vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: ID

Complaint narrative:
I paid for a carport online from a company called lumen I got scammed contacted Cash App my bank then tried to dispute the transaction a service agent personally contacted me telling me he denied it claiming I was receiving my carport which is not true tracking to this very moment still shows my item is processing and has for the last 4 days Im just trying to get my money back and would like XXXX the customer service agent from cashapp to be fired for participating in a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I am filing this complaint regarding an account being reported and/or collected by Radius Global Solutions that does not belong to me and is the result of fraud. I discovered this account while reviewing my credit report during the process of cleaning and correcting my credit file. I have no knowledge of this account, did not authorize it, and have never entered into any agreement related to this debt. I have disputed this account multiple times over the past several months, yet it continues to be reported without proper validation. Despite my disputes, Radius Global Solutions has failed to provide sufficient documentation proving that this account belongs to me. Under the Fair Credit Reporting Act ( FCRA ), any information reported must be accurate, complete, and verifiable. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must provide proper validation of a debt upon request. At this time, the continued reporting of this account is inaccurate, misleading, and damaging to my credit profile. I am requesting the following : A full and thorough investigation of this account Complete validation of the alleged debt, including original signed documentation Immediate removal of this account from my credit report if it can not be verified as mine Immediate cessation of all collection activity This account is fraudulent, and I am seeking resolution to ensure my credit file accurately reflects only accounts that I have authorized. If this matter is not resolved, I am prepared to pursue all available remedies under federal law.

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 2026-04-16 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: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
I am a Cybersecurity and Compliance student disputing a {$150.00} duplicate charge from XXXX Fi on my Current Build Card. While the investigation is 'ongoing, ' Current is in violation of Regulation Z ( 12 CFR 1026.13 ). Under the Truth in Lending Act, consumers have the right to withhold payment for disputed billing errors. Because the XXXX XXXX is a secured credit card, Current uses a 'Reserved Funds ' logic to sequester cash. By refusing to remove the disputed charge from my 'Total Owed ' balance, Current is effectively performing an unauthorized collection of a disputed amount from my personal funds. I have repeatedly cited the relevant federal law to their management team ( Ref : Chat Transcript ), and they have formally refused to comply, stating their 'internal process ' overrides Regulation Z. I am requesting an immediate manual adjustment to my ledger to release my {$150.00} back to my Spending Balance while the merchant dispute is finalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have existing credit line with Capital One Pottery Barn in the amount {$4100.00}. I used it once and paid it off. A few days ago, on XX/XX/XXXX, I tried to use the credit line for a purchase at Pottery Barn store. The amount of the intended purchase exceeded the available credit by $ XXXX contacted Capital One and requested a credit line increase to {$5000.00}. I did not get an instant approval and was told to wait 2-3 business days. Later i received Capital One email asking me to provide paystubs ( one of the options ) for verifying my annual income. I pulled out 2 recent paystubs from XXXX and uploaded them to Capital One portal. I called Capital One on XX/XX/XXXX to follow up and spoke to XXXX - XXXX ID # XXXX - located in XXXX. XXXX told me that the paystubs i provided were not verifiable and therefore were not legitimate ( just a side note : Many companies use XXXX and XXXX provides one format of paystubs. I wonder if everyone who provided XXXX paystubs to Capital One were also denied credit based on the illegitimacy of the paystubs from ADP ). I refused to accept this insinuation and demanded to be transferred to another supervisor located in the XXXX. I was transferred to XXXX XXXX # XXXX ) - located in Nevada XXXX I vocalized my issue to XXXX. At this point, he said that legitimacy of the income proof was not an issue, but rather the low usage of the credit line was the determining point to refuse a credit line increase. I asked him if the low usage of the credit line was the reason for refusal all alone, why did they even request a proof of income ( in writing ) to consider my request and then denied it based on illegitimacy of paystubs. XXXX said they asked to proof of income just to verify my current status. This is not true because their email did not mention Current Status at all. .Capital One actions were misleading. They lead me to believe that the verification of income was the only determining factor in increasing my line of credit. As it turned out it wasn't and the true reason was only disclosed to me after I sent my personal information in the form of paystubs to Capital One and was denied based on illegitimacy of paystubs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
My former apartment complex ( XXXX XXXX ) never sent me a bill for the outstanding balance ; instead, they sent me a direct notice from a collections agency detailing the accrued charges. National Credit Systems currently has a collection ( XXXX $ ) account open against me, yet I have no agreement whatsoever with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
The company Comenity ( IDEAL CREDIT CARD ) said that I entered into a contract for a ring from a local jeweler on XXXX XXXX. My receipt from the store says XXXX. I know I purchased the ring and signed up for an 18 month no interest promotion. The only communication over these last 18 months has been the card being delivered to my address and the receipts every month for the autopay. The problem is that the original purchase price was XXXX. I never received the first bill so I had to call the company number on the back of the card to pay the XX/XX/XXXX bill. The man explained about going to the website and setting up an account. I did that. My minimum payment was XXXX, I paid XXXX every month. They claim they can see my movements on that day and that I selected paperless billing for the XX/XX/XXXX payment. I counted up the months like from XXXX to XXXX being 1 month and so on. The way I figured it the last payment would be due XX/XX/XXXX. I knew it would be a little more than XXXX. We'll on XX/XX/XXXX I logged into the account to get the final total and found that there was a charge of XXXX on the bill. They claim the promotional period ended on XX/XX/XXXX. I received no notification in my mail box about any changes happening to the account. They say that it was on the statements from XX/XX/XXXX and XX/XX/XXXX for the online billing. I have asked them why I received no notification by mail. They claim the didnt have to because it was set up for paperless billing. They can clearly see that I was paying every month more than minimum to pay this off. They refuse to work with me. The interest rate that hit the account for XXXX was 39.99 %. As of the day they ended the promotion the balance was XXXX with only XXXX payments left. XX/XX/XXXX. XXXX for XXXX and XX/XX/XXXX for the balance of XXXX. I paid the XXXX XX/XX/XXXX. It didn't post until XX/XX/XXXX. All I am asking is for them to be fair about this. I am even willing to pay the 39.99 % on the XXXX but they say they can't do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX regarding claim number XXXX, filed on XX/XX/year> for {$2700.00}. This dispute was submitted as a duplicate charge, not a stolen card or unauthorized transaction. The merchant successfully charged my primary card, and then my backup card on file was also charged for the same transaction. This resulted in me being charged twice for a single purchase. However, XXXX XXXX XXXX incorrectly categorized my dispute as a stolen card claim, which is not what I reported. Because of this error, my claim was improperly denied. I have already contacted the bank to correct this mistake, but I am now being told that I must wait an additional 10 days just to receive a letter or email before they will even reopen the claim. After that, I may have to wait another 10 days for any provisional credit. This creates an unnecessary delay of up to 20 additional days due solely to the banks error. This is unacceptable. I should not be penalized or forced to wait extended periods because the bank failed to properly document my claim. The transaction clearly qualifies as a duplicate charge, and I have provided supporting documentation. XXXX XXXX XXXX handling of this matter has caused financial hardship and unnecessary stress. I expect prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Bridgecrest Acceptance Corporation
State: WA

Complaint narrative:
On XX/XX/year>. I asked XXXX XXXX XXXX to transfer my money {$4500.00} to XXXX XXXX XXXX. because I did online and I didnt confirm the transfer and the transfer went to Bridgecrest which I dont have any account with them. On the XX/XX/year> XXXX XXXX confirmed the was successfully transmitted with the name Brigdecrest. I have no clue how to contact them. XXXX XXXX gave me the transmitter : XXXX.. Merchant Id : XXXX Psst ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
On XX/XX/XXXX, I paid {$3500.00} of my {$4000.00} credit limit in an attempt to improve my credit score/lower my balance due, out of my checking account. The amount was immediately removed from my checking account and reflected as a payment within 24 hours on the XXXX XXXX XXXX XXXX, operated by Synchrony Bank. I have monitored my balance on the XXXX website since then, and used the card, assuming it was a glitch that would be resolved within 72 hours. This was not the case. The card showed - {$210.00}, but again, I assumed it was a glitch because when calling the customer service line, it said I have a {$4000.00} credit limit available. Again, not the case. I made a {$280.00} purchase that was returned, and then I called the CS line. I was told that there is nothing I or they can do, that " the system locks out any payment over {$2500.00} becaue so many people cancel the payment, and my funds would be available on XX/XX/XXXX, and not before then ''. There was absolutely no warning when I posted the large payment that if I made a large payment, my credit would not be available for sixteen days. I asked to escalate my issue and was transferred to the manager, then told there was no other avenue for complaint. EXTREMELY unhappy with this practice while the credit card company continues to profit off of my payment, yet provides no option to appease my complaint nor financial issues as a result of this issue.

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 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am requesting that my complaint be reopened or reviewed again in connection with my previous case, Case # XXXX. The response provided by Chime does not accurately address my complaint. Their determination was based on the transactions being authorized, but that is not what I disputed. I did authorize the payments ; however, I did so under false pretenses as part of a scam. I was misled into sending money for what I believed was a legitimate job opportunity. Once I realized the situation was fraudulent, I immediately asked the individual to return my funds and informed them I was no longer interested. They then ended communication. As soon as I became aware of the scam, I took immediate action to protect myself by locking my account and reporting the incident. My complaint is about being a victim of fraud and deception, not unauthorized access. I am requesting that this be properly reviewed as a scam/fraud case rather than denied solely on the basis that the transactions were authorized. I also want to clarify that I previously responded to the closed claim to explain this, but it appears my explanation was not properly considered. I ask that Chime and the CFPB reconsider this matter with the correct understanding of the situation and provide a resolution consistent with consumer protection standards for fraud cases. Thank you for your time and reconsideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have an account with Wells Fargo. I I had to pay off checks on my hand XXXX to XXXX the one to Wells Fargo. The check for XXXX was sent to Wells Fargo and they cashed it. I dont know how that got through. It was even for a balance much greater than what I owed them now Im getting the runaround to try and get my money back. Its been almost XXXX weeks and I keep getting the runaround dealing with the XXXX department. They wont escalate anything higher for me to talk to anybody. Its funny I talk to a different person this morning. She says I dont understand why they didnt just give your money back the first day. I have a copy of the check showing that its been cashed by them and it was made out to XXXX. I dont know what I can do from here. I need to get that money back. Its funny my account has a XXXX balance now anybody the right man wouldve seen that check and be like why is he paying so much? I just dont know what to do from here.

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 2026-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I had an outstanding balance on my gym membership ( XXXX XXXX XXXX ) that was sent to collections ( Aldous & Associates ). I was not informed that it had been sent to collections. I paid the debt directly to the gym without knowing that it had been sent to collections. The gym would not let me pay the bill online, so I was only able to make the payment when I had the chance to travel the XXXX hours to the gym to do it in person. The gym stopped responding to my emails, trying to resolve the issue without having to make the journey. I paid the amount in person in XXXX, XXXX I have the receipt on my XXXX XXXX statement. The collections agency claims they sent me a letter in XXXX, XXXX ; however, my address changed. I was no longer living at that address. The {$250.00} shows clearly on my XXXX XXXX statement. The collections agency said they would only review the XXXX statement if I mailed it to them, which I did. The collections agency claims they can only review the statement from XXXX XXXX, but will not actively try to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Solar Mosaic LLC
State: HI

Complaint narrative:
I am filing this complaint against Solar Servicing LLC for refusing to acknowledge their liability under the FTC Holder Rule ( 16 C.F.R. 433 ). I have been financing a solar system through them since 2023. The system, installed by XXXX XXXX, has been non-functional for over XXXX weeks. On XX/XX/XXXX, I paid the installer an additional {$300.00} for a service visit which they have since failed to schedule or perform. When I contacted the lender, Solar Servicing LLC, their representative told me I was 'on my own ' and threatened to file a credit dispute if I did not continue paying for a broken product. Under the Holder Rule, the lender is subject to the same claims and defenses I have against the seller. The seller is in breach of contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I closed my checking and saving accounts with Chase on XX/XX/year> via phone number XXXX. I spoke to a representative for XXXX minutes and closed my accounts. I had a negative balance and attempted to pay over the phone at that moment but it was not possible. I went to the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX location on XX/XX/year>. I took the payment in cash, handed it to the XXXX XXXX and waited about XXXX minutes. Then the XXXX called a XXXX. At the end they stated the account was closed, there was no need to pay the negative balance, and handed me my money. I asked if I would receive a bill or something, and they said no, it would just close out. XXXX days later on XX/XX/year> a friend sent {$50.00} to me via XXXX to my phone number. I never received it on my new bank account, and called Chase to number XXXX on XX/XX/year> to ask if they saw this transaction. We were on the phone for XXXX minutes, and the representative stated that they would only be able to send back about {$30.00} dollars because of my negative balance. I stated that the XXXX XXXX and XXXX said my account would be settled, therefore the full {$50.00} should be returned to my friend. After reaching no compromise, the representative stated they would send a check to my home address of the about {$30.00}. The representative stated I should wait XXXX days. I waited XXXX days and did not receive a check. Then I waited until XX/XX/year> ( XXXX days later ) to call again phone number XXXX. I was connected to XXXX XXXX and explained the situation. She transferred my call to XXXX in the XXXX XXXX XXXX. I expressed my situation to XXXX and he reviewed the previous conversations I had with Chase. He said there was no record of my request for a check to be mailed to me with the remaining {$30.00} balance. I expressed my frustration, and inquired on how I could give the {$50.00} back to my friend. He stated to revisit the branch in person and attempt to request the money from them. I stated that I need an email of a XXXX, or some where I can send messages to, in order to have a paper trail of our conversations. XXXX stated there are no emails I can communicate to, there is no other option but to visit the branch, and that he is not able to return the money to the owner. There has been no further communication.

Company response to consumer: Closed with explanation