vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CT

Complaint narrative:
On XX/XX/XXXX at approximately XXXX XXXX I received a phone call from XXXX ( XXXX ) XXXX. The caller falsely claimed to be a representative of Chime Bank and informed me of suspicious activity on my account. I was instructed to provide sensitive information including the last digits of my Social Security Number, my account email, password, and a one-time password ( OTP ). Believing the request to be legitimate, I provided all requested details. The caller then disconnected immediately. On XX/XX/XXXX, upon accessing my account, I discovered that {$1700.00} had been withdrawn without my authorization. The funds were transferred to unknown merchants including coinbase.in, XXXX XXXX, and Crypto.com. I confirm that I did not authorize any of these transactions and believe I was a victim of a phishing scam and financial fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase high school banking for my minor son was set up and my son got scammed by an email that was sent by his school to deposit a fake check and XXXX monies of {$480.00} ( he doesnt even have that amount in his account ) to some unknown person named XXXX on XX/XX/year>. I called immediately, about 3 hours after being notified via email tag my did this on his account. I made a fraud claim and they denied it several days later, stating since it was authorized but I dont authorize it as he is a minor child, it is clearly a fake check and was denied and retired as so. I called because they denied the claim on XX/XX/XXXX and chase then stated they couldnt do anything because XXXX is a copy right and have no control over that. I then spoke to a manger and said the person I spoke to was incorrect and that they are still investigating and they have till XX/XX/XXXX to respond. I heard nothing and tried again Monday, XX/XX/XXXX and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
My SSN has been shared somehow and I have had multiple savings and checking accounts opened or attempted to be opened in my name. I have been dealing with this at least twice a week for hours at a time trying to get these closed. I put a fraud alert on all my credit profiles and it has not helped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — Store credit 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: Klarna AB
State: TX

Complaint narrative:
I am filing a complaint against Klarna regarding a refund that was already issued by XXXX but has not been applied to my Klarna account. Despite multiple contacts over the past two months, Klarna has failed to resolve the issue, continues to request payment for a refunded purchase, and refuses proper escalation. I have submitted all required documentation, including proof of refund and bank statements. This situation is unacceptable and may constitute improper billing practices. I request an immediate investigation, correction of my balance, and written confirmation that this issue will not impact my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I was a victim of identity theft, and a fraudulent savings account was opened in my name at Huntington Bank. I have contacted the financial institution on XXXX, XXXX, and XXXX informing them that the account was opened fraudulently and that it should be closed. I have not seen a resolution to this issue and I am receiving statements regarding the fraudulent bank account. I do not have a way to get in contact with the fraud department. I have only spoken with representatives that state they do not have a way of contacting the fraud department as they are not a client facing group. They have stated that tickets have been opened regarding my issue yet I have received no further communication regarding the closing of this fraudulent account or any types of flags that have been added under my Social Security number to prevent further accounts from being opened. Or having any type of mobile deposits and or withdrawals processed within the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had been using XXXX to send and receive holiday money with my husband and family. Bank of America flagged my XXXX account but did not properly communicate this, I called them and they said the restrictions was through the XXXX company. I called the XXXX company and they said only bank of America can remove it. When I called bank of America again they lied and said they lifted the restrictions and when I contacted a supervisor she informed me it is still restricted on their and told me to just use another service. I asked them to please send me an email explaining this and what other information they communicated during the call and they refused. I asked them if there is no way to re-open a ticket for my restriction could they email me something in writing saying that and they once again refused. Eventually they told me they would transfer me to someone who would email me what they had said in writing but instead of transferring me they hung up.

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 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
On XX/XX/year>, I initiated an instant transfer for {$2500.00} from my XXXX balance linked to my XXXX XXXX account. I was charged a fee for instant delivery. As of XX/XX/year> at XXXX XXXX more than XXXX hours have passed and the funds remain in pending status. XXXX is currently withholding my capital and has failed to fulfill the paid XXXX for instant funds availability. I contacted XXXX support and was informed the delay was due to an 'engineering glitch ' and was told the resolution could take up to 7 business days. I attempted to escalate, support refused a timeline or to provide a manual override or provide a specific technical reason for the hold. This is an insufficient explanation and a refusal of service. The delay is unfair and deceptive and XXXX continues to market and charge for an 'Instant ' service that its own support staff admits is not functioning.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: FL

Complaint narrative:
They have sent me several messages and many calls a day

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 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXXXXXX XXXX XXXX XXXX DC XXXX Subject : Formal Complaint and Request for Debt Validation under 15 U.S.C. 1692g To Whom It May Concern, I am submitting this complaint regarding a debt collection account being reported and/or pursued by Credit Acceptance . I dispute the validity of this alleged debt and request proper validation pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g. The account in question is as follows : Creditor Name : Credit Acceptance Account Number : XXXX Under 15 U.S.C. 1692g, I am requesting that the debt collector provide full validation of this alleged debt, including but not limited to : The name and address of the original creditor A complete accounting of the alleged debt, including fees and interest Documentation bearing my signature showing I agreed to this debt Proof that the debt collector is authorized to collect in my state Verification that the statute of limitations has not expired Until such validation is provided, the debt collector must cease all collection activities, including reporting this account to any consumer reporting agencies. If the debt collector fails to provide proper validation, I request that this account be removed from my credit report and that all collection efforts immediately cease. Additionally, if this account continues to be reported without proper validation, it may constitute violations of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure that the debt collector complies with federal law. Please confirm receipt of this complaint and provide updates regarding any actions taken. Sincerely, XXXX XXXX XXXX. 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 2026-04-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
I am filing a complaint regarding Affirms failure to conduct a reasonable investigation into a fraudulent transaction on my account. A purchase was made through XXXX XXXX using my information without my authorization. I did not make or approve this purchase. As soon as I became aware of the transaction, I took immediate action : * Contacted the merchant multiple times via email and text requesting cancellation * Received no response from the merchant beyond automated replies * Contacted my credit card company and had the card canceled * Reported the transaction to Affirm as unauthorized Despite this, Affirm completed their investigation within approximately 48 hours and concluded that the transaction was associated with my account and therefore my responsibility. Affirm did not provide : * Any documentation or evidence supporting their conclusion * Proof that I authorized the transaction * Details regarding how the investigation was conducted Simply associating a transaction with my account does not prove authorization. Affirm failed to conduct a thorough and fair investigation into unauthorized use. I am requesting : * A full reinvestigation of this matter * All documentation and evidence used to determine liability * Removal of this loan from my responsibility if authorization can not be proven This situation is causing financial harm and potential damage to my credit for a transaction I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I received a text from the company. I didn't trust the text so I found them online and contacted them and asked about the debt. They told me it was from 2010 and from a credit card. The did not give me any additional information as to what the charge was for or even the name of the credit card. They sent me a identify theft affidavit which I submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: SD

Complaint narrative:
I am filing a complaint regarding Bridgecrest and XXXX failure to provide a written response to my written servicing dispute, refusal to provide required documentation, and repeated attempts to force phone communication despite federal requirements for written responses. Chronology of Events XX/XX/year> I submitted a written servicing dispute to Bridgecrest regarding misapplied payments, ledger discrepancies, and payment allocation issues. XX/XX/year> The 7day writtenresponse deadline passed with no written response. XX/XX/year> XXXX called me on a recorded line and attempted to redirect me to Bridgecrest by phone. I informed them that written responses are required by law. The representative disconnected after stating he would email me. XX/XX/year> XXXX emailed me a nonresponsive message directing me to call Bridgecrest. It did not address any part of my dispute. XX/XX/year> Bridgecrest emailed me stating : specifics of your account can not be discussed via email or live chat. This is false, as Bridgecrest routinely emails account information such as payment confirmations, payoff quotes, and delinquency notices. This email is a refusal to respond to my written dispute and an attempt to force phone communication. Violations Bridgecrest and XXXX have : Failed to provide a written response to a written dispute Refused to provide a payment ledger Refused to provide a written explanation of payment application Attempted to force phone communication Provided false statements about their ability to communicate in writing Ignored the substance of the dispute entirely I have attached the XX/XX/XXXX XXXX email and the XX/XX/XXXX Bridgecrest email as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I am currently in an active XXXX XXXX bankruptcy and am in my fourth year of the plan. I have made all required mortgage payments on time to XXXX XXXX throughout the duration of my bankruptcy. Despite this, XXXX XXXX XXXXs not reporting my on-time mortgage payments to the credit bureaus. Instead, the account is either not being updated monthly or is simply marked as included in bankruptcy, with no reflection of my ongoing, timely payments. I contacted XXXX XXXX directly and was told that they will not report positive payment activity during the XXXX XXXX unless I become delinquent. In other words, they will report negative information but refuse to report accurate, positive payment history. This practice is unfair and misleading. It results in an incomplete and potentially inaccurate credit profile, as it omits years of consistent, on-time payments. This negatively impacts my ability to rebuild my credit during and after bankruptcy. While I understand that creditors are not always required to report, if they choose to report, the information must be accurate and not misleading under the Fair Credit Reporting Act. Reporting an account without reflecting ongoing timely payments creates a materially incomplete picture of my credit behavior. Supporting facts * I am in Year XXXX of a XXXX XXXX repayment plan * All mortgage payments have been made on time * XXXX XXXX has acknowledged they do not report positive payments during bankruptcy * Negative reporting would occur if I were late, but positive reporting is withheld Impact This issue is preventing me from rebuilding my credit despite consistent, responsible payment behavior. It creates a one-sided reporting structure that only reflects negative activity and ignores positive performance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
One main Finacial XX/XX/year> Im unaware if this reporting on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC
State: IL

Complaint narrative:
Long story short, I turned in my vehicle for voluntary repossession and was told I still owed a deficiency balance. Around the time I was making the payments my insurance company told me that Westlake Financial ( the loan company ) put in a claim for hail damage for the car claiming it happened under my posesion. The insurance company denied the claim because there was no hail in my city and they know that due to using the live location tracker for car accidents. The bank ended up selling the car for a much lower price than what I paid for and had me pay the deficiency balance. I was never told when the car got sold in the auction despite me calling varios times and asking for an update to know when the car would be sold as it is my legal right to know. They admitted over the phone when they looked at the call recordings that they failed to provide me with the date of the car auction when I called in to ask for it. I contacted a manager ( which took a very long time ) the manager looked into my case and realized I was right about the mistakes and we settled for an amount around XXXX XXXX for the whole deficiency balance. I paid it right away thinking this would end this dilemma. I was told I would receive a letter with confirmation the while deficiency balance is paid out but I never got it. This past Friday I got a letter from Westlake Financial saying I am past due my loan payment. I called them and they said I still owed the money and that they have no record of a settlement. They asked to call back today Monday to ask for an update on the call recording that took place on XXXX that proves that I was told that they would settle the deficiency balance for me. Today I called and they told me that even though the call recording does say that they informed me the deficiency balance would be waived, management does not approve of this and thry still need me to pay the deficiency balance. I demanded a copy of the recording since they never gave me an email or anything or anything in writing. They denied giving me a recording of that day claiming that they can only give that to my attorney. I really need your help in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
Web bank gave me a card I didn't apply for then made me pay for it they want XXXX when they said limit is XXXX on the trade line from my credit report what is going on

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am filing a formal complaint regarding the treatment of an XXXX Bank of America customer who has banked with them for approximately 34 years. Fraudulent activity occurred on my account on XX/XX/XXXX. A fraud claim was promptly reported to Bank of America on XX/XX/XXXX. After not receiving proper resolution, a follow-up call was made on XX/XX/XXXX regarding the status of the claim. Bank of America then issued a {$5000.00} provisional credit on XX/XX/XXXX while the matter was being reviewed. However, on XX/XX/XXXX, Bank of America reversed that credit and withdrew the funds from my account. This reversal occurred after my XXXX Social Security deposit was made, causing my account to become overdrawn by more than {$2500.00} and leaving me with no money for the entire month of XXXX. As an elderly customer who depends on Social Security for basic living expenses such as food, medication, transportation, and housing, this action has caused severe financial hardship and emotional distress. After 34 years as a loyal customer, I should have been treated with fairness, dignity, and compassionespecially considering my age and fixed income status. I am requesting the following immediate actions : A full review of the fraud claim investigation and the XX/XX/XXXX reversal decision. Immediate restoration of the removed funds while this matter is under review. Written explanation of the reason the {$5000.00} provisional credit was reversed. Reimbursement of any overdraft fees or related charges caused by this action. Consideration of the hardship caused to an XXXX customer left without his Social Security income. Assurance that elderly customers will be treated fairly in future fraud investigations. Please treat this complaint as urgent. Leaving an XXXX customer without access to my monthly Social Security funds and with an overdrawn account is unacceptable and requires immediate corrective action. I expect a prompt response and fair resolution.

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 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief