vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CarMax, Inc.
State: MD

Complaint narrative:
I purchased a XXXX XXXX from car max all was well. Payments were made and then I traveled to XXXX Georgia was stopped by law enforcement and car was towed away. Car was located and damaged seat belt was cut and dented. Parked car at family property car was taken loan company stated it was not them. Each lot I was told to go to didnt have the car. I called the loan company again they was of no assistance. Got a letter in the mail a year later saying that the vehicle had been sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
On XX/XX/2026, Cavalry Portfolio Services sent an electronic validation notice regarding an alleged XXXX credit card debt in the amount of {$14000.00}. I first became aware of that notice only after locating it in my spam folder. I did not receive a mailed validation notice from Cavalry before receiving repeated follow-up collection emails on XX/XX/2026, XX/XX/2026, and XX/XX/2026. In the XX/XX/2026 email, Cavalry stated that it furnishes information to credit reporting agencies. In the XX/XX/2026 email, Cavalry made a settlement offer that expired XX/XX/2026 all to the spam folder. I promptly disputed the alleged debt upon actual notice and sent a written dispute/validation request by certified mail on XX/XX/2026 ; USPS tracking shows it was available for pickup in XXXX, Connecticut on XX/XX/2026. In that dispute I requested validation, including proof of ownership/assignment, original creditor information, account-level records, itemization of the amount claimed, date of first delinquency, charge-off date, and accurate credit reporting reflecting that the debt is disputed. My complaint is that Cavalry relied primarily on electronic communications that were routed to spam, continued collection pressure and settlement solicitations, and reported or updated the debt with the credit bureaus before I had a fair practical opportunity to respond by mail after actual notice. I ask the CFPB to review this under 15 U.S.C. 1692g, 15 U.S.C. 1692e ( 8 ), 15 U.S.C. 1681s-2, and 940 CMR 7.08 ( 2 ). They reported it to the credit bureau before the deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc.
State: NE

Complaint narrative:
I wish this was simpler .. Back in 2015 I gave birth to a baby I placed for adoption the day he was born. I myself and my mom have received calls and voicemails from a collection agency. Turns out the " DEBT '' they are calling about is for said child placed with a family via adoption. I have told them I have never had rights to this child and my rights have been signed away since he was born. I have told them this and still are keeping the collection when it is not my debt to pay. I never signed anything claiming responsibility for that service as I am not the mother I am the birth mother. I also did contact the hospital who sent the bill and they claim they are unable to change anything. Ridiculous this has brought so much stress and heartbreak.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XXXX night, I checked my card to see what I had in my bank. Minding you XXXX morning, I was able to use my card to get gas and I was able to get into my account well, that evening when I went to try to go recheck my account and get into my account, it said it was locked. So Chase Bank close my account out without telling me why minding you. My son gets a social security there. He gets his back pain into the savings account I opened up. And I was getting my work checks there, but I currently been unemployed in only getting my son 's income because of health problems and they are aware of that, but I've been receiving enough money to keep that account open, someone stole money out of my account yet again and now, when I disputed the charge for them or somebody stealing from my account, they closed my account out and said that they can no longer do business with me. They can't reopen up my account which I've done nothing but be loyal for Chase Bank and been with them 5 years and now you guys close out my account without telling me and My sons and money goes there and now I have to go find another bank which I don't have money to put into the bank account to get open and Chase Bank owes me money. They owe me {$350.00} for taking for over XXXX, and they owe {$200.00} for my son 's savings account that they said that supposedly I was transferring money from that there was no money in it to transfer to my bank count, my debit card, which that is a lie and now they locked me out for being able to get my bank statements in my proof. So I want to sue them and I want to sue them for stealing from me stealing from my son and for false fully closing out my account And not paying me none of my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: FL

Complaint narrative:
I recently noticed a Chime Credit Builder account on my credit report that I do not recognize or remember signing up for. I am requesting that this account be investigated and removed from my credit report if it was opened in error. I would also like any related inquiries or negative information deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-09 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: GA

Complaint narrative:
On XX/XX/year>, I discovered unauthorized activity involving my bank account and debit card. I noticed multiple suspicious transactions and attempts to access funds that I did not authorize or recognize. Prior to the charges appearing, my card was unexpectedly locked, which immediately raised concern that my account information may have been compromised. After reviewing the activity, I realized unknown individuals had likely gained access to my card information or account details without my permission. Some of the transactions and activity were inconsistent with my normal spending behavior, and I did not knowingly approve, participate in, or benefit from those transactions in any way. When contacted regarding the activity, I informed the bank that I did not know the individuals or merchants connected to the transactions. The unauthorized activity caused financial stress, concern for my personal information, and disruption to my ability to access and use my funds normally. As soon as I became aware of the situation, I took steps to secure my account by reviewing transactions, monitoring account activity, locking or replacing my card, and contacting the bank to report the suspicious charges and potential fraud. I am requesting a full investigation into the unauthorized activity and any attempts to misuse my banking information. I affirm that the transactions and suspicious activity in question were not authorized by me, and I did not knowingly provide permission for anyone else to use my account or card information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Chelseamac, LLC dba Briteside Solutions
State: TX

Complaint narrative:
I paid to Briteside Solutions from XX/XX/XXXX through XX/XX/XXXX. During this period, I made monthly payments of approximately {$380.00} under the belief that this company would provide legitimate debt relief and related services. After reviewing my experience and attempting to contact this company regarding concerns of fraud and misconduct, I did not receive any return phone calls or meaningful response from your representatives. I was misled and paid money when my debt wasn't even resolved!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX transactions for {$1.00} were taken out of my account by someone using my physical card in a different state. Nothing was lost or stolen. Chime ( XXXX XXXX ) investigated and found nothing unusual at all and refused a refund. I escalated it to a supervisor and they confirmed it didnt seem right and it would be fixed. Now only XXXX of the XXXX transactions have been refunded and no explanation as to why the rest were not refunded. I have asked several times for additional info. I have shown my own documentation. They said there is nothing else to be done. I have referenced XXXX and the CFPB, no luck.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I have been experiencing serious financial hardship and have contacted Chrysler Capital multiple times by phone requesting assistance. Each time I am told I do not qualify for any hardship program. However, I continue to receive written communications from Chrysler Capital stating that hardship help is available. This contradiction has never been explained or resolved. My documented hardships are as follows : I became unemployed in XX/XX/XXXX2026 and am currently receiving unemployment benefits. My spouse was in an automobile accident in XXXX 2025 and was unable to work for XXXX months, leaving our household operating on unemployment benefits alone during that period. She returned to work in XXXX 2026. Additionally, my vehicle on which I owe approximately {$16000.00} of an original {$67000.00} purchase price experienced a rack and pinion failure at approximately 65,000 miles, a critical steering component that should not fail at that mileage. The estimated repair is {$4000.00}, which I can not absorb during this hardship period. Despite all of this, I have continued making payments on this account. I have not abandoned this obligation. I have sent a formal hardship letter via email to XXXX and via certified mail to Chrysler Capital 's retail address simultaneously with this complaint. I am requesting that this complaint prompt a review by someone with actual authority to evaluate my situation not a front-line representative operating from a qualification checklist. I am requesting payment deferral, a temporary forbearance period, or a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XX/XX/XXXX, I sent a domestic wire transfer to an individual that would have been my landlord for XXXX months pay for leasing an apartment in XXXX. I sent the wire at XXXX to a XXXX account. With XXXX minutes she notified me of an account change. At that point I was afraid it was a scam so I called citi bank at XXXX to cancel and recall the wire transfer from my savings account at XXXX I called again to make sure and to see when the funds would be back into my account. Soon I was told. I called again at XXXX and was told the amount would be back into my account change by Monday. I called on Monday XX/XX/XXXX I called and was told that since I told them I think it was a scam then they had to tell XXXX that its a possible scam so there needs to be an investigation. I called again XX/XX/XXXX. O was told the money was coming back to my account t and it will take a week to receive. On XX/XX/XXXX I spoke to XXXX who states she does t k ow why I was told that because there has not been any coorespondance with XXXX XXXX. Citi states they have to wait for XXXX to notify them of the results. I kept asking that if I cancelled it so fast how did it not come back to my account. No one willing to answer. Today XX/XX/XXXX I called and was told they were notified XX/XX/XXXX from wellfargo there is no money it that account. Of course not its been XXXX weeks. So this is a formal complaint. Hopefully no one else has to go through this kind of loss.

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 2026-05-13 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: FL

Complaint narrative:
I purchased a defective table from XXXX using my Macys American Express card. The table weighed close to XXXX pounds and arrived damaged/defective, including alignment and assembly issues. I requested a return accommodation or pickup because the item was extremely heavy and not reasonably transportable by a consumer vehicle. XXXX refused to provide pickup assistance and instead required me to personally transport the table to a return location. I contacted both XXXX and Macys American Express multiple times and provided documentation, photos, and communication records showing the item was defective and that the merchant would not provide a reasonable return method. Despite this, the dispute was not properly resolved. I requested clarification and supporting documentation regarding the denial and handling of the dispute. I believe the dispute investigation failed to reasonably consider the size and nature of the item, the lack of pickup accommodation, and the merchants return requirements for an extremely heavy product.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Dear Sir or Madam, I am requesting a review of a promotional offer discrepancy related to my recent credit card application. I applied for the card after clicking on a promotional advertisement offering : {$400.00} statement credit XXXX bonus miles after spending {$1500.00} My husband applied for the same card one day earlier and successfully received that exact promotional offer. However, after my application was processed, I was informed that my account had instead been enrolled under a different promotion requiring {$2500.00} spending for XXXX miles, without the {$400.00} statement credit. Had I clearly understood that the offer had changed, I may not have proceeded with the application under those terms. From a consumer perspective, the transition between the promotional offers was unclear and confusing. I respectfully request that Citi review this matter and consider honoring the original {$400.00} statement credit offer, or alternatively provide an equivalent goodwill accommodation. I would appreciate a careful review of : the advertisement presented at the time of application, the application timeline, and the similarity to my wifes application approved the previous day under the original offer. Thank you for your time and consideration. I look forward to your response. Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2026-05-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
I am filing this formal complaint regarding the financial institutions refusal to provide hardship assistance and their failure to cooperate with my existing debt management efforts, which has led to my account becoming delinquent. 1. Description of the Issue : I am currently facing significant financial hardship and have proactively enrolled in a XXXX XXXX XXXX ( DMP ) through InCharge Debt Solutions to manage my obligations responsibly. Despite my commitment, the financial institution has charged unfair fees that made my balance unmanageable. When I requested to enter a " XXXX XXXX '' or for them to formally accept the terms of my XXXX program, I was summarily denied. The reason provided was that my account had not been open long enough to qualify for any assistance. 2. Impact of the Refusal : Because the institution refused to cooperate with the XXXX program or offer any flexible payment options based on a " short account history '' rule, the balance has snowballed due to compounding fees and interest. This has resulted in my account becoming several months delinquent, even though I have been making a sincere effort to pay through my debt management agency. 3. Desired Resolution : To resolve this matter, I am requesting the following : Formal acceptance and cooperation with the XXXX XXXX XXXX XXXX I am currently enrolled in. An immediate waiver of the unfair late fees and penalty interest that accrued after I first notified the institution of my participation in the program. A reasonable repayment structure that aligns with my current financial situation. Correction of any negative credit reporting that occurred during the period they refused to negotiate. I believe it is unfair to penalize a consumer who is actively working with a reputable credit counseling agency like XXXX to repay their debts. I look forward to your assistance in facilitating this cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I have a Destiny credit card issued by Concora Credit with a {$500.00} credit limit ( account ending in XXXX ). I have made very few purchases on this card, yet the balance has grown to over {$900.00} due to repeated fees and interest. The company has been charging me multiple fees every month that quickly exceed the credit limit, including : XXXX XXXX XXXX XXXX XXXX XXXX fees Overlimit fees of {$41.00} almost every billing cycle Late fees Annual/renewal fees ( for example, {$120.00} charged in XX/XX/XXXX2026 ) These fees cause the account to go over the {$500.00} limit, which then triggers more overlimit fees and interest charged on the fees themselves. For example : XX/XX/XXXX statement : balance reached {$630.00} XX/XX/XXXX statement : balance reached {$880.00} ( including {$120.00} annual fee + overlimit + other fees ) XX/XX/XXXX statement : balance reached $ XXXX Even when I make payments, the minimum payment is too low to cover the new fees and interest, so the balance continues to grow. I was never able to keep the balance under the {$500.00} limit because of these recurring fees. This appears to be unfair fee stacking and overlimit practices on a small-limit card. I am requesting that Concora Credit reverse the excessive fees ( especially overlimit and credit protection fees ), recalculate the balance without the unfair charges, and provide a reasonable resolution to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Columbia Collectors Inc
State: WA

Complaint narrative:
On XX/XX/year>, the collection agency served civil lawsuit paperwork with debt details to my XXXX XXXX. Causing severe mental and emotional damages for the past week. As a result, my child has missed school due to a XXXX only being able to see him during school hours. Secondly, my spouse and I were absolutely never given a detailed invoice for move out costs, and why so much of our deposit was taken. So we have been waiting for that.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
b'*1. UNDISPUTED EVIDENCE OF 9.34073 XXXX XXXXn\nBetween XXXX, Coinbase issued contemporaneous email confirmations for XXXX XXXX deposits/transactions totalling XXXX XXXXXXXX* to accounts controlled by Josiah Githinji. Coinbases current ledger fails to reflect these assets outflows. Coinbase has provided no reconciliation, no outflow record, and no lawful disposition.\n\nEvidence summary attached as Exhibit A:\nRef Date BTC Coinbase Email Confirmed in Ledger Status\nXXXX XXXX XXXX XXXX XXXX Yes, No Unreconciled\n*These are not disputed transactions. * These are Coinbase-confirmed deposits of specific chattel that Coinbase, as bailee, has failed to return. \n\nThe XXXX exists. Coinbase either still controls it or converted it.\n\n*2. LEGAL LIABILITY WHY USD AT 2014 PRICES IS NOT SETTLEMENT*\n\na. *Bailment & Conversion*: Coinbase took custody of XXXX XXXX Duty to return specific property. Failure = conversion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remedy is return of XXXX XXXX XXXX XXXX XXXX. *Gross Negligence Voids XXXX: Your own User Agreement Appendix XXXX XXXX states: _ nothing in this Agreement is intended to limit our liability with regard to damages based on an intentional or grossly negligent breach. _ Failure to maintain XXXX ledger integrity for XXXX separate transactions is gross negligence. \nYour liability caps are void.\n\nc. *Mitigation Impossible Valuation Date = Today*XXXX XXXX XXXX XXXX XXXX XXXX XXXX valuation = date mitigation was possible. Claimant had no account access 2023-2026 after Coinbase deleted accounts without return of assets. Mitigation date = award date. 9.34073 BTC \n\nd. *Regulatory Violations*: Failure to safeguard customer assets + failure to provide transaction history on demand violates 12 C.F.R. 1005.11 (Reg E), XXXX XXXX requirements, and constitutes unfair practice under CFPB 1031. A CFPB complaint will be filed XXXX XXXX XXXX if unresolved.\n\n*3. SETTLEMENT DEMAND \n\n1. *XXXX XXXX XXXX to address: to my specified XXXX wallet to be provided on request.\n\n GOOD FAITH NOTICE UNDER 7.5*\n\nThis letter constitutes Notice of Dispute per User Agreement 7.5. I have attempted resolution since XXXX. Further delay = bad faith.'

Company response to consumer: Closed with explanation