vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: AZ

Complaint narrative:
As of Thursday, XX/XX/2026 I am filing this complaint against Chime Financial, LLC and XXXX XXXX XXXX XXXXXXXX. Claim XXXX for {$460.00} and Claim XXXX for {$410.00} were both approved after investigations determined that errors occurred. The temporary credits were finalized and the claims were closed. Total amount due is {$880.00}. Despite being informed that payment would be remitted, more than ten business days have passed and I have not received the checks. This matter implicates : Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) Regulation E ( 12 C.F.R. Part 1005 ) Consumer Financial Protection Act ( 12 U.S.C. 5531, 5536 ) Unfair, deceptive, or abusive acts or practices ( UDAAP ) Arizona Consumer Fraud Act ( A.R.S. 44-1522 ) California Business & Professions Code 17200 The claims were approved and finalized, yet the funds remain unpaid. Failure to timely remit approved funds after completing an error investigation undermines the protections afforded to consumers under federal debit-card dispute regulations. I request immediate issuance of the approved funds totaling {$880.00}, written confirmation of mailing, supporting documentation showing when payment was issued, and a complete explanation of the delay.

Company response to consumer: In progress
Consumer complaint received 2026-06-12 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: MN

Complaint narrative:
I am filing this complaint regarding the reporting of delinquent federal student loan payments that occurred after the XXXX payment pause ended. I believe these delinquencies were the result of servicing and account access issues outside of my control. When federal student loan repayment resumed, I attempted to access my loan account through MOHELA in order to determine my payment amount and make timely payments. However, I was unable to access my account. My Social Security Number was not recognized by the system, and I was unable to locate any account associated with my information despite multiple attempts to log in and resolve the issue. I made reasonable efforts to gain access to my account because I intended to remain current on my student loan obligations. Due to the inability to access my account or obtain accurate information regarding my loan status, I was prevented from making payments during this period. Eventually, I was able to create an account and discovered that my loans had been transferred to a different servicer/the Department of Education . By this time, multiple late payments had already been reported to the credit bureaus, significantly damaging my credit score. I have maintained payment obligations on other secured debts during this period, including my vehicle loan, and did not intentionally neglect my student loan responsibilities. The reported delinquencies resulted from account access failures and servicing transitions that prevented me from fulfilling my obligations despite my efforts to do so. I am requesting a thorough investigation into this matter, including a review of account access records, servicing transfer communications, and any documentation demonstrating the issues I encountered while attempting to access my account.

Company response to consumer: In progress
Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
Credence Resource Management is reporting a {$280.00} collection for XXXX that is inaccurate and unverified. I disputed this with XXXX, and my report shows : Account information disputed by consumer and This item was updated from our processing of your dispute in XX/XX/year>. I was never provided any proof that this debt belongs to me. My XXXX report also shows repeated errors, including disaster codes and inconsistent reporting. No itemized bill, proof of ownership, or proof of assignment was ever provided. I am requesting that the CFPB require Credence and XXXX to either provide proper validation or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I am disputing an inaccurate account delinquency and an unauthorized payment reversal by Freedom Mortgage. On XX/XX/year>, I made my monthly mortgage payment of {$1600.00} for the month of XXXX. This payment successfully cleared my bank account on XX/XX/year>. On XX/XX/year>, I contacted Freedom Mortgage to stop a pending, duplicate transaction scheduled for XXXX and requested to reschedule it for XX/XX/XXXX instead. I was advised by a supervisor to place a stop-payment order with my bank, which I did. However, Freedom Mortgage mistakenly reversed my already-cleared XX/XX/XXXX payment on XX/XX/year>, claiming my bank had recalled it. I have contacted my bank, and they provided explicit written confirmation that the XXXX payment was never reversed, remains successfully posted, and only the XXXX transaction was returned. Freedom Mortgage has closed my internal inquiry ( Case ID XXXX ) claiming the issue is resolved and that my account is delinquent, but their ledger is completely incorrect. My account has remained within the 30-day window as a subsequent payment was made on XX/XX/year>.

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 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
Credence Resource Management is reporting a {$1000.00} collection for XXXX that is inaccurate and unverified. I disputed this with XXXX, and my report shows : Account information disputed by consumer and This item was updated from our processing of your dispute in XX/XX/year>. I was never provided any proof that this debt belongs to me. The reporting contains errors, including inconsistent dates and no documentation supporting the balance. No itemized bill, proof of ownership, or proof of assignment was ever provided. Credence failed to validate the debt and failed to correct the inaccurate reporting after my dispute. I am requesting that the CFPB require XXXX and XXXX to either provide proper validation or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi is violating the Fair Credit Reporting Act ( FCRA ) by transmitting a completely inaccurate, highly contradictory account status timeline to the credit bureaus. My credit report currently reflects an Account Status of " Closed by Credit Grantor '' effective XX/XX/year>. However, my internal online dashboard completely invalidates this closure timeline, explicitly proving that the account remained an open ledger on Citi 's backend systems months past that date. The Administrative Contradictions : Automated Account Maintenance ( XX/XX/year> ) : Because the physical card plastic carried a natural expiration date of XX/XX/year>, Citi 's automated backend systems triggered an active renewal review on XX/XX/year>. Citi issued an official automated letter denying the physical reissue based strictly on revolving balancesa credit underwriting action that can only legally occur on a live, open account relationship. The system did not flag the account as closed or terminated from XXXX. Active System Activity ( XX/XX/year> ) : As recently as XX/XX/year>, Citis internal system generated an automated online account notification regarding a " Revolving Credit Limit Request. '' Reporting and Payment Misalignment : As of XX/XX/year>, Citi continues to calculate and transmit a live credit limit of {$6200.00} and an active 85 % utilization factor to the bureaus, while simultaneously tracking regular monthly payments that keep the ledger status completely " Current. '' The Legal Violations : FCRA Inaccuracy : A credit grantor can not legally report a definitive corporate termination to the bureaus while its active backend automation treats the file as an open revolving accountunderwriting renewals, calculating utilization, and generating credit line notifications into XXXX. ECOA Notice Failure : If this account was definitively terminated in XX/XX/year> as reported, I never received a legally mandated Adverse Action Notice under the Equal Credit Opportunity Act ( ECOA ) explaining that specific XXXX closure. Required Resolution : Conduct an immediate manual compliance audit of this account 's automated history. Citi must either restore full account utility and align the bureau reporting to show the account is open and active to match the current payment trail making sure to completely delete the inaccurate, contradictory negative closure markings from all credit bureau files due to systemic non-compliance, or completely delete the entire tradeline from my credit files to ensure the removal of the inaccurate markings.

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 2026-06-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Block, Inc.
State: CA

Complaint narrative:
Cash App Card was declined at store although funds were there, opened app and account was closed and stocks were gone only unchanged was XXXX. So I contacted support and was told I violated terms of service. When asked what terms were violated to promote closure and liquidation of my stock investments they wouldn't say, so I appealed it and haven't got a response email wise or through app. So I enquired again about it got the same answer and the decision is irreversible. I again asked for notice of violations and of account closure was told they sent me a write up about it and decisions leading to closure yet it been XXXX days and still nothing. I can't use the card or services, my XXXX is still there, but cash app sold all my fractional stock shares without notification or permission or an opportunity to transfer them like it outlines in they're terms of service. Restricting my cash app card services isn't the problem it's the mishandling and decision to sell my investments that's theft of assest

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 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: VA

Complaint narrative:
I have unauthorized charges on my chime card from XXXX XXXX XXXX chime refuses to refund my money

Company response to consumer: In progress
Consumer complaint received 2026-06-12 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I made a {$1.00} purchase using my CITI Bank credit card for an printed XXXX XXXX over the internet. According to my statements, the next day on XX/XX/XXXX, a {$45.00} purchase qwas made and every month thereafter my credit Card was charge a recurring {$45.00} charged. I was unaware of this charge, as I was paying off the card and signed up for auto-pay at {$150.00} per month and agreed to paperless statements. I made no purchases until later in the year, In XXXX I received an email Notice from CitiBank that my card was not present when a {$45.00} charge was made. 13 months had gone by before I was made aware of this recurring charge. I contacted CitiBank filed fraud and disputed the {$580.00} in charges. They credited the XX/XX/XXXX charge of {$45.00} and denied all the other claiming I failed to check my account. I did not sign up for a {$45.00} recurring monthly subscription from the merchant called XXXX located in XXXX, XXXX XXXX. I made one {$1000.00} purchase I was paying off the card via auto pay at {$150.00} a month and also signed up for paperless statements. I had no readon to check my acount. This IS FRAUD! The internet has thousands of complaints just like mine. Unauthorized FRAUD Charges.

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
Consumer complaint received 2026-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Selene Holdings LLC
State: TX

Complaint narrative:
I am submitting this complaint to dispute inaccurate credit reporting related to a property I previously owned. I sold my home on XX/XX/year>, due to financial hardship after falling behind on my mortgage payments. I am currently attempting to purchase a new home ; however, I have been unable to proceed because the property I sold is being inaccurately reported as a foreclosure by Direct Underwriting. This reporting is incorrect. The property was not foreclosed upon. I have contacted the lender directly, and they confirmed that my account is reflected as paid in full. I was further advised to contact the credit bureaus to have the foreclosure remark removed. This inaccurate foreclosure designation is negatively impacting my credit profile and preventing me from obtaining financing. I respectfully request a thorough investigation into this matter and correction of the reporting to accurately reflect the status of my account. I am prepared to provide any supporting documentation necessary to facilitate a prompt resolution. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
On XX/XX/XXXX, my Charles Schwab checking account containing approximately {$16000.00} was frozen immediately after I reported my debit card lost and requested a replacement be sent to XXXX XXXX. To resolve the freeze, I immediately uploaded my California driver 's license, a bank statement showing my on-file address, and screenshots of my XXXX XXXX XXXX XXXX where the funds originated ( since my XXXX statement was not yet ready ). Despite providing this, my account remained blocked. When I called back, a front-line agent demanded utility bills matching my on-file address. I explained I do not have utilities in my name except for a phone bill, which Schwab refused to accept. The agent then claimed I had to physically visit a mainland branch to verify my identity, completely ignoring that traveling to the mainland is an extreme, unnecessary expense while I am in XXXX XXXX. They told me to wait for the fraud department, but no one called. When I followed up again days later, another representative found a new update stating I needed to submit yet another document. I submitted that document immediately, but I have still received XXXX contact or resolution. Charles Schwab is fully aware that my account has been locked for XXXX weeks and that I am facing severe financial hardship. By refusing to accept valid secondary documents, failing to call me back, and giving impossible instructions, they are wrongfully withholding my funds. I have a perfect credit history and have never missed a single credit card payment until Charles Schwab wrongfully froze my funds. This has left me unable to pay my credit cards, causing late fees and credit damage. I demand that Charles Schwab immediately review these uploaded documents, unfreeze my checking account, and grant me full access to my funds. Alternatively, if they choose to close the account, I demand the immediate return of the full balance, including the ATM fees I was promised, to be returned to my originating institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX, I emptied Safe Deposit Box XXXX XXXX at a Chase branch in XXXX XXXX, FL and understood it to be closed. I no longer have the key. On or about XX/XX/XXXX, I received a letter from Chase delivered signature-required demanding {$590.00} in accumulated fees for this box and threatening to forcibly open it. This was the first communication I received about this box since XXXX approximately XXXX years. During those XXXX years, I maintained an active Chase banking relationship. I visited Chase branches and called Chase customer service on multiple occasions for other banking matters. At no point did any Chase employee, system notification, or written communication alert me to an outstanding balance on a safe deposit box tied to my identity. Chase had my current mailing address, my active accounts, and direct contact with me throughout this period. The letter itself did not identify which branch held the box. I emailed Chases Executive Office on or about XX/XX/XXXX, requesting closure of the box and waiver of the fees. On XX/XX/XXXX, the Executive Office responded by phone, refusing to waive any fees and requiring me to travel to the XXXX XXXX branch over XXXX hours from my home to sign a signature card and have the box drilled on the spot. I am requesting : XXXX. Waiver of all accumulated fees ( {$590.00} ), as the box has been empty and unaccessed for approximately XXXX years and Chase failed to notify me of any outstanding balance despite continuous direct contact through my active banking relationship. XXXX. Closure of box # XXXX without requiring a XXXX hour round trip, or arrangement for a local Chase branch to handle the closure paperwork. XXXX. Written confirmation that the account has been closed with a XXXX balance and that no negative reporting has been or will be made to credit bureaus or collection agencies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/year>, I was approached on the street in XXXX by solicitors claiming to represent " XXXX XXXX XXXX '' a supposed charity that assist children and teens. I authorized a {$10.00} and {$25.00} donation via tap-to-pay. The merchant is listed as " XXXX XXXX XXXX XXXX XXXX '' at XXXX XXXX XXXX, XXXX, WA XXXX. They charged my XXXX card {$10.00} and {$860.00}, which is many times the amount I authorized. I immediately froze my card and reported the fraud to XXXX. The first representative at XXXX refused to help. The second one I called opened a fraud investigation and deactivated my account pending a new card. This is a documented, ongoing scam operation with multiple reports spanning over a year : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Victims have been approached at XXXXXXXX XXXX XXXX XXXXXXXX, and other XXXX locations XXXX One victim was charged {$3400.00} after authorizing {$10.00}. The operation processes payments under merchant name XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I called XXXX earlier today and went thru an extensive work it seems like : there a mix of names and other false transfers of community property my XXXX XXXX XXXX is the owner of XXXX XXXX XXXX XXXX XXXX Ca XXXX. There has been a bunch of XXXXXXXX XXXX XXXX the account. General XXXX/XXXX/XXXX MATURITY DATE XXXX Townhome - Residential PROPERTY TYPE FHA PRODUCT TYPE FHA LOAN TYPE XXXX LOAN NUMBER EFFECTIVE Transaction History 7.602 % INTEREST RATE {$3100.00} PRINCIPAL & INTEREST XXXX INVESTOR LOAN # XX/XX/XXXX ORIGINATION DATE Performing XXXX AMOUNT DUE XXXX LAST PAYMENT DATE XX/XX/XXXX NEXT DUE DATE {$3900.00} MONTHLY PAYMENT PAYMENT INFORMATION XXXX ( XXXX ) XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, MAILING ADDRESS XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, PROPERTY ADDRESS CONTACT INFORMATION XXXX XXXX XXXX I wanted to get into the account the account in connection with all the above accounts in connection with a fraudulent account accounts please help me the the investor is a XXXX and is related to XXXX XXXX XXXX : XX/XX/XXXX my husband he XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX He was given my account thru XXXXXXXX XXXX XXXXXXXX entity and would like some assistance in recovering the account.

Company response to consumer: Closed with explanation