vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-19 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: MI

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, my checking account with Chime was used for a large number of unauthorized transactions, including ATM withdrawals and merchant charges. The unauthorized activity includes repeated ATM withdrawals ( ranging from approximately {$20.00} to {$200.00} per transaction ) and numerous debit card purchases at various merchants. The pattern shows continuous activity over multiple days, including multiple transactions within short timeframes, which is inconsistent with my normal account usage. I did not authorize any of these transactions. My card and/or account information was compromised. I reported the unauthorized activity to Chime as soon as I became aware of it and filed a dispute covering all fraudulent transactions. However, Chime split my dispute into three separate claims ( ATM withdrawals and separate transaction groups ), instead of reviewing the full pattern of fraud across my account. Chime denied my claims and only provided a generic explanation stating that they reviewed account activity such as login history and device data. They did not provide any specific evidence showing that I authorized these transactions. ATM withdrawals do not prove authorization, as PINs can be compromised through fraud. The volume, frequency, and pattern of these transactions clearly indicate unauthorized use. I requested documentation and details of their investigation, but they did not provide the specific evidence used to deny my claim. I am requesting a full reinvestigation of all unauthorized transactions as a single fraud case and a refund of all unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 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: Zip Co US Inc.
State: OR

Complaint narrative:
My identity has been stolen, and an account was fraudulently opened in my name with Zip Co Us on Sunday, XX/XX/XXXX, at XXXX AM, where a XXXX gift card was financed for {$220.00} and a XXXX pharmacy gift card was financed for {$54.00}. I have reached out to Zip Co Us, who confirmed that the account would be blocked and sent to their internal team for review. I have continued receiving emails about missed payments for these XXXX financed gift cards. I have reached out to Zip Co US XXXX times by phone and XXXX by email, and this issue remains unresolved. My concern is that these missed payments will go into collections and negatively impact my XXXX XXXX. Their customer service representatives continue to brush me off, saying that it is under review with their internal team and they will reach out to me. I have never heard back from anyone at this company regarding this fraudulent account, and a XXXX is never available when I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: NY

Complaint narrative:
Servicer did not offer loss mitigation options -- XXXX Selene Finance acquired my loan through what appears to be a Fannie Mae XXXX XXXX. Despite FHFA requirements and CFPB Regulation X early intervention requirements, Selene never contacted me to offer any loss mitigation options no modification, no short sale, no deed-in-lieu before filing a foreclosure action

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Ava Finance, Inc
State: TX

Complaint narrative:
I am writing to dispute the reporting of late payments on my account, referenced below. I WAS NEVER LATE ON THIS ACCOUNTS! Please provide documentation that clearly supports your claim that I was late, including any transactions that would indicate such. If you are unable to provide this documentation, I kindly request that you immediately delete these alleged late payments from my credit report and update the account status to " paid as agreed. '' AVA XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
On XXXX XXXX, 2026, I processed a payment of {$10000.00}, to my business through my PayPal business account for contracted transportation services that had already been completed. Shortly after the payment was processed/received, PayPal placed the funds under a hold and stated that the transaction required additional verification. Between XX/XX/XXXX and XX/XX/year>, I submitted every document PayPal requested, including : Documentation verifying my business and the nature of the services provided A copy of the signed contract between my business and the client who was billed The invoice issued to the client Proof that the services were completed as described On XXXX XXXX, 2026, PayPal confirmed that all documents were received. However, instead of releasing the funds, PayPal updated the account to show that the money would remain on hold until XXXX XXXX, 2026. No specific or legitimate reason was provided for the extended hold. The only explanation given was a vague claim that the transaction may involve risk. From XX/XX/XXXX through XX/XX/year>, I contacted PayPal multiple times by phone and through their messaging system to request clarification and to ask for a review of the hold. During these interactions : Representatives repeatedly stated they could not provide additional information No one could explain what risk PayPal believed existed No steps were offered that I could take to resolve the issue sooner When I asked for escalation to a supervisor, I was told no supervisor was available When I requested a written explanation for the hold, the representatives refused On XX/XX/year>, I contacted PayPal again and was told that despite all documents being submitted and verified, the funds would remain held until XX/XX/year>, and that no further review would be conducted. This hold is directly affecting my business operations, including cash flow needed for ongoing services and obligations. PayPal has not provided a valid reason for withholding the funds, nor have they offered any path to resolution despite multiple attempts on my part to comply with their requests and obtain answers. I am requesting the XXXX XXXX XXXX XXXX assistance in : XXXX. Requiring PayPal to provide a clear and legitimate explanation for the hold XXXX. Reviewing whether XXXX actions comply with federal regulations XXXX. Releasing the funds sooner, given that all verification requirements have been met and no valid justification has been provided

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-19 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
" I closed my Amex XXXX card in error on XX/XX/XXXX. I called back on XX/XX/XXXX ( within 30 days ) to request a Voluntary Reinstatement and offered to pay the annual fee. Agent XXXX XXXX in XXXX, XXXX XXXX refused to reinstate the account and stated I would lose my XXXXMembership Rewards points ( approx. {$1800.00} value ). I am requesting a one-time courtesy reinstatement of the account and restoration of my earned assets, consistent with the 90-day grace period Amex provides to residents in other states like XXXX XXXX under recent consumer protection laws. Furthermore, at the time of closure, I was not provided with the mandatory clear and conspicuous warning that closing the account would result in the immediate and permanent forfeiture of XXXX points worth {$1800.00} in accrued rewards value. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Account XXXX XXXXXXXX XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. if you believe you sent proper notification. please provide 'Certified Mail ' with receipt displaying my signature if not. please delete account XXXX XXXXXXXX as soon as possible from my report or i will have to take legal action

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 2026-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
AFFIDAVIT OF TRUTH & NOTICE OF DISPUTE I, XXXX XXXX, a natural person, hereby declare under penalty of perjury that the following statements are true, correct, and made in good faith : XXXX. I am disputing the following accounts reported on my consumer report as inaccurate, unverified, and/or misleading : -Bank of America XXXX XXXX {$1300.00} ( XXXX Account ) XXXX. These accounts contain inconsistencies including, but not limited XXXX : - Multiple reporting entities for the same alleged debt - Conflicting account statuses and dates - Lack of verified contractual obligation - Incomplete or missing original creditor documentation XXXX. I have not been provided with any verified contract, signed agreement, or lawful evidence proving I am obligated to pay these alleged debts as currently reported. XXXX. Pursuant to the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), I formally demand : - A copy of the original signed contract or application - Full accounting of the alleged debts - Proof of chain of title and lawful assignment for any debt buyers - Documentation validating the accuracy of all reported information XXXX. Under XXXX XXXX. XXXX ( a ), you are required XXXX conduct a reasonable reinvestigation of disputed information. XXXX. Under XXXX XXXX. XXXX ( FDCPA ), I request full validation of these debts. Until validation is provided, all collection activity must cease. XXXX. I invoke my rights under XXXX v. XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), which requires furnishers XXXX conduct a meaningful investigation. XXXX. Additionally, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) confirms that credit bureaus must go beyond superficial verification. XXXX. The reporting of duplicate or misleading accounts ( original creditor + debt buyer ) without proper validation XXXX constitute inaccurate reporting under the FCRA. XXXX. Failure XXXX provide proper verification within XXXX days requires immediate deletion of the disputed accounts. XXXX. Continued reporting of unverified or inaccurate information constitutes willful noncompliance under XXXX XXXX. XXXX, making you liable for damages. XXXX. This affidavit serves as formal legal notice. Any failure XXXX XXXX will result in escalation, including complaints filed with the Consumer Financial Protection Bureau and legal action if necessary. NOTICE XXXX XXXX IS NOTICE XXXX XXXX NOTICE XXXX PRINCIPAL IS NOTICE XXXX XXXX Executed on this XXXX day XXXX XXXX, XXXX. __________________________ XXXX XXXX XXXX XXXX XXXX XXXX, RI 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 2026-04-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
AFFIDAVIT OF TRUTH & NOTICE OF DISPUTE I, XXXX XXXX, a natural person, hereby declare under penalty of perjury that the following statements are true, correct, and made in good faith : 1. I am disputing the following accounts reported on my consumer report as inaccurate, unverified, and/or misleading : WFBNA AUTO- {$55000.00} ( XXXX ) account number 2. These accounts contain inconsistencies including, but not limited to : - Multiple reporting entities for the same alleged debt - Conflicting account statuses and dates - Lack of verified contractual obligation - Incomplete or missing original creditor documentation 3. I have not been provided with any verified contract, signed agreement, or lawful evidence proving I am obligated to pay these alleged debts as currently reported. 4. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I formally demand : - A copy of the original signed contract or application - Full accounting of the alleged debts - Proof of chain of title and lawful assignment for any debt buyers - Documentation validating the accuracy of all reported information 5. Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of disputed information. 6. Under 15 U.S.C. 1692g ( FDCPA ), I request full validation of these debts. Until validation is provided, all collection activity must cease. 7. I invoke my rights under Gorman v. Wolpoff & Abramson, LLP, 584 F.3d 1147 ( 9th Cir. 2009 ), which requires furnishers to conduct a meaningful investigation. 8. Additionally, Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) confirms that credit bureaus must go beyond superficial verification. 9. The reporting of duplicate or misleading accounts ( original creditor + debt buyer ) without proper validation may constitute inaccurate reporting under the FCRA. 10. Failure to provide proper verification within 30 days requires immediate deletion of the disputed accounts. 11. Continued reporting of unverified or inaccurate information constitutes willful noncompliance under 15 U.S.C. 1681n, making you liable for damages. 12. This affidavit serves as formal legal notice. Any failure to comply will result in escalation, including complaints filed with the Consumer Financial Protection Bureau and legal action if necessary. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Executed on this XXXX day of XXXX, 2026. __________________________ XXXX XXXX XXXX XXXX XXXX XXXX, RI 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 2026-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CarMax, Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as XXXX - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that this company has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have a credit card will Wells Fargo I owe them little over {$150.00} XXXX paid them the final amount on XXXX XXXX XXXX 2026. I just received my check and was in the process of transferring it to my savings account. All my accounts or on my phone. I mistakenly sent the {$4000.00} to my well Fargo credit card. I call them immediately asking for a reversal because I owe nothing on that account. I was told I have to wait XXXX business days which is XXXX weeks. I call beg them to reverse it because I owe nothing on my credit card and the money is to pay my bills immediately. Wells Fargo refuses to refund me my money. I dont owe on the account why well Fargo refuse to give me my {$4000.00} immediately.

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 2026-04-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I made a one time purchase in the amount of XXXX at an online grocery store on XXXX XXXX, 2026. I used my debit card to purchase the order. The transaction posted on XX/XX/year>. However, upon checking my bank statement online, I see another purchase for the same amount and same merchant on XX/XX/year>. I immediately called my bank to dispute the duplicate charge and the representative said it was not a duplicate charge it was an actual additional charge and said id be responsible for the charge and told me to call the merchant and that all the bank can do for me is issue me another debit card via mail but they will not reimburse the charge which i think is unfair seeing as how the bank claims that they do not charge the customer for unauthorized purchases. I did contact the merchant and theyve confirmed that there is only one order that was processed the original order i placed on XXXX XXXX, 2026. I dont know why my bank is charging me twice for the same order. I keep my debit cards locked when im not using them and ive not added any users to my account so i believe the bank is doing something wrong and i should not be charged twice for one transaction. Furthermore, ive had security issues with my bank where someone accessed my account and changed my password. That happened on XXXX XXXX, 2026. I just dont know what to do anymore. I dont trust this bank but i dont know if i can open a different account with a different bank because ive placed a freeze and fraud alert with the credit bureaus. Ive also filed a police report regarding this matter. Im just really anxious and worried if this bank continues to rob me to the point where i cant pay my rent or buy food i will become desolate. My only source of income is XXXX and im barely surviving off that i cant afford for banks to overcharge me for things. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I am writing to formally document an incident that occurred during a scheduled notary appointment at Bank of America. My name is XXXX XXXX and I had a confirmed notary appointment at Bank of America with XXXX XXXX on XXXX at approximately XXXX AM at XXXX XXXX XXXX XXXX, XXXX, AR. During this interaction, the notary asked multiple questions unrelated to notary services, including whether my home is paid off, which property is paid off, which property we have a mortgage on, and details about a vehicle, including why it was being sold. He somehow knew the address of my home that is paid off. He knew things about my homes I own that was very unsettling. I absentmindedly answered his questions. These questions involved my personal assets and were not relevant to the purpose of the appointment. The appointment was to transfer a truck title to a friend in Hawaii. Our notary appointment had nothing to do with our houses. After I left and talked with my wife we came to the conclusion that this was odd behavior and the notary knew information about us he shouldn't since our paid off house is not connected to Bank of America. This was concerning given the access bank employees have to customer information.The notary did not complete the service because he said there was missing information I needed to get. Following the appointment, I received a notification stating that I did not show up to this notary appointment, which is inaccurate. Due to the nature of the questions regarding our assets, I am requesting this be reviewed as a potential privacy and security concern. We are concerned because of the growing title fraud and the notary has access to our personal information as well as knew things and asked questions that were inappropriate. He never tried to sell me a product which concludes this was suspicious behavior. This complaint is to formally document that : I was present for the scheduled appointment the notary asked questions regarding my personal assets unrelated to notary services the appointment was inaccurately recorded as a no-show I called Bank of America and they did not seem to be alarmed at all and just said they will document I went to the branch for that appointment, nothing else. This documentation is important to us in the event of any future issues involving our personal information. Thank you for your prompt attention to this matter. Sincerely, 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 2026-04-19 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: Chime Financial Inc
State: TX

Complaint narrative:
I requested a debit card from Chime but was instead issued a XXXX XXXX card without my informed consent, which has already affected my credit score. This account was reported to my credit file. I did not authorize this credit account. Chime would not work with me to remove the account ; instead, they are insisting it was reported accurately when I already told them I did not authorize it and do not want it and want it removed. I never filled any form or was provided an agreement for the credit card. It has negatively impacted my credit. I am requesting correction and removal of this account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
I am filing a complaint against XXXX Bank after Mosaic filed for Chapter XXXX bankruptcy. On XXXX/26, I contacted both Mosaic and Solar Servicing about a defective solar system. Solar Servicing, acting on behalf of XXXX Bank, denied any obligation to repair, as my contractual agreement was with Mosaic. My warranty agreement is not being abided by. Under the FTC Holder Rule ( 16 CFR 433 ), I have the right to assert all defenses against the lender. Under UCC 2-608, I can revoke acceptance of defective goods. And the Texas XXXX grants me a private right of action for deceptive practices. XXXX Bank must either discharge the loan or repair the solar system. I expect a resolution within 30 days of this filing. I request that the CFPB investigate and enforce a fair remedy.

Company response to consumer: Closed with explanation