vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: MN

Complaint narrative:
On XXXX XXXX XXXX I initiated an international remittance transfer of approximately {$5500.00} through Abound from my U.S. bank account to a beneficiary XXXX account in XXXX. The funds were debited immediately through ACH. At the time of initiation, the delivery timeline communicated through the platform was approximately XXXX XXXX XXXX. The transfer was not completed within the promised timeframe. What was especially concerning throughout this process was the complete lack of proactive communication from the company. I was never meaningfully informed in advance regarding the delay, the reason for the delay, or the actual status of the transaction. Instead, I repeatedly had to follow up myself through emails and manually monitor the app while also repeatedly checking with the beneficiary account holder to determine whether any progress had been made. After multiple follow-ups from my side, the company stated that the delay involved their banking partner and mentioned XXXX XXXX XXXX, as the expected resolution timeline after escalation. However, that timeline also passed without completion of the transfer. Even after repeated escalations, the company continued providing largely generic responses stating that the matter was under escalation or that the funds were safe, without providing concrete operational information regarding where the funds were held, what issue was preventing settlement, or what stage the transaction was in. Due to the prolonged delay, repeated missed commitments, lack of transparency, and inability to access the funds, I submitted a formal Notice of Error under Regulation E requesting a written investigation and explanation regarding the transaction status and delay. While an automated acknowledgment ticket was generated, I did not receive any substantive response addressing the specific concerns raised in the notice. The funds were ultimately credited around XXXX XXXX XXXX, XXXX time, approximately 2324 days after the transfer was initiated. Even upon completion of the transaction, there was no meaningful communication from the company informing me that the transfer had been completed. This entire experience caused immense financial stress, burden, and concern due to the prolonged inaccessibility of a significant amount of money combined with the lack of operational transparency and repeated missed timelines. As a consumer dealing with a financial services company, I believe the handling of this situation and the level of communication provided throughout the process were extremely inadequate and unacceptable.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I am filing this complaint because Capital One has failed to provide copies of my historical credit card statements. On XX/XX/XXXX, I sent Capital One a written request for all monthly statements for my former credit card account covering XX/XX/XXXX through XX/XX/XXXX. I need these statements for tax filing and financial records. After receiving no statements, I followed up several times by phone. Capital One later told me the statements had been sent to my attorney, but my attorney confirmed that they had not received them. On XX/XX/XXXX, I sent a second written request asking Capital One to provide the statements or explain what additional verification was needed. I still have not received the statements, and this delay is affecting my ability to properly complete my tax filing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I am submitting this complaint regarding the actions of ONEMAIN, which has failed to provide proper validation of an alleged debt after my written request. On XXXX XXXX XXXX, I sent a debt validation letter by certified mail to OneMain in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). Despite my request, the collector has not provided any documentation or information to verify the debt, yet continues to make collection attempts. This lack of response violates my rights under the FDCPA, which requires collectors to provide debt validation upon request and to cease collection activities until such information is provided. I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that OneMain complies with the law. Attached are copies of my original validation request and any correspondence related to this matter. Thank you for your attention to this issue. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: VA

Complaint narrative:
I am filing a complaint against Chime regarding a locked account and lack of meaningful resolution from customer support. My account had {$60.00} in savings. It got closed XX/XX/year>. My Chime account has been locked, and despite completing all requested verification steps multiple times, I still do not have access to my account or funds. I have contacted Chime support repeatedly and have not been given a clear explanation for why the account remains locked, what additional information is needed, or when the issue will be resolved. I have already : - Verified my identity - Submitted requested documents - Contacted customer support multiple times - Attempted account recovery through the app and phone support Each time I contact support, I either receive generic responses or am told the issue is under review without any timeline or resolution. Because of this lock, I am unable to access my money and banking services. This situation has caused financial hardship and significant stress. I am requesting that Chime : XXXX. Provide a clear explanation for the account restriction XXXX. Complete a manual review of my account immediately XXXX. Restore access to my account and funds, OR provide a process for releasing my remaining balance XXXX. Unlock my account temporarily so Im able to get my funds. I would appreciate CFPB assistance in helping resolve this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Upon getting a credit alert I checked my credit profile and saw some unauthorized accts on my profile please remove asap Thank you

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 2026-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Upon getting a credit alert I checked my profile and seen some unauthorized acts on my profile, please remove, thank you

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 non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XXXX XXXX, XXXX I was sent a bill for past due amount of XXXX XXXXXXXX a XXXXXXXX XXXX XXXXXXXX XXXX XXXX which I paid off balance XX/XX/XXXX and never used again but did not cancel the card. I called the company and told them I did not make a charge on that card but they continue to charge me XXXX {$39.00} late fees.

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 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
In XX/XX/XXXX I am filing this complaint regarding inaccurate and inconsistent credit reporting being furnished and/or verified on my consumer credit reports. The account in question is reporting differently across multiple credit bureaus, including inconsistencies involving account status, payment history, balance, dates, and/or reporting remarks. Despite previous disputes, the information continues to be reported inaccurately and remains unverifiable. Under the Fair Credit Reporting Act ( FCRA ), furnishers and consumer reporting agencies are required to report information with maximum possible accuracy and conduct a reasonable investigation of disputed information. The reporting on this account appears inaccurate, inconsistent, misleading, and/or improperly verified. I am requesting that the furnisher and credit reporting agencies provide competent evidence supporting the accuracy of this reporting, including : * Complete payment history * Original signed agreement or contract * Itemized accounting of the balance * Date of first delinquency * Documentation supporting the current account status * Proof of authorization to furnish this information If this information can not be properly validated and verified as accurate and complete, I request immediate deletion of the account and correction of all related reporting from my consumer credit files. I also request that all credit bureaus update or remove any information that is inaccurate, incomplete, misleading, duplicated, re-aged, or inconsistent pursuant to the Fair Credit Reporting Act. I expect a thorough investigation and written response regarding the outcome of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THESE COLLECTION ACCOUNTS ARE NOT MINE AND WERE NOT AUTHORIZED BY ME. I DO NOT RECOGNIZE THESE ACCOUNTS AND HAVE NO RESPONSIBILITY FOR THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am filing a complaint regarding the handling and denial of my credit card dispute with Navy Federal Credit Union for a transaction with XXXX XXXX in the amount of {$5300.00}. On XXXX XXXX XXXX, I purchased a bag during a XXXX live sale after being explicitly told the item was in perfect condition. This representation directly influenced my decision to purchase. Upon receiving the item on XXXX XXXX XXXX, I immediately discovered that the item was not as described. The issues include : * Tarnished lock hardware * Structural instability ( bag does not stand properly ) * Overall condition inconsistent with perfect condition representation during sale On XXXX XXXX XXXX, I promptly attempted to return the item and request a refund. However, the merchant refused the return request. I also attempted to contact the seller but received no response. Due to the merchants refusal and lack of response, I escalated the matter through Navy Federals dispute process. The dispute was later closed and denied on the basis that the charge was accepted upon receipt of goods. I disagree with this determination because : * I did not accept the merchandise in usable condition * I attempted a return immediately within the merchants return window * The item remains unused and available for return * The merchant did not cooperate or provide resolution I also attempted to upload supporting documentation through my Navy Federal account but was unable to do so due to technical issues. What I want ( Resolution Request ) : I am requesting : 1. Reopening and full reconsideration of the dispute 2. A detailed explanation of the evidence used to deny my claim 3. Copies of all merchant documentation and communications used in the investigation 4. A reversal of the transaction due to misrepresentation and failure of merchant to accept a timely return 5. Proper investigation of the merchants refusal to accept the return request within the stated timeframe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: OR

Complaint narrative:
I went to dinner with my fianc for my birthday XXXX XXXX. While at dinner my purse was on my chair and someone walked by and took it right off my chair without my knowledge or permission. When we were getting up to leave is when I noticed my personal belongings werent with me any longer. I immediately contacted the local law enforcement and filed a report. I have a XXXX and XXXX XXXX account I immediately informed them and they took appropriate action to protect me and my identity. I completely forgot about my Cash App card and not contacting them I was violated and unfortunately my Cash App card was used on several occasions including being in touch with family members asking them to send money via Cash App. My mother didnt know it wasnt me and did in fact send money before I could inform her of my situation. Money was taken out of my account and when I realized I had been violated and my card had been used I contacted Cash App via app on phone. Explained the situation included the police report and video footage of an unknown woman walking by and taking my purse from my chair while at dinner. I was sent an email today saying they believe I had knowledge of the transactions and or approved someone to use my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
which has failed to provide proper validation of an alleged debt after my written request. On XX/XX/year>, I sent a debt validation letter to JEFFERSON CAPITAL SYST in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). Despite my request, the collector has not provided any documentation or information to verify the debt and continues collection attempts. This lack of response violates my rights under the FDCPA, which requires collectors to provide debt validation upon request and to cease collection. Otherwise, I want it to be deleted immediately from all credit reports. I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that JEFFERSON CAPITAL SYST complies with the law. Attached are copies of my original validation request and any correspondence related to this matter. Thank you for your attention to this issue. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
On XX/XX/year>, I attempted to use my {$200.00} American Express XXXX XXXX to purchase gas and water for my vehicle at a XXXX XXXX for the amount of {$17.00}. Despite the card being active and properly added to my XXXX XXXX, the transaction was declined. When I contacted customer service, I was informed that the merchant had allegedly stored my card number, and because of this, American Express invalidated my card effective immediately. I spent XXXX hours on the phone with representatives explaining that I am a homeless veteran with no physical address to receive mail, meaning I can not receive a physical check. I explicitly requested that American Express honor the terms of our agreement, which state that if a card is compromised, they " will issue you a replacement eGift card effective immediately upon reporting the issue with the card ''. Furthermore, their terms state that if no fraud is found, they may " reinstate your ability to use the XXXX XXXX ''. Despite these clear contractual obligations, the representatives refused to issue a digital replacement and insisted on a check, which effectively denies me access to my funds. I needed these funds for immediate necessities, and American Express is currently in breach of their own " Replacement '' and " Reinstatement '' clauses by withholding my available balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: WA

Complaint narrative:
I am filing a complaint regarding Chimes handling of a coordinated fraud incident involving impersonation of Chime fraud support. On XX/XX/XXXX, I received what appeared to be a legitimate fraud alert impersonating Chime. I then received a phone call from someone posing as Chime fraud/customer service. During this scam, my account was compromised. Multiple transactions occurred during the same incident : - Cash App : {$1500.00} - XXXXXXXX XXXX : {$180.00} - XXXX : approximately {$20.00} I reported the fraud within minutes. Chime later required account security actions, including password/account protection measures, indicating the account was treated as compromised. Chimes own documentation also references changes to personal account information. Chime reimbursed the XXXX transaction but denied the XXXX XXXX and XXXXXXXX XXXX transactions, even though all arose from the same fraud event. I am requesting review of whether this incident was properly classified and whether the investigation fully considered the coordinated account compromise rather than isolating individual transactions. I request : - full reconsideration of denied claims - explanation for inconsistent treatment of related transactions - review of login/device/IP records - review of account changes during the incident - complete written investigation findings

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I am XXXX XXXX, and I am filing this escalation complaint regarding my previous complaint number XXXX against Portfolio Recovery Associates LLC XXXX My original complaint detailed the erroneous reporting of an account, purportedly in collections, on my credit reports with XXXX, XXXX, and XXXX. Despite my efforts to resolve this issue, the company has not provided a substantive response or conducted a reasonable investigation, as required by law. The account in question, with the account number ending in XXXX, is inaccurately listed as having a balance of {$630.00}. I have never been contacted by Portfolio Recovery Associates LLC regarding this alleged debt, and this inaccurate reporting is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies ensure maximum possible accuracy of the information they report. Furthermore, the company 's failure to conduct a reasonable investigation upon my dispute contravenes 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires prompt investigation of disputed information. In response to my initial complaint, Portfolio Recovery Associates LLC failed to provide any substantive reply or evidence of a reasonable investigation, which is an evasion of their statutory obligations. The company 's lack of response is indicative of a pattern of non-compliance with federal consumer protection laws. This non-response is not only inadequate but also a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits the use of false, deceptive, or misleading representations in connection with the collection of any debt. Given these violations, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take enforcement action against Portfolio Recovery Associates LLC. This should include a thorough investigation into their practices and penalization for their willful non-compliance with the FCRA and FDCPA. Additionally, I demand the immediate deletion of this erroneous account from all credit bureaus and a cessation of any collection activities related to this account. I reserve my rights under 15 U.S.C. 1681n for willful non-compliance, 1681o for negligent non-compliance, and 1692k for damages under the FDCPA. This matter has caused significant distress and potential harm to my financial standing, and it is imperative that the CFPB holds Portfolio Recovery Associates LLC accountable for their actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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