vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 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: OK

Complaint narrative:
On XX/XX/XXXX I used Chimes mail a check option. Chime deducted the funds from my checking account and mailed a check to the recipient. On XX/XX/XXXX she attempted to deposit the XXXXXXXX XXXX check and on XX/XX/XXXX it was returned. 

I called Chime on XX/XX/XXXX and was told to wait a week. On XX/XX/XXXX I called again and was told the case would be escalated and to wait for an email from Chime support. Later in the day I received an email from XXXX ( Chime Member Services Specialist ) saying images of the cashed check would be sent at a future time. 

On XX/XX/XXXX I emailed Chime support images of the returned check from XXXXXXXX XXXX. 

On XX/XX/XXXX Chime support emailed a copy of the returned check I previously sent them. I replied what they sent me doesn't show the check was cashed, confirmed with the depositing bank ( XXXXXXXX XXXX  ). 

On XX/XX/XXXX I emailed them again saying the image they sent me doesn't show a cashed check and sent a copy of the Notice of Returned Deposited Items. 

On XX/XX/XXXX, on the suggestion of her bank, the check was deposited a second time and returned again on XX/XX/XXXX. 

On XX/XX/XXXX I sent an email stating the check was returned again and asked if there were any updates. On XX/XX/XXXX I called for an update and was told the case was escalated and to wait for email. 

Since XX/XX/XXXX Chime support has only sent automated email replies, phone support doesn't have any information and will only say the check was cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
THERE WAS DEPOSITED MADE FROM ANOTHER NAVY FEDERAL ACCOUNT INTO MINES THAT WAS DISPUTED BY THE SENDER. 

THE PAYMENT WAS FOR MERCHANDISE THAT I WAS SELLING THAT WAS PREVIOUS MINES AND I WAS SELLING IT WAS A CONSIGNMENT MERCHANDISE. XXXX PAYMENT WAS DISPUTED AFTER MULTIPLE TRANSACTIONS MONTHS LATER. THEY NEVER CONFIRMED WITH ME WHAT PAYMENT OR MAYMENTS WERE DISPUTED. 

I HAVE TEXTS MESSAGES FROM THE PERSON THAT THE TRANACTIONS WERE LEGITAMENT AND THAT THEY WASN'T IN ERROR. 

THE SENDER AND I HAVE A TEXT THREAD OF CONVERSATIONS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: FL

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
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
XXXX is reporting a collection account in the amount of {$13000.00} on my consumer credit report without ever providing lawful notice or proper validation of the alleged debt. I never received any written notice of this debt prior to it being placed on my credit report, which is a direct violation of FDCPA XXXX ( a ). This initial failure alone constitutes a statutory violation subject to up to {$1000.00} in statutory damages per action. 
Despite my written request for validation well over 60 days ago, XXXX has failed to provide any documentation whatsoever to substantiate the accuracy, ownership, or legal enforceability of this alleged debt. Nevertheless, XXXX continues to report and maintain this collection tradeline, which constitutes ongoing collection activity in direct violation of FDCPA 1692g ( b ). Once validation is requested, all collection activityincluding credit reportingmust cease until proper validation is provided. 
XXXX is further furnishing information it can not substantiate, in violation of FCRA 623 ( a ) ( 1 ) ( A ), and has failed to conduct a reasonable investigation after receiving notice of my dispute, in violation of FCRA 623 ( b ). Reporting a high-balance housing-related collection without proof does not meet the maximum possible accuracy standard required under FCRA 607 ( b ). 
For the avoidance of doubtsince collectors routinely pretend confusionlawful validation of a collection account requires, at minimum : Proof of legal ownership and a complete chain of assignment from XXXX XXXX The original lease, contract, or agreement allegedly creating the debt A full itemized accounting supporting the {$13000.00} balance The Date of First Delinquency ( DOFD ) Documentation establishing XXXX authority to collect Accurate XXXX reporting, including proper dispute indicators XXXX has provided none of the 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 explanation
Consumer complaint received 2026-01-26 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year> somebody changed my Wells Fargo on line password at XXXX XXXX. At XXXX that person transferred $ XXXX from my Wells Fargo XXXX XXXX and transferred to my checking.At XXXX XXXX, they transferred $ XXXX from my Wells Fargo XXXX XXXX to my checking. 
This was not done by myself, and Wells Fargo should be able to tell by the ip.address and location of the phone.They have shown gross negligence in not stopping these unlawful transactions, They are totally out of character for my account. 
Wells Fargo appears to be facilitating fraud by having ineffective geo tracking on their credit card transactions. 
Whilst this was going on, I received a very legitimate push text from Wells Fargo to confirm or decline a credit card purchase at a local store for around $ XXXX declined it, and immediately the phone rang.The person used the name of a Wells Fargo employee ( which I verified on XXXX at the time ), and told me that a fraudulent transaction had posted to my acct for $ XXXX was looking at my acct and verified several transactions that I had done the past XXXX weeks, hence I really thought it was XXXX XXXX.He instructed me to go to my local branch and move the money from my acct to a Wells Fargo " holding acct XXXX so the money would not be lost.He gave me the account # at Wells Fargo and I transferred the money out. 

I am now in emotional and financial stress.These XXXX credit cards have been charged for over {$16.00} XXXX including astronomical cash advance interest charges. 
Wells Fargo has denied my dispute twice. 
If they had not been negligent at the start, this scam would never have occurred. They also should process a charge back to the account that it went into, and credit both of my credit cards. 
They have done nothing.I have banked with them over 35 years, am XXXX XXXX XXXX, and did nothing to deserve this. 



XXXX

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 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Dear Consumer Complaint Review Officer, I am submitting this complaint regarding an unresolved ATM cash deposit dispute with Capital One. 
On XX/XX/year>, I deposited {$1300.00} in cash at a Capital One ATM. However, the transaction was recorded as only a {$900.00} deposit, leaving {$400.00} missing. I immediately notified the bank and filed a claim regarding the discrepancy. 
Capital One later denied my claim but did not provide a sufficient or detailed explanation of how the investigation was conducted, nor did they supply documentation showing how the ATM was balanced or reconciled for that date. As a customer, I have no way to independently verify what occurred, and I believe the matter was not reviewed thoroughly. 
ATM transactions are tracked through internal audit processes, including electronic journals, cash cassette counts, and balancing procedures. A discrepancy of this amount should be identifiable during reconciliation. Despite this, the bank has declined to credit the missing funds or provide transparency regarding their findings. 
I am requesting regulatory assistance to ensure this matter is properly reinvestigated and that Capital One provides : A detailed explanation of their investigation process Confirmation of the ATM cash balancing results for that date and location Documentation of any overage or shortage identified during reconciliation A fair resolution regarding the missing {$400.00} This amount represents my personal funds, and I believe I have made a good-faith effort to resolve this directly with the bank. 
Thank you for your time and assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: SC

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
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I am disputing a collection account associated with account # XXXX that is reporting inaccurately to XXXX, XXXX, and XXXX. I am not aware of this debt and did not receive any prior written notice or validation from the collection agency before it was reported. 

I was not provided an opportunity to dispute the debt as required by law. If the collection agency believes proper notice was sent, please provide documentation showing proof of delivery, including certified mail with a signed receipt. 

In the absence of such documentation, I am requesting immediate deletion of this account from all credit reporting agencies as it is unverified and inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
This complaint concerns a fraudulent collection account with a balance of {$980.00} reported by Radius Global Solutions on behalf of XXXX XXXX. 

An FTC Identity Theft Report is attached, triggering mandatory blocking and removal under FCRA 1681c-2 ( a ). 

I was affected by the TransUnion data breach, during which my personal identifying information was compromised and used to create this fraudulent obligation. 

As a third-party debt collector, Radius Global Solutions must prove chain of title, original contractual obligation, and identity verification. XXXX XXXX data is insufficient. 

This {$980.00} collection account must be deleted immediately. 

Sincerely, XXXX XXXX

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 2026-01-26 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year> our PayPal for business account received several partial payments from a repeat customer, for an ongoing XXXX XXXX XXXX  project. The customer paid with credit card to cover an outstanding invoice that we sent them via PayPal. We had done previously received payments from this customer via paypal with no issue. Paypal suspended our ability to transact business, including withdrawing money from our account and sending payments to vendors. They requested documentation from us to substantiate the payment and explain the transaction and the nature of our business. We provided all the necessary documentation on the same day we received the request. And Paypal emailed us to say it would be reviewed within 3-5 business days for the review to be complete. This was followed up upon repeatedly via emails to paypal and telephone calls, and we were told nothing outside of once the review was completed our account would be restored. On the XXXX of XXXX a subsequent request from PayPal was sent to our email. And we complied immediately. We provided all the information and again were told we would hear back in XXXX business days. Only to receive a third request for documentation on the evening of the XXXX at XXXX. We provided the documentation and since then have received no reply. We have written several emails and called requesting numerous escalations to no avail. The telephone representatives that we speak with only tell you that the reviews are performed by a back of house team that has received all the needed documents and will be performing a review. The timeline on when our funds will be released continues to be extended and PayPal has shown no intention on releasing our money back to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-01-26 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: EQUIFAX, INC.
State: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: AR

Complaint narrative:
I have federal student loans that I have been repaying for over 20 years and have been enrolled in income-driven repayment plans, including IBR, since it became available. 

On XX/XX/XXXX, I received a notice indicating my loans were under review for potential forgiveness or relief. Despite this, my loan balance has continued to increase, and I have not received a determination, timeline, or explanation of the review outcome. 

My loans were previously consolidated with my spouse in XXXX, and I was only able to separate them last year. I am concerned that my qualifying repayment history is not being properly credited due to servicing or tracking errors. 

I have contacted my loan servicer but have not received clear or consistent information addressing the XX/XX/XXXX notice or explaining why forgiveness has not been applied after more than XXXX decades of repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Hello, On XX/XX/XXXX at XXXX, I went to the Bank of America ATM located at XXXX XXXX XXXX XXXX NJ XXXX XXXX to deposit {$5000.00} as I was leaving the country and needed funds. Unfortunately, the ATM rejected some of the bills and only returned {$4000.00}. I walked into the bank and spoke to the bank staff. I directed to to collect vital information such as the ATM machine number off the ATM machine and call the claims department. I initiated a claim within the hour that this occurred. After XXXX weeks, the bank credited my account for {$1000.00}. I thought all was good as they might have carried out all their investigations. On XX/XX/XXXX, I had deposited {$980.00} but the bank held the funds and are saying that my claim was deemed as false.

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 2026-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: MA

Complaint narrative:
I am submitting this complaint regarding a fraudulent transaction made through XXXX that was financed using Affirm. 

On XX/XX/year>, I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX through XXXX for a total of {$1000.00} using Affirm. The product was sold by a third-party seller, XXXX. Instead of receiving the advertised XXXX drone, I received a cheap, non-functional toy drone, which constitutes fraud and product misrepresentation. 

After discovering the issue, I contacted XXXX numerous times by phone. XXXX representatives verbally acknowledged that this seller was engaging in fraudulent behavior and assured me that a full refund would be issued directly to Affirm. Relying on these assurances, I believed the matter was being resolved appropriately. 

However, XXXX only issued a partial refund of {$62.00}, which appears to be the tax amount, while leaving the remaining fraudulent balance unpaid. Despite XXXX assurances, the principal amount was never refunded to Affirm. 

As a result, Affirm treated the remaining balance as delinquent and sent the account to a debt collector. This has caused significant financial stress and has placed my credit at risk for a debt that resulted entirely from fraud. 

I also have extensive evidence showing that this was not an isolated incident. Screenshots of XXXX product reviews demonstrate dozens of verified customers reporting the exact same scam by the same seller receiving cheap toy drones instead of XXXX products, being denied proper refunds, or being subjected to improper fees. These reviews were publicly visible at the time of my dispute, indicating that XXXX had notice of this sellers fraudulent activity but allowed them to continue operating on its platform. 

I have formally disputed the debt with the collection agency and notified Affirm that this charge is fraud-related.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I received a credit alert of a Target XXXX applied for & approved on XX/XX/XXXX which I never did. I immediately called my Equifax the same day to put a fraud alert on my account & froze it. Then I called Target to report the fraud dispute. I received the Target bill a week later of the fraud charges. Then they sent me a questionnaire to fill out about the information I was disputing including a XXXX XXXX XXXX police report number. I didn't send them the police report because it's still in investigation & hasn't completed yet. 
I just received my Equifax credit report stating they are denying the dispute & are claiming the item belongs to me. I want verification stating how they can say its me when I never applied for a Target XXXX. 

They charges that were done & dates XX/XX/XXXX Target XXXX XXXX, CA {$5.00} XX/XX/XXXX Target XXXX, CA {$140.00} XX/XX/XXXX Target XXXX, CA {$22.00} XX/XX/XXXX Target XXXX, CA {$140.00} XX/XX/XXXX Target XXXX XXXX, CA. {$250.00} XX/XX/XXXX Target XXXX XXXX, CA {$410.00} XXXX of XXXX They are denying this & can't provide proof that this was me that applied for this! 
I never applied for this & my initial call to dispute this with Target & the information to verify me was not accurate that he had until I had to provide my information then it was correct. Which didn't make any sense to me. The guy also was treating me like the criminal & laughing while I was disputing this. His name was XXXX in Targets fraud department on XX/XX/XXXX. 

The stores have cameras so I don't understand why they can't pull up who this person is claiming me & applying so easy for their credit card. 
If you need any further information, please don't hesitate to contact me. Thank you

Company response to consumer: Closed with explanation