vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-05 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:
I am filing this complaint because Chime refused to open or investigate a dispute for funds I paid for services that were never provided.

I paid {$420.00} through Chime to an individual for tattoo services that were scheduled multiple times. The service provider canceled or failed to show up repeatedly and ultimately never provided any services at all. After multiple no-shows and lack of communication, I requested a full refund.

I contacted Chime to dispute the transaction under non-delivery of services, but I was told that Chime would not open a dispute or investigate the transaction at all because it was a peer-to-peer payment. I believe this refusal leaves me without reasonable consumer protection, despite clear evidence that the service was never rendered.

To protect myself, I have : Filed a police report documenting the repeated no-shows and failure to provide services Filed disputes with other payment platforms involved Retained documentation including payment receipts, text messages, missed appointment times, and refund requests I am requesting that Chime : Reopen and review my dispute under non-delivery of services, and Provide appropriate reimbursement or a written explanation consistent with consumer protection standards.

I am not disputing an authorized transaction due to buyers remorse I am disputing a transaction where no services were ever provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Debt has been paid in full, don't understand why I'm getting collection notices.

I have proof from the hospital that balance is zero.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I purchased a pair of glasses from XXXX and received one as a gift ( buy one get one free promotion ). After receiving the items, I immediately checked them and found that one pair had defectsscratches on both arms of the glassesand the gifted pair was too small for my face. I took photos and contacted them via email. They agreed to exchange both pairs for new ones and provided a return label. I promptly returned both pairs right after receiving the return label. 

I waited more than XXXX weeks and sent multiple emails asking about the replacement pairs or a refund, but they never responded. With no reply from them, I reported the issue to Capital One. Later, they emailed me saying they only received one pair back, not two. Up to now, I still haven't received any replacement glasses or a refund. 

I then contacted my credit card issuer, Capital One, to open a dispute for assistance. After opening the case, they closed it and ruled against me, saying I have to bear the responsibility and pay the {$210.00}. They only sent an email stating that I had received the goods, so they decided in the seller 's favor. 

The problem here is that Capital One handled it unprofessionally and did not thoroughly review my complaint. I admit I received the items, but they were defective, so I returned them. I have photos and all the email correspondence with XXXX, but Capital One did not consider that evidence. Currently, I haven't received any glasses back, yet Capital One ruled against me, and I have to pay the {$210.00}. Capital One did not fulfill their responsibility to properly protect the customer 's rights. I feel like I've been scammedlosing both the product and the money. 

Please help me resolve this issue. I would be very grateful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Carvana Group, LLC
State: GA

Complaint narrative:
I have an active auto loan for a vehicle I never took possession of. The loan was funded, and my lender shows me as the owner despite the vehicle never being delivered or picked up. 

Carvana has failed to return the lenders funds and has provided inconsistent information regarding their Treasury Operations availability. This has already caused a negative impact to my credit. 

The vehicle is still listed as available for sale, confirming I do not own it. I am requesting immediate correction, confirmation that the loan is voided, funds returned to my lender, and correction of any credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I went into XXXXXXXX XXXX XXXX  XX/XX/year> in XXXX XXXX XXXX tx to purchase a bed after selecting my bed I asked about financing options the salesmen told me to input my info into his tablet to see my options nothing on the screen explained that it was a credit card application nor did the man helping me state that it was a credit card application after hitting submit which I was led to believe would simply display my options and what I was pre approved for it simply stated I was approved and am receiving a credit card after I explicitly said I did not want and the man helping told me I would not be getting

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 2026-01-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Volvo Car Financial Services U.S., LLC
State: GA

Complaint narrative:
I am filing this complaint against Volvo Car Financial Services ( VCFS ) for systematic billing errors, failure to acknowledge the termination of a lease agreement, and a subsequent wrongful repossession of a secondary vehicle. Despite my exhaustive efforts to resolve these discrepancies over a six-month period, VCFS has failed to correct my account, resulting in severe damage to my credit standing and financial stability. 
Statement of Facts Vehicle Exchange : On XX/XX/XXXX, I returned my leased XXXX XXXX XXXX to the authorized dealership, Volvo Cars Marietta ( GA ). On the same day, I executed a new lease agreement for a XXXX XXXX XXXX XXXX XXXX. 

Billing Discrepancies : Following the return, VCFS continued to bill me for the 2023 vehicle for XX/XX/XXXX and subsequent months, while simultaneously billing me for the new XXXX vehicle. 

Accounting Errors : XXXX applied an " early termination fee '' to my new vehicles monthly invoices. Despite my timely payments on the new lease, VCFS failed to reconcile the account regarding the returned XXXX vehicle. 

Good Faith Resolution Efforts : For over six months, I repeatedly contacte

d both Volvo Cars Marietta and VCFS to rectify the " double billing. '' VCFS failed to act on the information provided regarding the vehicle return. Wrongful Repossession : Due to the unresolved and fraudulent charges being bundled into my payment obligations, a dispute arose regarding the total balance. VCFS subsequently repossessed my XXXX vehicle without prior notification and issued a deficiency invoice for approximately {$22000.00}. 

Issues & Violations Inaccurate Reporting : VCFS is reporting a repossession and outstanding debt for a vehicle return that was mishandled by their authorized agent ( the dealership ).

Failure to Investigate : VCFS ignored documented evidence of the lease exchange for over half a year.

Lack of Transparency : VCFS has provided conflicting information and has refused to provide documentation or call logs regarding my previous attempts to resolve this.

Desired Resolution To resolve this matter, I demand the following : Account Reconciliation : Immediate removal of all charges, late fees, and termination penalties associated with the XXXX XXXX XXXX effective XXXX XXXX  
Credit Correction : Complete deletion of the repossession and any associated negative tradelines from all credit reporting agencies ( Equifax, Experian, and TransUnion ). 

Documentation Release : Delivery of all internal call logs and communication records regarding my account disputes. 

Liability Waiver : Formal cancellation of the {$22000.00} invoice, as the underlying default was caused by VCFSs refusal to correct a documented billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On XX/XX/year>, I received an email notification about a online purchase confirmation for 2 movie tickets from XXXX XXXX XXXX and XXXX in Illinois for XX/XX/year> showing for a charge of {$59.00} on Verizon Visa credit card ( Synchrony ). I contacted Synchrony within 1 hour to report the fraud. My card was cancelled and I was issued a new card. The charge was removed from my account. 
Then I received a letter from Synchrony that the claim was rejected saying that I authorized the charge and added the charge back to my account. I disputed this charge and completed fraud investigation form because I did not authorize this charge. I had explained that I do not live in Illinois and was not visiting Illinois at that time and I had reported the fraud immediately after receiving notification. Synchrony continued to reject this claim 3 times and I refuted 3 times. The documentation they provided from XXXX, said that they verified my identity, email and card verification but that is 100 % incorrect as it was NOT verified. And most of the documentation is not even legible to be read and blurry. The card information was obviously stolen and because I have email notifications setup for online purchases, I was notified. This is why I am putting in a complaint. I do not think I have ever refuted any charges on this account so not sure why Synchrony will not resolve for a long standing customer. 

Documents I have attached is the information requested from Synchrony of proof that I authorized the charge, letters from Synchrony rejecting my claim and the 3 times I have refuted the charge.

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 2026-01-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I reported unauthorized use of my Affirm account and provided a police report. Affirm denied my claim without addressing the evidence. I never had possession of the device or benefited from the loan. I am requesting removal of responsibility and correction of credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: DE

Complaint narrative:
There have been multiple attempts to dispute this claim, to no avail. No satisfactory response, or answers at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Around XX/XX/year> Citizens Bank opened the line of credit and my name without my permission. I never apply for a card with them. I didnt receive a card from them. They do not have a signature page authorizing this account because I never applied for the card with them. I tried to call them to rectify the situation on three different occasions and even made XXXX  payments on the account while trying to spare my credit rating the hit of this absorbent credit card bill. 
Which somehow ballooned to {$12000.00} without reflecting a single transaction with a vendor or point of sale. Ive been fighting them in court for the last year and a half, and they are trying to have a bench judgment made in their favor because they say that I should have warned them about fraud which I attempted to do when I made the two calls about the credit card appearing on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Case Summary : Background : I inherited an IRA CD XXXX XXXX from a close friend in XX/XX/year>. All necessary beneficiary paperwork was submitted and confirmed last year. 

The Dispute : For the past eight months, Citibank has failed to process my request to transfer these funds to another institution.

Damages Incurred : Lost Interest : The funds have been sitting in a non-interest-bearing state for eight months due to Citibanks processing delays. 

RMD Non-Compliance : I am unable to take my Required Minimum Distribution ( RMD ). This exposes me to significant IRS penalties ( up to 25 % of the amount not taken ).

Account Downgrade & Fees : Because Citibank has failed to properly link or recognize these funds, my " Gold Member '' status was revoked. I am now being charged monthly maintenance fees that I should be exempt from.

Attempted Resolution : I have contacted Retirement Services dozens of times ; they " escalate '' the issue with no follow-up. I have also visited a physical branch where the representative was unable to secure a resolution from the corporate back office.

I have a complete paper trail of all communications, submission receipts, and statements showing the status of the account.

I would like to discuss a strategy to compel Citibank to release the funds immediately, reimburse the lost interest and fees, and provide indemnity against any IRS penalties resulting from their delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CrediautoUSA Financial Company LLC
State: AR

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX XXXX, XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis

Complaint narrative:
I am disputing a debt being collected by Columbia Debt Recovery LLC d/b/a Genesis. The alleged debt is based on charges from an apartment lease renewal that occurred after I vacated the property in XX/XX/year>. I did not sign or authorize any lease renewal after that date. 

I have contacted the original creditor, The XXXX at XXXX/ XXXX XXXX, multiple times requesting a copy of any lease renewal bearing my signature, and I have received no response. I currently reside overseas, since XX/XX/year>, and can not send physical mail. The debt XXXX notice provides no functional email address for written disputes, making it difficult to dispute the debt. 

I am requesting full validation of the debt, including a copy of any signed lease renewal and an itemized statement of charges. Until validation is provided, collection activity should cease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
For the past month I have been in contact with Bridgecrest about a payment extension due to my hours at work getting cut temporarily I told them it would help me catch up instead of them adding more payments but they still sit here and harass me about paying a bunch of money I told them repeatedly that I cant pay. They refuse to give me an extension Ive have one before but they refuse because I change the payment frequency 3-4 months ago and than because it hasnt been 30 days past due why should I have 30 days of interest just for them to give me an extension now next week theyll just add another XXXX to my account and Im gon na constantly be behind and trying to play catch up I need an extension now I cant keep explaining Im going through a hardship with no help from them while constantly getting harrasing rude calls theyre loan sharks

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: MO

Complaint narrative:
Bank Name : US BANK NATIONAL ASSOCIATION Account Number : XXXX Transaction Amount : {$1900.00} Complainant Name : XXXX XXXX Complaint : I am filing a complaint regarding a {$1900.00} unauthorized transaction on my account. The bank denied my claim, stating that because I have done business with the merchant before, they believe I authorized this transaction. This is false and unacceptable. Authorization must be determined per transaction, and past transactions do not imply consent for future transactions. 

The bank has refused to provide a written explanation for denying my claim, which is required under Regulation E ( Electronic Fund Transfer Act ) and Regulation Z ( Truth in Lending Act ). The bank representative even falsely stated that these laws do not exist, which is illegal and misleading. Their staff were unprofessional and dismissive regarding my claim.

I request that the CFPB : 1. Investigate and refund the full {$1900.00} to my account.

2. Require the bank to provide a formal written explanation in compliance with federal law.

3. Audit the banks handling of legitimate claims, as their practices appear systemic and harmful to consumers.

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 2026-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid.

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 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: PNC Bank N.A.
State: FL

Complaint narrative:
My friend has been very poor and she found a friend who's parent wanted to help and wanted to send money but needed to give the check to a account so I decided to help and everything was fine until after I got the momey he wanted me to send momey to weird accounts and I only did one because I was scared if I kept any of the momey he would steal my momey so I sent XXXX to the account and XXXX to my friend and everything was fine till today where the XXXX dollar check was taken back unauthorized because the check was in my name and now I am in the negatives

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Debt Recovery Solutions, LLC
State: SC

Complaint narrative:
I never opened a loan with XXXX XXXX XXXX They have now sold it to another company who states I owe over {$1200.00} and I have no knowledge of this account. My ex opened a ton of online credit cards and loans in my name several years ago and I am still fighting to get these cleared. Please remove this account!

Company response to consumer: Closed with explanation