vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 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: Chime Financial Inc
State: NY

Complaint narrative:
I am filing this complaint against Chime regarding a dispute that I believe was unfairly and improperly denied. I purchased airline travel through XXXX XXXX for XXXX scheduled flight on XX/XX/year> departing from XXXX XXXX XXXX XXXX XXXX XXXX I later received an email from XXXX stating that XXXX XXXX had ceased operations for my flight and that my upcoming trip had been canceled. The email specifically stated that the airline was no longer operating and that customers were being directed through cancellation and refund processes. After learning this information, I contacted Chime and filed a dispute for approximately {$120.00} related to the XXXX XXXX transaction. During my conversations with Chime representatives, I was informed that they were already aware of issues involving XXXX XXXX and that my dispute investigation would remain open until XX/XX/year>. However, despite being told the investigation would continue, I woke up the next morning and discovered that my dispute had already been denied without proper explanation or what I believe was a fair investigation. When I contacted Chime again for clarification, the representatives I spoke with were rude, dismissive, and unhelpful. I received conflicting information from multiple agents and felt that my concerns as a customer were not taken seriously. Because my original flight arrangements were disrupted, I was forced to spend approximately {$1200.00} on replacement airline tickets through XXXX XXXX in order to continue my travel plans. This situation caused me significant financial hardship and stress. I have supporting documentation, including : * An email from XXXX confirming the XXXX XXXX cancellation and operational issues * Booking confirmation information for the affected flight * Records showing my dispute was denied earlier than the date I was originally told * Proof of replacement travel expenses I am requesting that Chime reopen and properly investigate my dispute and issue reimbursement for the transaction. I also request a review of the handling of my case and the conduct of the representatives involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: NH

Complaint narrative:
My car has a mechanical issue with the engine overheating. The vehicle is at a body shop in XXXX, NH and storage fees of $ XXXX begin XX/XX/2025 at XXXX. I have made XXXX attempts since XX/XX/2025 to voluntarily surrender the vehicle to DCU to avoid storage fees. On XX/XX/2025 DCU opened ticket XXXX. DCU told me they can not accept the vehicle due to the engine issue and refuse to provide pickup instructions or written confirmation of refusal. A DCU representative promised an email with instructions but only sent an automated ticket receipt. DCU 's XXXX email address bounces and can not receive mail. I am being blocked from communicating while fees accumulate. DCU is refusing to take possession while knowing storage fees will accrue. I have notified them that if I do not receive written pickup instructions or written refusal by XX/XX/2025 XXXXXXXX XXXX, I will consider the collateral abandoned and will transport the vehicle myself to XXXX XXXX XXXX XX/XX/2025 to mitigate damages. XXXX Loan XXXX XXXX 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
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Skrill USA, Inc.
State: WA

Complaint narrative:
On XX/XX/year>, my Skrill account was suddenly restricted after I used my linked virtual card through XXXX XXXX for a transaction. Since the restriction was placed on my account, I have been unable to access or withdraw my funds, and Skrill has not provided a clear explanation for why my account was restricted or how long the review process will take. Immediately after discovering the restriction, I followed Skrills instructions and contacted their support team by email to request assistance and clarification regarding my account status. However, I did not receive any meaningful response or update regarding my case. After not receiving assistance through email, I called Skrill customer support XXXX separate times during their stated business hours. During each call, I was informed that my case was being processed or under review, but no representative was able to provide a timeline, explanation, or any actionable update regarding my restricted account or the release of my funds. As of today, my funds continue to be withheld, and I have not been given adequate communication, transparency, or resolution regarding the restriction. This situation has caused financial inconvenience and concern because I am unable to access money that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I am reaching out after multiple phone calls with Bank of America regarding a fraud claim on my account that remains unresolved and has become more complicated despite my attempts to correct it. On XX/XX/XXXX, I noticed a {$450.00} charge on my credit card that I did not authorize. I immediately initiated a fraud claim. During that process, I mistakenly included an {$11.00} transaction that I later recognized as legitimate. When I called to correct the claim and remove the legitimate transaction, the entire fraud claim was canceled, and I was informed that I was now responsible for the unauthorized {$450.00} charge. Since then, I have attempted to resolve the issue through additional phone calls. I was unable to submit a new fraud claim because the transaction is now being treated as a duplicate. During a subsequent call, a representative opened a billing dispute instead, stating that it would be a faster solution. However, I have only received approximately {$70.00} back from the disputed {$450.00} transaction, and the matter remains unresolved. At this point, I am seeking assistance in having the unauthorized {$450.00} charge properly reviewed through the fraud process. I reported the transaction as soon as I became aware of it, and my efforts to correct the original claim have unfortunately left me with no clear path to resolution. I would greatly appreciate any help you can provide in reviewing this situation and directing it to the appropriate team. Thank you for your time and assistance. Sincerely, 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 monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: LA

Complaint narrative:
According to the letter, As of XXXX XXXX. I owe {$1500.00} from XXXX XXXX which has now been transferred to a debt collector by the name of XXXX XXXX XXXX. I am not sure why they did not use my insurance for this matter. I do not owe an amount near this number they have set for me.

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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that Equifax remove and block fraudulent information from my consumer credit report within XXXX business days of receiving this notice. The inaccurate and unauthorized information includes the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These fraudulent account have resulted in negative impacts on my credit report. I do not recognize these accounts, nor did I initiate or authorize these transactions. As they are the direct result of identity theft, I demand their immediate removal. Enclosed is a copy of FTC Identity Theft Criminal Complaint # XXXX as further evidence that these fraudulent items must be deleted from my credit file in accordance with my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 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: BEACON FINANCIAL CORPORATION
State: MO

Complaint narrative:
A trust established by XXXX XXXX in recognition of his daughter XXXXXXXX XXXX XXXXXXXX, and to pay for her medical and other needs, held {$150000.00} at the time Beacon Bank simply planned to discontinue paying her memory care home, where she was at the highest level of care. Beacon Bank 's own officer acknowledged orally and in writing that the trust 's purpose was defeated and that the life beneficiary 's needs were made extraordinary by changing circumstances. The XXXX ( XXXX ) of Trusts, Section XXXX, is unambiguous. When a trustee knows, or should know, that circumstances have changed in a way that would defeat or substantially impair the accomplishment of the trust 's purposes, the trustee has a duty to petition the court for deviation. New York courts have applied this doctrine. Beacon Bank has simply attempted to walk back its own officers assessment and refused to address this doctrine altogether. In similar bad faith of refusing to answer inquiries about its obligation to seek deviation, and in the bank 's established pattern of stonewalling and dodging, the bank has refused to respond to my requests for an accounting. On XXXX occasions over XXXX months, I requested a complete itemized accounting of all fees, costs, and expenses charged to Account XXXX. XXXX. The first time was on XX/XX/XXXX, in an email to the XXXX XXXX, XXXX XXXX XXXX. The bank never responded to this email. I specifically requested : " Please provide a complete itemized accounting of all fees, costs, and expenses charged to the XXXX XXXX XXXX from XX/XX/XXXX to present, including all legal, administrative, advisory, and outside counsel fees. '' I had a second and third opportunity as a result of the bank responding to a complaint I filed with the XXXX XXXX XXXX XXXX XXXX. I repeated the request a second time on XX/XX/XXXX, in correspondence copied to the XXXX XXXX XXXX XXXX XXXX, and a XXXX time on XX/XX/XXXX, noting the request was then XXXX days outstanding. As of the date of this complaint, the request is XXXX days old. The bank has not provided the accounting, not acknowledged the request, and not offered a timeline to produce it. We will dispute costs that were not incurred as part of the trustee 's ongoing duty of proactive administration. We will certainly dispute costs incurred to gather legal opinions to retroactively defend a decision that should have been informed by those opinions before the decision was made. The bank may work to deflect this complaint so it closes automatically on reply. It may reference prior correspondence, or a prior complaint and/or claim it has already addressed this request for accounting. It has not.

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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Im writing to file a complaint against CREDENCE RESOURCE MANAGEMENT for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: MD

Complaint narrative:
I am submitting a complaint against I.Q. Data International regarding an alleged debt from my former apartment complex, XXXX ( MD ). The underlying debt is entirely invalid because the landlord severely breached the lease and Maryland 's warranty of habitability. During my tenancy, the apartment suffered from severe, unaddressed toxic mold that directly triggered and worsened my medical XXXX conditions. Furthermore, due to the extreme neglect of the property, the unit suffered from an infestation of XXXX ( sarna ), making the environment entirely dangerous and uninhabitable. Management also repeatedly engaged in unwanted entries into my apartment without proper notice or consent. Because of the severe physical illness, ongoing trauma, and extreme stress caused by these horrific living conditions and the subsequent constructive eviction, I have had to enroll in an Intensive Outpatient Program ( IOP ) and regularly see a therapist. I have written and mailed several formal dispute notes and supporting documentation directly to I.Q. Data International 's corporate office detailing these severe issues. Instead of conducting a meaningful investigation or properly validating the core legal merits of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), the company completely ignored all of my corporate correspondence. On XX/XX/year>, they simply mailed me a generic, automated bill demanding {$3500.00}. A collection agency can not satisfy its legal duty to validate a disputed debt by rubber-stamping a standard ledger from a negligent landlord while ignoring documented health and safety violations. I request that I.Q. Data International cease all collection activities, stop trying to collect a balance that is not legally owed, and refrain from reporting this inaccurate, disputed information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am filing a formal complaint against Capital One for deceptive marketing practices, a lack of clear and conspicuous disclosures, and a failure to honor public promotional offers. On XX/XX/year>, I applied for and was approved for a Capital One Quicksilver card, relying entirely on prominent, universal marketing that promised a {$200.00} cash bonus after spending {$500.00} within the XXXX XXXX months. I accepted this offer in good faith. I received the card and made my XXXX purchase on XX/XX/year>. I successfully met the spending obligation within the very XXXX month, shifting over {$700.00} of spending to this card and sacrificing higher cash-back yields on alternative cards specifically to fulfill Capital One 's threshold. When the bonus failed to post on my XX/XX/XXXX statement, customer service agents claimed my account " was not qualified based on the terms, '' despite me being a brand-new cardholder with an elite XXXX credit score at application. XXXX managers dismissively told me to close the account if I was unhappy, and issued an unverified case number ( XXXX ) as a stalling tactic. Furthermore, Capital One completely hid the processing network of this card during the application process. Upon utilizing the card online, a XXXX logo automatically populated, creating transaction disruption and severe concern regarding potential data compromise. The physical card contains a confusing array of conflicting backend networks ( XXXX, XXXX XXXX, XXXX ). Forcing a consumer into a hidden multi-network system without prominent, upfront disclosure is highly deceptive. On XX/XX/year>, I escalated this to executive leadership. On XX/XX/year>, Capital One issued a completely automated, tone-deaf denial form letter ( DocuSign Envelope ID : XXXX ), completely ignoring the facts, the structural disruption, and the marketing deception. If hidden restrictions or internal tier-switching existed, they were not clearly or conspicuously disclosed during the application stream. I demand that Capital One honor the prominent marketing under which I applied and manually credit the {$200.00} sign-up bonus to my account immediately. I also request an investigation into their lack of upfront network disclosures on standard credit card applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: HYUNDAI CAPITAL AMERICA
State: IN

Complaint narrative:
My vehicle was wrongfully sold after I fully reinstated the account and paid every dollar the company demanded, totaling nearly {$5000.00} in reinstatement fees, auction fees, and several months of continued payments. At no point during reinstatement was I told that the vehicle was out of state or that I would be forced to retrieve it myself. Only after I paid everything was I informed that the vehicle was in Ohio and that I would have to travel there and pay an additional {$430.00} at pickup. This critical information was intentionally withheld until after payment, leaving me with no ability to plan, budget, or make an informed decision. At the time, I was already carrying a XXXX XXXX monthly payment, along with rent, utilities, and basic living expenses. Traveling out of state and paying additional fees was financially impossible. I asked the company for assistance or alternatives, and they refused to provide any solution whatsoever. Despite my full reinstatement, timely payments, and repeated attempts to resolve the situation, the company sold the vehicle anyway. This is not a misunderstanding it is a wrongful sale after reinstatement, a failure to provide access to the vehicle, and a clear example of unfair, deceptive, and abusive servicing practices. I was placed in a financially impossible situation through no fault of my own. I acted in good faith, paid everything required, and followed every instruction given. The companys actions caused significant financial harm, deprived me of the vehicle I paid to reinstate, and violated basic consumer rights. I am requesting CFPB review because this conduct is unacceptable and must be addressed.

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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Recovery Management
State: NC

Complaint narrative:
15 USC 1602 ( g ) ( 2 ), There was no evidence of indebtedness, there was only the agreement provided. It is my understanding that because I was unable to make an uninformed decision, the agreement is void. DELETE

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Chime Financial Inc
State: MA

Complaint narrative:
I have a {$200.00} instant loan taken out with Chime Financial. My account was closed down and Chime has been reporting this instant loan as unpaid for 5-6 months. I have called in multiple time to pay off this loan so that it no longer affects my credit report. Chime has informed me that there is no options to pay the balance and they will continue to report it as unpaid and late. Is this legal? They have no charged off the balance. I asked if they have a collection agency and they said no. How do I pay this so they stop ruining my credit score. I want to pay the loan and they aren't allowing me and instant keep reporting it as late and unpaid. That is not correct!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On or around XX/XX/year>, after using my PNC account for normal debit card transactions in XXXX, Georgia, my account was disrupted/restricted following a transaction that may have triggered a security review. Since that time, I have been unable to properly access my funds or receive a clear explanation regarding the status of my account. I immediately attempted to contact PNC to resolve the issue and verify my identity. I complied with all requests made by the bank and successfully verified my identity multiple times. Despite my efforts, more than a week has passed and I still have not received meaningful information, a timeline for resolution, or access to my funds. I have contacted customer service repeatedly but have either been transferred, disconnected, or unable to reach anyone who can provide answers or resolve the issue. No one has clearly explained : * Why my funds are still being held * Whether additional information is needed * When the restriction will be removed * What steps are being taken to resolve the matter This situation has caused financial hardship because I rely on access to my account for basic living expenses and day-to-day needs. I believe PNC is unreasonably delaying access to my funds without proper communication or transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAVALRY INVESTMENTS, LLC
State: MI

Complaint narrative:
I have reasons to believe that the debt collector and the agency that was used to notify me of the debt has lied. I was never served about any form of debt and was never aware of these debts that were owed. I have reason to believe that they they committed fraud under false pretenses. How was I served if I never received it? This illegal practice is known as " sewer service ''. It occurs when a process server intentionally fails to deliver court documents but files a fraudulent affidavit of service with the court, ultimately allowing the collector to win an improper default judgment.

Company response to consumer: Closed with explanation