vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: KY

Complaint narrative:
I opened a XXXX XXXX account for investing. I went to make a purchase with my robinhood account. They flagged it as suspicious activity because the transaction was for {$7000.00} to purchase a vehicle. After confirming it was me they cancelled my membership and said we not longer want you as XXXX customer per our agreement which is fine. It is worth noting they have a documented history of this with other clients. They returned roughly {$5000.00} of my money but still have over {$7500.00} after several emails and attempted phone calls it still has not been returned it has been months since the closing of my account. The initial XXXX was returned within XXXX weeks. When i attempt to email them they rinse and repeat with a generic email saying they can no longer service my account. I have screen shots and proper documentation to prove this. Also worth noting every time i have been able to call them within an XXXX or XXXX I get a scam call of someone pretending to be robinhood trying to ask me if i have a crypto wallet so they can access it and steal money. When XXXX asked me to provide a bank statement with bank account, routing number, name and address visible. I told them thats not at option due to the blatant security breaches they have in there system. They still have not returned my money and finra for the XXXX XXXX arbitration is not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 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: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I made a purchase at XXXX through CashApp Pay for a total of {$480.00} with {$180.00} of it coming from CashApp On XX/XX/XXXX I refunded said purchase, received a return receipt, and waited the 10 business and 14 Calendar days that CashApp said would be the maximum window for a return. XX/XX/XXXX I contacted them again and received no update and confirmed again with XXXX that its already been processed on their end, yet CashApp still will not return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello; I was charged .. an Interest rate for a few months .. By XXXX XXXX Card.. which was closed .. and I '' ve been with a Credit Consolidation program since XX/XX/year>. They are still charging me interest on the Account which should not be.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: WLCC
State: FL

Complaint narrative:
received this email at XXXX on sunday, XX/XX/XXXX. ( note : class action lawsuit already filed in indiana by XXXX else on this company ) ATTN : XXXX DEPARTMENT Hello, My name is XXXX with XXXX XXXX. I am contacting you regarding a confidential matter of an employee payroll deduction. I am requesting a secure Fax Number / Email Address for your company 's payroll department. I sincerely appreciate your help with my request. Please reference Account XXXX XXXX. Please email : XXXX or fax to : XXXX. Thank you. This communication from a debt collector is an attempt to collect a debt and any information obtained will be used for that purpose. XXXX I replied back : to XXXX ( on XX/XX/XXXX at XXXX pm ). Hello, Please remove our information from your records. Do not contact us further regarding this matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I used Affirm to finance a purchase that was delivered damaged. The items had dents and scratches upon arrival, and I contacted the merchant on XX/XX/XXXX, providing photographic evidence of the damage. I rejected the goods and requested a return and refund. Instead of honoring my request, the merchant sent a replacement without my consent on XX/XX/XXXX. I immediately notified them that I did not want a replacement and again requested a refund. The merchant refused, citing a final sale policy that was not disclosed on the product listing and does not apply to damaged or defective goods. The merchant then stopped responding. I disputed this transaction with Affirm on XX/XX/XXXX. The dispute was denied. A second dispute was submitted on XX/XX/XXXX at XXXX XXXX with the assistance of Affirm support, including the same documentation and evidence. Affirm denied the dispute again. After contacting Affirm by phone, I was transferred multiple times without resolution and was unable to obtain meaningful assistance, which ultimately required me to escalate the matter by filing this complaint. Separately, my financial institution reviewed the matter and ruled in my favor, determining the merchandise was received damaged and not as described.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: WA

Complaint narrative:
In XX/XX/XXXX my former landlord XXXX XXXX XXXX issued a {$310.00} security deposit statement containing improper charges including an undocumented {$490.00} turnover fee, estimated utility charges dating back to XX/XX/XXXX before my XX/XX/XXXX move-in date per my lease contract, and an unauthorized admin fee. I emailed XXXX in XX/XX/XXXX requesting they pause sending to collections as the charges were disputed. They ignored this and sent to Aldous & Associates P.L.L.C. anyway. Aldous & Associates P.L.L.C. sent a collection letter XX/XX/XXXX stating : 'If you write to us by XX/XX/XXXX, we must stop collection on any amount you dispute. ' I mailed a certified dispute letter XX/XX/XXXX, well within their deadline, disputing the debt and requesting written verification. I also filed a small claims lawsuit against XXXX XXXX XXXX in XXXX XXXX XXXX XXXX Oregon ( Case No. XXXX ) on XX/XX/XXXX. XXXX was served twice and never responded. I have since filed a motion for default judgment and am awaiting the judge 's signature. Despite receiving my certified dispute before their XX/XX/XXXX deadline, Aldous & Associates P.L.L.C. reported this collection to XXXX in XX/XX/XXXX and again in XX/XX/XXXX without ever sending me written verification of the debt. They never responded to any of my requests. A representative also verbally threatened before my dispute letter that not paying would result in permanent credit damage. Aldous & Associates P.L.L.C. added the notation 'Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) ' to my XXXX report, proving they knew about my dispute, yet continued reporting active collection marks anyway. My credit score dropped approximately XXXX points as a result. I am requesting the CFPB investigate Aldous & Associates P.L.L.C. for violating FDCPA 15 U.S.C. 1692g by continuing collection activity after receiving my written dispute without providing verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: NH

Complaint narrative:
I am submitting this statement regarding the recent closure of my CREDIT KARMA CHECKING and/or spending account, as well as the unresolved unauthorized transactions on my account. After identifying multiple unauthorized charges beginning on or about XX/XX/year>, from merchants including XXXX XXXX XXXX and XXXX XXXX etc, I acted promptly to protect my account by reporting the activity and initiating disputes. These transactions were not authorized by me, and I did not benefit from them in any way. Shortly after disputing these fraudulent transactions, my account was closed. I am concerned that my account may have been closed as a result of my efforts to report and resolve unauthorized activity as I was told this by and agent that due to my dispute I am high risk. I am requesting a clear explanation for the account closure, including whether it was related to the disputes I filed. I also respectfully request that this decision be reviewed. Most importantly, I am requesting full reimbursement of all unauthorized transactions associated with my account. I have consistently stated that these charges were fraudulent, and I expect to be made whole for the financial losses incurred. Additionally, I request confirmation that any remaining funds in my account will be returned to me promptly. I have acted in good faith to report fraud and protect my account, and I am seeking a fair resolution, including both reimbursement and transparency regarding the actions taken on my account. Thank you for your time and attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I was scammed on a business chat, called house for rent on a XXXX marketing that also use chime. For the amount of XXXX dollars. I told XXXX that I still had my card, but after associating with this fake landlord that something went wrong with my account and I called for days trying to get the company to fix my account. I couldnt log into my account. I couldnt pay nobody, but there was money missing from my account. It was paid to this person that was trying to get money from me that was pretending to be a fake landlord afterwards, blocked the business so XXXX not for sure if XXXX chime account is real but I told chime I never made these transactions. They just disputed my case, XXXX in XXXX hours and disrespected me by multiple representatives and never follow those cases by being disrespected. I had to close my account and let these scammers get away with my money and thats not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 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: MA

Complaint narrative:
On XX/XX/scrub>, 2026, at XXXXXX/XX/XXXXa transaction in the amount of {$350.00} was made on my Chime account that I did not authorize. I reported the unauthorized charge to Chime immediately. Chime denied my claim, stating that the card was used in person. This determination is incorrect. At the time of the transaction, I was at work and remain at work until XXXX XX/XX/XXXX every weekday, making it impossible for me to have made the purchase. Additionally, I had my card in my possession the entire time. After reviewing the transaction, I researched the business where the charge occurred and found that the store was closed. it seems to be a fake business. I provided Chime with evidence supporting my claim, including proof that I was at work and documentation showing that the store does not seem to be real. Despite this, Chime denied my claim again. I was then instructed to file a police report. I filed the report and submitted it to Chime as requested, but my claim was denied once more. I have since taken steps to secure my account, including changing my passwords and obtaining a new card. However, I have not been refunded the {$350.00} for this unauthorized transaction, and I am seeking assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX I called multiple times each of these days and was told I would be able to use my ATM card. I was not able to as the card declined every transaction. I was then told by the fraud department I had to wait up to XXXXXXXX XXXX and still my card was being declined. There is a dispute that I did not request. I asked the fraud agent to close the dispute and it has not been close.the only actions that were done was a note on the account to close the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing this complaint against Citibank regarding a promised referral bonus that has not been paid. On XX/XX/year>, I referred a family member to open a new checking account at Citibanks XXXX XXXX XXXX. At the time the account was opened, the banker confirmed that I would receive a {$100.00} referral bonus within 30 days. After I did not receive the bonus, Citibank sent me a letter dated XX/XX/year>, confirming the results of its review and stating that I would receive the {$100.00} referral bonus within 120 days from the date the referred account was opened. More than 120 days have now passed since the account opening date, and I still have not received the {$100.00} referral bonus. During the past XXXX weeks, I contacted the XXXX XXXX branch XXXX times seeking assistance. However, I was informed that the issue could not be resolved at the branch level and no further resolution was provided. Citibank has confirmed in writing that I am eligible for this referral bonus, yet has failed to issue the payment within the stated timeframe. This is unfair and misleading, as I relied on Citibanks representations when making the referral.

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 2026-03-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am filing a complaint against Chase Bank regarding a denied fraud claim involving unauthorized XXXX transfers totaling {$500.00}, on XXXX XXXX, I was contacted by an individual impersonating Chase Bank and was misled into believing there was fraud on my account. During this interaction, transfers were made from my account without my true authorization, as I was deceived by the scammer. Chase Bank, intercepted the call during this attempted transaction, I was initially told that the transactions were stopped. However, I was later informed that the funds would not be refunded. I relied on this information. I requested that the claim be reopened, but I am still being denied reimbursement. This was not a legitimate authorized transaction it was induced by fraud and impersonation. Under the Electronic Fund Transfer Act ( Regulation XXXX ), I am requesting a full investigation and reimbursement of the funds. I am on a fixed income, and this loss is causing financial hardship. I am requesting that Chase Bank reverse the fraudulent transactions and return my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NH

Complaint narrative:
I am filing this complaint regarding unauthorized transactions on my account with Chime. On or about XX/XX/year>, my card information was used without my authorization to make multiple transactions across several online gambling and gaming platforms, including XXXX XXXX, XXXX, XXXX XXXX XXXX, and other similar merchants. These transactions were not made by me, and I did not give permission to any individual to access or use my card. There are two separate issues : 1. A set of unauthorized transactions totaling approximately {$150.00}, which I disputed with Chime. This dispute was denied within approximately three days without what appears to be a reasonable or thorough investigation. 2. A second, much larger series of approximately XXXX unauthorized transactions made across these same merchants, which I have also disputed and is currently under review. I immediately took action upon discovering the unauthorized activity by reporting the transactions to Chime and initiating disputes. I have clearly stated that these charges are fraudulent and unauthorized. I am concerned that my initial dispute was denied without a proper or reasonable investigation. Given the number of transactions, the involvement of multiple online merchants, and the nature of the activity, this clearly indicates unauthorized access and potential fraud. I am requesting that Chime conduct a full and fair investigation of all disputed transactions, including contacting the merchants and reviewing any relevant transaction data, device access logs, or account activity. These transactions have caused significant financial hardship, and I am seeking a full refund of all unauthorized charges. I respectfully request that Chime : - Reopen and properly investigate the previously denied dispute - Thoroughly investigate all unauthorized transactions across all listed merchants - Provide documentation of their investigation findings - Issue refunds for all confirmed unauthorized charges I did not authorize these transactions, did not benefit from them, and my account security was clearly compromised. I am also in the process of filing a police report regarding this unauthorized activity. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 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 Monday, XX/XX/year>, at approximately XXXX PM, an unauthorized charge of {$30.00} appeared on my Cash App account. I did not authorize this transaction. I immediately contacted XXXX to dispute the charge and simultaneously attempted to file a dispute with Cash App while the transaction was still in a pending status. Cash App refused to process my dispute while the transaction was pending and instructed me to wait until the charge fully posted before they could take action. This delay cost me critical time that should have been used to investigate and reverse the unauthorized charge. After the transaction posted, I filed an official dispute on XX/XX/year>. Since that date, I have made multiple requests for escalation and have received nothing but scripted, unhelpful responses that do not address my concerns. Cash App has refused to issue a provisional credit, which they are required to provide within XXXX business days of a Regulation XXXX claim under the Electronic Fund Transfer Act ( XXXX ). I formally requested a Regulation XXXX investigation through Cash Apps support chat. The advocate acknowledged my complaint but refused to open a Regulation XXXX investigation, stating no new information was provided and attempting to close my case. This is documented in writing. My complaint reference number with Cash App is XXXX. I have also contacted XXXX Bank, the issuing bank behind Cash App, to open a separate Regulation XXXX investigation. Cash App has had every opportunity to resolve this and has willfully failed to do so at every step. I am requesting a full refund of the unauthorized {$30.00} charge, a formal Regulation XXXX investigation, and all documentation Cash App used in their review of my disputes. Cash Apps repeated refusal to investigate, issue provisional credit, or provide meaningful responses constitutes a violation of the Electronic Fund Transfer Act and Regulation XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 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: Klarna AB
State: NJ

Complaint narrative:
I ordered a XXXX XXXX watch from XXXX. after weeks of reaching out, they kept telling me my item was coming but no shipping info. I researched online and found hundreds of reviews saying its a fraudulent watch company. XXXX of reviews on XXXX, of people saying they never received their items or if they did, they were fake. I kept getting fake customer service emails from them guaranteeing the product would come soon. I filed dispute XXXX Klarna. I paid the first installment of XXXX XXXX Klarna refunded me the XXXX XXXX XX/XX/year>. Now XXXX months later they send me an email saying they ruled in Klarnas favor and now I owe the money for the {$300.00} watch. No reason why they ruled in their favor. XXXX explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: WA

Complaint narrative:
I took out a loan ( account number on request ) from Lightstream in XX/XX/XXXX. I have made all payments as scheduled, with the exception of the payment in XX/XX/XXXX. I did not make that payment. Since then, I have made all payments on time, and I have billing statements and statements from my bank to prove all other payments from XX/XX/XXXX to today. On checking my credit score, in anticipation of a mortgage application and bid on a house, I found a recent drop in my credit score on Friday, after Lightstream reported " XXXX late payments '', which is inaccurate. I have made XXXX late payment. I attempted to call them today to resolve the issue, which was the first time after seeing this change on Friday which I was available to call. They said they are not able to help with this over the weekend. I will attempt to call tomorrow. I am deeply concerned about the impact this false information on my credit report will have on my mortgage application.

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 2026-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
There was XXXX money transfers made between XX/XX/XXXX and XXXX, all going to the same XXXX Cash App accounts, XXXX were made on the XXXX were for {$87.00}, then there was XXXX large one made for {$360.00} on XX/XX/XXXX. Both of these transactions were made completely behind my back and without my approval by a minor. I contacted Cash App, they reviewed my refuse request but eventually denied me it. XXXX contacting you now hoping for a better outcome. XXXX leave any important information such as Cash App tag and transaction numbers below. Cash App Tag : $ XXXX Transaction Numbers : # XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation