vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: OR

Complaint narrative:
I am filing this complaint against Chime Financial , Inc. regarding unauthorized transactions, failure to provide provisional credit, and the sudden closure of my account without explanation. On XX/XX/year>, my wallet and debit card were stolen. Following this theft, multiple unauthorized transactions were made on my Chime Spending Account beginning XX/XX/year> through XX/XX/year>. The last authorized transaction I made was on XX/XX/year>. I did not authorize any of these transactions and did not give anyone permission to access my account, card, or mobile banking app. After discovering the fraud, I immediately reported the unauthorized transactions to Chime and filed an official FTC Identity Theft Report ( Report # XXXX ), which I provided to Chime along with supporting documentation. Despite this, Chime failed to : Provide provisional credit within the required timeframe Conduct a reasonable investigation Refund all fraudulent charges Provide documentation explaining their decision Reopen or properly explain the closure of my account Additionally, Chime closed my account without providing a valid reason. Closing a consumer account during an active fraud investigation, while refusing provisional credit and failing to properly investigate, is concerning and appears to violate consumer protection regulations under the Electronic Fund Transfer Act ( Regulation E ). The total fraudulent amount currently identified is approximately {$500.00}, though additional transactions may still be under review. I have uploaded the following supporting documentation : FTC Identity Theft Report Unauthorized transaction timeline Dispute letter sent to Chime Screenshots and transaction evidence Last authorized transaction documentation I attempted to resolve this issue directly with Chime, but they failed to provide a fair resolution. I am requesting CFPB assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
i opened a account with associated bank made a couple cash deposits amounting to about XXXX and set up direct deposit at my employer it is several days/weeks and still can not touch my funds that were previously deposited or my work check deposit i have no money to get to work and they are holding over XXXX of my money and refused to help or removed the freeze instead insisted that i wait to be contacted and still no one has contacted me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXXXXXX 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 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 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
this company has made three inquiry to my credit report witch i didn't not authorize there not mine

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 2026-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
I am submitting this complaint because Westlake Financial is reporting information on my credit report that appears inaccurate and/or inconsistent across the credit bureaus. This auto loan account is being reported as a charged-off/collection account with a balance and past-due amount of {$5900.00}. However, the reporting is not consistent between XXXX XXXX, and XXXX. The date opened is reported differently, the high credit amount is reported differently, and the comments/status language are not the same across the bureaus. In addition, the account continues to show a charged-off balance and derogatory payment history that I am disputing as inaccurate and/or incomplete. Specifically, I am disputing the inconsistent reporting of the account details, including but not limited to the date opened, high credit amount, status/comments, and balance/past-due information. I am requesting that Westlake Financial conduct a reasonable investigation, verify the complete accuracy of the information being furnished, and correct or delete any information that can not be properly verified and reported accurately and consistently to all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally report that the domain XXXX is being utilized to facilitate a documented wire fraud operation. As a victim of this operation ( XXXX XXXX/Zelle, Transaction ID : XXXX ), I have conducted an investigation and identified the following : XXXX. Stolen Intellectual Property : The website utilizes stolen imagery from a legitimate XXXX business ( XXXX XXXX XXXX XXXX represent non-existent facilities in the U.S. 2. Verified Fraudulent Payments : Funds are solicited via Zelle to a profile registered to " XXXX XXXX '' ( XXXX ). XXXX. Non-Existent Locations : The physical addresses provided to victims after payment are either empty lots or residential homes with no connection to the business. I have already filed formal reports regarding this specific entity and transaction with the FTC, the IC3 ( FBI ), and the OCC.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: IA

Complaint narrative:
It has been 130 days since my cashapp account has been closed. I have not been able to withdraw my {$1400.00} or so dollars in my account for 130 days its been stuck. Everytime I contact cashapp they ask for my email so they can have a support team contact me. I send them my email and in return I sit for week and get no email back so that leads me to have to contact cashapp again and when I do I am met with the same response, to please send my email and wait for the support team to contact me. I have been stuck in this loop for 130 days and havent received one single email, its always the same thing, they ask me to wait and be patient when I have waited 130 days! That is unacceptable and I need my money {$1400.00} is a lot!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
Product : Mortgage Issue : Problem with payoff process / incorrect payoff statement Complaint : I am filing a complaint regarding an inaccurate payoff statement and an improperly imposed prepayment penalty by my loan servicer, XXXX. On XX/XX/year>, XXXX issued an official payoff demand statement for my loan in the amount of {$490000.00}. This payoff statement did not include any prepayment penalty. My new lender relied on this payoff statement to fund my refinance transaction and transmitted the payoff funds to XXXX in accordance with the stated amount. After the loan was funded, XXXX claimed that the payoff amount was short by approximately $ {$24000.00} due to a prepayment penalty. This was the first time such a penalty was disclosed in connection with the payoff. XXXX is now asserting that a corrected payoff statement was issued on XX/XX/year>. However : -Neither I nor my lender received any corrected payoff statement prior to the loan funding ; -My lender has confirmed that the only payoff statement received from XXXX was dated XX/XX/year> ; -No updated payoff amount was communicated before funds were disbursed. The refinance transaction was completed in good faith reliance on the XX/XX/XXXX payoff statement provided by XXXX. Servicing The failure to provide an accurate payoff amount, or to properly deliver any corrected statement prior to funding, constitutes a servicing error. I am requesting that XXXX : -Honor the XX/XX/year> payoff statement as binding ; -Waive the $ {$24000.00} prepayment penalty ; -Confirm that my loan has been paid in full with no remaining balance ; -Provide documentation showing when and how any corrected payoff statement was allegedly delivered. This situation has caused significant financial stress and appears to reflect a failure in XXXX payoff processing and communication procedures. I request prompt resolution of this matter. Desired Resolution : Waiver of the $ $ XXXX penalty and confirmation that the loan is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NC

Complaint narrative:
I am submitting an updated complaint regarding inaccurate and unverified information being reported by Jefferson Capital Systems on my credit report. I previously disputed this account, and the company responded by stating that the account belongs to me. However, they failed to provide any documentation to support this claim. Specifically, they did not provide : The original creditor A signed agreement or proof of obligation A complete account history Documentation supporting the reported balance Additionally, the information being reported is inconsistent and misleading. The account shows a Date Opened of XX/XX/XXXX, while also reporting a date of first delinquency of XX/XX/XXXX. This discrepancy raises serious concerns about the accuracy and integrity of the reporting and may misrepresent the true age of the account. Despite my request for validation, the company has not provided sufficient evidence to verify this debt or ensure the accuracy of the information being reported. Under the Fair Credit Reporting Act, all information reported must be accurate, complete, and verifiable. Simply stating that the account belongs to me without providing supporting documentation does not meet this requirement. I am requesting : Full validation of this alleged debt, including original creditor information, account history, and proof of obligation Verification of the correct date of first delinquency Correction of any inaccurate or misleading information If this account can not be properly verified, I am requesting that it be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
I am filing this complaint against Debt Recovery Solutions , LLC regarding a collection account being reported on my credit file that I do not recognize and do not owe. The account in question reflects an alleged balance of {$1100.00}, reportedly originating from Purpose Financial. I have no knowledge of this account, have never entered into any agreement with this creditor, and did not authorize any such obligation. This matter raises serious concerns under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically : Under 15 U.S.C. 1681e ( b ) ( FCRA ), consumer reporting agencies and furnishers are required to ensure maximum possible accuracy. Reporting an account that does not belong to me is a violation of this requirement. Under 15 U.S.C. 1681s-2 ( b ), upon dispute, furnishers are required to conduct a reasonable investigation. I am requesting proof that such an investigation has been conducted and verified with competent evidence. Under the FDCPA ( 15 U.S.C. 1692g ), I have the right to request validation of the debt. I am formally requesting full validation, including : A signed contract or application bearing my signature Documentation showing I am legally obligated for this debt Complete payment history and accounting of the balance If this account resulted from identity theft or mixed file reporting, then continuing to report it without proper verification constitutes further violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synergetic Communication Inc
State: FL

Complaint narrative:
Dear XXXX, I was affected by Covid-19 by losing my job and I received federal assistance under CARES Act. XXXX apartment got acquired by 10x when I was a tenant during covid-19 and 10x management took it over. After the hostile takeover, they denied my rental assistance grant for no reason. I have evidence which I provided to the court. I was granted rental assistance from XXXX XXXX and XXXX of XXXX XXXX. I sued them in federal and state court for violating Fair Housing Act and CARES Act. They had filed an eviction action against me for non-payment even though I was granted rental assistance and they evicted me illegally. I deny to be held responsible for this rent that they claim I owe them. Out of spite and bad faith, they denied my rental assistance due to my nation of origin. I have a non-American name and the manager knew that I was from the XXXX XXXX. They accepted an American woman 's rental assistance who I had helped to receive rental help from the City of XXXX XXXX at the time but they denied me for being from the XXXX XXXX. I had filed a complaint with HUD against this apartment complex for violating my federal rights under Fair Housing Act. I would like this collection record to be removed from my credit report. I did not even receive any email or mail from this company. They did not communicate with me in any way so that I could dispute it. I saw it in my credit report as an alert. I already had a legal battle with this company in 2022. This company has no right to put this collection in my record just to ruin my life now after 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
In XX/XX/XXXX2023 I contacted westlake bank and told them the engine stopped working 3 months after I got the car, they were aware I had gap insurance I tried to voluntarily surrender which I was told they do not want the car as its not working. I contacted them for months stating I have a right to surrender. Almost 3 years has passed and I received a call from an express capital services repo person XXXX on XX/XX/XXXXXXXX26 stating they want to get the car she also explained that the bank has taken the gap insurance money for the car yet I was not notified, I called the bank and requested an updated breakdown in which they told me they did not have I said if the insurance money was already taken which in Nj has to be XXXX days after we are already 3 years why do you not have an update.The customer service rep then sends me my contract and a payment history I said that does not suffice what is needed, they continue to provide no information in which under NJ law I am required.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: VA

Complaint narrative:
On XX/XX/year>2026, Selene Finance sent a letter regarding the mortgage loan for the property located at XXXX XXXX XXXX identifying XXXX XXXX as the sole mortgagor and borrower. In that same letter, Selene states that the debt must be disputed by XXXX XXXX and that collection efforts would be impacted based on his response. However, XXXX XXXX XXXX XXXX is the party disputing this debt and is directly tied to the property, yet the XXXX is not referenced, acknowledged, or addressed anywhere in the correspondence. Additionally, Selene Finance states in its correspondence that XXXX XXXX XXXX call to discuss the loan ; however, when I have called, I have been refused information and told they can not discuss the account with me. This creates a serious issue regarding the accuracy of the loan records and raises concerns about how Selene Finance is attempting to collect or enforce a debt against a property while directing all communication and rights to dispute solely to a different individual, while also refusing to provide information when I attempt to resolve the issue. I have requested clarification and documentation explaining why only XXXX XXXX is being recognized as the borrower and why XXXX XXXX XXXX XXXX is not identified, despite being the party actively disputing the debt. Selene Finance has failed to provide a clear explanation or documentation addressing this discrepancy. While this matter is being disputed, we are willing in good faith to resolve the principal balance of {$310000.00} ; however, we do not agree to or have not been provided sufficient documentation supporting additional fees, interest, or charges beyond that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NY

Complaint narrative:
My account was compromised and I had XXXX .. dollars balance. However they was not able to withdraw the funds since they didnt know my pin and now the account is close and Im trying to get my funds. Cash App told me to create another account to have the funds transfer and I did but they wont let me proceed and make me appeal again and again and no resolution to my matter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint regarding a mishandled XXXX insurance claim tied to my auto loan with Capital One Auto Finance following a total loss accident on XX/XX/XXXX. My insurance company XXXX XXXX XXXX issued a total loss payment of approximately {$12000.00} on XX/XX/XXXX. The remaining balance of approximately $ XXXX was expected to be covered by XXXX insurance. However, due to repeated misinformation and lack of proper guidance from both Capital One and the dealership, my XXXX claim was significantly delayed. I was initially instructed to send documents via email ( VIN, police report, account details, warranty cancellation ), and repeatedly told that my documents were unreadable, without being properly directed to the correct claims process or portal. It was not until late XX/XX/XXXX that I was finally informed about the proper XXXX claims submission process. Even after that, I continued to receive conflicting instructions and repeated requests for documents well beyond the expected timeframe. As recently as XX/XX/XXXX, I was still being actively assisted and instructed to upload specific documents by representatives, only for the claim to suddenly be denied due to a 90-day filing limitation. This is despite the fact that the delays were caused entirely by miscommunication and lack of proper direction from the involved parties. Additionally, I have been informed that the XXXX XXXXontract was canceled and backdated to the date of loss ( XX/XX/XXXX ), and that any refunds are to be handled by the dealership. However, this has created further confusion and does not resolve the remaining loan balance still reflected on my account. Additionally, I made out-of-pocket payments from XXXX through XX/XX/XXXX to prevent negative credit reporting while this claim remained unresolved due to delays and misinformation. These payments were made in good faith and would not have been necessary if the XXXX claim had been properly processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent a clear written instruction via email to XXXX to reduce my insurance coverage as I am currently residing in XXXX, XXXX XXXX. However, XXXX completely ignored my legal request and unauthorizedly withdrew {$740.00} from my Chase XXXX account ending in XXXX. When I filed a legitimate dispute with Chase Bank to recover these funds, Chase responded by placing a temporary block on my account. This retaliatory action prevented me from managing my finances and caused an " Insufficient Funds '' situation for my essential recurring bills, including my US phone service. To protect my financial standing and prove my identity, I was forced to complete an emergency international wire transfer of {$500.00} from my XXXX bank ( XXXX XXXX ) to my Chase account on XX/XX/XXXX ( Transfer REF-NO : XXXX ). I have attached the transfer confirmation as evidence. Despite my multiple attempts to resolve this via secure messages, Chase continues to demand an international phone call, which is impossible due to the time difference and my location. I demand an immediate full refund of {$740.00}, the removal of all account blocks, and the waiving of any penalties caused by this incident.

Company response to consumer: Closed with monetary relief