vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc

Complaint narrative:
I started receiving emails from Chime bank in XXXX saying I have opened an account my card was in the post and now its up and running saying I have received payments.i did not open this account someone is using my name and email fraudulently, I emailed chime with no response, as a XXXX XXXX living in the XXXX I am not prepared to call Chime, would you please on my behalf get this fraudulent account closed with immediate effect and remove me from their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
Statement of Facts for Federal Review : Respondent Carrington Mortgage Services , LLC assessed an unauthorized, unearned corporate fee of {$12000.00} against my mortgage account history. This balance and structural modification were negotiated, authorized, and finalized by a Carrington employee named XXXX XXXX. Official XXXX XXXX XXXX XXXX ( XXXX ) consumer access registries confirm that XXXX XXXX held NO valid Mortgage Loan Originator ( MLO ) or servicing license for the State of Tennessee at the time she executed these financial changes. On XX/XX/year>, Carrington Supervisor XXXX XXXX sent a clear written communication explicitly admitting XXXX XXXX directly handled, managed, and negotiated this specific transaction. On XX/XX/year>, formal written " Notices of Error '' under Real Estate Settlement Procedures Act ( RESPA ) Regulation X ( 1024.35 ) were sent to corporate officers via USPS Certified Mail. Carrington took physical delivery of these demands but has maintained complete radio silence, failing to acknowledge or correct the account defect within statutory guidelines. On XX/XX/year>, Carrington transferred the underlying asset to XXXX XXXX while this material licensing defect, unauthorized fee balance, and formal dispute remained entirely unresolved. On XX/XX/year>, the Tennessee Department of Financial Institutions ( TDFI ) opened an active regulatory investigation into this matter ( Complaint Case ID : XXXX ), issuing an administrative mandate to Carringtons Executive Vice President and General Counsel demanding the full file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I was a victim of identity theft, and someone fraudulently opened multiple bank accounts using my personal information without my knowledge or authorization. As a result, several accounts were closed, which negatively affected my banking record and caused me to be reported to XXXX XXXX XXXX. Since discovering the fraud, I have worked to correct the situation by contacting the affected banks and resolving the fraudulent activity where possible. I have also submitted disputes and supporting documentation regarding the identity theft. I respectfully request that you review my case and remove the negative XXXX XXXX XXXX record related to these fraudulent accounts so that I may open a new bank account and continue rebuilding my financial standing.

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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: UPGRADE, INC.
State: VA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unfair credit reporting related to an account originally held with Upgrade, which has since been charged off and reportedly sold or transferred to a third-party collection agency. The account information currently being reported appears inaccurate, misleading, and potentially duplicative under the Fair Credit Reporting Act ( FCRA ). I respectfully request a full investigation into this matter and the removal of any inaccurate reporting from my consumer credit files. The concerns include : * The original creditor account was charged off and sold/transferred. * The balance and payment history may still be reporting inaccurately by the original creditor after the transfer. * There may be duplicate reporting between the original creditor and collection agency. * The account status and balances being reported do not appear consistent or properly updated. Under the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ), furnishers of information have a duty to provide accurate information to consumer reporting agencies. Additionally, pursuant to 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of information reported. I am requesting the following : 1. A complete investigation into the accuracy of this account reporting. 2. Verification of the legal ownership and balance of the alleged debt. 3. Removal of any inaccurate, misleading, outdated, or duplicate reporting related to this account. 4. Written documentation validating the debt and proving the authority to report it. If the account can not be fully verified according to the requirements of the FCRA, I request that it be deleted from all consumer reporting agencies immediately. Thank you for your attention to this matter. I expect this dispute to be investigated within the timeframe allowed under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: AL

Complaint narrative:
My Cash App account was closed in error. I have reviewed the Terms of Service and am not aware of any violations. I submitted an appeal in XXXX and followed up again, but I have not received a final determination or update since XXXX. I am requesting : 1. A status update on my appeal 2. A manual review of my account 3. Clarification regarding whether my account can be reinstated I am willing to verify my identity or provide any requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, and XXXX. Three payment were withdrawn from my account from Rocket Mortgage whom only applied 2 payments. Reversed my payment on XX/XX/XXXX but didn't reverse any funds nor application to my account there is {$1100.00} missing from my account from Rocket Mortgage that I would like applied to my 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 caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, while reviewing my XXXX account, I noticed that there is a 3rd. notice from Chase alerting me that my checking account, once again, has an " Insufficient Funds '' notification, in association with CFPB Complaint XXXX - XXXX. This complaint comes as a continuation of the recent reported complaint ending XXXX. Once again, my home office accounting records reports and is documented as having a surplus balance of {$390.00} for which having a minus amount is, in my opinion, not a correct accounting match, in comparison. While reviewing my XXXX Account, today, I noticed an email sent by Chase have listed ( 3 ) Overdraft fees associated with my XXXX ( XXXX XXXX XXXX XXXX ) loan installments, dated XX/XX/year>. This notice arriving so late, in my opinion, does not make any real sense. This email alone arriving in my inbox from this earlier date leaves me somewhat skeptical, due to the fact that I just received this email in such a late notice, in my opinion. Again, I am very confident that Chase Fraud Department is or have discovered this by now, and is working on this matter in their investigation into it. This new complaint lodged here, today, shall serve as a follow up incident report of me receiving new information on the matter for which I shall maintain and follow up with CFPB on every new incident involving my financial circumstance ( s ) with Chase. This New Complaint filed with CFPB is in no way attempting to supersede Chase Fraud Department 's investigation which I understand will take time to find out the truth about what is and has been occurring with my Chase Checking Account, and the ( 2 ) Federal Benefits being directly deposited on monthly basis. I am also confident that Chase Fraud Department will, very shortly, have some kind of resolution to this matter and following my accounting audit from ( 6 ) months prior to today. I have uploaded the following ( 2 ) evidence documents : 1. Chase Overdraft Email Sent XX/XX/year> ; 2. Chase ( 3rd ) Insufficient Funds Notice XX/XX/year>. End of report associated with CFPB XXXX - XXXX for additional incidents complained.

Company response to consumer: Closed with monetary relief
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:
XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Against Capital One Regarding Wrongful Dispute Denial To Whom It May Concern, I am submitting this formal complaint against Capital One for repeated violations of my consumer rights under the Fair Credit Billing Act ( FCBA ). Capital One has repeatedly and wrongfully denied a legitimate billing dispute regarding a {$600.00} charge, despite my providing clear and irrefutable evidence supporting my claim. The disputed transaction occurred on XX/XX/XXXX & XXXX with the merchant Veem/ vision goats for two {$300.00} transactions in the amount of {$600.00}. This charge constitutes a billing error under federal law because the merchant failed to deliver the services purchased. I repeatedly contacted Capital One customer service and uploaded explicit supporting evidence through their dispute portal, including communications with the merchant and documentation showing that the agreed-upon services were never completed. Specifically, XXXX XXXX failed to provide the contracted services. Under the agreement, 12 videos were promised ; however, only 1 video was ever delivered. The remaining services were never completed despite payment being made in full. Despite submitting this evidence, Capital One ignored the documentation and denied my dispute without providing a reasonable or legally compliant explanation. By refusing to properly review the evidence and continuing to hold me financially responsible for this billing error, Capital One has failed to meet its obligations under the Fair Credit Billing Act to conduct a proper investigation. I respectfully request that the Consumer Financial Protection Bureau intervene in this matter, require Capital One to fully review the attached documentation, and permanently credit my account for the disputed {$600.00} charge. Thank you for your attention to this matter. I look forward to a fair resolution. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was spontaneously notified after attempting to purchase a gift card at a garage sale via XXXX that my account was being reviewed. During a phone discussion to detail purposes for various XXXX transactions, various delays eventually ended with a statement to the effect of we are ending our banking relationship with you. I was told an internal review would follow before funds would be released to me. All balance was the result of money received from family, and in this specific instance I was depending on approximately half of my {$3600.00} balance to pay my rent next month. I am now being told to expect a 2-6 week timeline, with no means of recourse or action available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
In XX/XX/year>, I reviewed my credit report and discovered several debts listed from LVNV Funding that I do not recognize and do not believe are mine. I have not received any clear documentation or validation from LVNV regarding these accounts. I am requesting that these debts be validated with proper documentation, or, if LVNV can not provide proof that these debts are legitimately mine, that they be removed from my credit report. I have not knowingly opened any accounts with LVNV, nor have I received any detailed statements or explanations from their company prior to discovering these entries. Please investigate this matter and assist in resolving these inaccurate or unverified debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
I got my XXXX XXXX XXXX XXXX through a XXXXXXXX XXXX XXXX. I have been making all of my payments and they offered me a settlement to make four payments which were a little bit higher than my normal payments but then I would be done after those four. I made all the payments and on every time it gets to my last payment, they say it goes to my old lease for some reason and doesnt count. Also, every time this happens, I have to get a new settlement. They claim its a loop of never-ending payments. I spoke to them several times to try to fix this and they will not help me. I was also threatened that they will blacklist my phone if I stop making payments. I told them I will be calling the police.

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: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: MN

Complaint narrative:
XXXX XXXX Chief Risk Officer FORMAL NOTICE OF DISPUTE AND DEMAND FOR ACCOUNT ACCESS AND TOTAL REIMBURSEMENT FOR XXXX UNTIL CURRENT XXXX XXXX To the Legal Department : This letter serves as formal notice of an unresolved dispute regarding multiple accounts held with Chime Financial , Inc. between XXXX and the present. I am writing to demand immediate access to my account records and the reopening of my files to address persistent Account Takeover ( ATO ) issues and unauthorized transactions. 1. Failure to Provide Reasonable Investigation ( Regulation E Violation ) Under 12 C.F.R. 1005.11 ( Regulation E ), Chime is required to investigate claims of unauthorized electronic fund transfers. Your current positionthat I have only ever held one accountis factually incorrect and ignores my history as a long-term customer. By refusing to acknowledge my previous accounts and failing to provide documentation used in your investigation, you are in violation of the requirement to conduct a " reasonable investigation '' and to disclose the records relied upon for denial. 2. Demand for Immediate Action I demand that Chime perform the following actions within 10 business days of the receipt of this letter : Access Restoration : Provide me with a comprehensive list of all account numbers, opening dates, and closing dates associated with my name, Social Security Number, and current mailing address in XXXX XXXX, MN. Reopen Dispute Files : Reopen the investigations for all unauthorized transactions and ATO incidents occurring from XXXX through XX/XX/XXXX. Documentation Disclosure : Provide all internal documents, including merchant-provided evidence and fraud analysis reports, used to deny my previous disputes. 3. Regulatory Compliance If this matter is not resolved, I am prepared to escalate this to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for violations of the Electronic Fund Transfer Act and the Fair Credit Reporting Act ( Furnisher Rule ). Please note that I have already documented my previous attempts to resolve this via your member services line. 4. Contact Information Please correspond with me in writing at the address provided above. If you require verification of my identity, I am available to provide necessary documentation through a secure, verified channel of your choosing. This was an account takeover where my contact information was altered by a third party. I did not receive statements, alerts, or notifications because the perpetrator intentionally diverted them. Therefore, the 60-day reporting window for Regulation E does not apply, as I was legally and technically prevented from discovering the error. I am also dealing with XXXX, XXXX, XXXX, XXXX Chime, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX

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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclays bank is failing to deliver the advertised rewards ( the XXXX miles ) associated with the financial product ( my XXXX XXXX XXXX ) because of a backend technical error they refuse to fix. They setup the XXXX account with the wrong information and I haven't been able to access it for years. I am still earning points every month but can not access them. I have contacted Barclays and XXXX many times and they both point fingers at each other over who can fix it. I have submitted my ID and information several times and nothing ever happens. This has been an ongoing problem for years and I would like to access my account and use my points. I have lost out on my status benefits for years now as well every time I fly.

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: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: FC HoldCo LLC
State: IN

Complaint narrative:
please remove the entire account because this account is not mine.

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: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
To whom it may concern. I am formally disputing the reporting and collection activity regarding the below referenced auto loan account. Under 15 U.S.C 1605 of the Truth in lending Act. Creditors are required to accurately disclose all finance charges, fees, interest, and cost associated with a consumer credit transaction. I believe the account contains inaccurate and/or improperly disclosed charges, including unauthorized fees and incorrect balance calculations. Additionally pursuant to the Fair Credit Reporting Act, 15 U.S.C 1681s-2 furnished of information have a duty to report accurate information to consumer reports agencies. I requested.1 Validation of the complete accounting of the alleged debt.XXXX documentation showing lawful disclosure of all finance charges and fees. XXXX No down payment needed, Corrections or deletetion of any inaccurate reports from all consumer reports agencies.Under 12 U.S.C 412 and 12 CFR 1026.2 ( a ) ( 17 ). Which defines as a person who regularly extends consumer payable by agreement in More than XXXX installment or for which a finance charge is or may be required, I am requesting that you provide proper verification that you are the authority to collect on it. Please provide the following, Full validation of the alleged debt including the original signed agreement, the name and address of the original creditor. A complete payment history and accounting of the amount claim. Proof that you have the legal rights to collect this debt, verification that the debt is accurate and belongs to me, Under 15 U.S.C 1615 REPAY DEBT, prepaid and repaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: IN

Complaint narrative:
There is a amount of {$430.00} thats not mine and I would like that removed and the late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: CA

Complaint narrative:
I got a loan because I had no choice I needed it and my original loan amount was XXXX I have been mak8ng my payments and I now owe XXXX with a about interest rate of XXXX I was having a hard time and needed money this loan is going up putting me in worse financial status there is no way I will or can pay that much when I only borrowed XXXX I thought it would be a reasonable rate to borrow XXXX but this is crazy I thought it was going to help me but it made it worse

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: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
I experienced issues during the handling of my mortgage/home purchase transaction involving XXXX XXXX and the XXXX XXXX XXXX XXXX, XXXX. Approximately {$4000.00} was used toward a buydown despite me clearly stating that I did not want my funds used for that purpose. I communicated my concerns before closing, but the funds were still applied without my authorization or approval. In addition, the estoppel information was not properly included, and the correct paperwork was not filed accurately or in a timely manner. These errors caused delays, confusion, and unnecessary stress throughout the transaction process. I attempted to address these concerns with the companies involved, but the issues were not properly resolved. I am requesting a full review of the transaction, correction of any filing or documentation errors, and an explanation regarding the unauthorized use of the approximately {$4000.00} toward the buydown. I have text and emails showing I did not want that money to go towards a buy down.

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