vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-24 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> Re : Formal Credit Report Dispute LVNV Funding LLC Account To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the following account currently listed on my credit report : Creditor : LVNV Funding LLC Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Account Type : Factoring Company Account Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I respectfully request that your agency conduct a thorough investigation into this account, as the information being reported appears to be inaccurate, incomplete, and/or unverifiable. Specifically, I request verification and documentation regarding the following : * A complete accounting and itemization of the alleged debt * Documentation establishing that LVNV Funding LLC has legal ownership of, and authority to collect on, this account * Copies of any agreements or documents bearing my signature that demonstrate my obligation for this debt * Verification of the reported account details, including the date opened, current balance, and payment status * Confirmation that the account is being reported within the applicable reporting period permitted under the FCRA Should your investigation be unable to verify the accuracy and legality of this information, I respectfully request that the account be removed from my credit report immediately. Please provide written confirmation of the results of your investigation, along with copies of any documentation relied upon in verifying this account. Thank you for your prompt attention and cooperation regarding this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/XXXX I initiated a Lease with XXXX XXXX XXXX Chase ( account number -> XXXX ) and made payments as per our agreement. Vehicle had a commercial auto insurance policy as it was registered under my XXXX. On XX/XX/XXXX the vehicle, with myself as the driver, was involved in an accident ( not at fault ) where another vehicle ran a stop sign and collided into my vehicle. After being towed to a repair shop per XXXX ( insurance carrier ) and after a short time of evaluation, it was declared a Total Loss. XXXX stated they would pay a fixed amount which left a balance of approximately $ XXXX which would be paid via the Gap insurance which also happens to be Chase. Chase has so far refused to close the account and states they can not provide the title to XXXX and are therefore unable to close the account. I am being forced to continue making payments on a vehicle I have not had in my possession for several months. Every time I reach out to Chase, they tell me to call and will speak to me but refuse to provide me anything in writing. I even sent them a letter via Chase messaging and they responded by telling me to call them. I would really like this matter to be resolved as I have no vehicle and XXXX has said they have been ready to make payment but Chase continues to drag their feet. I am also concerned they are doing this to avoid providing the " gap insurance '' component by forcing me to make payments. I have called and written to Chase but they have never provided me anything in writing and upon my latest call last week, was still provided the same vague answer that once they have the title, they will move forward with nothing provided in writing. I am seeking clarification as well as potential pause on payments while this matter is addressed. Thank you Chase account # XXXX Vehicle VIN - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: MID FLORIDA FINANCING LLC
State: FL

Complaint narrative:
I was a victim of predatory lending by. ( MID FL FINCE ) Their loan terms were unfair and the reporting on my credit is inaccurate. Under the Fair Credit Reporting Act, 15 U.S.C. 1681 requires all credit reporting to-be fair, accurate, and verified. XXXX make credit bureaus and furnishers liable for reporting false or unverifiable information. I'm requesting an immediate reinvestigation and deletion of this account if it can not be fully verified with original documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I confirmed that the account does not belong to me, ,due to wrong spelling of my name. My name is XXXX XXXX. The account they have is XXXX XXXX. I do request for this account, and all paid accounts closed be removed from my credit report. By law 15 USC 1681. Thanks!

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 2026-05-24 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: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
I am again disputing the accuracy of these accounts because I was a victim of identity theft and fraud.I previously provided an Identity Theft Report, police report, and supporting documentation showing this account resulted from fraud. Despite this, the account continues to be reported as verified. Under the Fair Credit Reporting Act, you are required to conduct a reasonable investigation and block fraudulent information resulting from identity theft. Simply responding that the information was verified is insufficient when identity theft documentation has been provided. Please provide : * The method of verification used * The name and contact information of the party who verified the account * Copies of any documents bearing my signature * Any application, contract, IP logs, payment history, or records used to verify this account If you can not provide competent evidence that I authorized this account, it must be deleted immediately from all credit reporting agencies. Failure to comply may result in complaints filed with the Consumer Financial Protection Bureau, Federal Trade Commission, State Attorney General, and potential legal action for FCRA violations.

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 2026-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I opened a U.S. Bank Cash+ credit card on XX/XX/XXXX. The welcome bonus required {$1000.00} in spending within 90 days ( deadline XX/XX/XXXX ). My four statements show total spending of {$1000.00} by XX/XX/XXXX : XX/XX/XXXX statement : {$18.00} XX/XX/XXXX statement : {$98.00} XX/XX/XXXX statement : {$97.00} XX/XX/XXXX statement : {$780.00} My last {$70.00} purchase at XXXX was made on XX/XX/XXXX at XXXX XXXX PT ( before the deadline ), but posted on XX/XX/XXXX due to merchant processing delay. U.S. Bank denied the {$200.00} bonus because of this posting delay. I called and they submitted a request, but I received an email saying I did not meet requirements.

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 monetary relief
Consumer complaint received 2026-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I found a person on XXXX website who was selling tickets to a XXXX XXXX XXXX in XXXX for {$35.00}. They asked me to the send the money via Chime. Once I sent the money, the scammer stopped responding. I immediately called Chime customer service, as soon as they heard about the Scam that happened to me. I was quickly transferred to another service rep who blamed me that I should not be using Chime to send money for buying tickets. They said they will open a ticket and investigate and also asked me to request a refund from the scammer. Chime never sent me any email about any investigation being initiated from their side. They sent me an email today saying my request for refund has expired. My case was closed without any investigation by Chime and I got blamed by their service rep. I lost my money even when I notified them within an hour of getting scammed. This company needs to be investigated so other people dont lose money like me and also for being the preferred platform for illegal scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 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: CA

Complaint narrative:
I XXXX XXXX social security XXXX XXXX XXXX have been having trouble accessing the XXXX account for a while and im thinking i may have recieved a spoofed XXXX XXXX card and spoofed XXXX website access which is no longer in my possesion and may possibly still occurring. i registered a XXXX account with my social security number, my name XXXX XXXX, email address XXXX and a phone number ending XXXX i called to update the number and it appears it never went through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-24 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: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/2025 my cashapp account was banned after I accidentally put in the wrong identity info and when I tried to appeal and clarify it was an accident I was stonewalled and basically told they don't care

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am disputing a transaction on my XXXX credit card for an item I did not receive and did not sign for. The amount is {$60.00} The merchant claims the package was delivered and signed for. However, I never received the item and never provided a signature. The shipping label does not include my apartment/unit number, only the building address, making proper delivery to my unit unclear. The merchant initially communicated that the package was delayed on the day they claimed the status was delivered. The merchant provided a signature proof, scan but I did not sign for this package and when you scan the code nothing shows. The package was also claimed delivered in/at a mailbox, which contradicts the claim of a signature-required delivery. I contacted XXXX directly, and they confirmed that I was not the recipient of this package. Discover initially ruled in my favor, but later reversed the decision twice. During the second review, the merchant resubmitted the same evidence that had already been questioned during the initial dispute, despite unresolved concerns about the missing apartment number and mismatched shipping label address. I am requesting a full reinvestigation of the transaction, including verification of the actual proof of delivery and signature record, and confirmation of the exact delivery address used. I uploaded all the evidence possible such as emails from the merchants and inconsistencies with the dates and address provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Block, Inc.

Complaint narrative:
I am filing this urgent complaint against Square ( Block , Inc. ) due to severe credit card fraud, identity theft, and the company 's complete failure to respond to fraud alerts, which is allowing ongoing financial damage. I do NOT have a Square account, nor have I ever authorized any transactions with them. Despite this, my " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' ( ending in XXXX ) is currently being targeted by massive fraudulent charges initiated through Square 's platform under the merchant name " SQ * XXXX XXXX XXXX XXXX As documented in the attached screenshot : Multiple fraudulent charges of approximately {$3000.00} USD each ( ranging from XXXX to XXXX ) were attempted on XX/XX/XXXX and XX/XX/year>. While some transactions were declined, one major charge of XXXX ( {$3200.00} USD ) is currently " Vorgemerkt '' ( pending/authorized ) and threatening to clear. I immediately contacted Squares official fraud department via email to report this identity theft and stop the attacks. Square has completely ignored my urgent fraud report. They have failed to credit the unauthorized funds, failed to respond, and crucially, they have failed to stop the merchant from continuing to attempt further massive deductions from my card. Square 's lack of internal controls and failure to act on immediate fraud alerts is enabling criminal activity on their platform. :

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am filing this complaint because Citibank repeatedly locked my account without giving me a clear reason, preventing me from accessing my own money. I recently opened this account and had my direct deposit sent to it. The only activity on the account was paying normal bills and everyday expenses. Despite this, Citibank flagged my account, froze my funds, and told me I could not access my money for up to 10 days until I received a letter in the mail. This has caused serious financial hardship for me and my family. I have a XXXX son and a daughter who attends daycare, which costs me {$500.00} per week. Because Citibank locked my account, I have been unable to pay important bills and risk not being able to make it to work or pay for childcare. I depend on my direct deposit to support my family, and Citibank has given me no valid explanation for why my account was restricted. I contacted Citibank multiple times asking for help, but I was only told to wait for a letter and that there was nothing they could do. I believe it is unfair for a bank to hold someones money without properly explaining the reason or providing immediate access to legitimate funds from direct deposit. I am requesting that Citibank immediately review and remove the restriction on my account, release my funds, and provide a clear explanation for why my account was locked in the first place. I also want assurance that this will not continue happening in the fut

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 2026-05-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Please remove fraudulent items from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 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: Chime Financial Inc
State: PA

Complaint narrative:
I have a chime checking account and a chime credit builder account. There was an unauthorized transaction on my chime checking account which caused it to go negative. Chime would not investigate properly with XXXX XXXX XXXX XXXX after I filed claim on it and a dispute. I contacted XXXX XXXX and they refused to help. I asked chime if they would report it on my credit bureau report because it was the checking account and not the credit builder account as they said it will not be reported. They reported the incorrect negative balance on my chime checking account on my credit builder account on my credit burea reports when I do not owe the money, I never authorized the amount of the transaction, and they said they will not. I request compensation and for them to take off the stuff off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CarMax, Inc.
State: PA

Complaint narrative:
I am submitting this complaint regarding my account with CarMax Auto Finance ending in XXXX. Since opening this account in XX/XX/year>, I have maintained approximately 98 % on-time payments with only XXXX isolated XXXX late payment. The account is otherwise in good standing and significantly paid down. I requested a goodwill adjustment due to the negative impact this late payment is having on my mortgage/renting qualification. Although CarMax acknowledged my request, I received what appeared to be a generic denial response focused only on accurate reporting, despite me clearly stating that I was requesting discretionary goodwill consideration, not disputing accuracy. I am respectfully requesting a meaningful XXXX review and reconsideration of a one-time goodwill adjustment based on my strong payment history, long-standing account status, and mortgage-related hardship impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
XXXX'I paid off my vehicle loan with GM financial on XXXX I reached out in XXXX after not receiving my tittle. I was provided with a paid in full letter and advised to request a duplicate title with DMV. XXXXDMV was not able to process this request because my tittle had been released to a XXXX XXXX XXXX XXXX XXXX. XXXXI reach out to GM financial again and demanded assistance regarding this situation. GM financial mailed another letter and advised to go back to DMV, ensuring this would fix the issue. XXXXI went back to DMV as soon as I received the letter provided by GM financial but I was turned away again. I have reached out to GM financial multiple times but they just give me the runaround. Till this day I dont know why my title was sent to this unknown company out of state. I need to sell this vehicle and Im unable to do so due to the tittle status. \n\nGM FINANCIAL / GM FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: GA

Complaint narrative:
Some time ago cashapp closed my account and removed my ability to use the service. I havw tried multiple times to appeal yet my appeal keeps getting denied even though they havent provided any evidence I did anything wrong. I was a victim of identity theft and received notice that someone was using cashapp in my ssn, I filed a complaint with cashapp which they were able to confirm was fraud and closed the associated accounts however my personal account is still blocked. As such, my sponsored teen account is also unusable and she has pending funds she can not use because I can not sponsor her account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Dispute Appeal / CFPB Complaint regarding Case # XXXX I am writing to formally appeal Chases denial of my debit card dispute regarding a charge of the amount of {$280.00}. The automated system wrongfully closed this case because the merchant claimed they issued an e-gift card. I explicitly rejected this store voucher, and the balance remains completely untouched. This dispute concerns defective merchandise, hidden terms, and unfair business practices. On XX/XX/year>, I purchased items from this merchant. The items arrived in unmerchantable, substandard quality. Furthermore, the merchant failed to clearly disclose a hidden XXXX defect-reporting policy anywhere on the checkout page prior to my purchase. Actions taken by me and the company : XX/XX/year> : I shipped the defective items back to the merchant. XXXX confirms the merchant accepted the package back into their warehouse on XX/XX/year> shortly after. XX/XX/year> - XX/XX/year> : After a useless and unproductive back and forth dialogue with the merchant via the XXXX website, they refused to issue a cash refund to my checking account and instead forced an unwanted e-gift card on me, stating they had " exhausted all abilities. '' XX/XX/year> : First Dispute Denial : I filed a debit card dispute with Chase, which was promptly denied based on the merchant 's automated proof of the gift card. Second Dispute Denial : I requested that Chase re-open and resubmit the dispute. Chase denied my claim a second time. During this call, the Chase representative incorrectly informed me that XXXX XXXX rules and merchant policies " are kinda on the same level '' and stated that Chases hands were tied. The merchant is currently in possession of both the merchandise and my hard-earned cash, leaving my checking account short while forcing an unwanted store credit on me. Under the Electronic Fund Transfer Act ( EFTA ) and federal consumer protection guidelines, a bank must properly investigate transaction errors and merchant disputes involving faulty goods that have been returned. A merchant can not legally withhold a refund for defective goods they have already reclaimed. I request that a Chase representative manually review this file, reverse the automated denial, and return the funds to my checking account.

Company response to consumer: Closed with explanation