, unauthorized electronic fund transfers totaling {$1400.00} were processed through my Cash App account and funded by my XXXX XXXX XXXX account. I did not authorize, initiate, or approve these transactions, and I do not know the recipient. 

Immediately prior to the transactions, at approximately XXXX XXXX, I received an incoming call displaying Cash Apps toll-free number. The automated message stated that a transaction was being processed and asked whether I authorized it. I explicitly denied authorization. Despite this denial, three transactions were processed moments later. I reported the fraud the same day and have call-log screenshots confirming both the incoming fraud-alert call and my prompt outbound call reporting the unauthorized activity. 

I have only one phone and one device associated with my account, which has remained in my possession at all times. My mobile carrier has confirmed there was no SIM swap, port-out, or unusual account activity. These facts are consistent with impersonation-based or session-level fraud and inconsistent with authorized consumer activity. 

Cash App denied my dispute without addressing the fraud-alert call, my explicit denial of authorization, the timing between the call and the transactions, or my immediate reporting. XXXX XXXX XXXX also denied my dispute, concluding the charges were authorized based on merchant completion, without determining whether I furnished authorization as required under the Electronic Fund Transfer Act and Regulation E. 

Merchant completion or peer-to-peer classification does not establish consumer authorization. Authorization was expressly denied, and the transfers were reported promptly. I requested reevaluation and asked for the documentation relied upon in the decision. 

I am requesting CFPB assistance to ensure a proper, evidence-based review and compliance with Regulation E, including reconsideration of authorization, review of call logs and timestamps, and reversal of the unauthorized transfers. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: GA

Complaint narrative:
Good morning Please look into XXXX interest rates, their faulty chat system, customer service and balance resolutions. 

1 ) Interest rates : extremely high and I have had my card over XXXX years 2 ) Their chat system is def the least helpful. I follow instructions by responding promptly and not clicking out and their system always kick me out ( suspiciously when Im asking questions about lowering balances and plans ) 3 ) If Im asking for options to settle on a balance, balance reduction etc without even addressing my Question responding with we will go ahead and set up your automatic payment is diabolical. I make my payments on time, stay focused. Dont offer something that has nothing to do with While Im calling and I feel like that alone is fraud/ scam manipulation at the least 4 ) Balance reset : Stating I have no options of settlement, balance decrease or balance forgiveness is crazy when you can check my history to see how loyal of a customer I am. Its also insane that theres no options for me at all because I used a payment plan in past ( in which I completed correctly ). They didnt mention how you can roll over balance to other cards or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I sold a used item locally via XXXX XXXX on XX/XX/year> that was clearly disclosed as needing repair and sold AS-IS. The buyer acknowledged the condition in writing prior to payment and inspected the item at pickup. 

XXXX system repeatedly prevented me from uploading evidence due to technical issues and routed me only to buyer-facing dispute pages. Despite this, XXXX  ruled against me and created a negative balance of {$200.00}. 

I am disputing the fairness of this decision due to lack of proper evidence review and denial of a meaningful opportunity to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: CA

Complaint narrative:
I am submitting this complaint regarding a billing error by Volkswagen Credit related to my XXXX vehicle loan. 

I requested Volkswagen Credit to defer my XX/XX/XXXX and XX/XX/XXXX auto loan lease payments. 

Despite this, I am still being billed for XX/XX/XXXX, and XX/XX/XXXX. I have contacted Volkswagen Credit multiple times via phone and their online messaging center, but they refuse to adjust my billing statement to reflect the proper due date of XX/XX/XXXX. 

This is causing incorrect billing and potential negative impact on my account, despite my prior approved deferral. I am requesting that the CFPB investigate this matter, require Volkswagen Credit to correct my billing, and ensure that the deferred payments are properly reflected on my account. 

I'm also being charge a late fee for XX/XX/XXXX payment even though it's not supposed to be due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
I got approved for the borrowers defense I went to the XXXX XXXXXXXX XXXX XXXX. My loans got discharged XX/XX/year>, Ive called to find out why the interest is still showing on my account I reached out on XX/XX/XXXX the supervisor advised me it takes 7-10 business days, but advised me to call back so I called back on the XXXX still no updated but another supervisor out in another request she said give it 3-5 business days. But I have called prior to the XXXX & no one has a clear answer on why its still showing, when its going to get removed or why its even up there

Company response to consumer: Untimely response
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Incorrect fees / Late fee charged in error Mr. Cooper ( Nationstar Mortgage LLC / XXXX XXXX ) I am submitting this complaint regarding an improper {$240.00} late fee that was charged and collected by my mortgage servicer, Mr. Cooper ( Nationstar Mortgage LLC / XXXX XXXX ), during an active refinance. 

I was in the process of refinancing my mortgage with XXXX XXXX. The refinance was originally scheduled to close in XX/XX/XXXX, but due to circumstances outside my control, the closing was delayed and ultimately completed on XX/XX/XXXX. 

Because the refinance timing overlapped with my XXXX payment due date, I proactively contacted Mr. Cooper customer service multiple times prior to the due date. During those calls, I was explicitly assured that late fees would be waived, as a payoff was expected imminently due to the refinance. 

Despite these assurances, my account was assessed a late fee of {$240.00} after XX/XX/XXXX. This late fee was then included in the payoff amount and paid on XX/XX/XXXX as part of the refinance. I had no practical ability to dispute or avoid this charge because it was rolled into the payoff. 

I relied in good faith on representations made by customer service. The refinance delay was not due to borrower negligence, and I took reasonable steps to prevent any late charges by communicating with the servicer in advance. A fee paid as part of a mandatory payoff is not voluntary. 

I received verbal assurances from Mr. Cooper customer service that late fees would be waived due to an imminent refinance payoff. The refinance delay was outside my control. The late fee was assessed anyway and collected involuntarily through the payoff. 

This constitutes unfair servicing and billing practices and failure to honor representations made to the borrower. 


Additional Information ( Optional but Helpful ) Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX, MD XXXX Payoff Date : XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: NC

Complaint narrative:
After being a regular longtime business cardholder with Capital One, we were abruptly shutdown without warning. We were given some vague reasoning " Capital One has observed activity on this small business Capital One account that is inconsistent with typical small business account usage. '' Although our spend and balances have been consistent for years and purchase activity from vendors have been the same over that time. 
In addition, Capital One forfeited approximately {$7000.00} in our cashback rewards of 2 % which was tied directly to the spending we do monthly. 
We also had close to XXXX in earned miles forfeited by the bank. 
We did not receive any advance notice to allow us to cash out our rightfully earned balances. 
There was no inquiries from the bank regarding any transactions. 
In fact, we provided a thorough accounting from our business which included bank statement and a multitude of other financial document in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
On or about XXXX XXXX, I sent {$990.00} through my Chime account to an individual who was posing as a legitimate clothing manufacturer located in XXXX. I was referred through XXXX and contacted online. 

The individual provided fake factory images and false representations that they would manufacture clothing for my business. Based on these false statements, I authorized the payment. 

After payment was sent, no products were delivered. The individual repeatedly delayed, failed to provide valid tracking information, and eventually stopped responding. 

I later determined that this was an international online fraud scheme and that the business was not legitimate. 

I contacted Chime and reported the transaction as fraud. I provided screenshots, payment confirmation, and supporting documentation. I also filed reports with the FBI Internet Crime Complaint Center ( IC3 ) and the Federal Trade Commission ( FTC ). 

Despite this documentation, Chime denied reimbursement and stated that no formal appeal process exists. Chime did not provide a written explanation or evidence of a meaningful investigation. 

This payment was authorized only because of intentional deception and false representations. I am requesting a full review of this case, reimbursement of {$990.00}, and a written explanation of Chimes investigation and decision.

Company response to consumer: Closed with explanation