vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Accounts showing past due, charged off and brought by a third party. I dont have any knowledge of these accounts

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 2026-04-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Embassy Loans
State: FL

Complaint narrative:
I am filing a complaint regarding Embassy Loan and the repossession and sale of my vehicle, a XXXX XXXX XXXXXXXX XXXX. I fully owned this vehicle, having paid approximately {$65000.00} before taking out a title loan with a remaining balance of about {$5000.00}. The vehicle had under XXXX miles and was in overall good condition. The only issue was a XXXX control module, which temporarily prevented the vehicle from starting. This was a minor, repairable issue that I was actively in the process of fixing, and once repaired the vehicle would have been fully operational. Embassy Loan repossessed my vehicle and sold it for under {$6000.00}. This is a grossly undervalued price. Even in poor condition, this type of vehicle has an estimated value of around {$30000.00} based on industry standards such as XXXX XXXX XXXX. I did not receive any notice of the sale. I did not receive any mail, email, or phone communication prior to the sale, which deprived me of the opportunity to redeem my vehicle or protect my interest. After the sale, Embassy Loan is now claiming that I owe a remaining balance ( deficiency ), which I dispute in full. The sale was conducted in a commercially unreasonable manner and at a significantly undervalued price. I sent a formal written dispute requesting documentation and resolution, and I also contacted the company directly. I was told I would receive a response by email, but I have not received anything. I am seeking removal of the alleged deficiency balance, full documentation of the repossession and sale, and compensation for the difference between the vehicles fair market value and the amount it was sold for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: IN

Complaint narrative:
I am filing a complaint regarding a suspected fraudulent transaction attempt involving my debit card. On XX/XX/year>, a {$990.00} transaction was attempted through XXXX XXXX under the name XXXX XXXX. This transaction was declined due to insufficient funds ; however, I did not authorize this transaction, and the individual listed confirmed they did not initiate it. This indicates that my debit card information may have been compromised and used without my consent. I have requested that my financial institution secure my account, block my card, and investigate this activity. However, due to the seriousness of potential fraud, I am requesting additional oversight to ensure this matter is handled properly. I am seeking : Confirmation that my account is fully secured A complete fraud investigation into this transaction Assurance that my card is not linked to any unauthorized third-party accounts Protection against any future unauthorized attempts This situation has caused significant concern regarding the security of my financial information, and I request prompt resolution this is the email I sent to Bank Court Chime & XXXX XXXX To Whom It May Concern, I am writing to formally report and escalate an unauthorized transaction attempt involving my account. On XX/XX/year>, a transaction in the amount of {$990.00} was attempted through XXXX XXXX under the name XXXX XXXX. This transaction was declined due to insufficient funds ; however, I did not authorize this transaction, nor did the individual listed request it. This raises serious concerns that my debit card and/or account information has been compromised and is being used fraudulently. I am requesting the following immediate actions : Block and permanently disable my current debit card to prevent further unauthorized attempts Issue a replacement card with new credentials Conduct a full fraud investigation into this transaction and any related activity Confirm whether my card has been linked to any external XXXX XXXX or third-party accounts without my authorization Provide written confirmation that my account is secured and no additional unauthorized transactions are pending or in process Given the nature of this incident, I expect prompt attention and resolution. Please treat this matter as urgent, as any further unauthorized activity will result in additional escalation, including formal complaints with regulatory agencies and potential legal action if necessary. I appreciate your immediate response and confirmation of the steps being taken to secure my account. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I am filing a complaint regarding a promotional bonus offered by Chime that has not been paid despite meeting all stated requirements. I opened my Chime account on [ DATE ] through a promotional offer advertising a bonus of up to {$350.00}. I completed the required actions to receive the first and second incentive of {$100.00} each, including qualifying direct deposits of {$200.00} on XX/XX/year> XX/XX/year>. I have contacted Chime support multiple times through both chat and phone. Each time I was told by their representatives that I am eligible for the promotional bonus. However, I have not received the bonus and I have not received any follow up from the specialist team I was told would contact me. Instead, I have been repeatedly transferred between support channels without any resolution. I have met the promotional requirements and have been explicitly told by multiple representatives that I am eligible, yet Chime has failed to issue the bonus or provide a clear explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NV

Complaint narrative:
I transferred XXXX from my bank to Cash App and it was withdrawn from my account to Cash App Cash App said it was insufficient the money was removed to cash app but I never received it I went back and forth with Cash App and the bank with no resolve I lost that money my account was closed and I was evicted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Consumer Financial Services Solutions, Inc.
State: MI

Complaint narrative:
Dear Beyond Finance, I am writing in response to your recent email confirming the cancellation of my enrollment in your program. While you state that any remaining funds will be refunded after deducting fees, I am formally disputing any such deductions and demanding the full refund of {$540.00} that I paid into your program. To date, only {$52.00} has been applied toward any legitimate debt resolution, leaving the vast majority of my funds unaccounted for and unused for their intended purpose. This constitutes a clear failure to properly allocate funds as agreed and raises serious concerns regarding misappropriation and breach of contract. Your attempt to deduct additional fees after failing to deliver the promised service is unacceptable and will not be authorized. I expect : A full refund of {$540.00} No further fees or deductions applied Written confirmation that the refund is being processed immediately If this matter is not resolved within XXXX business days, I am prepared to escalate this issue through all available channels, including formal complaints with regulatory agencies and potential legal action to recover my funds. This letter serves as a final opportunity to resolve this matter promptly and professionally. I expect your immediate response confirming compliance. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I am filing a complaint against SoFi Bank regarding their handling of a fraud dispute involving XXXX transactions. I was the victim of a scam in which an individual misrepresented themselves as a legitimate business. The seller made false claims regarding their business operations, location, and trademark status. Based on these misrepresentations, I sent payments through XXXX. I sent XXXX payments : {$900.00} on XX/XX/2025 {$200.00} on XX/XX/2025 These payments were made based on the continued misrepresentations and assurances provided by the seller. The additional payment was sent under the belief that the transaction was legitimate and would result in the delivery of the promised goods/services. The goods/services were not delivered as agreed, and the seller failed to fulfill their obligations. I reported this to SoFi, but my claim was denied and categorized as an authorized transaction, without properly addressing the fraudulent and deceptive circumstances under which these payments were made. This is not a case of buyers remorse. This is a case of fraud, where I was intentionally misled into sending money under false pretenses over time. I am requesting that SoFi : Reopen and properly investigate this case as fraud Reclassify the transactions under scam/fraud protections Provide reimbursement totaling {$1100.00} I have documentation including payment records, communications, and evidence of misrepresentation, which I am prepared to provide. I respectfully request that this matter be reviewed and resolved in accordance with consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: AZ

Complaint narrative:
I have a cash app account. On XX/XX/year>, @ XXXXXXXX XXXX XXXXhere was a withdrawal for XXXX from my cash app account. I did not authorize that withdrawal. Looking into a little further, it was transferred into a XXXX XXXX XXXXccount.I don't bank nor do i have a bank account with XXXX. Cash app Support had given me a trace # and told me to call that bank and figure it out. I called stride bank and they had given me an Email address to address any issues with them. So i did. Their response was since i dont bank there, they couldn't help. I went back to cash app support and they said they would do an investigation. Two weeks later, they said they had concluded the investigtion and found no evidence of fraud. i asked to see their investigation papers or documents showing their results and i received no response. I have called them over and over and they just keep me on hold. They haven't refunded any money or helped me out in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Multiple accounts using my identity of purchases made under my email and name please help me freeze my credit i have more proof

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
b'Cavalry portfolio services keeps reporting collection account even though they dont sent proof of validation! Its keeps reporting to all credit bureaus'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am a XXXX XXXX, and Im reporting a serious issue where Navy Federal used my earned wages to cover their own losses. I was targeted by a scammer who knew my Secret Codeword and my previous address in XXXX. They used this info to trick me into thinking someone was buying an XXXX in my name. I was coerced into sending money via XXXX XXXX because the scammer had my private security info, which made me believe I was talking to the real bank. During this, I was also on the phone with a real Navy Federal employee. They admitted they saw someone currently trying to hack into my account but said the person " couldn't get in. '' Even though the bank knew my account was under attack, they didn't lock it. This allowed the scammers to steal about {$800.00} to {$900.00} as my paycheck arrived in pieces via XXXX My total verified paycheck from XXXX was {$1400.00}. The bank put this money in my account for XXXX hours but then suddenly took it back out. They claimed they were using my money to pay back another Navy Federal member who was also scammed. They are treating me like an accomplice instead of a victim and using my XXXX hours of hard-earned wages to settle someone else 's problem. I told the bank about this fraud immediately. Under Regulation E, I should not be held liable for these unauthorized transfers because the banks own security was breached and they failed to lock my account when they saw the attack. The bank is breaking federal law by seizing my legitimate wages to pay off other members. I worked hard for this money and I need it returned. ( I have recorded calls with the navy fed reps that cant be uploaded attach document section below but i have them as they very important evidence ) However the paystub for the hours and wage is attached

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: North State Acceptance, LLC
State: CA

Complaint narrative:
I opened a business bank account with XXXX XXXX, and received multiple emails in XX/XX/year> from the bank that invited me to fund my account or else my account would close. I used the account and routing number provided by XXXX to finally fund the account, I receive an email in XX/XX/year> from XXXX that states that I successfully funded the account. A few weeks pass, I try to log in to the XXXX app check on my XXXX bank balance and I receive an error message that directs me to the XXXX website. I try logging in on the XXXX website and it will not allow me access to my account. The website takes me to an account application and prompts me to update my business address, I only have one business address and I do not feel comfortable with putting my residential address on a business bank account application. I wrote to XXXX customer service about this by using the contact us section on their website, no one responded. I looked for a customer service email address and wrote to XXXX there. I finally got a response from them, I provided them with screenshots as proof of my claims but they told me that they do not have an account on file with my email address. I have an additional screenshot of my account number taken from the XXXX website that proves I had an active business account, I can provide that if necessary but I am not sure if this is the appropriate stage of the complaint process to add that information. I dont understand what is going on, I feel extremely uncomfortable with all of this and would like for someone to step in and sort this out because I keep getting the run around with this bank and I am scared. I recently filed a CFPB complaint on XXXX and received a notice that they are not within the CFPB system, so I am filling out a complaint with the Coastal community Bank ( router number XXXX ), the bank that provides banking services to XXXX customers ( according to XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I refinanced my vehicle through Upstart on XX/XX/year>. More than three years later, the lender has failed to properly process the vehicle title and/or lien. I have been given multiple inconsistent explanations over time, including claims that the title was not properly transferred from the previous lender, that insurance was required, that a smog inspection was needed, and most recently that I needed to provide proof of DMV fee payment. I have fulfilled all requirements on my end, including maintaining insurance, completing smog requirements, and paying all DMV fees. The request for proof of DMV payment is improper, as the DMV maintains its own official records. The lender has not provided a clear explanation of the issue, nor a resolution timeline. A delay of over three years to process a title and perfect a lien is unreasonable and constitutes negligence. I am requesting that Upstart provide : Confirmation of the current title status Confirmation of whether a lien has been properly recorded Immediate steps to resolve the issue This matter has caused ongoing inconvenience and concern regarding ownership and registration of my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: FL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

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 2026-04-11 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: Skrill USA, Inc.
State: WV

Complaint narrative:
On XX/XX/XXXX I withdrew XXXX an tried to send it to my bank. On the page it said the date XX/XX/XXXX but showed the arrival date to be XX/XX/XXXX an said complete. I have called an emailed an messaged from the app on the complaints an haven't got an email a call or nothing. It says someone will get back to u in 24 to 48 hours but it's been almost a month. They wont answer calls anymore more, if the wait time say around 10 mins I can still be on hold for 45 mins .. they escalated the dispute but nothing now an the company is skrill

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I previously disputed this account with the credit bureau, and it was marked as verified without proper validation. I requested full documentation from the company, including the original signed agreement, complete account history, and proof that the debt was legally transferred and belongs to me. This information has not been provided. Despite this, the company continues to report the account and attempt collection. Reporting a debt without proper validation is inaccurate and misleading. I am requesting that this account be fully verified with proper documentation or removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MA

Complaint narrative:
CFPB Complaint - Navient Servicing Failure and Settlement Exclusion Subject : Formal Dispute of Eligibility and Credit Reporting Inaccuracy I am filing this formal complaint against Navient Solutions , LLC ( formerly XXXX XXXX ) regarding their failure to include my account information in the CFPB XXXX Navient redress distribution ( XXXX ). Navient recently notified me that they " do not have my information, '' which is a direct contradiction of my official federal loan records. Per my Department of Education XXXXXXXX XXXX XXXX XXXX ), Navient is explicitly identified as the servicer for my loans under Loan Contact Code XXXX. The records confirm a relationship dating back to XXXX at XXXX XXXX, including XXXX IDs ending in XXXX and XXXX. I was a XXXX XXXX recipient ( 474 % lifetime eligibility ), which clearly qualified me for XXXX XXXX ( XXXX ) plans. Instead, Navient representatives " steered '' me into long-term forbearances, claiming I was ineligible for lower payment options. My federal file shows multiple " Status : DA '' ( Deferment ) and forbearance periods ( effective XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) that are a direct result of this misconduct. XXXX XXXX : This servicing failure caused significant damage to my XXXX XXXX. Inaccurate late notices and negative marks from the period of this " steering '' remain on my credit reports today. Because Navient claims they have " no record '' of me, I have been unable to effectively dispute these marks. I am prepared to provide thXXXX XXXX XXXX and screenshots of my XXXX XXXX and XXXX XXXX history as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XXXX, there was a capital one venture x credit card door dash offer of XXXX miles for first time door dash purchases. I bought around {$36.00} worth of food on XXXX for the bonus offer of XXXX miles but I didnt get the mileage and only got my regular XXXX purchase point which was around XXXX miles only. People at online forums are posting screenshots and emails stating within XXXX days of using the offer link they got their offer bonus confirmation already. Its been 8 days and I still hadnt gotten the bonus offer. I called capital one for assistance 4 times and each of those phone call simply told me to keep waiting and theres nothing they can do for me until 90 days has passed. I told them I felt like I got scammed because I only bought from XXXX due to the bonus offer which I hadnt received.

Company response to consumer: Closed with monetary relief