vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I.C. System, Inc. XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : FORMAL DISPUTE & DEBT VALIDATION REQUEST Account Number : XXXX Original Creditor : XXXX XXXX To Whom It May Concern, This letter is a formal dispute regarding the XXXX XXXX account that has recently reappeared on my credit report. This account was previously removed following a dispute, and I am demanding that you justify its reinsertion under the guidelines set by the FCRA. Pursuant to the FDCPA, I am requesting that you provide Debt Validation for the alleged amount of {$710.00}. Specifically, I require : Contractual Proof : A copy of the original service agreement for this account. Accounting Ledger : A complete itemized statement of the balance, including any equipment fees or interest. Collection License : Proof that your agency is licensed to collect debt in the state of Florida.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XXXX XXXX, 2025, I transferred around {$23000.00} from my personal cryptocurrency wallet to my account with Coinbase. The funds transferred were proceeds of legitimate trading activity on decentralized exchanges. Shortly after, I successfully withdrew {$6000.00} from the account. On XXXX XXXX, 2025, my account was flagged for suspicious activity. No specific reason was provided for this action. From that date onward, I have been unable to withdraw the remaining balance of {$17000.00}. Between XX/XX/XXXX and XX/XX/XXXX, I contacted Coinbase support multiple times seeking clarification and resolution. I did not receive any substantive explanation for the restriction or any timeline for review. On XXXX XXXX, 2025, I submitted a formal complaint through Coinbases internal process ( XXXX ID # XXXX ). I submitted a follow-up complaint on XXXX XXXX, 2026. More than 45 days passed without a meaningful response or resolution. As of today, Coinbase continues to withhold {$17000.00} without providing a clear reason, status update, or expected timeframe for release. This has resulted in prolonged denial of access to my funds despite full compliance with all stated requirements. I have fully complied with all identity verification and XXXX requirements requested by Coinbase. The funds were lawfully obtained and transferred from a personal wallet under my control. Yet, I have unfairly been denied access to my funds without any specific reason or timeline for resolution provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a Partial Lien Release Request to Rocket Mortgage via email. My request included all the required documents and I received an automated email stating my request was received. After 60 days of no contact or updates from Rocket Mortgage, I called customer service and was told to send my request again to a different email address, and was also told that it was not possible to speak to someone from the lien release department over the phone. I submitted my request again on XX/XX/XXXX to the provided email, and again received an automated response saying my email had been received. After 30 more days of no updates, I called customer service again and was directed to someone who could help me. The representative told me that they had received my request and documents on XX/XX/XXXX ( 54 days after I originally submitted them and 24 days after my second submission ). I was told by the representative that the single person who could provide me with an update was out of the office until XX/XX/XXXX. She informed me that once that person returned to work on XX/XX/XXXX, she would be able to provide me with an update. It is now XX/XX/XXXX and I still have not heard from anyone. It has been over 60 days and I have no idea what the status of my request is. I am not able to proceed with any of the pending work and transactions that require this partial lien release, so everything is on hold. I am extremely frustrated with the lack of communication from Rocket Mortgage. It would be one thing if I was getting updates and the process simply took a long time, but I get no communication and nobody seems to know what has happened with my request. If you have other mortgage company options, I would steer clear of Rocket Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: PA

Complaint narrative:
So about a week and a half ago, I called chime and complained to them about them closing my account. They told me that the check that I had cashed didnt follow the agreement fast forward. I talked to a total of 10 different representative to get a resolution for my problem one it was never resolved two they were very disrespectful and very, very avoidant about the situation. I told them that I wanted to fail multiple disputes because I recently went through my transactions and saying that people from different states and countries have been using my card to purchasing things. I specifically told them what I wanted to do about this and they told me that they can not help me they have hung up in my face. They have been real disrespectful and I have still yet to get my money back from the disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I had a refund from the dealership for a canceled service contract that was not cancelled by us but cancelled the daybwe bought the car, the dealership credit XXXX back to the account our numbers are not adding up right XXXX tried calling westlake financial several times, spoke to 5 different supervisor and not one can explain toe why im still paying the same amount of money on the same amount of months .its frustrating and i dont know.what to do.ihave documentation from XXXX XXXX trying to fix the issue with third party and also from westlake financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I need to removed those inquiries on my credit plz help bcoz those have 2 years on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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:
On XX/XX/XXXX my Cash App account began misbehaving for no reason. Ive had this account for 9 years and never had a problem with terms and security/fraud. On this day I updated my address of my card since it was outdated and was stopping me from paying my rent of {$990.00}. The transaction was blocked by cash app multiple times because of the address. So I changed the address on my card to pay my rent. Then thats when problems started happening. I added my new address. So I changed my address back to the previous one. I believe this flagged my account as a fraud/scam/security threat, so I put the old address back. I have been buying my usual services, food, subscriptions etc, and doing my normal transfers and withdrawals. I bought nothing out of the ordinary. So it was not my purchases or activities that got my account suspended. As for my disputes, I upload information before I dispute and if I dont have contact from the business I dont upload anything because I dont have contact with the business. Cash App agents have all told me to dispute charges. Not a single one of them told me there is a limit they would just tell me to dispute and send me the in-chat form. The agents acted as if it was no problem to dispute and have been nonchalant with disputes for 9 years. I only dispute charges I dont recognize and charges where the company I bought from would tell me to go through my bankso I would use Cash App to refund. This is a wrongful account closure. I have had 2 agents agree that I did nothing wrong. Also Cash App team never explain my situation to me they just cant delete my account for reason and then say its fraud/scam/security. I receive my work check to this account and nothing else. I get transfers from people in my Cash App follow list as usual. No strange outside activity. All I did was pay my rent to XXXX Positive Results Prop, using XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: NJ

Complaint narrative:
On XX/XX/XXXX, I received a transfer of {$16000.00} from a friend as repayment for a personal loan. On XX/XX/XXXX, my account was restricted without prior notice, and I have been unable to access these funds since. Their team requested identification documents from the sender. I have communicated this request to my friend, but he has refused to provide his private documentation. Despite my repeated attempts to resolve this and my request to simply close the account and have the funds returned to me, I was informed that the money would not be released even upon account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Company : Target Corporation Issue Type : Credit Card Fraud / Billing Dispute / Missing Refund Complaint : I am submitting this complaint regarding an unresolved credit card issue involving fraudulent charges and a missing refund that has not been properly addressed despite multiple attempts to resolve it through customer service. In XXXX, two unauthorized transactions in the amounts of {$63.00} and {$10.00} were made on my card. I reported the fraudulent activity within approximately 5 minutes, and my card was immediately blocked. I was informed that a replacement card would be issued. During that same timeframe, I returned an item and was advised that the refund would be processed within XXXX business days. As of today, I have not received the refund. After multiple follow-up calls, I was informed that the refund had been issued to my old card and that transferring the funds to my new card would take up to 2 months. This explanation is not acceptable. The original card had already been blocked due to fraud at the time of the refund, and it is unclear why the refund was processed to that account. This appears to be an internal processing error, and I should not be required to wait an extended period to receive funds that are owed to me. Additionally, I have not received clear or consistent information regarding the status of the fraudulent charges, and they are not clearly reflected on my statements. Despite multiple attempts to resolve this matter through customer service, no resolution has been provided, and the issue remains outstanding. I have made good faith efforts to resolve this directly with the company but have been unable to obtain a timely or satisfactory resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: NV

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX came came to my apartment for us to do paperwork for him to be a XXXX for me through a company called XXXX XXXX. After which we turned in our licenses social security cards and did a paperwork the informed us to be a month or so so they can start paying XXXX. In XXXX I paid XXXX {$300.00} to help me with XXXX issues through XXXX and she completed the tasks. And that day XXXX ask if he could get {$260.00} in advance and she was going to help me The following Friday Go to My world XXXX were having on my XXXX XXXX XXXX I was supposed to have chaperone and have someone stay with me for a couple hours afterwards just to make sure everything was okay XXXX agreed to do this so I agreed to give the XXXX up front. He used my virtual card do XXXX XXXX XXXX XXXXXXXX for XXXX and XXXX for XXXX. I have never had an account with XXXX XXXX pay I do not use them there's no affiliation with me with them. XXXX try to do more transactions without mine consent another one for XXXX that day for XXXXXXXX XXXX XXXX and another XXXX more for XXXX game XXXX for XXXX and XXXX for XXXX. XXXX says that those transactions never made it to his account and that they would fall back into my pending. That " The XXXX from XXXX XXXX, The XXXX from XXXX XXXX and the XXXX from XXXX XXXX would come back to me I have no affiliation with XXXX game I have no account with them I've never heard of them I don't even know what service they offer. When they did not buy a lot of pending I tried to contact XXXX and the bank and let them know XXXX said he would try to contact the bank they said that there was a freeze on his account for inappropriate activity. I have text message saying that those payments the XXXX were supposed to come back to me as well from XXXX. XXXX never did come through with the {$260.00} I paid him up front to do the caregiving thing for me. I did alert my bank, then about XXXX weeks after let me try to put a couple more XXXX cash pays through add a bunch of LYFT rides through which I don't have an account with XXXX as well and do not verify anybody to use my account or card for that. The only person who had access to the card would have been XXXX. At this point on the XXXX XX/XX/2026, I'm waiting for the return of XXXX and XXXX and XXXX from XXXX XXXX and I'm waiting to return for XXXX and XXXX from XXXX XXXX equaling {$500.00}. I have text XXXX let him know I was going to call a police report or another report that he had a chance to make good on this to get a hold of me and he has not done so. The last few weeks I have in the severe pain after the XXXX this is the first chance of has to actually make a official report. I will be following up as a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I sent {$750.00} via XXXX for a construction-related payment labeled XXXX XXXX XXXX XXXX. This payment was misdirected due to a one-digit phone number entry error. ( XXXX Claim # XXXX ) Intended recipient : ( XXXX ) XXXX Incorrect recipient : ( XXXX ) XXXX The contact names were nearly identical, which contributed to the error. Transaction Details : Amount : {$750.00} Recipient Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sending Account : Everyday Checking ending in XXXX Immediately after discovering the error, I contacted my bank and requested that the transaction be canceled or reversed. I also contacted the unintended recipient and requested the return of the funds, but they refused. I filed a claim with my bank explaining that this was an erroneous transfer. The bank closed my claim and refused to reopen it, even after escalation to the executive office. I requested complete documentation related to this claim, including investigation notes and findings. I was informed this can only be provided by mail and may take up to 30 days, which is an unreasonable delay given the time-sensitive nature of recovering funds. I have documentation showing the intended phone number versus the incorrect number entered ( a one-digit error ), along with communication confirming the recipients refusal to return the funds. The recipient is knowingly retaining funds sent in error. The bank failed to conduct a reasonable investigation and failed to take appropriate steps to attempt recovery through the XXXX network. I am in the process of filing a police report regarding this matter, as the recipients refusal to return funds sent in error may constitute unlawful retention of funds. I am requesting that the bank reopen claim # XXXX, conduct a full investigation, and take all available actions to recover the {$750.00}. I also request a detailed explanation of the denial and the banks obligations in handling erroneous electronic transfers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, an email was sent stating Welcome to Chime and that my card was on its way however I never requested this account. On XX/XX/XXXX, I called Chime Fraud phone number asking for how an account was opened using my email address and that the account be closed however they were not willing to provide any details and requested that I provide my government ID and personal details which I didnt want to give as I am not a customer of theirs and under no circumstances wish for them to have my personal details in their system as they have confirmed to not have the appropriate controls and security in place. They also refused to confirm the account will be closed. I cant stress enough how frustrating it was to have a company have my personal details used to open an account without my approval and when calling to ensure the account is closed and all details are deleted- they request that I provide them with the same personal details. In this day and age when personal data is so valuable, giving them the information to validate isis a problem as there is no guarantee it will be removed afterwards- especially having never been a client of theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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:
I am filing a complaint regarding Citis refusal to investigate a valid billing dispute due to timing, despite clear evidence of services not rendered and delayed discovery. I was charged a total of {$1400.00} for a travel package that included hotel accommodations and additional nights. The service was for future travel dates. As the travel date approached, I contacted the hotel directly and was informed that no reservation had ever been made under my name. I attempted to resolve this directly with the merchant over several months. The merchant eventually acknowledged the issue, agreed to cancel the package, and issued a partial refund of {$300.00} in XX/XX/year>, but failed to return the remaining balance of {$1100.00}. After receiving only a partial refund and no further response from the merchant, I filed a dispute with Citi. Citi refused to investigate the dispute, stating it was outside the allowed timeframe, despite the fact that : The service date was in the future The issue was only discovered later ( no reservation existed ) The merchant continued communication and issued a partial refund I acted in good faith to resolve the issue before disputing I requested escalation, and although the case was briefly reopened, Citi ultimately closed it again solely based on timing, without reviewing the merits of the case. I am requesting that Citi properly review this dispute under services not rendered and delayed discovery, and reconsider reimbursement of the remaining disputed amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
This company is committing fraud! I had this removed from my account twice! Now they went in changed the dates to XXXX XXXX XXXX I have filled police reports and they keep selling my information to other third parties! I never received any information from this company! Nor did any business with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I had difficulty logging in with my old XXXX account. I decided to close that account and open up a new one. I tried to add payment methods to my new account but nothing went through. I contacted support and they told me to do a identity confirmation. I obliged and couple days later I received an email stating my account had been unfrozen. I tried to add a payment method and still could not add money to my account. I waited a couple of weeks to see if the problem could be resolved but I still could not add money to my account. I then contacted support again and they told me to do a identity verifcation again. Couple days later, I received an email that I could add a payment method to my account but it still did not work. I contacted support again and they told me I had a possible security flag on my account for which they are unable to remove. Support states there is a possibility I can add my payment methods later but I have waited for around a month now. I have four separate payment methods I am trying to add which include two debit cards, one credit card, and, one bank account. I can not add any of them to my account. I have contacted support multiple times and get different answers. The answers range for verifying my identity to a possible security flag on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Sparrow Financial, Inc.
State: TX

Complaint narrative:
My sparrow account has been reported as I owe XXXX when I really owe XXXX. Ive asked XXXX and sparrow to update and Im having no luck from either.

Company response to consumer: Closed with explanation