vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: OH

Complaint narrative:
So for the month of XX/XX/XXXX to about XX/XX/XXXX I've had lots of money that my mother sent me that for some reason I never I received it in my cash yet but then when when I received it in my casket and put it in my savings account it always was transferred to another account but these cars have been taken from me and the phone was stolen I didn't have a locked in at the time so they said they had their liability so I figured I got to do my refund they'll see that you know I have a lot of decline transactions and they see a lot of my stuff goes in my savings so I figured they would just refund me but they keep denying me so when my phone came up missing they're telling me that I had my phone at the time which I did it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Im writing to file a complaint against PORTFOLIO RECOVERY ASSOCIATES , LLC 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 2026-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
since 2024 I have been trying to get a modification at that time it was only XXXXthey keep denying me. now it is over XXXX and was told me the lender doesn't want to deal with me. They didn't send me a Right of cure letter. and now the only option I have is to file for bankruptcy. This loan has been passed around from XXXX, XXXX, XXXX XXXX, to carrington mortgage.some where along the transfer money was missed placed or? I can't get any answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I recently pulled my full consumer disclosure and reviewed my credit profile. During this review, I discovered multiple accounts being reported that I believe are inaccurate, unverifiable, and/or unauthorized. these accounts contain internal inconsistencies, improper account statuses, and inaccurate dates, which violate the Fair Credit Reporting Act 's requirement for maximum possible accuracy. I am legally challenging this information under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX data reporting standards, the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and the Equal Credit Opportunity Act ( ECOA ).

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 2026-05-03 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: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
A fraudulent charge was made to my Target Mastercard XXXX on XX/XX/year>2026 due to an email hack. I immediately closed this credit card. I was later credited this fraudulent charge. The hackers took over several of my online retail accounts and were loading other people 's stolen credit cards into my accounts and making purchases. The only way to stop this was to close my retail accounts. When I closed my XXXX XXXX XXXXXXXX account on XX/XX/XXXX, they refunded my membership fees of {$110.00} to the original form of purchase -- which was my closed Target Mastercard XXXX. TD Bank has not shown this refund on my statement. I have repeatedly verified XXXXXXXX XXXX XXXX did make this refund and multiple phone calls to Target Card Services have only resulted in them hanging up on me. I have the email from XXXXXXXX XXXX XXXX confirming the refund and when I went into the XXXXXXXX XXXX XXXX store, they were able to print up the actual transaction cXXXXes. I sent a certified letter to TD Bank on XX/XX/scrub>, 2026 with the relevant information and copies of the email and receipts from XXXX XXXX XXXX. I have not received any response nor credit for this refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NY

Complaint narrative:
I had a merchant XXXX that charged my card over a couple weeks time over XXXX dollars I disputed these charges and won a total of XXXX dollars while I was credit XXXX dollars for the first round of charges I was never credited the XXXX dollars on the rest which the disputes were won. I have spoke with countless representatives who admit that the XXXX wasnt credited and escalate it but have not recieved my refund nor a responce from escalation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> National Credit Systems , Inc . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Alleged Debt Debt Validation Request To Whom It May Concern, I am writing in response to your attempt to collect an alleged debt in the amount of {$4900.00}. I dispute the validity of this debt in its entirety. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting full validation of this alleged debt. Please provide the following : 1. The name and address of the original creditor 2. The account number associated with the alleged debt 3. A complete breakdown of the alleged amount, including principal, interest, fees, and any other charges 4. Documentation bearing my signature showing that I agreed to this debt 5. A complete payment history, including how the amount of {$4900.00} was calculated 6. Proof that National Credit Systems , Inc. has legal authority to collect on this debt 7. Verification that this debt is within the applicable statute of limitations Until you provide proper validation, you must cease all collection activities. If you have reported this account to any credit reporting agencies, you are required to report it as disputed. If you can not provide the requested validation, I demand that this account be removed from my credit report and that all collection efforts cease immediately. I request that all future communications regarding this matter be conducted in writing. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
CAPSTONE CREDIT & COLL is falsely reporting on my credit. I have never had accounts with them. Per my research, CAPSTONE CREDIT & COLL is a debt collector.They are falsely reporting on my credit! Account - XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S. Code 16 of investigation consumer report, you are in violation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Someone used my debit card without mu authorization and spent money from my account without my authorization

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 2026-05-03 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: CT

Complaint narrative:
I am filing this complaint regarding inaccurate and misleading debt collection and credit reporting by LVNV Funding LLC and its servicer, Resurgent Capital Services. This account is being reported with multiple inconsistencies across my credit reports. The date opened is reported as both XX/XX/XXXX and XX/XX/XXXX. The account is also classified inconsistently as both an open account and a collection. In addition, the original creditor is reported incorrectly as LVNV Funding LLC in some instances, while other reports identify the original creditor as XXXX . The balance is reported as {$670.00}, which exceeds the reported high credit of {$570.00}, and no itemization or documentation has been provided to explain this increase. The account also reflects conflicting activity dates. One report shows last activity in XXXX, while another shows activity as recent as XXXX. This creates a misleading impression of ongoing account activity. I previously disputed this account and requested validation, including documentation supporting the balance, ownership, and reporting accuracy. The company responded but did not provide the requested documentation. Instead, they relied on general statements and failed to address the specific inaccuracies. Additionally, in a prior response to a CFPB complaint, the company stated that it was not reporting this account to the credit bureaus. However, the account continues to appear on my credit report with recent updates, which directly contradicts their statement. These inconsistencies demonstrate that the account is not being reported with maximum possible accuracy and has not been properly investigated. Due to these issues, the information being reported is inaccurate, misleading, and unverifiable. I am requesting that this account be deleted from all credit reporting agencies. As a result of these unresolved discrepancies and the companys failure to provide adequate validation, this account can not be verified as accurate and should not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: International Computer Systems, Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding the improper reinsertion of a collection account by XXXX XXXX XXXX. I previously disputed this alleged debt directly with XXXX XXXX XXXX. In response to my prior CFPB complaint, the company admitted that the account was reported to the credit bureaus while it was in dispute and before validation was provided. The company further stated that the tradeline was deleted during the dispute period and that credit reporting may be reinstated. This has now occurred. On or about XX/XX/year>, the same account was reinserted and reported again. I did not receive any notification of reinsertion as required under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) ( 5 ). Additionally, I provided written notice of dispute directly to the original creditor, XXXX XXXX XXXX XXXX, via certified mail on XX/XX/year>. The correspondence was delivered and signed for, and no response was provided. The account is now being reported again despite : * Prior failure to verify the debt * Prior deletion of the account * No new validation provided * No reinsertion notice issued This demonstrates a pattern of reporting previously disputed and unverified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 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: Paypal Holdings, Inc
State: MS

Complaint narrative:
I noticed my phone missed around XX/XX/XXXX at my local gym and i didnt receive my first unauthorized charge until XXXX days later when i noticed a massive charge through my paypal account which when i went to investigate i was logged out and my passkey was gone after a day or XXXX i finally got in to dispute the charge and they declined it within XXXX XX/XX/XXXX with no real explanation or reason i know it can look suspicious since the said person is operating through my phone although my actual bank has an ongoing investigation i provided like XXXX photos and files of proof including conversations with paypal themselves so XX/XX/XXXX is in the clear for now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: FL

Complaint narrative:
Chime did not let us as customers know about the data breach that caused the system to go down. I could not access my funds to pay for important things nor send my child money. They still haven't let us know why that happened. This is not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: PA

Complaint narrative:
Direct Express has allowed unauthorized transactions with my card of XXXX, XXXX and XXXX on XX/XX/year>. I have called since XX/XX/XXXX to report and their messages states high volume calls to call later. I have called all hours to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
From XX/XX/XXXX through XX/XX/XXXX, my Citibank XXXX XXXX XXXX credit card ( originally ending in XXXX, replacement ending in XXXX ) was systematically charged for unauthorized XXXX XXXX XXXX XXXX subscriptions, duplicate XXXX XXXX memberships, and XXXX XXXX purchases that have no matching legitimate orders in XXXXXXXX XXXX official order history. The same fraud pattern appeared simultaneously on my XXXX XXXX XXXX XXXX debit card, indicating systematic account compromise rather than user error. The total fraud across both cards is approximately {$8500.00} gross / {$5500.00} net. During the entire fraud period, my husband XXXX was XXXX XXXX and I was his XXXX XXXX. He passed away on XX/XX/XXXX. I was unable to monitor my monthly statements during this extraordinarily difficult period. Beginning in XX/XX/XXXX, I began calling Citi 's Fraud Department to report this fraud. Over the past 5 months I have spoken to many Citi representatives across many calls without ever receiving a single returned call. At Citi 's request, I sent two years of purchase documentation showing every legitimate purchase made by my husband and myself. None of those photos correspond to the disputed XXXX XXXX XXXX charges. Citi has issued only approximately {$490.00} in conditional credits ( dated XX/XX/XXXX ), which represents only about 10 % of the documented fraud. Citi has not addressed the systemic XXXX XXXX XXXX and affiliate fraud. Citi has not provided me with a case number, an assigned investigator, or a timeline for full resolution. On XX/XX/XXXX, I mailed a formal written dispute via certified mail with return receipt ( USPS Tracking # XXXX ) to Citi Cards Fraud Department. I subsequently emailed the same documentation along with my FTC Identity Theft Report ( Reference # XXXX, filed XX/XX/XXXX ). XXXX has effectively admitted this fraud : on XX/XX/XXXX, XXXX issued {$580.00} in credits for unauthorized Prime Video Channel charges, and between XXXX XXXX XXXX, XXXX silently auto-cancelled eleven separate XXXX XXXX XXXX subscriptions on my account ( XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX ) . No legitimate customer cancels eleven streaming subscriptions at once. I am requesting full credit for all unauthorized XXXX charges from XX/XX/XXXX through XX/XX/XXXX, totaling approximately {$3900.00} net. I am requesting a formal XXXX chargeback against XXXX, a written explanation of which charges have been credited, and a direct contact for ongoing communication.

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 2026-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This dispute involves a merchants refusal to provide a legal and policy-compliant return method for a " materially different '' product, and the financial institutions failure to recognize a legal impossibility during their investigation. Timeline of Events : XXXX ) XX/XX/XXXX 2026 : I purchased XXXX high-capacity lithium batteries. Upon delivery, I discovered the listing dimensions were completely inaccurate, making the units unusable for the intended application. XXXX ) XX/XX/year>2026 : XXXX Customer Service formally intervened, messaging the seller that the items were " not compatible and not as described ''. XXXX explicitly ordered the seller to provide a prepaid return label within XXXX XX/XX/XXXXThe seller ignored this mandate. XXXX ) XXXX XXXX, 2026 : XXXX Customer Service contacted the seller a second time, specifically requesting a XXXX Pickup for the items. The seller again refused to comply. XXXX ) XX/XX/scrub> 2026 : My financial institution opened a formal dispute ( Case ID : XXXX ) and issued a conditional credit. XXXX ) XX/XX/year>2026 : The financial institution reversed the credit, claiming no " billing error '' occurred, despite the merchant still refusing to provide a legal return method. Legal and Policy Violations : XXXX ) Federal Safety Regulations ( XXXX XXXX XXXX ) : The merchant is demanding that I personally facilitate the return of XXXXXX/XX/XXXX of Class XXXX Hazardous Materials ( Lithium Ion Batteries ). Under federal law, a consumer can not legally ship this volume of hazardous material through standard retail channels without specialized HazMat certification, packaging, and a specialty freight carrier. XXXX )XX/XX/XXXX 2026 Heavy and/or Bulky Policy : For items weighing XXXXXX/XX/XXXXor more ( these units are XXXXXX/XX/XXXX each ), the platform policy mandates that the seller must arrange for a home collection by a specialty carrier team. The merchants demand that I pay over {$250.00} out-of-pocket for a hazardous shipment is a breach of the purchase contract and platform terms. XXXX ) Deceptive Trade Practices : The merchant misrepresented the product dimensions and is now using " unconscionable '' friction demanding a dangerous and illegal shipping act to prevent a refund for their own error.

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 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
And the year XXXX a transaction was made using my debit card to purchase an item for XXXX that I did not authorize new purchase when I saw the transaction. I immediately called XXXX XXXX and told them to stop payment and I was not the one making a transaction. XXXX XXXX informed me that the item went through and they will remove it from my account. After four days, the transaction appeared back on my account and XXXX XXXX informed me that I have to pay the money back so I didnt ask them for statements, videos, records, and proof of purchase. I have never received anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
i called the company spoke to several people about this matter many times. talked to both finance people at XXXX XXXX in XXXX XXXX and they assured that everything was done correctly. The car was bought in XX/XX/year> at XXXX dollars with XXXX dollars down at a 16 % interest rate. the last amount that was discussed in the finance office with XXXX XXXX was XXXX dollars out the door. I was fine with that figure until I was waiting for my title to come in after a few months of working overtime to hurry and pay this car off and when the statements kept coming in after I knew it should have been payed off I started calling XX/XX/XXXXXXXX and they all told me that this was correct so i asked for the paperwork they had. they did send it to me and i can perfectly see the magnitude of the wrong that was done to me by this company. Plus the add ons that already came on the car that they added on again

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