vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I continue to receive XXXX  alerts for a XXXX XXXX XXXX ( XXXX : XXXX ) and same diagnosis comes up for new oner. It was not running when I dropped off at dealership and bridgecrest was aware. Then it was sold at auction for {$1700.00}. This indicates the vehicle is in use by a new owner, yet Bridgecrest is reporting a {$20000.00} deficiency balance on my credit. This appears fraudulent and misleading. I request full deletion of this tradeline and a breakdown of the alleged balance .. it's was not running when I volunteered it back and It was a recall in other dates for the same issue but not in Texas or nationally yet. I get messages from XXXX by email and same diagnosis is on now. I took vehicle to dealership found out they no longer honored the recall then told bridgecrest come get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
I recieved a capital one credit card in the mail linked to an account made XX/XX/XXXX without my knowledge. 

Upon contacting capital one i learned most of my information was correct but the account was linked to an email i do not own. 

Capital one has opened an investigation and is working to resolve my issue. I will be contacting the credit institutions to freeze my credit as soon as the offices open in the morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Last year I atttempted to open a purported High Yield Savings Account online with Bread Savings. The prompts asked me to make a deposit, but their app wasn't working so I couldn't. The next day they sent me an e-mail telling me to fund my account. This time I was allowed to transfer money to the account. I thought I had transferred {$20000.00}, but then I never received an account number. In XXXX I received a letter from Bread Savings dated XX/XX/XXXX asking me to send copies of my driver 's license and social security card ( front and back for both ) and a most recent bank statement showing ownership of the funding account. They wanted all these sensitive documents sent to them within XXXX days of the date of the letter, which I did. Then I never heard anything again and never received an account number. I became worried about what they were doing with my sensitive documents, since they obviously were not using them for purposes of establishing my savings account. I called them on XX/XX/XXXX. Their automated system told me it was going to send me a letter, but it didn't get any identifying information from me. I wasn't even calling from the number that I had previously used on my application because that phone had been stolen earlier this month. Their letter had said they were " always happy to help '' and were open on " weekends and holidays. '' I called back and the same thing happened. I couldn't reach a live person and it hung up on me. I am now very concerned that they will be using my sensitive information improperly. I want them to send back the documents I sent them without them copying any information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 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: MD

Complaint narrative:
On XX/XX/XXXX, I noticed that my computer was being accessed remotely. I took steps to stop it. 

Shortly after, XXXX XXXX  contacted me to let me know about a declined transaction. I reviewed it and other transactions and noted that they were not authorized. One in the amount of {$4600.00} through Paypal was unauthorized but was listed as pending. XXXX immediately closed the card and is investigating. 

I reviewed my PayPal account and found five declined transactions. I reported the incident to PayPal. PayPal closed the case quickly, not in my favor. It is currently being appealed. 

I have evidence showing the declined transactions, a removed suspicious program from my computer, and internet history showing the email was deleted from my system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Please review Complaint IDs # XXXX and # XXXX regarding the companys responses. 

The company states that it sent its response directly to us and provided a copy to the CFPB. However, we did not receive any letter or response from Bank of America.

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 2026-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year> before holidays I noticed a strange login to my account with a different phone which was alarming because I only have XXXX personal phone with my sensitive info. Shortly after I see a transaction of {$650.00} sent to a person Ive never heard of or know. When I attempted to reach out and get my refund all attempts have failed even with cashapp saying they cant approve my refund because the funds were sent using my pin. Cashapp has been known for data breaches and somehow my account is victim of fraud and now all my funds were gone in the worst possible time ever. Havent had ANY luck on helping me get my money back and Ive even filed a police report on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: Chime Financial Inc
State: OH

Complaint narrative:
My phone and card were stolen, and an unauthorized charge in the amount of {$610.00} was made on my Chime Credit Builder card without my authorization. I did not authorize this transaction and did not benefit from it. 

I disputed the charge with Chime, and the dispute was denied. I then appealed the decision and submitted a police report documenting the theft and unauthorized use. Despite providing this documentation, Chime denied the dispute a second time. 

After the denial, I contacted Chime and requested documentation explaining the reason for the decision. Chime initially stated documentation would be sent but failed to provide anything. When documentation was eventually provided, it did not explain why the transaction was considered authorized or provide any specific evidence supporting the denial. 

The documentation provided by Chime only lists generic categories of information reviewed ( such as transaction details, login history, and device usage ) and does not identify what evidence demonstrates authorization of the transaction or cite any specific Regulation E provision relied upon.

Chime has failed to provide a clear written explanation or meaningful investigation results as required under Regulation E. As a result, my account remains negative due to a charge I did not authorize, causing financial harm.

I am requesting that this dispute be properly reviewed, the unauthorized charge be reversed, a written explanation citing the specific Regulation E basis for denial be provided, and confirmation that this balance will not be reported to any consumer reporting agency.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I was caught in a scam involving impersonation of XXXX XXXX from XXXX XXXX Asset Management.

I already have a complaint about the Wire Transfers i made using Chase Bank. 
I reported the situation and i think Chase Bank is not making efforts to get the money back. 
I have received a letter from Chase referring to this transfer made in XX/XX/XXXX amount {$22000.00} to a scammer called XXXX XXXX. 
According to the letter reproduced bellow, the beneficiary bank didnt answer Chases questions and i should look for help some other way. 


XXXX XXXX XXXX XXXX XXXX  FromOnline Banking SubjectUS Dollar Wire Transfers Inquiry XXXX, XXXX Delete Reply We're writing regarding your inquiry, dated XX/XX/XXXX, regarding wire transaction for XXXX  Account XXXX, dated XX/XX/XXXX, in the amount of XXXX. This transaction appears on your account under our Transaction Reference Number of XXXX. We are processing the investigation for this wire under JPM Case ID XXXX. 

PLEASE BE ADVISED THAT WE HAVE TRIED TO CONTACT CREDIT PARTY ON SEVERAL OCCASSIONS REQUESTING RETURN OF FUNDS. AS OF TODAY WE HAVE NOT RECEIVED ANY RESPONSE. WE REQUEST YOU TO PLEASE ATTEMPT RECOVERING FUNDS THROUGH LEGAL MEANS. IN THE EVENT THEY SUBSEQUENTLY CONTACT US, WE WILL ADVISE YOU ACCORDINGLY XXXX XXXX XXXX If you have any additional questions or wish for an update on the status, please respond to this message or call the Treasury Services Solution Center at XXXX referencing our JPM Case ID. 

Representatives are available Monday through Friday, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Thank you for banking with Chase. 

JPM Treasury Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
I was threatened to be sued by the debt collectors I have been in hard ship due to fraud and the affect my life and my credit score. This has been going on since XXXX XXXX XXXX XXXX  This is a very old debt and they are trying to make my life harder for a small debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I am filing a formal complaint regarding a technical error in the Coinbase XXXX app. On XX/XX/XXXX, I initiated a withdrawal and explicitly selected the 'Standard ( 1-3 Business Days ) ' option to avoid fees. Due to a UI glitch, the app reverted to 'Instant Transfer ' without my consent immediately upon confirmation. This resulted in an unauthorized fee of {$590.00}. This fee was charged due to a software defect, not user selection. I am requesting a refund of the fee difference under the Electronic Fund Transfer Act ( Regulation E ) as this constitutes an 'incorrect electronic fund transfer ' caused by your system 's error. '' I contacted support immediately and even while trying to reproduce the error the app was glitchy and buttons were malformed. I sent the image to support where they said they can't do anything to return the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am submitting this complaint regarding the closure of my Cash App account and the companys refusal to provide clarification or allow further review. 

I was informed that my account was closed due to a violation of the Terms of Service. No additional information, category of violation, or opportunity for review has been provided.

For context, I was without internet or computer access for approximately two years and eight months, which is verifiable. During that period, the account was inactive. I am not aware of any activity that would constitute misuse of the service. 

Prior to this period, I was a long-standing Cash App user in good standing and regularly used the service. I also referred numerous friends and family members who continue to actively use Cash App. 

I understand that financial service providers must comply with regulatory and risk-management requirements and that detailed explanations may not always be disclosed. However, I am requesting one of the following : Clarification of whether this is a permanent identity-level restriction or an account-level closure A secondary compliance review of my account Consideration of eligibility to open a new account, subject to identity verification or other compliance requirements At present, I have been left without access to a commonly used money transfer service within my family and social network, with no explanation or review process available. 

I am seeking clarification, review, or reconsiderationnot damages. I am fully willing to cooperate with any verification procedures deemed necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America closed or restricted my account and refused to allow redemption of earned rewards. I am a New York resident and believe this violates NY General Business Law 520-e, which requires notice and an opportunity to redeem rewards. I did not receive a reasonable redemption option or grace period.

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 2026-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: WLCC
State: IN

Complaint narrative:
On agreement for a XXXX loan was agreed upon and singed on XXXX/2026  with loans supposed to be deposited into my bank account on XXXX/26. Loan never came. I called them twice on XXXX/26 to ask them why haven't the loans been deposited both times representative said it should be in the account before 12XXXX on XXXX/26.On XX/XX/XXXXXXXX/26 merit sent a message asking how was the service I called to inform them I never received anything into my account representative then stated that that they was having difficulties with processing and it should be in the account within two business days i informed him that i was never told that and i want to cancel the agreement that they broke representative then stated that the only thing i can do is send the funds back when i get them i i contacted them on XX/XX/XXXXXXXX/26  and informed that that i never received any funds into my account and I will be filing complaints against them for scamming for my information and I want to cancel the agreement that they broke representative then stated that he can't do that all I can do is send the money back I told him I never received money and I will be cancelling my account and letting my bank no about their scam I haven't Heard anything from them since I last talked to them on XXXX26

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: DISCOVER BANK
State: NV

Complaint narrative:
I am the account holder for the Discover credit card ending in XXXX. On XXXX XXXX, 2025, I discovered that my wallet and Discover card had been stolen. That same day, I logged into my account and observed multiple unauthorized transactions pending. I immediately contacted Discover on XX/XX/XXXXXXXX XXXX, 2025, reported the theft, and disputed the charges as fraudulent. Discover acknowledged that the transactions were unauthorized and issued provisional credits. 

The unauthorized transactions I reported on XXXX XXXX, 2025 were later reposted to my account with the following post dates : XXXX  {$250.00} Post date : XX/XX/XXXX XXXX XXXX XXXX NY {$230.00} Post date : XX/XX/XXXX2026  XXXX XXXX {$230.00} Post date : XX/XX/XXXX2026 I did not authorize any of these transactions, did not receive any merchandise, and did not have possession of my card at the time the charges were made. I reasonably believed the matter had been resolved after Discover credited my account following my timely fraud report. 

However, when I logged into my Discover account on XXXX XXXX, 2026, I discovered that these same previously disputed fraudulent transactions had been reposted to my account without prior notice, explanation, or documentation supporting Discovers decision to reverse the credits. 

These charges remain unauthorized and are the same transactions I reported immediately upon discovering the theft. I am requesting that Discover permanently remove these charges and correct my account in accordance with applicable consumer-protection and billing-error resolution requirements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am filing this complaint regarding LVNV Funding LLC for failure to comply with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/2026, I formally disputed the accuracy of these accounts and requested the method of verification pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Despite this lawful request, LVNV Funding LLC failed to provide the required method of verification, including : The name, address, and telephone number of the party that verified the information The date and manner of verification Documentation used to verify the accuracy of the reporting Instead, the accounts continue to be reported without evidence of proper verification, which constitutes willful noncompliance under 15 U.S.C. 1681n and 1681o.

Additionally, LVNV Funding LLC have failed to provide proper debt validation under FDCPA 1692g ( b ) and continue reporting derogatory information without proof that the debt is legally enforceable, including : The original signed contract or application Full chain of assignment showing ownership of the debt Complete account history and itemized accounting Proof of legal enforceability under Illinois XXXX XXXX IRS Form 1099-C if the debt was canceled Continuing to report unverified information after a direct dispute is a violation of FCRA 1681s-2 ( b ) and constitutes negligent or willful misrepresentation of consumer credit data.

Failure to comply with this request will result in escalation to the Illinois Attorney General, FTC, and civil action for statutory damages under FCRA 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding LLC bought 3 old debts from my previous credit union, which went bad due to the pandemic. The accounts were closed in XXXX 2019. LVNV has pursued me relentlessly, switching back and forth with THIER other companies and entities of LVNV, such as XXXX, XXXX XXXX XXXX, XXXX, and resetting the date on the age of the accounts every time. The time limit for them to sue me is way past and these 3 debts are about due to come off my credit report due to their actual age, and I don't think this will happen since thecorrect dates are nowhere to be found on the accounts anymore and everyone says NOT to communicate with them at this point because it could legitimately reset the time on the debt at this point. How can I get the CORRECT age of the debts put on the accounts so they will fall off in when they are actually supposed to in a few months? Theres different account numbers and dates and these 3rd party buyers I don't even legitimately owe then at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I was scammed of {$100000.00} from a car dealer who im not even sure is real. 

I paid for the car by wire and a few days after the guy stopped answering calls. I have already called my bank and filed a police report but I am really worried about this as it is a large amount of money and am worried I will never see it again. 

Police report XXXX Filed with CONNECTICUT STATE POLICE XXXX XXXX XXXX in XXXX is what they go by and you can see their bank info, address and more details on the attachments to this email. I also included our email communications as well as texts between me and the seller and me and the " driver ''. Seller being the XXXX number and driver being the XXXX number. 

Their business info online says they are located at XXXX XXXX XXXX XXXX, XXXX, CO XXXX The car was supposed to be delivered to me by today XX/XX/21 and the driver was in touch with me a few times this week until today where both he and the dealership have gone completely ghost. ( shipping manifest that he had sent me is attached ) After not getting any calls to go through to the dealer, I looked them up again and saw reviews that were not there last week when I " bought the car ''. I have reason to believe there was never a car and I got scammed of {$100000.00} just like the people who left these reviews. 
XXXX This is what I get when I search on colorado 's business search. It seems like it is a real business but their partner business XXXX XXXX XXXX does not show up when searching. 
XXXX Attached is the photo of the title they sent me. My wire confirmation of {$100000.00} image.png Screenshot XXXX at XXXX XXXX XXXX XXXX

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