vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
I am filing this complaint because I was the victim of an online scam, and my bank ( Chime ) has refused to properly investigate or reimburse the fraudulent transaction. On XX/XX/year>, I attempted to purchase a product from a website called XXXX ( XXXXXXXX ). The site appeared legitimate, and I paid {$300.00} using Chimes Pay Anyone feature. After payment, the seller provided a link to a fake shipping company called XXXX XXXX ( XXXX ), which displayed fabricated tracking information and false business details. I never received any product, and both websites are fraudulent. 
I contacted Chime to dispute the transaction, but they denied my claim without conducting a reasonable investigation. I was misled into sending money to a fraudulent merchant, which qualifies as fraud under Regulation XXXX Chimes denial does not reflect the facts of the case or the evidence I provided. 
I have filed reports with law enforcement and federal agencies, including : XXXX Police Department ( XXXX XXXX, Badge XXXX ) on XX/XX/year> at XXXX PM XXXX XXXX ( FBI XXXX XXXX XXXX XXXX ) FTC XXXX Federal Trade Commission ) I have screenshots of the fake merchant website, the fake shipping website, the fraudulent tracking page, the duplicate order dashboard, the payment confirmation, and all communication from the scammer. I am requesting that the CFPB require Chime and its partner bank ( XXXX  XXXX XXXX, XXXX. ) to conduct a proper investigation under Regulation XXXX and reconsider my dispute. 

I was scammed by a fraudulent website ( XXXX ) and paid {$300.00} through XXXX  Pay Anyone feature. The seller sent fake shipping information from another fraudulent site ( XXXX ), and I never received any product. I reported the fraud to Chime, but they denied my dispute without a reasonable investigation, despite clear evidence that I was deceived. I have filed reports with the XXXX Police Department, IC3, and the FTC. I have screenshots of the fake websites, tracking page, payment confirmation, and all communication. I am requesting that the CFPB require Chime and its partner bank ( XXXX  XXXX XXXX, XXXX. ) to properly review my case under Regulation XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: CA

Complaint narrative:
Submitted FTC and police report for identity theft, and Discover states the account is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 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: CA

Complaint narrative:
XXXX, XXXX ( also called " XXXX  '' ), is forcing users to pay for access to artificial intelligence. XXXX increased the fee that users pay for to let readers know they are human by 400 % -- to {$390.00}. The bulk of this fee is to pay foXXXX XXXX XXXX XXXX XXXX 

The fee was paid for a year in advance, and XXXX will not let users cancel this XXXX. 

Users did not receive a notice, a receipt or an invoice for this bill. It just suddenly appeared on credit cards. Numerous victims have posted this unauthorized fee on the internet. 

I asked my credit card company, Bank of America Visa, to refund my {$390.00}. Bank of America responded that because I did not have a sales invoice, they could not let me dispute the charge. 

I have attached the article I wrote on this under documents. It includes photos and other people 's complaints about, what is essentially, a fraudulent 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 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I put a complaint in because XXXX XXXX claimed they never received the product i sent back because it was faulty on XX/XX/year> branch responded the next day saying they were waiting on chargeable response on the XXXX they asked for tracking and proof of delivery I sent it the next day the responded they were waiting on a pre arb response I thanked them for the update an reminded them we are at the XXXX day mark and I expect my provisional refund by the end of the day or XXXX filing a complaint with the cfpb and no response so this is why I'm filing a complaint

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 2026-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MN

Complaint narrative:
XXXX sent to Mohela on XX/XX/XXXX uploaded to their system. 
Two issues in question 1. Tax form 1098-E for 2025 2. Itemized payments not allowed, even though payments are XXXX dollars over the monthly minimums. Payments have been XXXX to XXXX dollars a month. 
1. Issue In looking at my tax documents for XXXX the 1098-E indicated that XXXX dollars of interest was received by the lender. This is false, it is illegal, unethical, and unlawful. Attached with this letter is the 1098-E from the Mohela website the PDF stating the interest paid during the 2025 year. This was pulled from the payment history from the Mohela website. The total interest was {$1100.00} for XXXX. Please fix this to reflect the correct interest that was received by Mohela. This should have been available to me on XX/XX/XXXX. Fix your issues. 

I again upload a letter on XX/XX/XXXX to request an updated document for taxes as taxes need to be completed before XX/XX/XXXX. 

2. Issue I want to have the right to itemize payments to the different loans on my account. During the last 18 months I have made payments that are well-over the minimum. The system does not allow me to place payments where I see it is best for me to tackle interest. I do not want the system to auto correct how my payments are distributed.

Your specialist could not even do this for me over the phone as well. You have legal theft going on to keep me paying more interest.

These are the two issues.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lendmark Financial Services
State: GA

Complaint narrative:
This company sent me an email about a debt that does not belong to me or anyone i know. They have this person 's name and debt details, very sensitive information and just shared it with me in the email. Very not okay and illegal. Debt collectors get away with so much, but this is inexcusable. I have the amount, his name, the end of the account and a login pin.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On on XX/XX/year> I received a call from a no caller ID stating that they were with XXXX XXXX XXXX department. Being that my friend got XXXX  last night, they assured me that by sending money it would allow for her to get out sooner. They asked me to send money through XXXX XXXX, which I did. they stated the payments did not go through. They then asked that I go to XXXX in XXXX around this time. They asked me to send the money through Cash app. I placed XXXX transactions through Cash app totaling {$1500.00}. I sent a dispute through Cash app Support. The scammers were able to call me through the sheriff departments number as well for verification, they were even able to send me text to reset my pin number through Cash app due to the sincerity of the situation with my friend in XXXX, I believed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
My wallet was stolen and an unauthorized {$500.00} ATM withdrawal occurred in a location I do not visit. I reported the transaction within XXXX hour of discovery. The company denied my dispute solely because a PIN was used, despite the fact that my physical debit card was stolen. Under Regulation XXXX, I reported the unauthorized electronic fund transfer within the required timeframe. I am requesting a reinvestigation and reimbursement of the {$500.00} unauthorized ATM withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I have used my visa gift card from Vanilla for recurring transaction and identify duplicate transaction and raised concerns about it on XX/XX/XXXX. My card was immediately blocked and dispute case was created. After long wait and couple of follow up, card company has resolved my dispute and made final decision on XX/XX/XXXX to refund entire remaining balance of my gift card as check. I never received check and I reached out on XX/XX/XXXX. XXXX requested for address proof with address and I have share bank statement on XX/XX/XXXX. Post that I have followed up multiple times via email and 10+ phone calls but I haven't received checks or update even after 90 days from original dispute case. I have attached email thread as well as final decision letter that I received from company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sezzle Inc.
State: AL

Complaint narrative:
This product was not as advertised and not helpful at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
basically i filed my taxes and they were approved i had to sent to sofi bank because i wanted to try a different bank i have multiple transactions on there also proof that i filed my taxes also have XXXX and multiple banks with my name but i tried to wire my money from there to hunnington bank so i can save money it said XXXX dollars if i took it off with apple pay it would of took XXXX in fees so i wired and it not to long after a lady calls me first thing she did was accuse me and restricted my account i couldnt even say anything i understand thats there job but i was being 100 % truthful and this happened before my birthday and its making me come out of even more money which i feel like its crazy first question she asked me was i put the money in my savings like what do u mean its my money and she can look at other transactions i understand but thats crazy and then told me i seemed nervous XXXX seconds into the conversation didnt even try to understand anything then after i call them on a XXXX they tell me wait till friday a day then i call them the next day they talking about they need more for there investigation like it could of been real simple so now i wait to wait multiple days and i feel like when i call them when the weekends over there still gon na tell me they need multiple days there customer service is terrible also i always transfer money to my savings because at the end of the day its my money im allowed to use it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-22 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: AL

Complaint narrative:
I searched online for movers XX/XX/year>. XXXX XXXX obtained my information & contacted me. They convinced me they were worth more because they would load everything for me. I WAS REASSURED MULTIPLE TIMES that THIS WAS A TOTAL CHARGE with NOTHING ADDITIONAL! Even tho I disclosed ( ie ) I had a stack of pictures & TVs. Nothing was said that I had to box everything, etc. I was told the price was a butterfly special offered by the government and the discount would be going away fast The caller would not quit talking-just kept telling me to just scroll to the bottom & sign-reassuring me that I could change arrangements any time. When I actually had a chance to read the disclosures, I found completely different information than I was told-including a no refund deposit. 

When the estimate was sent to me for signature, I was pushed to sign it - I was told that there was a " butterfly discount '' being applied and it was going to be gone soon so I didn't have time to waste. Also, I WAS REASSURED MULTIPLE TIMES that THIS WAS A TOTAL CHARGE and there would be NO ADDITIONAL CHARGES INCLUDING NO TAX!!!! 

Upon receiving & reading the moving company " rules '', I saw that " we pack everything '' was false. I read that actually the company required all TV 's & pictures to be boxed/packed. I called XXXX MINUTES after reading the contract sent to me to question why I was told " we pack everything '' only to find that the contract emailed to me different. I requested a cancellation. I was refused. Upon reading their cancellation policy, I saw that it said you have XXXX hours to reply by email & request a cancellation. I followed this rule and sent an email within XXXX hour after placing the order. When I saw the charge was still on my XXXX Citicard statement, I filed a dispute. Approximately XXXX month later, Citicard emailed me that the moving company refused refund so they put the charge back on my card. I complained again - I could not believe I followed the moving company rules/requirements and when they illegally ( in my opinion ) would not provide a refund, Citicard did no support me as their customer/client. Citicard opened a XXXX dispute. Again, after approximately a month, the moving company refused to refund and Citicard charged me! I believe it must be because I'm an easier target for collection. I thought a major reason for using a credit card was to protect you from scams/fraud. I don't understand why Citicard is not doing that!

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 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request i validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CarMax, Inc.
State: IL

Complaint narrative:
This account doesnt belong to me. This account ( CAF ) Carmax XXXX XXXXXXXX never done business with them. This is the account number # XXXX. 

I am writing to formally request the immediate removal of the fraudulent account that is currently appearing on my credit profile. This account does not belong to me and is negatively affecting my credit standing. 

I have filed a police report regarding this identity theft, as well as reports with the Federal Trade Commission ( FTC ). I can provide copies of these documents upon request. 

Please investigate this matter promptly and confirm once the account has been removed from my credit file. 

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
this debt collector has been harassing me for over XXXX years, they sued me in court, which you'll see in attached documentation But they were unsuccessful in proving their case when I requested certain documentation like the certified Bookkeeping records and the complete purchase agreement. 

the refusal to submitted the required documents caused them to withdraw their claim, the company was angry about the outcome and threatened to ruin my credit worthiness, they have re-reported the information on my credit report as a form of harassment and ultimately a fulfillment of their promise to ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX, a {$4000.00} balance transfer check was issued by XXXX Bank to Citibank to pay down my Citi Double Cash account ending in XXXX. Citibank received the check on XX/XX/XXXX, as confirmed in writing. 

After multiple inquiries and documentation submissions, including a prior complaint to the CFPB ( case number XXXX ) on XX/XX/XXXX, Citibank posted XXXX {$4000.00} credit in early XX/XX/XXXX, then reversed it. 

On XX/XX/XXXX, Citibank sent me a written letter stating that : XXXX. A {$4000.00} credit had been applied and then removed XXXX. They would issue a {$4000.00} credit along with any associated interest within XXXX billing cycles Outcome : XXXX. The first billing cycle ( XX/XX/XXXX ) passed with no credit. 
XXXX. The second billing cycle ( XX/XX/XXXX ) passed with no credit, and I was charged {$61.00} in interest. 
XXXX. Citibank has failed to honor its written commitment. 

I am attaching documentation supporting all statements above.

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 2026-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
i was charged for a school that didnt deliver i was never offered a job and only got a certificate and the school was not a real school i would like a total refund

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
The debt collector sent an initial debt collection letter dated XX/XX/year>. Under federal law, I am entitled to XXXX XXXXays from receipt of the initial notice to dispute the debt and request validation. 
However, before the XXXX validation period expired, the debt collector reported the alleged debt to the credit reporting agencies. This action unlawfully pressured payment, overshadowed my statutory right to dispute the debt, and constitutes continued collection activity during the validation period. 
This conduct violates : XXXX U.S.C. XXXX ( a ) - ( b ) - failure to honor the XXXX dispute and validation period

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
Cash App closed my account without an explanation They stated it was gambling involved and I explained to them it wasnt. They have closed it without evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cashapp! Is a nightmare. No human support. My cashapp that I use for personal and for ministry purposes was randomly closed. After years of having it with no problems. They XXXX day closed my account. I reached out to appeal. They said they had no answer. 

They vowed to escalate the appeal. Long story short. After multiple calls. Appeals, escalations. Not XXXX person has reached out with explanation nor assist to recover funds or even get my account settled. I cant even open a new account. 

I feel betrayed. No answers and its a problem not only with me but XXXX of others.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am submitting this complaint to formally dispute a collection account that is appearing on my consumer credit report that does not belong to me. I do not recognize this account, I have never had a financial relationship with this creditor, and I have no knowledge of the alleged debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting full validation and verification of this alleged debt. Specifically, I request the following : 1. Proof that I am the individual legally responsible for this debt, including a signed contract, application, or agreement bearing my signature.

2. The name and address of the original creditor, including the original account number.

3. An itemized accounting of the amount being claimed, including principal, interest, fees, and any other charges.

4. Documentation showing how and when this account was transferred to the current collection agency, including the chain of assignment.

5. Verification that this account has been accurately reported to the credit reporting agencies in compliance with federal law.

Until proper validation is provided, this account should not be reported, re-reported, or updated to any credit reporting agency. If the collector can not provide sufficient documentation to validate this debt, I request that the account be immediately deleted from all credit reporting agencies. 

Please note that this letter is not an acknowledgment of liability, nor is it a refusal to pay a valid debt. It is a request for verification of a debt that I believe is inaccurate, unverifiable, or belongs to another individual. 

I am requesting that the CFPB investigate this matter and ensure compliance with all applicable consumer protection laws.

Company response to consumer: Closed with explanation