vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I have been a Chime member for some time, and this is the first time I have ever experienced an issue like this. At this point, I am extremely dissatisfied with my experience. I chose to bank with Chime because I trusted that my money would be secure. 
On XX/XX/XXXX, my account was compromised and unauthorized funds were withdrawn. I received a text message from the number XXXX, which claimed to be from Chime and requested confirmation to speak with a Chime representative. Believing this to be legitimate, I responded and spoke with an individual who I thought was a Chime employee. 
The text message indicated that a transaction was made in XX/XX/XXXX, while the phone number used has a XX/XX/XXXX area code, as shown in the call log screenshot I provided. I also submitted proof that this phone number is not saved in my contacts and that I have no affiliation or prior connection to it. 
During this incident, the individual fraudulently accessed my account, used the Pay Advance feature to place a {$45.00} MyPay charge, and transferred {$550.00} to a Mastercard labeled as " rent. '' I have provided screenshots clearly showing that I only ever send rent payments to XXXX person, my uncle listed in my contacts under the name XXXX. This transfer was not authorized by me. 
Additionally, the perpetrator was able to change the primary phone number on my account, which locked me out of the Chime app and allowed them to complete these unauthorized transactions. My original phone number ends in XXXX, and it was changed without my consent to a number ending in XXXX. I use an XXXX XXXX XXXX, and I reside in XXXX XXXX, California, which further confirms that these transactions were not made by me. 
I had just been paid from my job, and losing these funds-especially during the XXXX holiday-has caused significant financial hardship. I am not financially stable, and this loss has had a serious impact on me. I am extremely frustrated that my dispute was denied despite the substantial evidence I have provided, including screenshots, email alerts, and transaction details clearly showing attempted and completed fraudulent activity. 
I strongly believe I have supplied more than enough information to demonstrate that my account was compromised and that this was a scam phone call resulting in unauthorized access. I reported this issue promptly and expect Chime to take responsibility and resolve it accordingly. At this time, I do not feel valued as a customer if fraudulent activity of this nature is allowed to occur without proper resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: FL

Complaint narrative:
ETRADE placed a restriction on my account without clear justification, adequate notice, or a reasonable timeline for resolution. I fully cooperated with all verification requests and submitted all documents requested by ETRADE promptly. Despite this, my account remains restricted and I have been denied access to my own funds. 

This restriction directly prevented me from paying rent, which resulted in severe financial hardship and placed me at risk of eviction. I informed E XXXX TRADE that the restriction was causing urgent housing harm, yet the restriction continued with no meaningful updates, escalation, or temporary access to funds. 

ETRADE has failed to provide clear communication, failed to resolve the restriction within a reasonable timeframe, and failed to mitigate foreseeable harm after being notified of the consequences. I believe ETRADEs actions constitute unreasonable delay, lack of good faith, and failure to follow fair banking practices and its own account agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate and improperly reported bankruptcy information appearing on the credit file of XXXX XXXX. This letter serves as a notice of dispute, a demand for strict compliance with federal law, and a request for immediate corrective action. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( a ) ( XXXX ), a consumer reporting agency may only furnish or report information when there is a lawful and verifiable permissible purpose. You are hereby placed on notice that the bankruptcy information you are reporting lacks demonstrated permissible purpose and has not been properly verified as required by law. 
Further, under 15 U.S.C. 1681q, any person who knowingly and willfully obtains or furnishes consumer information under false pretenses is subject to federal liability. Continued reporting of unverified or inaccurately attributed bankruptcy data may constitute reporting under false pretenses if proper authorization and verification can not be produced. 
Additionally, pursuant to 18 U.S.C. 1028A, strict identity verification is required where information may be the result of misidentification or identity-related error. I dispute that this bankruptcy has been accurately matched to me, and I demand proof that the information reported has been verified through reliable and lawful means. 
Under 15 U.S.C. 1681c-2, I am exercising my right to block the reporting of inaccurate information resulting from identity error or misattribution. You are required to block and remove this bankruptcy entry unless and until you obtain direct, documentary verification from the courthouse of record, confirming : My full legal name, My Social Security number ( full or last XXXX digits ), My date of birth, and A certified match confirming I am the subject of the alleged bankruptcy. 
Verification through a third-party vendor, automated system, or database is not sufficient under the FCRA. Only direct verification from the court of record satisfies your statutory duty to ensure maximum possible accuracy. 
If you are unable to provide such verification, you are required by law to immediately delete the bankruptcy entry from my credit file and provide written confirmation of its removal. 
Please be advised that failure to comply with this request within the timeframes mandated by the FCRA will be documented and may result in further action to protect my rights under federal law. 
I expect your prompt attention to this matter and written confirmation of the results of your investigation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
I received a debt collection notice for an alleged debt I do not recognize. The collector claims the debt is owed to XXXX XXXX XXXX XXXX, but provided no contract, billing statements, or proof of assignment showing they have the legal right to collect. 
I dispute this debt in full and have formally requested validation. I am concerned the collector may attempt to report an unverified and disputed debt to consumer reporting agencies, which would violate the FDCPA and FCRA.

I am requesting the CFPB require the collector to provide proper validation or cease collection activity entirely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: NV

Complaint narrative:
This predatory loan company will not work with me in my time of financial hardship. I have already had a loan with them and paid it back in full. Had to get another one through desperate times and my husband just lost his job were surviving solely off of my income. I asked if we could settle the debt for a lower amount. They completely denied the request and refused to work with me because I havent yet paid their first {$800.00} payment which is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am an employee of XXXX and for the last 3 years I have received my direct deposit on Wednesdays they offer a product called early direct deposit. All of my coworkers received their pay either Tuesday or Wednesday that have early direct deposit at other Banks however I did not have my direct deposit from Capital One today and there was no notification from them on a change to policy or plans for the New Year. 

I contacted them upon not seeing my deposit in my account and they said that they were planning on holding all direct deposits that were for Friday on XX/XX/2026. 

As I stated there was no email letting us know that there was a policy change for this to happen all my coworkers received their paychecks with XXXX XXXX  or any other kind of deposit account that they have. 

I set up payments to go out of my checking account that I would not have set up otherwise that will now bounce because Capital One did not inform me at all they were going to change this policy for this one pay period. This is devastating to somebody who needs to survive off of their paycheck bi-weekly and is trying their best to pay their bills on time. If you go on a website like XXXX you can see where there are hundreds of people with the same problem as me today ... hundreds that at least were upset enough to go on there and post.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
" I am filing this formal complaint because Banco Popular de Puerto Rico ( XXXX ) and the credit reporting agency have failed to maintain the accuracy of my credit file as required by the Fair Credit Reporting Act ( FCRA ).

1. Inconsistent and Contradictory Reporting : Between XX/XX/XXXX and XX/XX/year>, my credit report showed erratic changes. Initially, the account was marked as 'Purchased by another lender '. However, by XX/XX/XXXX, this remark was removed, and the 'Balloon payment ' remark was re-inserted. A debt can not be 'sold ' and 're-acquired ' within 10 days while under investigation. This proves the data provided by the creditor is unreliable and lacks integrity. 
2. Failure to Provide Debt Validation : Despite my formal request dated XX/XX/year>, the creditor has refused to provide a detailed breakdown of the {$17000.00} balance, including sale price and adjustments. 
3. Administrative Negligence : In previous communications, the respondent committed a gross error by referencing XXXX XXXX XXXX XXXX instead of 'Banco Popular de Puerto Rico ' . This confirms that my dispute is not being investigated individually or with the 'reasonable procedures ' required by law. 
Desired Resolution : Since the creditor has demonstrated an inability to report consistent data and has failed to verify the exact balance with documented evidence, I demand the immediate and permanent deletion of this account from my credit report. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NV

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Carrington Mortgage Services for improper handling of my XXXX forbearance and actions that caused significant financial hardship. 

I purchased my home on XX/XX/XXXX. About XXXX month later, Carrington Mortgage took over servicing my loan. Due to loss of income during the XXXX pandemic, I was granted a forbearance under a XXXX XXXX XXXX program, which Carrington initially honored. 

For over a year, I attempted to exit the forbearance. Carrington repeatedly delayed the process, claiming they could not locate documents I had already submitted. This continued through XXXX. Throughout this period, I was told that once the forbearance ended, the deferred payments would be placed into a separate balance, payable upon refinance or sale of the home. 

In XXXX, Carrington reversed its position and claimed I did not qualify for the forbearancedespite having approved and maintained it for years. My home was placed into foreclosure multiple times. The VA became involved to help prevent the loss of my home. 

Carrington then stated the only way to keep my home was to refinance the loan, rolling all deferred amounts into the principal at a much higher interest rate. My original mortgage rate was 2.75 %. Carrington refinanced me at over 6.75 % creating severe financial hardship. 

I believe Carrington engaged in unfair, deceptive, and abusive practices by : Mismanaging and delaying my forbearance exit Reversing approved forbearance eligibility years later Threatening foreclosure during an active forbearance dispute Forcing a high-interest refinance as the only alternative I respectfully request that the CFPB investigate this matter and require Carrington to provide appropriate relief, including review of my refinance terms and correction of any related credit reporting. 

Thank you for your attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: P&B Capital Group, LLC
State: NC

Complaint narrative:
Some debt collector has been REPEATEDLY calling my phone along with my Mother, father and youngest brother, about my middle brothers debt who doesnt live in this state and whom I havent seen in YEARS. The first time they called I told them I had nothing to do with him and we arent even on speaking terms and asked them please to stop calling me. They have continued to do so for over a month now and today when they called I pulled out another phone to record so I could prove they keep doing it after being informed I have no contact with my brother whatsoever. I told the man in the phone that I was recording to document this because I was tired of them calling and that it was illegal and his response was youre a XXXX XXXX and you need to learn what youre talking about and proceeded to hang up. Again I have video evidence of his abusive speech toward me as well as the call logs of this. The file size of this recoding is too big to upload.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
To whom it may concern, Good afternoon, Mr./Mrs., My name is XXXX XXXX , I am being a customer with Wellsfargo for almost two decades. Since longtime ago they being abused me financially. Sometimes after complaining, they send me a check as compensation. 
I would like your bureau to help me please with Wellsfargo, because they still me too much. 

This time, I want to go further. Because I think, the compensation money they give me after each complaints I made are taking back via the hight interest rate. 

For example on XX/XX/year>, I have a balance available for purchase for {$1300.00} and a due balance of {$8100.00}. I paid {$300.00} in XX/XX/XXXX, and XX/XX/XXXX, by balance available {$1300.00} and bal due {$8100.00} without buying anything. 

I paid {$300.00} on XX/XX/XXXX, and in XX/XX/year>, I have a balance available for XXXX XXXX XXXX and balance due {$8000.00}. 
How come, I have these balance. This worst than a mortgage payment. 

Thank you for your time. 
Warm regards, 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 explanation
Consumer complaint received 2025-12-31 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: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Immediate Removal of Unauthorized Account Suncoast Credit Union To Whom It May Concern, I am submitting this complaint to formally dispute an account currently appearing on my credit report that I do not recognize. I do not recall applying for this account and was unaware of any charges associated with it. 

* * Company : * * Suncoast Credit Union * * Account Number : XXXX XXXX XXXX XXXX XXXX  Credit Bureau Reporting : XXXX XXXX XXXX This account was opened without my knowledge or authorization and is therefore inaccurate. I did not apply for, authorize, or consent to this account, nor did I benefit from it in any way. 

Because this account is unauthorized, its reporting violates the Fair Credit Reporting Act ( FCRA ). I am requesting that this account be * * removed immediately * * from my XXXX  credit report. 

I respectfully request prompt action to correct this inaccurate reporting, as it is negatively impacting my credit profile. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Alorica Inc.
State: AZ

Complaint narrative:
On XX/XX/year>, I spoke with the companys Title Department and was transferred to XXXX. I was advised that the account is closed and that the XXXX filing should have already been lifted. I was told the person responsible for XXXX filings was out of the office and would return on XX/XX/year>. During this call, I explained that my roof was being replaced and the solar panels would not be reinstalled. XXXX advised that the roofer could dispose of the panels as they saw fit. 

On XX/XX/year>, I called and spoke with XXXX in the Title Department. She stated my point of contact would be XXXX XXXX, who was in a meeting and would call me back. I again raised the issue of disposing of the panels during roof replacement. XXXX stated she was unsure of the process and asked what XXXX had advised, noting he had more experience. I explained that XXXX stated the panels could be disposed of. 

Later on XX/XX/XXXX, I spoke with XXXX XXXX in the Title Department. I asked whether the company wanted the panels returned if they were removed. XXXX consulted with another department due to the account being in deficiency and having gone through Chapter XXXX bankruptcy. She asked that I call her back at XXXX XXXX XXXX once she had additional information. 

I later spoke again with XXXX, who advised that XXXX was still out to lunch and would return my call. When I subsequently spoke with XXXX XXXX, she stated she was waiting for internal approval to remove the XXXX filing. She explained the XXXX would typically be removed electronically, though sometimes a check must be sent to XXXX XXXX. During this call, XXXX confirmed that the company does not want the solar panels and that I am authorized to dispose of them. 

On XX/XX/year>, I was transferred to the XXXX Department and spoke with XXXX, who placed me on hold to review the account. I requested confirmation in writing that I could dispose of the panels when replacing my roof and requested an update to my email address. XXXX advised that XXXX was still waiting for a response internally. 

At approximately XXXX XXXX  on XX/XX/year>, I spoke again with XXXX XXXX. She stated that although the debt is XXXX, the company considers the XXXX to remain attached to the property and usually remains until the debt is satisfied. She indicated she was trying to obtain written authorization allowing disposal of the panels. She also stated that the companys legal team would handle arbitration if the matter escalated and that typically a future homeowner would assume the solar system if the property were sold. 
Despite acknowledging that the debt is XXXX and confirming that the company does not want the solar panels and has authorized their disposal, the company has failed to release the XXXX filing. 

This has created an improper cloud on my property title despite no remaining debt and no remaining collateral.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
I've been having problems with sofi and I eventually wanted to close my account and they won't let me close the account and won't give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was in the process of sending money and a hold kept being placed on the funds I was trying to send, I was told to lower the amount and break it up into payments, I did so and then my ability to send money was locked. I was not contacted to find out if it was me doing this, they just locked down my account and when I asked the to remove it after confirming it was me doing the transaction they refused to remove the lock.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX, I received an email from PayPal stating my account was permanently deactivated due to " unusual activity. '' I've had this account since XXXX with no prior issues. 

I called customer support to understand what triggered this decision. The representative refused to provide any specific information and only cited the Terms of Service stating that she doesn't need to give a reason. She stated nothing could be done and offered no path to appeal. 

Looking at my recent transactions, I see nothing unusual, standard purchases from legitimate online retailers and a few refunds that occurred because sellers couldn't fulfill orders ( not cancellations on my end ). I have documentation confirming this. 

PayPal is currently holding {$130.00} of my funds for up to XXXX  days. I was given no opportunity to explain or dispute the decision before my account was closed, and I still have no understanding of what policy I allegedly violated. 

I'm requesting : A clear explanation of why my account was closed An opportunity to provide documentation and appeal the decision Immediate release of my held funds Desired resolution : Explanation of the closure reason, reinstatement of my account or a fair appeals process, and release of my {$130.00}.

Company response to consumer: Closed with explanation