vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
In XX/XX/scrub> 2025, my credit card was lost or stolen and unauthorized individuals accessed my Capital One account and XXXX account. They made charges without my consent, and as a result, the account became delinquent and was eventually charged off. I reported the fraud to Capital One, but my claims were denied and the fraudulent activity was not corrected. I also filed an Identity Theft Report with the FTC and a police report documenting the unauthorized activity. The incorrect account information has since appeared on my credit report, negatively affecting my credit score. I am requesting that Capital One and XXXX reinvestigate the account, remove the fraudulent charges, and correct any inaccurate reporting resulting from this identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
An unauthorized debit card transaction was made on my Chime account. I did not authorize or participate in this transaction. I promptly reported the charge to Chime and filed a dispute. Chime denied the dispute without providing a reasonable explanation or evidence that I authorized the transaction. In addition, I personally contacted the merchant that processed the transaction and requested documentation to confirm that I was not the person who made the purchase. The merchant is currently investigating and has advised that they will provide this information within 24 hours. Despite this, Chime has not reopened the dispute or returned the funds. I believe Chime failed to conduct a reasonable investigation as required under the Electronic Fund Transfer Act. I am requesting that Chime properly investigate this unauthorized transaction and refund the funds to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citi bank sent me an email about the constant money missing from my account, the refusal of staff to provide me any information about my account, being XXXX profiled inside the facility, the refusal to allow me to close the account and lying about account closure, the refusal to send me a debit card, and other serious concerns I've had with Citi bank. They took no responsibility for anything. So I told them the account would sit and no longer be used. I finally received a debit card XXXX days ago, only for me to wake up Friday, XX/XX/year>, at XXXX XXXX XXXX to check my account, and my account has been closed without my knowledge. Citi bank staff are beyond weird. But I thank them for the peculiar and childish behaviors I've experienced. This may be the reason they're in an active lawsuit and many facilities are being closed across the United States.

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 2026-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I am a verified victim of identity theft with FTC Report # XXXX filed XX/XX/XXXX, and XXXX XXXX  XXXX  Case # [ I will INSERT CASE NUMBER WHEN I GET IT ]. 

FRAUDULENT ACCOUNTS - IDENTITY THEFT : 1. NAVY FEDERAL CREDIT UNION - Account : XXXX - Fraud began : XX/XX/XXXX - Amount : {$23000.00} - Status : Fraudulently opened by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX - Account : XXXX - Fraud began : XX/XX/XXXX - Amount : {$18000.00} - Status : Fraudulently opened by same perpetrator CREDIT BUREAU VIOLATIONS : Despite providing complete identity theft documentation including FTC Report and police report, the credit bureaus ( XXXX XXXX XXXX  ) have : FAILED to block fraudulent accounts within 4 business days as required by 15 U.S.C. 1681c-2 ( FCRA Section 605B ) UNLAWFULLY REINSERTED previously deleted fraudulent information without required 5-day advance notice or furnisher certification, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) REPORTED massively inconsistent balances proving inaccuracy : - XXXX  reports XXXX balance : {$34000.00} - XXXX  reports XXXX balance : {$57000.00} - Discrepancy : {$22000.00} ( 65 % variance ) REPORTED impossible " XXXX '' credit score on XXXX  ( dropped from XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX ) This pattern has continued for 18 months despite repeated disputes and legal notices. 

FURNISHER VIOLATIONS : Navy Federal Credit Union and XXXX XXXX XXXX have CONTINUED to furnish fraudulent account information to credit bureaus AFTER receiving formal identity theft notice, violating 15 U.S.C. 1681s-2 ( a ) ( 6 ).

DOCUMENTED HARM : Based on credit scoring calculations in my Progress Report dated XX/XX/XXXX : - Mortgage financing excess cost : {$140000.00} - Auto loan financing excess cost : {$9900.00} - Current credit scores artificially suppressed to XXXX range - Should be XXXX without fraudulent accounts I DID NOT open these accounts, authorize them, or receive any benefit from them. Under federal law, I am not liable for identity theft debt and these accounts must be blocked immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
A collection agency is trying to collect money from me and is reporting this collection to credit bureaus. They are not licensed and bonded in Florida which makes it illegal for them to try to collect from me. The amount that they are trying to collect is {$140.00}. I have contacted them recently through an email. I have not heard back yet. The collection company name is Amsher Collection Services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Someone used my information to get fraudulent apartments.

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 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
From XX/XX/year>- XX/XX/year> my husband 's Cash App account was subject to numerous fraudulent charges. He used cash app occasionally to send money to our pet sitter and lawn care guy. He had linked our debit cards ( linked to our joint account ) and his debit card ( linked to his personal account ) to his cash app account and didn't realize that funds were being withdrawn from our bank accounts until much later. He has never been very concerned about managing money, unfortunately. Most of the funds that were withdrawn from our bank account and sent to Cash App never showed up in his Cash App account. Additionally, there were numerous charges to gaming apps that my research confirmed are known to be associated wtih fraud. Upon investigation, none of the games or gamemakers that the money went to are even in the App store, and the website of every gaming was from the same template. The games were childish games or obvious copies of legitimate games. Some of these fraudulent companies include XXXX, XXXX XXXX and XXXX. The charges would be moments apart and started out with small amount ( XXXX XXXX ) then increased to XXXX XXXXXXXX each, which suggests someone was testing to see if we were paying attention. After persistent complaints and documentation, my husband 's bank reimbursed him for most of the charges, but Cash App now shows him owing over {$3000.00} for those charges. My bank refused to reimburse me for most of the charges, especially the ones that appear to be transfers from our checking account to his Cash App ( even though I showed them the funds never showed up in his Cash App account ). Many of the claims were submitted too late, as I was working on a major project at work last year and didn't have time to inspect our bank statements closely. When we contacted Cash App they would not provide us with any additional details about the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I am a Veteran borrower reporting Lakeview Loan Servicing ( XXXX # XXXX ) for a pattern of bad-faith servicing and non-compliance with VA federal mandates.

XXXX  Program Violation ( Circular XXXX ) : On XX/XX/XXXX, I submitted a full XXXX application ( attached ). The servicer refused to process it, claiming 'systems were not ready. ' This is a direct violation of VA Circular 26-24-12, which mandated all servicers to be fully operational for XXXX by XX/XX/XXXX. The servicer stalled until the program expired on XX/XX/XXXX, depriving me of a 2.5 % fixed interest rate. 

Blocking of Partial Payments ( 38 C.F.R. 36.4316 ) : Since XX/XX/XXXX, the servicer has blocked my ability to make partial payments by greying out the 'Make a Payment ' button on my online portal ( see attached screenshot ). This has caused my delinquency to grow to {$44000.00}, artificially inflating the debt and causing financial harm.

Ignoring the VA Home Loan Program Reform Act of 2025 ( P.L. 119-31 ) : In XX/XX/XXXX, I specifically requested evaluation for a Standalone Partial Claim as authorized by the 2025 Reform Act. The servicer has ignored this request and is instead attempting to force me into a 6.6 % interest rate modification that triples my current 2.25 % rate.

I demand that the servicer cease dual-tracking and evaluate me for the Standalone Partial Claim to retain my 2.25 % interest rate.

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 2026-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I am submitting a complaint regarding inaccurate and misleading credit reporting by Toyota Financial Services Retail on my credit reports with XXXX XXXX XXXX XXXX  for account number XXXX. 

This account was closed on XX/XX/XXXX with a XXXX balance, yet the bureaus continue reporting inconsistent and unverifiable information. The account is reported as Current despite being closed. XXXX XXXXhows a Date Reported of XX/XX/XXXX after closure, and conflicting statuses such as Paid and CurrenXXXX XXXX reports a {$0.00} credit limit on an auto loan, which is inaccuratXXXX XXXX  continues reporting the tradeline while displaying no account data or payment history. 

These inconsistencies can not be properly verified and are misleading. I disputed these errors directly with the credit bureaus, but the inaccurate reporting remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica
State: LA

Complaint narrative:
It's been past the XXXXday rule it's actually been almost a XX/XX/XXXX days and I have not received my provisional credit from an ATM that didn't dispense my cash I sent them all the information they asked for soon as I got the letter in and call XX/XX/XXXX during the week during regular business hours and was told that they had up until XXXX I'm about to lose my home and I'm needing this provisional credit before Monday morning to not be homeless and I keep getting the same run around about my provisional credit when the XXXXday rule has been in effect I received a letter stating I was getting the provisional credit on the on the XXXX and it should have reposed XXXX days later and here it is way past XX/XX/XXXX days later and I have not seen no provisional credit yet

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
Radius Global Group Solutions llc at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been sending me notices in the amount of {$320.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

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 2026-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: KY

Complaint narrative:
I have tried for 3 months to have this removed off my credit I have contacted XXXX XXXX XXXX and credence rm for XXXX and they ask for my information I would not supply them with my information and they would not give me mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 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: CL Holdings LLC
State: MN

Complaint narrative:
I disputed collections accounts on my credit report with no results

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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: CA

Complaint narrative:
Product : Credit Card Issue : Problem with a purchase / Dispute denied Company : Bank of America Complaint Narrative : I am filing this complaint regarding XXXX XXXX XXXX handling of my credit card dispute related to a {$400.00} charge from a spa business called XXXX Lagoons. 

I am XXXX XXXX XXXX, and I was pressured into paying this charge after being given misinformation by the business. The spa claimed that I had broken their tub and that I was responsible for the damage. They did not provide any evidence to support this claim. There were no photos, videos, inspection reports, or documentation showing that I caused any damage. I was intimidated and felt pressured to pay on the spot without being given a fair explanation or proof. 

After realizing I had been misled, I contacted Bank of America to dispute the charge. I explained that : I was pressured into paying The business provided false information There was no evidence that I caused any damage The charge was not legitimate Despite this, Bank of America denied my dispute twice. I was told that I did not have enough evidence, even though the merchant never provided any proof either. I attempted to dispute the charge again, and Bank of America denied it a second time. At no point did I feel that a real investigation was conducted into whether the merchants claim was valid. 

I am very disappointed with how Bank of America handled this situation. I did everything I was supposed to do as a consumer, and instead of helping me, they dismissed my case and offered no meaningful assistance or protection. 

Why I am filing this complaint : I believe Bank of America failed to properly investigate my dispute and failed to protect me from a misleading and pressured transaction. I am asking for a full and fair reinvestigation of the {$400.00} charge. 

What I want from Bank of America : I want Bank of America to reopen my dispute, properly investigate the merchants claim, require the merchant to provide actual evidence, and issue a refund/credit if the charge is found to be invalid.

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 2026-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
On exactly XX/XX/year> at XXXXXXXX XXXX  I entered into a payment arrangement with an agent of Westlake Financial Services XXXX The arrangement was to {$1300.00} plus an additional {$100.00} in late fees for a total of {$1400.00} on XX/XX/year>. Westlake Financial then repossessed the vehicle on XX/XX/year>. I called Westlake Financial services on XX/XX/XXXX at XXXX XXXX and arranged to pay {$2900.00} on XX/XX/XXXX to retrieve the vehicle and make the loan whole. Both the agent and I were in agreement, and the location of the vehicle was provided. It was explained that once we completed the transaction on XX/XX/XXXX they would send a notification to the XXXX party that held the vehicle so that I XXXX retrieve it. 
On XX/XX/XXXX Westlake Financial called and stated to recuperate the vehicle I would need to pay the full market value of the vehicle, which they placed at {$43000.00}. I repeatedly explained I had an arrangement and they explained they are not obligated to follow any arrangements made. This is complete mis representation. Furthermore, I have filed a complaint with the FDCPA for harassment as Westlake Financial would call 3 to 4 times a day, every day. Westlake Financial has still failed to provide anything in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I recently opened a Spark Business Capital One Credit Card. My credit was pulled and I received the card and acrivated it. 

When I tried to add it to my online account I found out the social security number was wrong for my credit card. 

I called capital one, spoke with a supervisor named XXXX and he told me the only way theyll fix it is if I mail/fax my social security card to them. I told XXXX XXXX not comfortable faxing my social security card. Its 2026, there should be a safe, encrypted way for me to upload my social security card - not through fax. 

I already have a checking account with Capital One btw and Ive had crefit cards with them in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: NY

Complaint narrative:
I was the victim of a scam that resulted in a {$700.00} pay-to-pay transfer from my Chime account. The payment was sent after I was misled by false promises, and I did not receive any goods or services. 

I reported the transaction to Chime as fraud and requested a dispute. Chime denied my claim, stating the payment was authorized, despite the fact that it was induced by deception. 

I have since filed an official XXXX XXXX report classifying the incident as XXXX XXXX by false promise ( scam ). 

XXXX Online Report Confirmation : XXXX I am requesting that Chime reopen the dispute, conduct a proper investigation, and reimburse the {$700.00} that was fraudulently taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I keep getting hit on my credit report with debt collectors stating payment hasnt been made to my student loan. The student loan company was changed and I have been paying my loan. The false reports of stating of non payment need to be fixed on my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Property Receivables, Corp
State: OR

Complaint narrative:
An agent with Property Receivables named XXXX XXXX repeatedly harassed me in her phone calls. Never have I dealt with such a vicious debt collector. Her first tactics were to instill the fear of God in me, like " They're preparing to move forward '' -- while I was on vacation, she made recommendations about how I should live my life, how I should pay them, advice on my communication, all with a level of lack of empathy that was inhuman. She did not stop calling. She left repeated messages, despite my asking her not to. There's no way to cooperatively engage with someone like that, no flexibility. She additionally demanded my payments get doubled or tripled, again, no debt collector has every done this. I demand a full formal investigation be made and a full formal complaint be initiated before I work with my debt management/consolidation program to pay them.

Company response to consumer: Closed with explanation