vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MD

Complaint narrative:
On XX/XX/XXXX, XXXX paid XXXX {$1500.00} via Chime for a XXXX XXXX XXXX. XXXX included down payment, insurance fee, and delivery fee. Plaintiff received a signed bill of sale with vehicle details and VIN provided by Defendant. Defendant has not delivered the vehicle, nor provided any explanation. Defendant advertised the vehicle on XXXX, under the username XXXX dealership under XXXX. Defendants Chime account shows real name : XXXX XXXX. XXXX Evidence XXXX. Signed bill of sale with VIN and purchase details. XXXX. Chime payment receipt showing {$1500.00} paid to XXXX XXXX/ $ username tag. XXXX. Screenshots of all messages and XXXX correspondence with Defendant. XXXX. Video of the vehicle provided by Defendant ( shows car condition, VIN not visible ). XXXX. XXXX listing screenshots for the vehicle and username. XXXX Legal Basis Defendants failure to deliver the vehicle after receiving payment constitutes a breach of contract. Payment via Chime establishes proof of funds transferred to Defendant. Plaintiff has made a formal demand for delivery or refund, which Defendant ignored on XX/XX/XXXX. XXXX Relief Sought Refund of {$1500.00} paid to Defendant. Court filing fees and any additional costs incurred related to this claim. Any other relief the court deems just and proper.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 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: Kriya Capital, LLC
State: GA

Complaint narrative:
I dispute this account in full. I sent Credence a formal written demand for validation requesting competent documentary proof of the alleged debt and Credences authority to collect and report it. Specifically, I requested : the full chain of assignment for the alleged debt, the bill of sale showing transfer or ownership of the debt, the original contract or signed agreement, the complete payment history, a XXXX accounting ledger, proof of a valid debt collector license or authorization to collect in Georgia, proof that a validation notice was mailed, the method of verification used to verify the account, and documentation showing authorization or permissible purpose to use and report my personal information. Credence_Debt_Validation_Demand Despite that dispute, Credence has continued to maintain this collection account on my credit file. I also sent Credence a notice stating that it had reported and attempted to collect the alleged AT & T debt without providing proper validation, and I demanded deletion of the account and written confirmation that collection activity had ceased. Credence_FDCPA_Intent_to_Sue My complaint is that Credence is reporting and attempting to collect an alleged debt without first providing the documentary proof necessary to establish that : I owe the debt, the amount claimed is accurate, Credence legally owns or has been assigned the debt, Credence had authority to collect in Georgia, a proper validation notice was mailed, its verification process was reasonable and documented, and it had lawful authorization to use and furnish my personal information in connection with this account. Credence_Debt_Validation_Demand If Credence can not produce the requested documentation, then this account is not properly verified and should not continue to be reported or collected. The continued reporting of a disputed collection account for {$5700.00} is causing harm to my credit profile and financial standing. My credit report shows this collection as part of my collections section, with a total collection balance of {$5700.00}. credit-report credit-report I am requesting that the CFPB require Credence Resource Management , LLC to XXXX conduct a reasonable investigation of my dispute, provide all documentary proof requested above, cease collection activity unless and until the debt is fully validated, delete the Credence/XXXX XXXX XXXX collection tradeline from all consumer reporting agencies if it can not be fully verified, and provide me written confirmation of the investigation results and any deletion or correction made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My account was close without defense and they didnt give th opportunity to take my rewards miles back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding the failure of the U.S. Department of Education ( ED ) and MOHELA to process my Public Service Loan Forgiveness ( PSLF ) discharge. As of XX/XX/XXXX, I have met the following requirements : XXXX Qualifying Payments : I have completed the XXXX requirement for XXXX. Certified Employment : I have continuously worked for the qualifying employers throughout this period, with all Employment Certification Forms ( ECF ) on file and processed. Buyback Request : I submitted a PSLF Buyback reconsideration request to account for months lost due to administrative forbearances ( specifically the XXXX plan forbearance ). Despite meeting all criteria, MOHELA advised me to switch to a different payment plan under the claim that the XXXX forbearance would not allow my payment count to update. This conflicting guidance has caused a delay in my discharge. While I am aware of the XX/XX/XXXX settlement to sunset the XXXX plan, my XXXX payment was reached prior to these changes. Resolution Requested : I request that the Department of Education immediately process my pending Buyback request, update my qualifying payment count to XXXX, and grant full discharge of my remaining loan balance effective as of XX/XX/XXXX. I also request a refund for any overpayments made beyond the XXXX month.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD

Complaint narrative:
I sent an international transfer to XXXX ( Reference # XXXX ). The MoneyGram system allowed me to select 'Bills ' as the reason, but local agents in XXXX refuse to pay out unless the reason is changed to 'Food/Family Support. ' MoneyGram agents stated they can not change the reason code and refused to refund the transfer fee. I am requesting a full refund of the transfer fee because the service was not rendered as promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I purchased a Vanilla e-gift card with a value of {$50.00}. Since receiving it, the card has been declined at every merchant I have attempted to use it at, including XXXX, XXXX, and XXXX. It was also rejected when I attempted to add it to XXXX XXXX. I have contacted Vanilla customer support twice. Both times I was met with unhelpful, scripted responses. I was told the card " can't be used on XXXX '', despite the card declining at entirely unrelated merchants that have nothing to do with XXXX. When I asked a representative where I could use the card, ( ON THE SECOND CALL BECAUSE VANILLA IS DEVASTATINGLY USELESS ) they refused to answer my question and instead only provided a list of restrictions. No representative made any genuine attempt to investigate why my specific card is malfunctioning. This is XXXX customer service, plain and simple. Notably, Vanilla 's own website explicitly advertises that their e-gift cards can be added to XXXX XXXX. When I attempted to do so, XXXX XXXX rejected the card at the provisioning stage and instructed me to contact my card issuer meaning Vanilla 's own system is actively blocking a feature they publicly advertise. Beyond that, Vanilla 's website contains not an ounce of useful information for my situation, and a significant number of XXXX users appear to share the same experience with Vanilla 's products and receive equally useless support. The card shows as " active '' with the full balance intact, yet it can not be used anywhere. This is entirely Vanilla 's failure at the card issuer level, not a merchant compatibility issue. I am requesting that Vanilla fully resolve this card so it functions as advertised. I was told by a representative that my only option is to file for a refund which would take XXXX days to process. I did not purchase this card because I wanted my money back in XXXX days. I purchased it to use. Delivering a non-functional product and offering a month-long refund as the only resolution is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. I want the CFPB to

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I am filing this complaint against Navy Federal Credit Union for failing to conduct a reasonable reinvestigation of disputed information as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). My Navy Federal credit card account ( Account # XXXXXXXX * * * * ) currently displays the remark " Dispute resolved ; reported by grantor '' on my consumer credit file. This remark reveals that Navy Federal 's prior reinvestigation consisted only of self-verification confirming that its own records matched what it had previously reported rather than an independent investigation using original account documentation. This does not satisfy the FCRA 1681s-2 ( b ) reasonable reinvestigation standard. The presence of this dispute remark on my credit file is itself damaging to my creditworthiness. It signals to prospective creditors and credit scoring models that an unresolved dispute exists, which can negatively impact credit decisions and score calculations. The remark should either be removed upon completion of a genuine reinvestigation finding the information accurate, or the disputed information should be corrected or deleted. I submitted a formal written dispute to Navy Federal and to the consumer reporting agencies requesting a genuine reinvestigation and removal of this misleading remark. Navy Federal has not complied. I request that the CFPB require Navy Federal to : ( 1 ) conduct a genuine reinvestigation using original account documentation ( not mere self-verification ) ; ( 2 ) remove the " Dispute resolved ; reported by grantor '' remark from all three consumer reporting agency files ; ( 3 ) verify all account details including credit limit ( {$4500.00} ), current balance ( {$0.00} ), and payment history for accuracy ; and ( 4 ) provide written confirmation of actions taken.

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 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime closed my account after I filed a dispute. A day after the dispute a provisional credit was provided to the account they closed now I have no access to my funds and they wont give me a reason or show me a transaction where it violates the terms of service or the user agreement. When I contact them they tell me they can not disclose my information with me and proceed to keep gaming up on me Ive talked with the fraud department ( who are the ones who closed my account ) and they told me they can not disclose anything with me. Now I have some funds on the account which I have no access to. And Im still getting notifications and emails regarding this so called closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc.
State: TX

Complaint narrative:
In XX/XX/year>, I placed XXXX orders totaling {$240.00} that I later canceled. The funds were deducted from my prepaid card but never returned, and the transactions disappeared from the account history, leaving my Available Balance short. I contacted the company multiple times : Chat support : They said nothing showing in the system. Phone support : A supervisor hung up on me when I asked for a resolution. Email to XXXX : I requested a manual release or backdated dispute/memo-post release and included proof of XXXX order cancellations. XXXX confirmed the orders were canceled and the funds should not have been charged. This is a ghost hold in the companys system, not an XXXX issue. Despite my repeated attempts, the funds have not been restored. I am requesting that the company manually release the {$240.00} immediately and provide confirmation of the release.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am submitting this complaint regarding the reporting of a late payment on my secured credit card account with Navy Federal Credit Union. The late payment occurred during a temporary financial hardship that caused my payment to be delayed. As soon as I was able, I brought the account current and have continued to maintain the account in good standing. I contacted Navy Federal Credit Union directly and requested a goodwill adjustment to remove the late payment from my credit report due to the hardship and my otherwise responsible payment history. Navy Federal declined my request and stated they do not remove legitimate credit reporting information. This late payment is now negatively affecting my credit profile and ability to access financial services. I am respectfully requesting that Navy Federal review this matter again and consider removing the late payment as a one-time goodwill adjustment. If the information can not be removed, I request that Navy Federal provide verification of how the late payment was investigated and confirmed as accurate under the Fair Credit Reporting Act and Metro 2 reporting standards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am trying to apply for lines of credit and unable to do so because this company refuses to delete this collections account off of my credit, I do not owe such alleged debt and was never in business with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 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: Southwest Credit Systems, L.P.
State: TN

Complaint narrative:
I have no knowledge of this account. This is not my account. account had to be my XXXX account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am filing a formal complaint against Goldman Sachs Bank USA regarding inaccurate credit reporting on my account. Goldman Sachs reported a late payment on my account. This reporting is incorrect and has caused harm to my credit profile. I have reviewed my records and the payment was made before the due date, yet the account was still reported as delinquent. I previously contacted Goldman Sachs and attempted to resolve this matter through their internal dispute and Fair Resolution process. Despite providing information and requesting a correction, the inaccurate late payment remains on my credit report. Under the Fair Credit Reporting Act ( FCRA ), furnishers of credit information are required to report information accurately and conduct a reasonable investigation when a dispute is submitted. Reporting incorrect payment status and failing to correct verified errors violates these obligations. This inaccurate reporting has negatively impacted my creditworthiness and financial standing. I am requesting that Goldman Sachs immediately conduct a proper investigation and remove the incorrect late payment reporting from all credit bureaus. I also request written confirmation that the correction has been completed and that my credit file has been updated accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Please 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 I 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 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
Date : XXXX XXXX,2026 To : Fair Collections & Out Address : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Re : Account Number : XXXX To Whom It May Concern, I am writing in response to your communication regarding the above referenced account. This letter is not a refusal to pay, but a notice sent pursuant to my rights under the Fair Debt Collection Practices Act requesting validation of the alleged debt. Please provide the following information : 1. The name and address of the original creditor. 2. The amount of the alleged debt. 3. Documentation showing that I agreed to assume this debt. 4. Proof that your company is legally authorized to collect this debt. 5. A copy of the original signed agreement or contract. 6. A complete payment history, including how the amount you claim is owed was calculated. Until you provide proper validation of this debt, you must cease all collection activity and reporting of this account to any credit reporting agencies. If you are unable to provide the requested documentation, I request that this account be removed from my credit file and that you notify any credit reporting agencies to which you have reported this account. I prefer that all communication regarding this matter be in writing. Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX, XXXX PA, 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 2026-03-08 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: SOFI TECHNOLOGIES, INC.
State: MN

Complaint narrative:
I have been charged multiple times on XX/XX/XXXX for XXXX $ not authorized. That same hour I called sofi and asked for dispute so they froze card sent another one. I got a text message saying if I did the transaction and I selected no but it said error to call sofi so I did and they told me that it was okay. So I waited forfor dispute process and they denied it so I appealed and they asked for more proof so I sent them the text saying if I made the transaction and selected No but that it didn't go through because of an Error on Sofis end because the could not receive messages at the time. My appeal was denied. This vendor charged my bank on XXXX other separate occasions and on the XXXX time I asked for Stop Payment on vendor but now I still got charged and saying I did it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
They keep trying to collect on debts that have already been PAID by Insurance

Company response to consumer: Closed with explanation