vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: SC

Complaint narrative:
In the beginning of XX/XX/year> I was locked out of my chime checking account because at the time I was detained at a correctional facility where my roommate got a hold of my account information and log in info and logged into my account and changed personal information. I was no longer able to regain access to my account and have reached out to chime from the years of XXXX to regain access. Informed them that I was incarcerated and had no problem having my power of attorney, which is my living biological mother, provide all documents to prove my incarceration and also provide my state institution ID which is my inmate ID that has my inmate number attached to it which it public records to prove my identity and have my account closed and my funds issued to my power of attorney Subject : Complaint Against Chime Failure to Return Funds After Account Closure I am filing a complaint against Chime regarding the closure of my account and failure to return my remaining balance. At the time my account was closed, I had approximately {$10000.00} in my account. Since the closure, I have not received my funds, nor have I been provided with clear communication regarding when or how these funds will be returned. I am currently incarcerated, which has significantly limited my ability to communicate directly with Chime or access my account. Despite this, I am still entitled to the return of my funds. I request the following : 1. Immediate confirmation of the status of my funds 2. Reissuance of any check if previously sent 3. Delivery of my funds to a valid address or authorized representative Chimes failure to return my funds in a timely manner has caused financial hardship and concern. I ask the Consumer Financial Protection Bureau to investigate this matter and ensure that my funds are returned promptly. Sincerely, XXXX XXXX Last XXXX digits of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Mother ( Power of attorney ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
Filed a dispute with So-Fi that I paid a merchant for which I did not recieve the goods and services. Asked for temporary credit and was told via the online chat that I had to wait 10 days. I waited 10 days and now am getting excuses. They are still waiting for a reply for merchant. I sent all info asked for and also asked for all my communications with the bank, which I still have not recieved. I explained that I do qualify under Regulation E for my credit and am getting the run around. This has caused financial issues and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: VA

Complaint narrative:
IMPROPER FORCE-PLACEMENT OF HAZARD INSURANCE ON MY PROPERTY IN THE AMOUNT OF {$14000.00}, ON XX/XX/year> THIS ACTION WAS TAKEN BY THE COMPANY WITHOUT PROPER JUSTIFICATION " A FORMAL NOTICE OF ERROR HAS ALREADY BEEN SENT VIA CERTIFIED MAIL, BUT THE ISSUE REMAINS UNRESOLVED.

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 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am filing a formal complaint against PayPal regarding their refusal to reimburse {$1000.00} that was stolen from my account on XX/XX/year> my phone was stolen I have video evidence clearly showing the individual taking my phone shortly after on XX/XX/year> and XX/XX/year> unauthorized transactions totally {$1000.00} were made from my PayPal account using the friends and family feature I did not authorize these transactions nor did I give anyone permission to access my account because my phone was stolen prior to the insurance actions I believe the individual used my device to gain access to my Paypal account and send themselves my money I reported the unauthorized transactions to PayPal immediately however PayPal deny my claim closing investigation stating that the transactions were sent through friends and family and therefore not eligible for protection I strongly dispute that decision these transactions were not authorized by me and where the directors all of a theft and unauthorized access to my personal device and financial account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am disputing inaccurate credit reporting by Jefferson Capital Systems. This account is being reported with Jefferson Capital Systems listed as both the collection agency and the original creditor, which is factually incorrect. Jefferson Capital is a debt buyer and not the original creditor. Additionally, this account continues to be reported as open and updated monthly despite being disputed, without proper validation being provided. The account also reflects duplicated dispute remarks, which raises concerns regarding the accuracy and integrity of the data being furnished. Under the Fair Credit Reporting Act ( FCRA ), all reported information must be complete and accurate. Due to these inconsistencies and failure to properly validate the debt, I am requesting : Immediate deletion of this account from all credit reporting agencies Investigation into improper reporting practices Confirmation that this account will no longer be reported If the company can not provide full validation and accurate reporting, this account must be permanently removed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
My debt was bought by a private company And XXXX of my income tax check was taken. There was a lawsuit against them already.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not initiate these inquiries. Please examine and take corrective action. Supporting paperwork is provided.

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 2026-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This is a formal follow-up to my prior communication. I am demanding a full explanation of what occurred, why it occurred, and who authorized the retention or reporting of any data connected to my name. Your failure to provide a transparent account of your actions is unacceptable and directly conflicts with your legal obligations. Let me be absolutely clear : I am demanding immediate deletion of any and all data, records, or reported information that can not be verified with complete, physical, legally compliant proof. Every data point must be 100 % accurate, fully validated, and lawfully obtainednot assumed, not estimated, and not based on incomplete internal records. You have no consent to retain or report information that violates federal or state law. Your continued non-compliance constitutes a breach of your responsibilities under applicable consumer protection laws.

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 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I am filing a formal complaint against USAA Federal Savings Bank regarding their handling of a fraud claim involving criminal extortion. I was the victim of a felony extortion incident in which I was threatened and coerced into withdrawing and transferring {$1000.00}. Immediately after the, I reported the matter to law enforcement and filed a report with federal authorities. This is an active criminal matter. I submitted the official police report to USAA as part of my dispute and fraud claim. Despite this, USAA : Denied my claim not once, but twice Failed to include or meaningfully consider the police report in their investigation Relied primarily on the fact that I authorized the transaction, without addressing that the authorization occurred under coercion and threat USAA later provided documentation used in their investigation. The police report I submitted was not included in their findings. This raises serious concerns about : The adequacy and fairness of their investigation Whether they are complying with obligations under consumer protection laws and electronic funds transfer regulations Whether victims of criminal coercion are being improperly denied protection I am not disputing that I physically conducted the transaction. I am asserting that it occurred under duress due to a credible threat, which fundamentally changes the nature of the transaction. Requested Resolution : A full reimbursement of the {$1000.00} A documented re-investigation that includes and evaluates the police report A clear explanation of USAAs policies regarding transactions conducted under coercion or extortion

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 2026-04-06 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: MD

Complaint narrative:
I am filing a complaint regarding a denied dispute for an unintended transaction in the amount of {$100.00}. On the date of purchase, I was attempting to review the total cost of tickets through XXXX XXXX, and the transaction processed immediately without my intent to finalize the purchase. I disputed the charge with SoFi as soon as I became aware of it. I attempted to contact the merchant, XXXX, by phone, but was unable to reach them. I also contacted SoFi prior to the event date to explain that this was a time-sensitive issue and requested that the dispute be reviewed before the scheduled event, but I was informed that the process could not be expedited. The event has now passed, and the tickets were never used, transferred, or accessed at any point. I did not receive any service or benefit from this transaction. Despite providing documentation and acting promptly, my dispute was denied, including upon reopening. Given that this transaction was unintended, no services were used, and the event has passed with no ability to use the tickets, I respectfully believe I should not be held financially responsible for this charge. I am requesting a fair reconsideration of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AR

Complaint narrative:
Consumer Financial Protection Bureau Complaint * * * * Company : Cash App ( Block, Inc. ) AND XXXX * * * * Issue : Improper Denial of Fraud / Non-Delivery Dispute * * To Whom It May Concern, I am filing a formal complaint against Cash App ( Block, Inc. ) regarding their improper denial of my dispute involving a fraudulent transaction and failure to provide adequate consumer protection. * * Transaction Details : * * * Date of transaction : XX/XX/year> * Amount : {$140.00} * Merchant : XXXX XXXX * Transaction : XXXX XXXX * * Summary of Issue : * * On XX/XX/year>, I made a purchase from an online merchant that I later determined to be fraudulent. After completing the transaction, I did not receive the product and it is XX/XX/XXXX. I made multiple good-faith attempts to resolve the issue directly with the merchant, but the merchant failed to deliver the item or provide any legitimate updates. Once it became clear that the merchant was not legitimate, I filed a dispute with Cash App. * * Cash Apps Response and Deficiency : * * Cash App denied my claim based solely on the merchant providing a shipping label. However, this decision ignores critical and verifiable evidence : * The tracking information shows the package has * * never been received by the carrier * * * The status remains awaiting package drop-off to this day * No shipment was ever made, and no delivery occurred A created shipping label is not proof of shipment, fulfillment, or delivery. Cash App failed to conduct a reasonable investigation and instead relied on incomplete and misleading documentation. * * Why This Is a Failure of Consumer Protection : * * Cash Apps decision demonstrates : * Failure to properly evaluate evidence * Reliance on insufficient proof from a known or suspected fraudulent merchant * Failure to protect users from clear cases of non-delivery and fraud As a financial service provider, Cash App has an obligation to conduct a fair and thorough investigation of disputes. In this case, they did not meet that standard. * *

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC
State: KY

Complaint narrative:
The debt collector refuses to respond to a debt verification letter sent on XX/XX/XXXX. Took the debt off my credit report then added the debt without debt verification or payments on original account and missing deposit from XXXX the account open in XXXX in California. Refuses to respond or send validation but illegally reports against me and cause extream prejudice against me. Intentionally exposing me great harm with my XXXX. Therfore continuing cases trama to me leading towards my early XXXX without any regards to any laws and I should be reimbursed for the intended abuse and trama they have a are currently imposing against in the fullest intent the United States Federal government can impose on this unconstitutional and intentional harm this company impose on the us citizens. This company needs to insure strict fines and a complete investigation of it unlawful intent to harm us citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
Failure to process approved loan assumption / inability to contact lender I am filing this complaint regarding a solar loan serviced by GoodLeap that was supposed to be assumed by the buyer of my home. I sold my home on XX/XX/year>, approximately three months ago. As part of the sale, the buyer agreed to assume the solar loan associated with the property. The buyer completed the application process and was approved by GoodLeap for the loan assumption. The buyer at this time is fully cooperative with the process. Since that approval, I have made multiple attempts to complete the assumption process with the assistance of the title company. The required documents have been submitted via mail to GoodLeap on at least two separate occasions by the title company. Despite this, the assumption has not been finalized. I have been unable to reach a live representative at GoodLeap to resolve this issue. Recently, I was instructed to submit documents via email. When I did so, the email was returned with a message indicating that the inbox was full. This has prevented me from complying with their instructions. I called their customer support regarding the issue. Even with the knowledge that we were receiving an inbox full response the representative stated they would not assist with the issue and referred me to email the same email we are getting the error from. It has now been approximately three months since the sale of the home, and the loan remains in my name despite the buyer being approved for assumption and my repeated good-faith efforts to complete the process. I am still making the monthly payments for this loan. This situation is unacceptable. GoodLeaps failure to process the assumption and failure to provide a functional method of communication is causing ongoing harm and exposes me to continued liability for a property I no longer own. I am requesting that GoodLeap immediately process and finalize the approved loan assumption, remove the loan from my name, and confirm in writing that I am no longer financially responsible for this account. I also request confirmation that my credit will not be negatively impacted due to this delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: NY

Complaint narrative:
To Whom It May Concern, I am filing this complaint against XXXXXXXX XXXX XXXX regarding a collection account being reported on behalf of XXXX XXXX. I formally dispute this account in its entirety. I have not been provided with any valid documentation to verify this debt. I have not received a signed agreement, a complete billing history, or any proof demonstrating that this account is accurate, that the balance is correct, or that it is legally owed by me. Under the Fair Debt Collection Practices Act ( FDCPA 1692g ), I requested validation of this debt. XXXXXXXX XXXX XXXX has failed to provide proper verification. Additionally, under the Fair Credit Reporting Act ( FCRA 623 ), any information furnished to credit reporting agencies must be accurate and verifiable. Reporting a debt without proper documentation is a violation of federal law. Because XXXX XXXX XXXXXXXX has failed to validate this account and can not provide sufficient proof of its accuracy, they do not have the legal right to continue reporting or collecting on this debt. Therefore, I demand the following : Immediate deletion of this account from all credit reporting agencies Immediate cessation of all collection activity Written confirmation that this account has been removed If this matter is not resolved promptly, I will pursue all available remedies under federal law for violations of the FDCPA and FCRA. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint regarding improper billing and collection actions related to my previous membership. I canceled my membership prior to using any services and was informed multiple times that my account had no outstanding balance. Despite this, I am now being contacted by a debt collection agency attempting to collect {$140.00}. This is unacceptable and does not reflect the information previously provided by your company. I had already been contacted before and they forced me to pay around {$200.00} to leave. They keep on calling me then tell me everything is fine and this last time this person from Aldous just hanged up on me when I started making questions. This situation is causing unnecessary distress and may negatively impact my credit. I am requesting : Immediate confirmation that this balance is invalid Immediate recall of the account from collections Written confirmation that no negative credit reporting will occur If this matter is not resolved promptly, I will continue pursuing complaints through the Consumer Financial Protection Bureau, Federal Trade Commission, and the Florida Attorney General. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Complaint Against : Nissan Motor Acceptance Corporation Issue : Auto Loan Billing / Payment Dispute Description : My auto loan with Nissan Motor Acceptance Corporation ( Account Number XXXX ) was paid in full on XX/XX/XXXX. Despite the loan being fully satisfied, Nissan Motor Acceptance Corporation continued accepting monthly payments of {$550.00} through XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX BillPay. These unauthorized payments occurred from XX/XX/XXXX through XX/XX/XXXX, totaling fifteen ( XXXX ) payments. Payment Details : Monthly Payment : {$550.00} Number of Unauthorized Payments : XXXX Total Amount : {$8200.00} Payment Period : XX/XX/XXXX XX/XX/XXXX Payment Method XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX has confirmed the payments were transmitted and that Nissan Motor Acceptance Corporation did not return the funds. Because the loan had already been paid off, Nissan Motor Acceptance Corporation had no legal basis to accept or retain these funds. This constitutes improper billing, payment processing failure, and unjust enrichment. I am requesting : Refund of {$8200.00} Written explanation of why payments continued after payoff Confirmation the loan account reflects paid-in-full status I have attempted to resolve this matter directly but have not received resolution. This issue involves funds accepted after a loan payoff and should be corrected immediately. Requested Resolution : Full refund of {$8200.00} and written explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
Per the attached letters from this business concerning an alleged small dollar debt for account ending in : XXXX and XXXX. This is notice to cease and desist.

Company response to consumer: Closed with explanation