vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: VA

Complaint narrative:
I am filing a complaint regarding XXXX XXXX advance product and the automatic withdrawal of my entire direct deposit without adequate hardship consideration. 

I received my payroll direct deposit on XX/XX/year>. Immediately upon deposit, Chime withdrew my entire check to repay a XXXX balance of an amount that was not disclosed to me. This withdrawal consumed essentially my entire paycheck. 

As a result, I am now unable to pay my rent and am at risk of housing instability. 

I was not clearly presented with a visible or prominent notice that the full outstanding balance would be automatically withdrawn in XXXX lump sum from my next direct deposit. There was no meaningful opportunity provided to select a repayment plan, delay repayment, or arrange installments prior to the withdrawal. 

Upon discovering the withdrawal, I immediately contacted Chime customer support and requested a hardship accommodation or refund due to immediate rent insecurity. I escalated the matter to a supervisor and explicitly requested a hardship review. My request was denied without any accommodation options offered. 

I am requesting : XXXX. A review of whether the repayment disclosure was sufficiently clear and conspicuous. 
XXXX. A hardship accommodation review. 
XXXX. Consideration of a refund or conversion of the balance to an installment repayment plan. 

This situation has caused significant financial distress and housing risk. I am seeking regulatory review of XXXX repayment practices and the lack of hardship flexibility once a full paycheck is withdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES LLC states I owe money for a " debt '' they purchased. They never provided proof of a few specific transactions I told them were falsely charged due to identity theft. 
They still continue to this day to threaten to sue me and said I can end up facing jail time. 
The majority of the so called " debt '' was paid to another agent two years ago.

PORTFOLIO RECOVERY ASSOCIATES LLC more than likely paid pennies on the dollar for this " debt '' and are trying to bully me into paying highly inflated and false charges. They are price gouging consumers and committing a scam! Which would be Consumer Fraud I am going to speak with an attorney about filing a class action lawsuit because I guarantee this shady company has abused consumers on several occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: HYUNDAI CAPITAL AMERICA
State: OR

Complaint narrative:
This in response to my original complaint : XXXX The lender Hyundai Motor Finance is denying the complaint belongs to them. 

I am requesting a complete copy of the credit application and all information used to approve my XX/XX/year> auto loan financed by Hyundai Motor Finance. 

I reported approximately $ XXXX part-time contractor income at the time of purchase. I believe materially different income information may have been submitted in my name to obtain loan approval.

I have requested the original credit application and underwriting information but the dealer only provided a retail installment contract and not the application used in the credit decision. 

Hyundai Motor Finance ignored my request for this information repeatedly. 

This information was relied upon to approve the loan, report to credit bureaus, and later repossess the vehicle. 

I am requesting the complete credit application and all information used in underwriting and approval of this loan. 

If Hyundai Motor Finance believes the originating dealer is responsible for creating or transmitting the application, then both entities are in possession of records used in this credit decision. 

My request remains for the complete application and supporting data used to approve and service this loan.

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: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am filing this complaint regarding an unresolved billing dispute involving an unauthorized or unexplained charge of {$340.00} posted to my business checking account following a XXXX XXXX transaction. 

After returning from my cruise, I discovered an additional charge of {$340.00} that was not previously disclosed, itemized, or authorized. I immediately contacted the merchant ( XXXX XXXX XXXX ) to request an explanation and supporting documentation. Multiple representatives were unable to provide a clear breakdown, invoice, or contractual basis for the charge. 

Because the merchant could not validate the transaction, I filed a dispute with my bank. The bank denied my dispute without providing substantive documentation, investigative findings, or evidence demonstrating that the charge was authorized or properly disclosed. I was not provided with transaction records, merchant documentation, signed authorization, or proof that the charge complied with the underlying cruise agreement. 

As this transaction was processed electronically from my account, I am requesting confirmation that the bank complied with its investigative obligations under applicable federal law, including the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) and relevant UCC provisions governing commercial account disputes. Additionally, under the Dodd-Frank Acts prohibition against Unfair, Deceptive, or Abusive Acts or Practices ( 12 U.S.C. 5531 ), a financial institution must conduct a reasonable investigation and provide sufficient explanation when denying a dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Meta Payments Inc.

Complaint narrative:
I am a content creator on XXXX. Meta XXXX XXXX XXXX is withholding my earned revenue totaling {$330.00} for over a year. My Payout Account ID is XXXX. 
I have contacted Meta XXXX agents 32 times regarding this issue. Each time, they opened a case but closed it without actually releasing my payment or providing any human assistance. They marked the cases as complete, but my money was never paid to my bank account. 
I am attaching 10 monthly earnings statements as clear proof of my funds. Despite my constant efforts, the company continues to hold my financial funds without a valid reason. I request the CFPBs urgent assistance to ensure Meta XXXX XXXX XXXX releases my rightful earnings of {$330.00} immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD BANK allowed someone who stole my debit card to withdraw and make transfers on both of my XXXX  and XXXX  accounts without any ID or pin over the counter several times

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am respectfully requesting your assistance with Synchrony Bank because despite numerous requests for them to fully investigate this matter and remove it from my credit bureau and online profile they adamantly refuse to do what is morally and ethically right. Synchrony Bank has continually denied all of my requests for them to provide debt validation that clearly shows, substantiates and proves beyond a reasonable doubt that this debt actually belongs to me yet they keep reporting this debt as mine and then they knowingly, intentionally and deliberately perpetrate fraudulent behavior falsely claiming that XXXX 100 % responsible for payment of this debt even though I submitted proof that this account belongs to my son, XXXX XXXX XXXX XXXX and is being paid through automatic monthly payments of {$27.00} that Synchrony Bank withdraws out of his XXXX  XXXX XXXX checking account, Synchrony Bank keeps falsely and illegally harassing me about this debt even though I have submitted multiple fraud affidavits and told them to cease and desist with all further communications with me by telephone and any other means necessary regarding this illegitimate and fraudulent debt, Synchrony Bank adamantly refuses to obey my requests and continue to annoy, harass, annoy and violate the fair debt collection practices act, using abusive, unfair, illegal and deceptive practices and tactics trying to collect a debt that does not belong to me. Synchrony Bank continues to try and communicate with me despite all of my requests to stop. I feel that Synchrony XXXX  unlawful and illegal pursuance of this fraudulent debt is a serious violation of the law and my legal rights. It is my intention to pursue a lawsuit against Synchrony Bank for violating the law, my legal rights and the intentional infliction of emotional distress, because of the ongoing abuse, harassment, stress and aggravation that they have and continue to cause me especially since I was diagnosed with XXXX and the last thing I need or want is to be constantly and continually pursued for a debt that I dont owe.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I contacted Cashapp regarding me not being about to see my XXXX forms any year after XXXX. The representative told me to restart my app several times. However I still can not see the tax forms and statements. I asked for a copy from them they ignored me and told me XXXX  would contact me. When XXXX did reach out, they were completely clueless to the problem at hand. As well as just trying to have me restart the app again. He then suggest I look in the same place I told them I dont see my information at. I talked to XXXX of those employees as of now and they are not telling me anything about receiving my tax forms when I made over XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My venmo account was randomly frozen and asked to verify my identity. Witch i did i uploaded my picture id shortly after that I received a email stating my account was being permanently closed and that my funds where going to be held for XXXX. When I asked what I did wrong what guidance did I violate or what I did wrong I was told that they where not going to tell me and that was it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I used PayPal XXXX in XXXX ( buy now, pay later installment loan ) to finance a {$120.00} purchase. The merchandise was never received. 

The seller provided a XXXX tracking number that shows Delivered, but XXXX has confirmed verbally that the tracking number was delivered to a different address and not to mine. The seller also provided XXXX different tracking numbers for a single item, which is consistent with known tracking number phishing fraud. 

The seller can not provide proof of delivery showing my name and address. PayPal denied my dispute solely because tracking showed Delivered, without verifying that delivery occurred to my address. 

I am being required to continue paying installments on a financed purchase for merchandise not received. I am asserting a billing error under consumer credit dispute protections and request reversal of the remaining installments and refund of amounts already paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-21 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: DISCOVER BANK
State: NY

Complaint narrative:
I was looking for a thermostat to replace my aging one. I found one on the XXXX website and decided to order it using my Discover card via XXXX. My charge via XXXX went through as normal, but I never received a confirmation email from the seller. I tried to contact the seller, but there was no way to do that. I realized that this might be a scam, so I requested that the seller give me my money back and sent a refund request via XXXX. I never got refunded, and I never received the thermostat. I contacted Discover, as this is where the charge was made via XXXX. Discover reversed the transaction, and all was good UNTIL the seller contacted Discover and sent them XXXX showing that the package was sent ( despite me asking the seller for my money back on XX/XX/XXXX ) and that tracking says it was delivered to XXXX, which is the town I live in. There is no proof that it was the thermostat or what address it was delivered to ; just " something '' was sent to somewhere in my town. My mailperson knows me, and I have an oversized mailbox. I was off from work and at home on the day of alleged delivery ( Friday, XX/XX/XXXX ) and got the mail that day immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: P&B Capital Group, LLC
State: OK

Complaint narrative:
Company continues to contact 3rd parties even after claiming to have bad contact information for me. They have my correct phone number and email address for contact. I have made payments to them and set up a payment plan but they continue to contact relatives. The most recent was to my brother. Previously it was to my mother in law. They called her 3 times and told her they were taking legal action against me.

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 — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am submitting this complaint regarding Navy Federal Credit Unions handling of a debit card fraud claim and its failure to provide a meaningful explanation or documents relied upon as required under Regulation E. 

In XX/XX/year>, while traveling in XXXX XXXX, XXXX, I lost my wallet containing my Navy Federal debit card. On XX/XX/year>, two unauthorized debit transactions occurred in the amounts of {$790.00} and {$820.00} ( total {$1600.00} ) at the same merchant. Fraud also occurred simultaneously on one of my credit cards, which Navy Federal acknowledged and credited as fraudulent. 

I promptly reported the loss and locked my cards through the mobile app. No ATM withdrawals occurred, no PIN was used, and no further activity occurred after the card was locked. 

Navy Federal issued provisional credit on XX/XX/year>, and later reversed the credit on XX/XX/year>, stating only that no error occurred, without providing a meaningful explanation of the factual basis for its determination. 

I formally requested copies of all documents relied upon in denying my claim pursuant to Regulation E ( 12 CFR 1005.11 ). Navy Federal responded that its information contradicts my claim and stated that documents would be attached if any, but no documents were provided. 

I am requesting that Navy Federal provide a clear written explanation of the factual basis for its determination, copies of the documents relied upon in denying the claim, and a good faith review of the unauthorized transactions totaling {$1600.00}. 

My goal is to ensure the investigation complied with Regulation E and to obtain reimbursement for the unauthorized transactions if the review confirms they were not authorized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This complaint concerns XXXX XXXX handling of a billing dispute involving a {$1500.00} credit card charge from XXXX XXXX XXXX. 

This is not a complaint about the merchant directly. It concerns XXXX XXXX refusal to properly investigate and resolve a billing dispute under Regulation XXXX. 

I was forced, under duress, to purchase additional insurance as a condition of receiving a rental vehicle. I immediately notified Capital One on the first day of rental that the insurance was coerced and not voluntary. I submitted all available documentation, including the rental agreement, receipt, and written statements. 

Capital One closed the dispute in the merchants favor solely on the basis that I used the service, treating usage of the vehicle as proof of consent to the forced add-on. This reasoning ignores coercion and misapplies consumer protection standards. 

In addition, Capital One mishandled the billing process itself. My account reflects multiple provisional credits and multiple rebills of the same transaction. The charge was posted once, credited, rebilled more than once, and only partially corrected. As a result, I remain liable for the full {$1500.00} despite duplicate rebilling activity. 

Capital One acknowledged receiving my documentation but repeatedly stated it was insufficient without specifying what was missing. 

I am requesting review of whether Capital One properly complied with Regulation XXXX  dispute investigation requirements and whether it improperly classified a coerced ancillary charge as a valid voluntary service. 

Requested resolution : Correction of billing errors related to multiple rebills. 

Proper investigation of the coerced charge. 

Reversal of the {$1500.00} amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I had gotten the debt to be settled because the collection agency wouldnt show me any physical proof or validation charges or send me any type of verification. They would constantly call but under false pretenses changing there voice or numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
A collection agency, LVNV, is attempting to collect an alleged debt from a previous company I was associated with. I believe my personal financial information was disclosed or used without proper authorization, in violation of 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ). I did not consent to my information being shared with this third-party debt collector, and I am requesting documentation proving they have lawful authority to collect and that the data transfer complied with federal privacy law. I am requesting the CFPB investigate this matter and require the company to cease collection unless they can provide lawful proof. 

I do not believe the amounts are accurate. So, I dispute this debt and request validation under the Fair Debt Collection Practices Act. 
Please provide : XXXX. Proof I owe this debt XXXX. The original creditor XXXX. The amount and how it was calculated XXXX. Proof you are authorized to collect XXXX. Documentation showing lawful transfer of my personal information Until you provide validation, cease collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: DE

Complaint narrative:
My account was hacked into and {$980.00} ( this is a specific amount that goes to my account every month from XXXX ) was unauthorized to cash app, my debit card ending in XXXX was disconnected from my account after the transfer and a different card was added to my account in order to drawl funds off. They unsuccessfully tried 6 times. Then finally it was approved and went thru and the card was immediately taken off. They denied my claim saying it was done by me or someone I know. I asked to send in bank account statements they said I could and then the next day denied my claim XXXX closed the investigation. As a result of this I was unable to make my car payment and my car was repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
TransUnion, Experian and Equifax may be facing serious legal penalties. You are furnishing inaccurate information on my credit report which is stopping me from getting the credit I need to support my family. Because of your unreliable reporting habits, I am forced to work extra hours day in and day out losing all my spare time ( which I used to spend with my family ). And all the extra stress, lost time, and unwanted pressure in my life is caused by the inaccurate items on my credit report. 

The information in this complaint is inaccurate because it reports different information across each consumer reporting agency ( or CRA ). However, the Fair Credit Reporting Act ( or FCRA ) requires TransUnion, Experian and Equifax to report my credit with maximum accuracy. What is maximum accuracy? Well, under the FCRA, this standard forces CRAs to report my credit 100 % consistent across each agency, only after I inform you of the errors. 

And for this reason, if you do not modify or delete the accounts I am about to list in this complaint, you may have to pay a hefty fine ( over a couple thousand ) for the damages your misleading reporting has caused me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation