vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-07 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: DISCOVER BANK
State: TX

Complaint narrative:
In approximately XXXX or XXXX of 2022, I purchased concert tickets using my Discover credit card from an online seller. After completing the purchase, I never received the tickets that I paid for. I attempted to contact the seller multiple times through email to resolve the issue and request either delivery of the tickets or a refund, but the seller did not respond to any of my communications. Due to the lack of response and the fact that I never received the tickets, I contacted Discover to dispute the transaction and explained the situation. At the time, I was under the impression that the dispute had been resolved in my favor. However, the seller later informed Discover that I had received the tickets and attended the concert, which is completely untrue. I had documentation showing that I did not attend the event. Additionally, I was dealing with XXXX at the time, which would have prevented me from attending regardless. The sellers own refund policy stated that refunds would be permitted in the case of COVID-related issues. I provided this information and supporting documentation, yet the seller still did not respond to my requests for assistance or a refund. Despite the fact that I never received the tickets and made multiple attempts to resolve the matter, Discover ultimately denied my dispute based on the seller having a refund policy. However, I should not be held responsible for a purchase in which the seller failed to deliver the product I paid for and ignored all attempts to resolve the issue. Based on these facts, I believe this transaction was fraudulent and that I was the victim of a scam. I respectfully request that this matter be reviewed again and that the inaccurate information associated with this transaction be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Westlake Financial keeps on calling me six times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: FL

Complaint narrative:
I am filing a formal complaint regarding Chimes failure to conduct a reasonable investigation into unauthorized transactions, a violation of the Electronic Fund Transfer Act ( Regulation XXXX ), XXXX XXXX XXXX. On XX/XX/2026, account was subjected to an Account Takeover ( ATO ) resulting in unauthorized charges totaling {$9400.00} to the merchant XXXX XXXX Although I provided clear evidence that I was locked out of my account during these transactions and successfully disputed identical charges with XXXX, Chime has denied my claims twice. Chimes investigation relies solely on automated device fingerprinting, claiming the transactions were 'authorized ' because they originated from a recognized device. This is a technical failure to account for evidence of compromise. It is impossible for me to have initiated these transactions while my account was restricted/locked by the merchant. The 'velocity ' of the chargesdozens of transactions in rapid successionis characteristic of bot-driven fraud, not human behavior. Chime has ignored my XXXX report XXXX XXXX XXXX XXXXXXXX ) and failed to perform a manual review of this evidence. I request that Chime perform an immediate, high-level manual review of these claims and reverse the unauthorized charges as required by Regulation XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: InDebted Corporation
State: CO

Complaint narrative:
I am filing a complaint regarding a fraudulent loan reported by XXXX in the amount of {$2800.00}. This loan was allegedly used to pay for a XXXX XXXX in XXXX between XX/XX/year> and XX/XX/year>. I did not authorize or make this purchase. During that time period I was actively attending my XXXX XXXX, including XXXX XXXX classes, and working. I was also dealing with a broken-down vehicle, which made travel extremely difficult. I was not traveling to XXXX and did not book any vacation rental through XXXX or any other service. I have disputed this account with XXXX multiple times and the disputes have been denied. However, XXXX has not provided adequate documentation proving that I authorized this loan or made this purchase. I did not apply for this financing, I did not authorize this transaction, and I did not stay at the property in XXXX. This fraudulent account is now negatively affecting my credit and causing financial harm. Under the Fair Credit Reporting Act and identity theft protections, lenders are required to conduct a reasonable investigation when fraud is reported. XXXX has failed to provide proof that I opened or authorized this account. I am requesting the following : 1. Immediate removal of this fraudulent XXXX account from my credit report. 2. Written confirmation that I am not responsible for this {$2800.00} loan. 3. Documentation showing the identity verification used when this account was opened, including IP address, device information, purchase receipt, and the name and address used for the XXXX XXXX. If XXXX can not provide clear documentation proving that I opened and authorized this account, the debt should not be reported under my name. I request a full investigation and prompt resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: CO

Complaint narrative:
I am filing a complaint regarding a fraudulent loan reported by Affirm in the amount of {$2800.00}. This loan was allegedly used to pay for a XXXX XXXX in XXXX between XX/XX/year> and XX/XX/year>. I did not authorize or make this purchase. During that time period I was actively attending my XXXX XXXX, including XXXX XXXX, classes, and working. I was also dealing with a broken-down vehicle, which made travel extremely difficult. I was not traveling to XXXX and did not book any vacation rental through XXXX or any other service. I have disputed this account with Affirm multiple times and the disputes have been denied. However, Affirm has not provided adequate documentation proving that I authorized this loan or made this purchase. I did not apply for this financing, I did not authorize this transaction, and I did not stay at the property in XXXX. This fraudulent account is now negatively affecting my credit and causing financial harm. Under the Fair Credit Reporting Act and identity theft protections, lenders are required to conduct a reasonable investigation when fraud is reported. Affirm has failed to provide proof that I opened or authorized this account. I am requesting the following : 1. Immediate removal of this fraudulent Affirm account from my credit report. 2. Written confirmation that I am not responsible for this {$2800.00} loan. 3. Documentation showing the identity verification used when this account was opened, including IP address, device information, purchase receipt, and the name and address used for the XXXX reservation. If Affirm can not provide clear documentation proving that I opened and authorized this account, the debt should not be reported under my name. I request a full investigation and prompt resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MO

Complaint narrative:
So back in XX/XX/year> I was hospitalized for about a week and a half, during that time my account had been used fraudulently for XXXX XXXX which I didnt discover until after I returned home, once I saw I disputed and received a partial refund not understanding why I wouldnt get a full one, nonetheless I let is slide as it wasnt a significant amount, moving on I saw other weird charges and decided to order new cards as a whole, due to all the suspicious behavior Im sure it did raise some red flags and my account was held for review. I asked for it to be removed and was told to wait 48 hrs and the account would be released. I waited and to my luck my account was released and I was prompted to use my card as normal, less than 5 minutes later with no interaction with the account and now no explanation the account was locked down again, I called and explained it must be a mistake it was just released and was told to wait another 48 hrs, now Im livid, I called back 24 hours later and the rep told me it would be restored soon and less than a couple min after we get off the phone my account is fully closed and Im being told theres no refund being processed but I had over 2k in my savings account that belong to me and I worked for every dime. I want my money back and I want chime to send it expedited as I have fallen behind on bills and rent due to this 2 month extended XXXX that doesnt make any sense! You cant hold peoples money for no reason its illegal!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
XXXX and XXXX to provide me a copy of Allonge from Caliber Home Loans , Inc to XXXX XXXX XXXX, XXXX for the property located XXXX XXXX XXXX XXXX MI XXXX and disclose when this Allonge was executed by Caliber to XXXX and when Caliber delivered this Allonge and all original documents - Note, Mortgage and this Allonge to XXXX. Please disclose Caliber 's relationship to loan number XXXX. Did Caliber service or own loan number XXXX? Who serviced or owned loan number XXXX? Caliber never provide me any copies of any Allonges from Caliber to XXXX and never explained why this Allonge was never provided to me and when it was prepared or executed or delivered by Caliber to 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 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: MECHANICS BANK
State: CA

Complaint narrative:
I am submitting this complaint regarding Mechanics Bank and its refusal to provide reasonable accommodations for a XXXX customer while attempting to resolve an issue related to a former business checking account. I originally held a business checking account with XXXX Bank in XXXX XXXX. During the time I maintained this account, I was XXXX XXXX military and XXXX overseas. While I was XXXX, my account inadvertently became approximately {$3.00} negative. I was never contacted or notified by the bank regarding this small balance issue. Subsequently, Mechanics Bank acquired XXXX Bank and closed the account without ever reaching out to me to resolve the matter. Had I been notified, I would have immediately corrected the balance. Since that time, I have suffered severe injuries and am now permanently physically XXXX. My physicians, including providers associated with the U.S. Department of Veterans Affairs and the U.S. military medical system, have documented that I have significant XXXX XXXX and can not travel easily or appear in person at banking locations. When I was a customer of XXXX Bank, they had documentation of my XXXX on file and consistently provided reasonable accommodations under the XXXX XXXX XXXXXXXX XXXX ( XXXX ) to allow me to manage my banking needs remotely. However, Mechanics Bank has refused to provide similar accommodations and insists that I must physically appear at a branch to address the issue or reopen an account. Because of my documented XXXX, this requirement creates a significant barrier to accessing banking services. I have offered to provide medical documentation verifying my XXXX, but the bank has not provided any reasonable alternative method for resolving this issue remotely. This situation is particularly troubling because the original issue involved only a {$3.00} negative balance during my military XXXX, which could have easily been resolved if the bank had contacted me at the time. Requested Resolution : That Mechanics Bank provide reasonable XXXX accommodations allowing this matter to be addressed without requiring in-person travel. That the bank allow remote verification and communication to resolve the closed account issue. Confirmation that no negative reporting or banking restrictions remain associated with this account. I am simply requesting fair and accessible treatment consistent with federal XXXX accommodation standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MOHELA
State: TX

Complaint narrative:
I am filing this complaint regarding a student loan being reported on my credit report by MOHELA that does not belong to me. This account is appearing on my credit report as a student loan with late payments and shows it was transferred and closed. I have never attended college and did not complete high school, so it is impossible for me to have taken out a student loan. I have attempted to contact MOHELA using the phone number listed on the credit report to resolve this issue, but when I call they either state they have no record of me or the call is disconnected before I can get assistance. Because this account is not mine, I believe this may be the result of identity theft or inaccurate reporting. The account is severely damaging my credit by reporting multiple late payments. I am requesting that MOHELA conduct a full investigation and provide documentation proving that I authorized or opened this student loan. If they can not provide proof such as a signed agreement or verified application, I am requesting that this account be removed from all credit reports immediately. I have also filed disputes with the credit bureaus regarding this account. I am requesting assistance in ensuring this fraudulent or inaccurate account is removed and that my credit report reflects accurate information.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Complaint regarding ATM cash deposit retained by ATM On XX/XX/year>, between approximately XXXX XXXX and XXXX XXXX, I attempted to deposit {$7500.00} in cash into a Huntington Bank ATM located at : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX United States I used my debit card issued by XXXX XXXX. The ATM accepted the cash but the transaction did not complete. No receipt was issued and the funds were not credited to my account. Since that date I have been trying to resolve this issue with both XXXX XXXX and XXXX XXXX XXXX. XXXX initially opened a claim but denied it twice, stating they could not see the transaction and that the issue must be handled by the ATM owner. Huntington Bank representatives said they would request an ATM balance report for XX/XX/year>, but several days have passed and I have not received any confirmation or documentation. The ATM clearly accepted my cash and retained the funds. I am requesting that Huntington Bank review the ATM balancing records and overage report for that date and confirm the retained deposit. This delay has caused serious financial hardship, and I am requesting immediate assistance in resolving this matter and ensuring the funds are properly returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
In 2023 I financed a used vehicle through United Auto Credit. XXXX XXXXXXXX - Within less than a year of ownership, the vehicle began experiencing major mechanical problems, I called multiple times and made complaints to United Auto Credit advising the issues. including transmission failure, fuel pump. Because the vehicle was no longer reliable and the repair costs were extremely high, I voluntarily returned the vehicle. After the vehicle was surrendered, United Auto Credit reported a charge-off and a deficiency balance of approximately {$9500.00}. I have requested information explaining how this balance was calculated after the vehicle was surrendered and sold. Specifically, I requested documentation showing the sale of the vehicle, the auction sale price, and a full breakdown of how the remaining balance was determined. Instead of providing this information, the company sent a settlement letter offering to accept a reduced payment but did not provide the documentation requested. Without documentation showing the sale of the vehicle and the calculation of the deficiency balance, I can not verify that the amount being reported is accurate. This account continues to negatively affect my credit report. I am requesting that the company provide proper documentation verifying the deficiency balance or remove the account from my credit report if the balance can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Im part of the class action against Navient. I paid my loan off and I have not received the class action settlement payment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I never received the card and I never received statements I called and tried to get it fixed and they where just dumbfounded and wanted me to pay over the phone and I said I want to see my statements so I can review my charges and they wouldnt do what I requested

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am submitting this complaint regarding unauthorized electronic fund transfers that were denied without a meaningful investigation by JPMorgan Chase Bank. I was hospitalized for an extended period following a serious car accident. During this hospitalization, my phone and wallet were stolen from my belongings at the hospital. My wallet contained my debit card and my phone contained my mobile wallet. After the theft occurred, several unauthorized transactions were made using the stolen debit card and mobile device. On XX/XX/year>, three transactions totaling approximately {$1200.00} were processed with the merchant XXXX. These transactions were not authorized by me. I filed a fraud claim with the bank shortly after the activity was discovered. However, the claim was denied almost immediately. During follow-up calls with the banks claims department , I was told the claim was denied because the transactions were made from a previously authenticated mobile device. The claim was therefore closed without requesting documentation or allowing me to submit supporting evidence. I explained that my phone and wallet had been stolen while I was hospitalized and that hospital documentation and a police report were available. Despite this, I was told the claim would automatically be denied due to the device previously being associated with my account. At no point during the process did the bank request documentation or allow me to submit evidence before denying the claim. I am requesting that the bank reopen the dispute and conduct a proper investigation under Regulation E of the Electronic Fund Transfer Act, allow me to submit supporting documentation including hospital records and the police report, and provide provisional credit while the investigation is conducted if required under Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/year> my business account was used fraudulently for a complete amount of XXXX dollars. Immediately after noticing this I called and filed a claim. On XX/XX/XXXX Wells Fargo closed the claim, stating they found no error. I have proof that I replied No to their fraud alert text, which was only sent for one of the multiple charges. I closed my debit card and it shows how even after closing the card the thief still tried to make more transactions that of course failed due to the card being off. I feel Wells Fargo did not take this seriously and they do not care that their long customer has been robbed of XXXX dollars. I filed a Police Report. I will take further action if justice is not met.

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 2026-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I co-signed on a loan through the XXXX XXXX XXXXXXXX. At the time he lived with me. He later decided to move out of Texas, so I requested that he take my name off of the title. So, he went to Navy Federal Credit Union ( NFCU ) & opened a loan in his name only. XXXX XXXX XXXXXXXX forwarded the title, I signed/dated the back of the title & gave it to my son and he took it to NFCU. The car in question is a XXXX XXXX XXXXXXXX, which has always been registered in my son 's name. For the last XXXX years I have been receiving outstanding toll charges from XXXX on this vehicle. I have tried to get my son to take care but he can't 'take off work ' to take care of it. I have tried to get NFCU to correct their mistake ; but all I get are empty promises. Since my name is not on the loan I cant get the title from NFCU to take to XXXX. I have gone to XXXX and can not get help because my name is not on the registration even though my name still appears on the title in their records. The outstanding balance or XXXX for toll is over XXXX & has been turned over to a collection agency. I have written to the collection agency explaining the situation ; however, their response was that I should use my " tax refund, '' to pay the outstanding charges. I filed a complaint with the BBB & NFCU did not respond, which is why I am writing to you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation