vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Revolut Technologies Inc.
State: NJ

Complaint narrative:
I am submitting this complaint regarding Revoluts refusal to reimburse fraudulent transactions that were made under coercion and impersonation. On XX/XX/XXXX and XX/XX/XXXX, I was the victim of a scam in which an individual falsely claimed that I had an active warrant for my arrest. The caller used threats, urgency, and intimidation to pressure me into making immediate payments to avoid being arrested. I was told that I had no time to verify the situation and that law enforcement action was imminent if I did not comply. The individual directed me to make multiple payments to a merchant labeled XXXX and explicitly instructed me to ignore fraud warnings and proceed with the transactions. I was in a state of fear and distress and believed I was acting under legitimate legal pressure. The following transactions were made as a direct result of this coercion : XX/XX/XXXX : * {$680.00} * {$800.00} XX/XX/XXXX : * {$680.00} * {$220.00} * {$68.00} These transactions total approximately {$2400.00}. After realizing I had been scammed, I immediately reported the fraud to XXXX. However, my dispute was denied. XXXX stated that because I shared my card details believing it was a legitimate payment, they are unable to assist or refund the transactions. This reasoning is deeply concerning and fails to account for the fact that these payments were made under duress, coercion, and impersonation. Consent obtained through threats of arrest is not valid consent. This was not a voluntary or informed transaction it was fraud. Additionally, Revolut failed to adequately protect me despite clear red flags : * Multiple high-value transactions within minutes * Repeated declined attempts followed by approvals * A suspicious and unfamiliar merchant ( XXXX ) * Instructions from a third party to bypass fraud warnings I believe Revolut did not properly investigate the coercion aspect of this case and incorrectly categorized these transactions as authorized. I am requesting : XXXX. A full reinvestigation of these transactions under fraud and coercion standards XXXX. Reimbursement of the funds lost due to this scam XXXX. An explanation of how Revolut evaluates cases involving impersonation and threats XXXX. Clarification of what fraud protections are in place for consumers subjected to social engineering scams I am prepared to provide additional documentation, including screenshots, transaction records, and a police report. This situation has caused significant financial and emotional distress, and I am seeking a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: LA

Complaint narrative:
XX/XX/XXXX XXXXXXXX XXXX {$20.00} XX/XX/XXXXXXXX XXXX XXXX {$36.00} XX/XX/XXXX XXXX XXXX {$14.00} XX/XX/XXXX XXXX XXXX {$29.00} XX/XX/XXXX XXXXXXXX XXXX {$25.00} XXXX XXXX XXXX XXXX. {$24.00} Dispute XXXX I started a dispute. Secured my account. Requested approve or deny text options. Changed my cards. I had another scam charge come through. XX/XX/XXXX XXXX. {$22.00}. I called to open that dispute and see why it's still happening with a new secure account. I was told chime will UPDATE your info with companies after a card change so you don't get late fees, lose subscriptions, etc. also that companies can still push charges through even after complaints. I have it all recorded. They also said there system was reconfiguring basically that's why I was not getting approval/deny messages. I asked for that dispute to be reopened and the new charge to be opened. They did neither. Told me they wouldn't reopen until I sent in my time card info from my job. This is the second time a dispute was denied after a XXXX min investigation. XX/XX/XXXX XXXXXXXX XXXX {$16.00} XX/XX/XXXX XXXXXXXX XXXX {$16.00} XX/XX/XXXX XXXXXXXX XXXX {$16.00} XX/XX/XXXX XXXXXXXX XXXX {$16.00} XX/XX/XXXX XXXXXXXX XXXX {$16.00} XX/XX/XXXX XXXXXXXX XXXX {$16.00} XX/XX/XXXX XXXXXXXX XXXX {$16.00} XX/XX/XXXX XXXXXXXX XXXX {$16.00} XX/XX/XXXX XXXX XXXX {$16.00} XX/XX/XXXX XXXXXXXX XXXX {$16.00} Dispute XXXX You can look at the dates and times and have common sense it's a scam. Which was also denied and never reopened. I have had enough. All scammers have to do is let chime send your updated info. I have changed my cards so many times. And they still are able to get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Credit Collection Services [ Insert Address From Collection Letter ] RE : Debt Validation Request Under FDCPA 15 U.S.C. 1692g To Whom It May Concern : I am formally requesting full validation of the alleged debt you claim I owe. This letter is not a refusal to pay, but a notice that your claim is disputed and validation is requested pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. You have contacted me regarding an alleged account, yet I have not been provided with sufficient evidence proving that I am legally obligated for this debt. Therefore, you must provide competent evidence that I have a contractual obligation to pay your company. Please provide the following documents and information : A complete copy of the original signed agreement or contract bearing my signature. The original application and/or account opening documents. A complete payment history on the account from inception. The original creditors name, address, and account number. A copy of the floor agreement or service agreement associated with this alleged debt. A complete chain of assignment, transfer, or sale showing your legal ownership of the debt. A copy of the bill of sale proving the account was legally transferred to your company. Proof that Credit Collection Services is licensed and authorized to collect debts in the State of Georgia. The date of first delinquency and proof the statute of limitations has not expired. Documentation showing how the amount claimed was calculated, including fees, interest, and penalties. Copies of any judgments, if applicable. The name and address of the custodian of records for this alleged account. Be advised that reporting inaccurate, incomplete, or unverifiable information to any consumer reporting agency may constitute violations of the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681e ( b ) and 1681s-2. Until you provide the requested validation, you must cease all collection activity, including reporting or verifying this account to any credit reporting agency. If this account is already being reported, I demand that it be marked as disputed immediately. If you can not provide the requested documentation, you must delete the account from all consumer reporting agencies and cease further collection efforts. All future communication regarding this matter must be in writing only. Sincerely, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
Exeter wrote this as a profit loss and failed to provide a 1099-C so that I can report it as income on my XXXX taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My wife and I XXXX XXXX of XXXX. I applied to assume the mortgage at Chase Bank. The application has been in for XXXX months. They have asked for the same documents several times ( stalling ). It is easy to see they ( Chase ) is playing the long game in an effort to get me to refinance at a higher rate. My financial picture has only improved over the years since purchasing the house at $ XXXX and now taking XXXX for a $ XXXX mortgage or simply removing my ex from the title. I live in the house and have never made a late payment. Chase dragging their feet doesn't change much for me but it directly affects my ex in her ability to purchase her home. This forced her to rent until the mortgage is settled. This is costing her roughly {$600.00} extra dollars per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I recently pulled my full consumer disclosure and reviewed my credit profile. During this review, I discovered multiple accounts being reported that I believe are inaccurate, unverifiable, and/or unauthorized. These accounts contain internal inconsistencies, incorrect balances, improper account statuses, and inaccurate dates, which violate the Fair Credit Reporting Act 's requirement for maximum possible accuracy. I am legally challenging this information under the Fair Credit Reporting Act ( FCRA ), Metro 2 data reporting standards, the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and the Equal Credit Opportunity Act ( ECOA ).

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 2026-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I checked my XXXX credit report and I found that I have a collection account that is impacting my credit score negatively. I disputed the collection and accordingly the creditor verified with XXXX that the information is correct. Unfortunately, due to having a common first and last name, in the past collection accounts have been assigned to me and every time I had to dispute. The account is not mine, I haven't had reliant energy as my utility provider since almost XXXX years ago and when I closed my account I had XXXX balance. Creditor : Online information services Account Info Account NameONLINE INFORMATION SERVI Account XXXX Account TypeCollection ResponsibilityIndividual Interest Type- Date XXXX StatusCollection account. {$380.00} past due as of XXXX XXXX. Status UpdatedXXXX XXXXXXXX Balance {$380.00} Balance XXXX Recent Payment- Monthly Payment- Original Balance {$380.00} Highest Balance- Terms1 Month On Record XXXX XXXX Historical Info Original XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Zip Co US Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, I made a purchase through Zip for a deal on XXXX. The total amount was approximately {$59.00}, and I was placed on a payment plan through Zip. After completing the transaction, I never received the voucher or any confirmation email. During checkout, no email was collected, and the voucher was not linked to any account I can access. As a result, I have no way to use the product I paid for. I contacted XXXX customer support and provided my order confirmation number and proof of payment. Despite this, they refused to provide the voucher or issue a refund. They repeatedly requested the bank name and card type used for the transaction, which I can not provide because the payment was processed through Zip, not directly with XXXX. I also contacted Zip, but they have continued to charge me for this transaction despite the fact that the product was never delivered. At this point, I am being required to make payments for a product that I never received, and both companies are refusing to resolve the issue. I am requesting that the charges be canceled and a full refund be issued, as this is a clear case of goods not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
XX/XX/year> I am formally disputing the accuracy of a collection account reported on my credit file. Account Name : National Credit Systems Reported Balance : {$5900.00} This account is being reported with an increasing balance over time, which raises serious concerns about its accuracy and compliance. I have not received proper validation of this debt, nor documentation showing how this balance was calculated or why it continues to increase. Under the Fair Credit Reporting Act ( FCRA 611 ) and the Fair Debt Collection Practices Act ( FDCPA 809 ), I am requesting full verification of this account, including : Complete payment and charge breakdown Documentation supporting any added fees or increases Proof of legal authorization to collect this debt If this information can not be verified, this account must be deleted immediately from my credit report. Please investigate this matter and provide written results within the required timeframe. This letter also serves as notice that I am disputing this debt in its entirety. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
My capital one account is restricted, and I am stuck in a loop trying to verify my identity however I am currently laid off so my income doesnt line up within my past two bank statements and they are closing my case without reaching out to me over and over again. I need this card to be working and they have given me no other way to verify and often hang up on me, lie and say that everything should go through fine this time, some of their call center folks are incredibly rude or refuse to let me speak to their supervisor. This has become beyond ridiculous and they have wasted my time and tested my patience consistently

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
someone used my info to open a Synchrony Amazon XXXX Card without my consent. i did not realize this until i received an email from Synchrony bank saying my XXXX Card balance is over {$5000.00}.

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 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: B9, Inc.
State: NY

Complaint narrative:
On or around XX/XX/year>, I began noticing duplicate pending authorization holds from XXXXXXXX XXXX on my account with B9. These holds were for transactions that had already fully posted, and they reduced my available balance. Between XX/XX/XXXX and XXXX, multiple pending holds appeared for similar amounts corresponding to my XXXX XXXX orders. The posted charges were processed correctly, but the duplicate authorization holds remained pending. I contacted XXXXXXXX XXXX support, and they confirmed that the authorization holds had been voided/released on their end. I then contacted B9 multiple times through chat support to request that the pending holds be released and my available balance restored. I asked for confirmation of which holds were active, an explanation for why the funds had not been returned, and for the issue to be escalated. B9 representatives repeatedly told me to wait for the transactions to fall off and stated that pending transactions could remain until XXXX. At one point, I requested escalation and was told that a manager would contact me, but I did not receive any follow-up. Some representatives also stated they could not see certain pending transactions that were still visible in my account, even though my available balance remained reduced. As of XX/XX/year>, approximately one month later, the pending authorization holds are still not fully resolved and my funds have not been fully restored. I am seeking a full review of these transactions, release of any remaining held funds, and an explanation for why these authorization holds remained after the merchant confirmed they were released.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: CA

Complaint narrative:
My auto loan with Westlake Financial Services has been paid in full, but the lien has not been properly released. Their system shows the title is pending due to missing address, even though the address is on file. Because of this failure, the vehicle has been held at a storage/tow facility since XX/XX/year>, and storage fees continue to accrue daily. We have made multiple attempts over several months to resolve this issue by contacting Westlake. Each time, we are either placed on hold for hours without resolution, disconnected, or given incorrect assistance. In one instance, a representative repeatedly entered the wrong email address and failed to send the required release documentation to the storage facility. We have also been unable to reach a supervisor or escalation department. The storage facility has refused to release the vehicle without direct lienholder confirmation or an official lien release, which Westlake has failed to provide. This delay is entirely due to Westlakes inaction and internal error, and it is causing ongoing financial harm due to accumulating storage fees. There is also a risk of lien sale or loss of the vehicle if this is not resolved promptly. We are requesting that Westlake Financial Services : Immediately release the lien and complete title processing, and Send direct written authorization to the storage facility confirming the lien is satisfied and the vehicle may be released, and Address the damages caused by their delay, including the accumulation of storage fees. We need this resolved urgently to prevent further financial loss and potential loss of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: American Financial Resources, Inc.
State: TX

Complaint narrative:
* * Subject : * * Supplemental Complaint XXXX Lied in CFPB Response # XXXXXXXX XXXX XXXX XXXX Also Engaged in Bad Faith Responses I am filing this * * supplement * * to CFPB case * * XXXX * *. American Financial Resources ( AFR / eLEND ) submitted * * false and misleading statements * * in their XX/XX/XXXX response. Specifically : - They claimed a {$62000.00} contractual assessment/penalty against the builder. * * False. * * The signed OTC Acknowledgement Agreement contains * * no such penalty provision * *. The contract only allows additional interest to be charged to the builder at XXXX XXXX XXXX XXXX daily * * on the drawn balance for approved extensions. AFR was contractually required to assess that interest monthly, not invent a lump-sum penalty after the fact. - They admitted securitizing the loan into XXXX on XX/XX/XXXX, when only the fifth draw had been made and construction was nowhere near complete. This violates VA rules requiring a clean final compliance inspection before the guaranty certificate is issued ( inspection did not occur until XX/XX/XXXX ). The current servicer, * * XXXXXXXX XXXX * *, has an * * open CFPB complaint * * on this same loan. In response to that complaint, XXXX stated my claims were meritless and then sent a * * duplicate response * * instead of a substantive reply. This improperly securitized VA construction loan has now passed through three servicers. XXXX is currently pursuing foreclosure with a * * {$110000.00} default * * while the home has * * {$260000.00} in documented defects * * and disputed escrow/reserve funds remain unresolved. We have already filed two complaints with the XXXX XXXXXXXX, contacted the XXXX XXXXXXXX XXXX XXXX multiple times, and there is an active XXXX XXXX plus an FDIC referral to the OCC regarding the XXXX portion. * * Requested relief : * * - Full investigation of AFR for submitting false information to the CFPB - Investigation of Rocket Mortgage for bad-faith and duplicative responses - Referral to the XXXX XXXXXXXX for improper securitization and abuse of the VA guaranty - Immediate hold on all foreclosure activity pending full accounting of reserves and escrow * * Attachments : * * - AFRs XX/XX/XXXX false CFPB response XXXX XXXX XXXX meritless and duplicate responses - Signed XXXX Acknowledgement Agreement ( no penalty clause ) - Closing Disclosure - Defect report ( $ XXXX ) This is clear lender and servicer misconduct involving false statements to a federal agency. XXXX XXXX Loan # XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Attachment upload is inoperative. Please contact for attachments

Company response to consumer: Closed with explanation