vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Westlake Services, LLC
State: IL

Complaint narrative:
My vehicle was repossessed in Illinois. Westlake Financial Services is refusing to issue a personal property release or provide access to retrieve my belongings. Personal property is not collateral under Illinois law. I requested escalation and was denied. I am requesting immediate access to retrieve my personal items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
The problem is that money was send from one account to another and the other account has a program called my XXXX XXXX so this money when to that chime account by mistake and cause that amount has a balance due they don't want to refund the money back to the other account that was sent by error and chime it's been completed annoying to the correct process and solutions they even treated you like XXXX not a good service terrible service

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: NJ

Complaint narrative:
On XX/XX/XXXX, I filed a dispute with chime because of my phone being stolen on a city bus and my online banking being accessed. My funds were stolen out of my bank account. I had no lock on my phone screen and my pin and passwords were in the notes on my phone. This being around XXXX time, made it very hard for my family this year. The next day. They denied my dispute. I would like this overlooked please because I am unfamiliar with all the transactions that i reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
Cashapp has an offer for XXXX XXXX for 50 % off up to {$35.00}. The only reason we went to XXXX XXXX that night was because of the offer. XXXX XXXX  even has multiple signs around their business that speak to the same offer. As I was sitting in XXXX XXXX the waitress was telling me about the offer as well and I told her I already activated it. I activated the offer 2-3 days before even going to XXXX XXXX, but I made sure it was there before I paid my bill. My transaction was pending so I figured I had to wait for it to be completed to see the corrected amount. The offer completed XX/XX/XXXX and didn't display the offer so I immediately started a chat with a representative who wasn't helpful at all. She stated the offer expired XX/XX/XXXX at XXXX and when I told her my transaction took place XX/XX/XXXX she then changed the expiration date to XX/XX/XXXX. When the offer was in my app on Saturday XX/XX/XXXX it said it didn't expire for 4 days, which is also consistent with the displays and the top golf website. After the chat rep was so unhelpful, I ended up calling in. I was left on hold for over 30 mins and then it went to a survey which I expressed my dissatisfaction. I called again and after going back and forth with 2 representatives and being denied to speak to a supervisor because I don't have email... I was left on hold again until it went to a survey, which has motivated my contact with the XXXX. This is frustrating and unacceptable behavior for any business. I didn't make this offer up and just wanted my {$35.00} to be adjusted accordingly, but was met with horrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hey my name is XXXX XXXX I cashed a check for {$15000.00} which is an inheritance from my grandmother that passed away the check was depositedXXXX XXXX and was supposed to be cleared XXXX XXXX XXXXXXXX, I still have not received my funds as of XX/XX/XXXX and they closed my account at Truist very fraudulent in my opinion. Its unethical and I will take legal action against everyone involved individually and the bank its illegal what theyre doing! Truist banking is embarrassing

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 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: OH

Complaint narrative:
Discover Card is reporting a paid account as a Charge-Off / Paid Charge Off with a {$0.00} balance. While the account is marked paid in full, it continues to be reported as a loss event, which is inaccurate and misleading. A charge-off represents a creditor loss ; once paid in full, continuing to report the account as a charge-off misrepresents the accounts true status and unfairly damages my credit. 

Additionally, the reporting contains conflicting information, including paid, paid charge-off, and charge-off simultaneously. This violates the Fair Credit Reporting Acts requirement that information be accurate, complete, and not misleading under 15 U.S.C. 1681s-2 ( a ). 

I am requesting that Discover either correct this account to accurately reflect a paid, non-derogatory status or remove it entirely. If Discover can not accurately report the account without misleading classifications, deletion is the appropriate remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: IN

Complaint narrative:
L Chime and XXXXXXXX XXXX have refused to properly handle my dispute for multiple unauthorized transactions from XXXX, even after I provided strong evidence and repeatedly followed up. 

On XX/XX/XXXX, Chime denied my original dispute by coding it as goods not received, even though the issue is that these XXXX  charges were unauthorized. The disputed transactions are : {$140.00} ( XXXX XXXX XXXXXXXX, XXXX XXXX ), {$1.00} ( XXXXXXXX XXXXXXXX XXXX XXXX  ), {$1.00} ( XXXX XXXX XXXX XXXX ), {$7.00} ( XXXXXXXX XXXX XXXX XXXX ), {$4.00} ( XXXXXXXX XXXXXXXX XXXX XXXX ), {$4.00} ( XXXXXXXX XXXX XXXX XXXX ), {$1.00} ( XXXXXXXX XXXXXXXX XXXX XXXX ), {$290.00} ( XXXXXXXX XXXX XXXX XXXX ), {$190.00} ( XXXXXXXX XXXXXXXX XXXX XXXX ), {$74.00} ( XXXX XXXX XXXX XXXX  ), and {$290.00} ( XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX ), for a total of {$1000.00}. [ 1 ] On XX/XX/XXXX, the merchant ( XXXX  ) emailed me stating that they found multiple duplicate accounts under my name, rejected my account verification, and permanently locked all accounts. This shows the transactions were not legitimate or authorized. On XX/XX/XXXX, I reopened the dispute with Chime and uploaded 37 files, including the merchants email, and was told my case would be recategorized from goods not received to unauthorized/fraudulent transaction within three business days and escalated. 

Since XX/XX/XXXX, I have repeatedly called Chime to ask for status, recategorization, and provisional credit under Regulation E. Each time I am told only that the dispute is still under review and that they have no updates or timeline. On XX/XX/XXXX, XXXX XXXX emailed me saying my complaint review could take up to 10 business days. As of Tuesday, XX/XX/XXXX ( 10 business days from XX/XX/XXXX, excluding XXXX ), there is still no recategorization, no provisional credit, and no written explanation or final decision. [ 2 ] [ 1 ] I am asking CFPB to require XXXXXXXX XXXX  and Chime to ( 1 ) treat these XXXX charges as unauthorized electronic fund transfers, ( 2 ) immediately provide provisional credit for the full disputed amount while they complete their investigation, and ( 3 ) provide a clear written explanation of their findings and why they failed to act within the 10businessday timeframe required by Regulation E. [ 3 ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
I am filing a complaint regarding a closed Fortiva credit card account that reflects a credit balance of {$92.00}. 

The account shows a {$0.00} balance due and no payment due, yet also reflects a negative statement balance, indicating an overpayment or credit balance. 

I contacted Fortiva customer service to request a credit balance refund, but representatives stated that nothing is owed to me and refused to process or explain the disposition of the negative balance. 

Fortiva has not provided documentation showing how the {$92.00} credit was applied, refunded, or otherwise resolved. I am requesting that Fortiva either : 1. Issue a refund of the {$92.00} credit balance, or 2. Provide written documentation showing where and how the credit balance was applied.

A negative balance on a closed credit card account represents consumer funds owed, and refusal to refund or account for it appears inconsistent with Regulation Z ( 12 CFR 1026.21 ) regarding credit balance refunds. 

I am requesting CFPB assistance to obtain a refund or a full accounting of the credit balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This account does not belong to me and has been incorrectly reported on my credit file ; the information shown is inaccurate and should be corrected.

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 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MN

Complaint narrative:
Summary of Complaint : I am disputing an alleged childcare debt that is inaccurate and not owed. I provided written notice to XXXX on XX/XX/XXXX that my childs last day of attendance would be XX/XX/XXXX, which satisfied the required notice period. XXXX was aware that XX/XX/XXXX was the final day of attendance. Despite this, XXXX continued to bill for dates after services had ended. 
After receiving billing statements reflecting charges after XX/XX/XXXX, I contacted XXXX on XX/XX/XXXX to request clarification and received no response. I later received communication from IC System indicating an attempt to collect debt and the account was still owned by XXXX. Based on that representation, I contacted XXXX again on XX/XX/XXXX. 
On XX/XX/XXXX, XXXX acknowledged the dispute and stated the account was under review, indicating that a resolution would be provided by XX/XX/XXXX. After no response, I followed up on XX/XX/XXXX. On XX/XX/XXXX, XXXX advised that system changes delayed resolution but stated the issue would be fixed by end of day XX/XX/XXXX. No resolution or written determination was ever provided. 
While this dispute remained unresolved, XXXX referred the account to IC System for collection. After I disputed the debt and requested validation, IC System provided only billing statements, which do not establish legal liability, justify post-service billing, or address my written withdrawal notice. 
Despite the unresolved dispute and lack of documentation establishing legal liability, IC System reported the account to consumer credit reporting agencies on XX/XX/XXXX. 
As a result of this reporting, my credit score dropped approximately XXXX points, from the XXXX to the XXXX, despite my timely dispute of the debt and while the matter remained under review.

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 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Im an XXXX XXXX service member stationed in XXXX XXXX lousiana, i got a credit card from navy federal and they deny my scra many times which lead to an high interest just because i didnt have that loan before XXXX XXXX not during the time am served

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: IN

Complaint narrative:
Company name : Block, Inc. / Cash App Product : Checking or payment account Issue : Trouble accessing account / identity verification problem What happened : My Cash App account is already verified, yet I am being instructed repeatedly to re-verify my identity in order to access the Borrow feature. The system will not allow me to re-verify because my account already shows as verified. 

Despite this, I am receiving warnings that my account may be restricted if my identity can not be verified. This is extremely concerning because this account receives my payroll deposits. Restricting my account due to an inability to re-verify an already verified identity would cause financial harm. 

I have followed all instructions multiple times and contacted support, but I continue to receive automated responses that do not address the actual issue. I am not refusing to verify my identity I am unable to re-submit verification because Cash Apps system does not allow it. 

I am requesting : A manual review of my account Correction of the identity verification system error Assurance that my account will not be restricted while this issue is under review Cash App support has not resolved this issue despite multiple attempts, and the risk of account restriction remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
CFPB Rebuttal I am submitting this rebuttal to document an additional unauthorized transaction on the fraudulent Synchronyissued PayPal Credit Card account. On XX/XX/year> at XXXX XXXX XXXX, Synchrony sent me an automated servicing alert for a {$140.00} PAYPAL PURCHASE, which I did not authorize. I have repeatedly stated that I only authorized a single transaction the {$90.00} XXXX XXXX XXXX payment and all other activity on this account is fraudulent. This new charge demonstrates that Synchrony continued allowing transactions on an account I did not open, did not provision to any device, and did not authorize for digitalwallet or PayPalbased purchases. Synchrony has not provided devicelevel authentication logs, provisioning records, or any evidence showing that I initiated or approved this transaction. Their own servicing email contradicts any claim that the account was secure or properly authenticated. I request that this unauthorized transaction be included in the investigation record and that Synchrony provide the required documentation under Regulation Z to substantiate any claim of authorization. 
For clarity, the only transactions I authorized during this period were ( 1 ) a {$90.00} XXXX XXXX XXXX payment and ( 2 ) a {$25.00} XXXX XXXX  XXXXpayment made on XX/XX/year> using my PayPal Balance not the Synchronyissued PayPal Credit Card. All other activity on the Synchrony account is fraudulent. This new {$140.00} charge demonstrates that Synchrony continued allowing transactions on an account I did not open, did not provision to any device, and did not authorize for digitalwallet or PayPalbased purchases.

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 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am filing this complaint regarding unauthorized transactions totaling approximately {$1800.00} on my accounts involving Wells Fargo and XXXX XXXX. I did not authorize, initiate, or approve these transactions. 

Between XX/XX/year> and XX/XX/year>, multiple unauthorized transactions appeared on my account ( s ). I did not make these transactions and did not give permission to any third party to access or use my accounts. 

I reported the unauthorized activity promptly to both Wells Fargo and XXXX XXXX. Wells Fargo has acknowledged that the dispute is ongoing, but several days have passed without a meaningful update. XXXX XXXX has not contacted me or provided any response regarding my report. 

I did not share my login credentials, card information, or authorization with anyone. The unauthorized transactions have caused financial harm, and the matter remains unresolved. 

I am requesting a full investigation, timely communication, reimbursement of the unauthorized funds, and corrective action to prevent further unauthorized activity.

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 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Solar Mosaic LLC
State: NY

Complaint narrative:
Summer 2024 purchase home which needed a new roof, solar company was offering purchase solar and will get new roof. Representative came over discuss how solar works and was told that initially monthly payments will be approx. XXXX XXXXXXXX at the end of the year tax refund will be a lot as solar has lot of refund and tax rebate. Once recived big refund approx {$3000.00} take the money and applied it towards the solar loan this will decrease the mnthly payments to approx. {$150.00} mnthly. I agree as my biweekly payment after taxes is about XXXX XXXX  {$1300.00} and I can not afford to pay {$450.00} mnthly for the rest of the loan term.

Tax refund was not a lot as I donot make a lot of money also like representative said and I was unable to applied it to decreased the payments that was a lie. I was told the tax refunds is made yrly. I got sick and fell back on payments and then could not afford to continue making payments and my loan was send to collection. I also noticed the loan has skyrocketed. Initially when I got sick just a little over 1 yr owing the solar panels I reached out to the solar company and also the loan company several times and they did it try to help resolve or lower my payments. Now my {$60000.00} is at {$70000.00}. Someone please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the account listed on my credit report under your companys name. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and, where applicable, the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). 
The investigation conducted regarding this account appears to be a sham and does not meet the standards required by federal law. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to conduct a reasonable and thorough investigation when a consumer disputes the accuracy of reported information. Merely verifying information against internal records without providing competent evidence does not constitute a reasonable investigation. 
To date, I have not been provided with : A copy of an original signed agreement or contract bearing my signature Proof that I owe the alleged debt Proof that your company has the legal authority to collect or report this account An itemized accounting of the alleged balance

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 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Marlette Funding, LLC
State: MD

Complaint narrative:
Being charge outrageous interest of 33.99 percent and in addition a monthly interest for making minimum payments and a monthly maintenance fee of XXXX. 
Three charges monthly, 2 for interest of balance, one for making minimum payment and third a monthly maintenance fee of XXXX Why am I penalized for making monthly minimal payments in addition to the outrageous interest rate of 33.99 % and why do I have to pay their monthly maintenance fee?

I have never been late on a payment!!!!!

This is their policy I was told.

Company response to consumer: Closed with explanation