vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
XXXX XXXX XXXX that is not my deft I led a a security system that was false advertised XXXX they have there equipment not the bebt has XXXX some too collection agengy

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Submitted a complaint about this same issue in XX/XX/year> through CFPB. However, the complaint closed as CFPB did not hear back from me in time. XXXX XXXX, has without my knowledge or permission, added his name as the sole authorized contact to my late mother 's Carrington Mortgage Services , LLC loan account of residential property and my only home. XXXX XXXX refuses to XXXX me access of the mortgage account. This has me very concerned, as I'm unable to verify that no unauthorized changes have been made to the mortgage account. There is active lawsuit with XXXX XXXX regarding my childhood home and due to deceptive business practices. I appreciate your time and attention to this very important issue. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Someone by the name of XXXX has opened come kind of credit account with Capital One using my email address at XXXX I have been trying to contact Capital One but they said that they can not help me since I am not XXXX, the owner of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am submitting this complaint regarding a collection account being reported and collected by Midland Credit Management , Inc. that I do not recognize and did not authorize. I have no knowledge of this alleged debt and I did not enter into any agreement with Midland Credit Management or the original creditor they claim to represent. I have not received any documentation that validates this debt or establishes that I am legally responsible for it. Midland Credit Management is currently reporting and attempting to collect on this account without providing a signed contract, account-level documentation, or proof of assignment that would demonstrate legal ownership of the debt. Additionally, the account is being reported with incomplete and inconsistent information across consumer reporting agencies. XXXX XXXX XXXX reporting fields such as payment history, account terms, and verified balance information are either missing or inaccurate. Despite my dispute, Midland continues to report and attempt to collect this account without proper validation, which is a violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The continued reporting and collection of this unverified account is causing harm to my credit profile and financial standing. I am requesting an immediate investigation and resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXhat is not my deft I led a a security system that was false advertised XXXX they have there equipment not the bebt has XXXX some too collection agengy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I canceled a subscription but continue to be charged. I disputed the charge yesterday. Wells Fargo refuses to allow me to speak to a live representative about this matter. Their phone systems loop endlessly and prevent any contact with a human. I need this resolved and the charges stopped. ''

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 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Formal Complaint Fraud-Induced Wire Transfer / Failure to Investigate/ XXXX Scam Loss To Whom It May Concern, I am submitting this formal complaint regarding a fraudulent wire transfer scam that resulted in significant financial loss and the failure of both my bank and involved parties to properly investigate or assist after I reported the fraud. I was the victim of a cryptocurrency-related scam in which I was manipulated, intimidated, and pressured into wiring money from my bank account to XXXX under false pretenses. I believed I was acting under legitimate circumstances, but I later discovered that I had been deceived and that the funds were ultimately transferred to fraudulent wallet addresses connected to scammers. As soon as I realized I had been scammed, I immediately reported the matter to my bank and disputed the wire transfer. However, my bank denied my dispute and stated they do not dispute wire transfers of this nature, despite the fact that this transaction was induced through fraud, coercion, and deception. I believe my bank failed to conduct a proper investigation into the fraudulent circumstances surrounding this transfer and did not reasonably review my fraud claim. Additionally, XXXX facilitated the transfer of funds that were later moved to suspicious or fraudulent wallet addresses. After reporting the scam and requesting assistance, I received little to no meaningful support in tracing, freezing, escalating, or helping investigate the suspicious transactions. Despite my efforts to provide transaction details and wallet information, I was unable to obtain adequate assistance. I have reported this matter through multiple channels and attempted every reasonable effort to recover my money, but I have received no meaningful resolution. I respectfully request CFPB to investigate the following : XXXX. My banks failure to reasonably investigate a fraud-induced wire transfer dispute. XXXX. Whether proper fraud, escalation, and consumer protection procedures were followed after I reported being scammed. XXXX. The denial of my dispute despite evidence of coercion, deception, and fraudulent activity. XXXX. Whether adequate action was taken after suspicious crypto-related transfers were reported. XXXX. Any available remedies for recovery of my funds and accountability for all parties involved. I am prepared to provide supporting evidence, including wire transfer records, bank dispute denial letters, transaction IDs, wallet addresses, screenshots, communications, and details of the platforms involved. This financial loss has caused serious hardship, distress, and significant damage to my financial stability. I respectfully request a full review, investigation, and appropriate corrective action. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: IL

Complaint narrative:
So I've been having this transaction that keeps coming out of my account called XXXX XXXX it tries to take out {$29.00} about twice a month. It keeps reoccurring and I did not know how to block it from reoccurring. I just wanted to watch. I messaged cash app about it and they had me dispute well when I was on there there's the one called XXXX XXXX XXXX XXXX XXXX. I have no idea what it was but I tried to get it blocked too. I wasn't asking for money back or anything. I was just wanting to block so they can't keep trying to reoccur cuz I keep having to lock my card... Well it comes up fraudulent activity and now they have me blocked out. I use cash app for everything and I assure you that I did nothing fraudulent. I even saved all my screenshots of the chat. I have another bank. It's my local but I use cash app for everything and this is just unfair because I was asking for help. I end up getting my account closed. I'm just asking for help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
Lvnv funding is a company I have never did business with. I don't know who they are and they are sitting on my credit report. I want them gone. Bringing my score down XXXX points!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ClarityPay, Inc.
State: AL

Complaint narrative:
In early XXXX I was sold a high-ticket XXXX XXXX program by a merchant called XXXX for approximately {$8000.00}. The salesman made specific promises about results, materials, and coaching quality that were never delivered. I took out an installment loan through ClarityPay to fund this purchase. After enrolling I discovered the XXXX was misrepresented. My XXXX had no knowledge of my personal goals or situation. Promised materials and resources were never provided. The coaching was surface level and did not match what was described during the sales process. Additionally, the program was sold to me as lifetime access, which was a key factor in my decision to take out this loan. This promise of lifetime access has not been honored as represented during the sales process. I have video evidence of the sales call showing promises that were not fulfilled. Other members of the same program have reported identical issues with refund requests being deflected. Furthermore, the merchant XXXX has been using manipulative retention tactics to prevent refunds, including sending intimidating messages and attempting to discourage members from pursuing disputes all while continuing to enroll new members and collect fees. These tactics suggest a pattern of predatory behavior designed to extract money from consumers rather than deliver the promised services. I am requesting that ClarityPay cancel this loan and issue a full refund based on fraudulent misrepresentation by the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX I purchased {$500.00} worth of XXXX coin through the official Coinbase website. I am a verified Coinbase account holder of XXXX years. I did not click any suspicious links or visit any XXXX party sites. After the purchase Coinbase flagged the asset as malicious through their own Blockaid security system and secretly moved it into a SPAM folder in my account without my knowledge or any notification. I had no idea this spam folder existed until a Coinbase representative walked me through finding it during a recorded phone call. On XX/XX/year> I called Coinbase and spoke with representative XXXX. This call was recorded in full. XXXX confirmed that Coinbase had a malicious warning banner displayed for XXXX coin BEFORE and DURING my purchase yet Coinbase still allowed my {$500.00} transaction to process. XXXX confirmed many other users are experiencing this same issue. XXXX confirmed the coin has no value. XXXX could not explain where my {$500.00} went. XXXX refused to escalate to a supervisor, refused to provide her employee ID, and could not process a refund. Case number XXXX was issued. Coinbase had prior knowledge this asset was malicious, displayed their own warning banner, yet still accepted my {$500.00}. This is negligence. My Coinbase account now shows {$0.00}. I received nothing of value in exchange for {$500.00}. I am demanding a full refund of {$500.00}. I have filed a dispute with XXXX XXXX XXXX XXXX, and I have the full call recorded. I am also filing complaints with the FTC and XXXX Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I am submitting this complaint regarding a collection account being reported and collected by IC System , Inc. that I do not recognize and did not authorize. I have no knowledge of this alleged debt and I did not enter into any agreement with IC System , Inc. or any original creditor they claim to represent. I have not received any documentation that validates this debt or establishes that I am legally responsible for it. IC System is reporting and attempting to collect on this account without providing a signed contract, account-level documentation, or proof of assignment that would demonstrate legal ownership of the debt. Additionally, the account is being reported with incomplete and insufficient identifying information, including the absence of a full account number and supporting details required for proper verification under the Fair Credit Reporting Act. Despite my dispute, IC System continues to report and attempt to collect this account without proper validation, in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The continued reporting and collection of this unverified account is causing harm to my credit profile and financial standing. I am requesting an immediate investigation and deletion of this account if proper validation can not be provided.

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 2026-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
Account XXXX 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, plea provide 'Certified Mail ' with receipt displaying my signature. If not, please delete a XXXX XXXXXXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XXXX XXXX XXXX I reached out to XXXX XXXX XXXX, chase bank, and XXXX XXXX because all of my accounts were stolen all partys said they can not help me due to the information being changed and Im assuming the people who stole my accounts maxed out all my credit cards and didnt pay them now that I finally can see my credit report and have debt collectors calling me I see that all of my credit cards are maxed out and charged off which none of was done by me so I would just really like it off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: GA

Complaint narrative:
I was deeply concerned to discover unauthorized accounts, credit inquiries, and inaccurate personal information on my credit reports. I did not authorize these accounts or inquiries, and I have not received adequate documentation or explanations from the creditors despite my requests. I am asking for a full investigation and for the companies involved to provide copies of any applications, proof of my authorization, and complete details regarding each account and inquiry. Please review the attached documents, which identify the items I am disputing, and ensure that any information that can not be properly verified is removed from my credit reports. FRAUDULENT ACCOUNTS : Account Name : XXXX - XXXX Account Name : XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year> I was attempting to rent a new apartment on XXXX and requested a tour from a landlord. He told me I needed to send him a viewing fee of XXXX dollars refundable, we sent the money over Chime as he requested. The next day before the viewing he started getting aggressive saying he needed an additional XXXX $ refundable holding fee over Chime immediately otherwise another family would get our unit. Scared we sent the money. Then he started yelling at me that I sent it to the wrong Chime account because he has XXXX accounts and couldn't transfer money from XXXX to another. He demanded another XXXX XXXX We did not send it and I immediately contacted Chime and opened a scam case. Today I called to get an update and they put me on hold for an hour. They then told me there was nothing they could tell other than they closed the scammers account. I asked if my money was still in that account. They told me yes but they couldn't give it back to me and there was nothing they could do. They are now holding my funds without cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: IL

Complaint narrative:
They said my account was good and I can't start going back using my account and they got {$71.00} dollars on the account I can't get off my cash app and I been trying to withdraw since they so called closed my account..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
The loan is charged off and I can't find out who to settle it and net credit reports its monthly like its an open account re-aging it monthly and will accurately report it on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/year>, after approximately XXXX XXXX, my purse was stolen. The stolen items included my Bank of America credit card, debit card, mobile phone, wallet, passport, temporary ID, and house keys. Because my phone was stolen along with my wallet and card, I did not have immediate access to contact Bank of America or secure my accounts until I was able to borrow another phone later that morning. After the theft, several unauthorized transactions were made using my physical card and/or my phones mobile wallet. These transactions were not authorized by me, were not shipped to me, and were made after I was no longer in possession of my card or phone. The unauthorized transactions include : XX/XX/year> XXXX XXXX XXXX {$230.00} XX/XX/year> XXXX XXXX {$23.00} XX/XX/year> XXXX XXXX XXXX {$310.00} XX/XX/year> XXXX XXXX {$16.00} XX/XX/year> XXXX XXXX {$100.00} XX/XX/year> XXXX XXXX XXXX {$490.00} XX/XX/year> XXXX XXXX {$1.00} Total disputed amount : {$1100.00}. As soon as I was able to access a phone, I contacted Bank of America to report the theft and unauthorized transactions, and my card was locked. I also filed a police report documenting the theft and fraudulent use of my accounts. I provided this documentation to Bank of America along with supporting evidence related to the disputed transactions. I also contacted XXXX XXXX XXXX immediately after receiving the order confirmation email in an attempt to stop the shipment before delivery. The transactions appear to have been conducted using the name XXXX XXXX, which is not my name and further supports that these purchases were unauthorized. In addition to the Bank of America XXXX, unauthorized transactions were also made on my XXXX debit card during the same time period following the theft. XXXX investigated the transactions and credited my account for the fraudulent charges. Despite the police report and supporting evidence provided, Bank of America denied my fraud claim. I reopened the claim by phone and again explained that my phone, wallet, and physical card had been stolen and that the person responsible had access to my identity documents and unlocked mobile device. The claim was denied a second time. I am submitting this complaint because these transactions were unauthorized, occurred after my belongings were stolen, and were reported as soon as reasonably possible under the circumstances. I am requesting that Bank of America properly reinvestigate the claim and reimburse the unauthorized charges totaling {$1100.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief