vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: KY

Complaint narrative:
I was contacted at my place of employment by an individual claiming to be calling from my local county police department. I was told I had outstanding warrants for contempt of court and failure to appear to a grand jury summons. I was told since I never received the summons I would need to pay the bond on the warrants and a signature analysis test at the XXXX XXXX XXXX XXXX. They knew where I worked, they had my official mailing address and even my public background information. I was instructed to remain on the phone and to not disconnect the call. Over the course of the next hour and a half I had transferred a total of {$3000.00} to a fellow Chime user via pay anyone. After the call was disconnected I contacted local authorities and realized this was a scam. I want to note that they spoke professionally, used legal jargon, and there was even police radio chatter in the background. I immediately contacted Chime customer services and was informed that this users account was flagged/closed and that I needed to file a police report to recoup my money. I was told to call back once I had a report number. Not only did I file a police report, but also a report with the local FBI office. When I called customer service back with my police report number I was told that I was given misinformation and this type of banking transfer does not constitute fraud since I initiated the transfer and that no action can be taken by the banking institution. This user is still active as a Chime member and I believe they are still taking money from innocent individual 's. It is now several weeks later and this persons account is still active for pay anyone money transfers. However my account is blocked from requesting money, which is how I was told I could get my money back. I contacted customer service again to report this user as an active threat to other customers and was told they can not take any action against or even investigate this persons account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Statebridge Company
State: GA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX ( XXXX ) et. al. and its servicer, Statebridge Company , LLC, for engaging in predatory " equity stripping '' and unfair business practices. Summary of the Issue : Since XXXX, I have occupied the property at XXXX XXXX XXXX under a " Lease with Option to Purchase. '' While labeled a lease, the actual conduct of the parties makes this a disguised mortgage/installment land contract. I have paid over {$90000.00} toward a {$100000.00} original price, and the company has officially credited {$12000.00} toward my principal balance. The company is attempting to force a " buy or leave '' demand requiring me to take out a mortgage to pay the " balance. '' This is an illegal attempt to seize my significant investment and permanent improvements. I have already directly paid them over {$90000.00} ( $ XXXX since XXXX ) on a {$100000.00} contract. The company is demanding an {$88000.00} balance to secure the property, which would result in a total purchase price of almost $ XXXX. Evidence of Ownership Interest and Bad Faith : Substantial Permanent Improvements : In reliance on the promise of ownership, I've invested tens of thousands of dollars in repairs and improvements to the property, including a $ XXXX restoration of an XXXX ft in-ground pool. Under Georgia law, this creates a clear equitable interest. History of Deceptive Litigation : In XXXX, Statebridge attempted a " wrongful eviction '' based on " accounting errors '' I'd been attempting to resolve for years. I was forced to pay eviction fees I did not owe, and file a counterclaim and a XXXX complaint to prove my payments. The company ultimately dismissed the eviction and corrected their accounting, admitting to the error in the public record [ through the XXXX ]. Unconscionable Terms : The company is attempting to treat my {$90000.00} in payments as simple rent, and the permanent improvements I've made to the property as immaterial. Requested Resolution : I request that this situation be investigated for violations of the Truth in Lending Act ( TILA ), Georgia 's consumer protection laws and whatever else may apply. I am seeking a resolution that recognizes my equitable title, prevents a summary eviction, and provides a fair path to title transfer that accounts for my $ XXXX investment. I can provide much more evidence if required.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BSI Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, the buyers title company sent a cashiers check via XXXX to my mortgage servicer, BSI, to pay off my loan at closing. I have XXXX tracking confirming delivery, and BSI later confirmed by email that the check was received. BSI later informed me that the payoff check had been routed to the wrong department internally. Because the payment was not processed in time, an automatic debit of {$4600.00} was executed from my account on XX/XX/XXXX. On that same day, XX/XX/XXXX, a three-way call took place between myself, BSI, and the buyers title company. The issue was corrected immediately, the buyers tittle company was charged and the account showed paid in full on the BSI portal that same day. I requested an immediate reversal of the {$4600.00} draft. Despite the account being acknowledged as paid on XX/XX/XXXX, BSI retained my {$4600.00} for XXXX additional days, issuing the refund only on XX/XX/XXXX. BSI stated that this delay was due to internal procedure. The misrouting of the payoff check and the delay in refunding my funds were internal operational issues outside my control. During this period my funds were unnecessarily withheld even though the loan had already been satisfied. This delay created measurable financial harm, including liquidity disruption to my business operations and inventory purchasing cycle. I am requesting that this matter be formally reviewed and that appropriate reimbursement be considered for the financial impact caused by the servicing error and refund delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Opened a credit card in XXXX and was charged the annual fee. I called to ask why, they said Im not in the XXXX. I checked the XXXX website, Im in there. They then said I had to go through XXXX. Did that, they again said Im not eligible for XXXX. Multiple phone calls, chats in the app, and letters back and forth. I cant recall all dates. Ive attached the XXXX denial letter. I dont have the XXXX denial letters on hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received counterfeit jeans that were completely different from the listing photos ( Bait-and-Switch ). PayPal officially confirmed the fraud and instructed me to return the items for a refund. To comply, I spent a cumulative total of {$760.00} in international shipping fees ( including a {$500.00} payment on XX/XX/XXXX ). The tracking shows the package reached the destination country, but the seller intentionally refused to cooperate with customs, causing an involuntary return. I provided all shipping receipts and PayPals fraud ruling to the bank. I even spoke with a Supervisor on XX/XX/XXXX, who promised a re-investigation. However, the bank continues to issue generic denials ( the latest on XX/XX/XXXX ), claiming " no evidence of a billing error '' while completely ignoring my {$760.00} out-of-pocket loss and the seller 's documented non-cooperation. The bank is failing to protect me from a confirmed fraudulent merchant.

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 2026-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
I am filing a new complaint because Cash App failed to provide evidence or conduct a reasonable investigation in response to my previous CFPB complaint ( XXXX XXXX. XXXX ). Their response was a template denial that did not address the issues I raised, did not include any supporting documentation, and did not meet the requirements of Regulation E. Cash App claimed the disputed bitcoin withdrawal was authorized using my credentials, but they provided no evidence such as device ID, IP address, login timestamps, geolocation, 2FA logs, or session history. They also claimed I personally designated the external wallet address, but provided no proof of this, no confirmation logs, no screenshots, and no record of any exceededlimit prompt or redirect approval. I continue to assert that the transaction was unauthorized. Cash App has not demonstrated how the external wallet address was selected, how the redirect was initiated, or how my credentials were allegedly used. They did not address the contradictory explanations I received from their support team, the missing audit trail, or the fact that the transaction does not appear on my official account statements. I request that the CFPB require Cash App to provide : 1. Device, IP, and login history for the date of the transaction 2. 2FA and authentication logs 3. Any record of a redirect prompt or exceededlimit notification 4. Evidence that I approved or entered the external wallet address 5. A complete internal audit trail, including internal notes and system logs Cash App has not met its obligations under 12 CFR 1005.11 ( c ) and 1005.11 ( d ). I am requesting a new investigation and regulatory review of their handling of this unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-13 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I was the victim of a scam involving a fraudulent merchant that collected payment through a payment link. Two charges totaling {$1100.00} appeared on my American Express account on XX/XX/year> ( {$99.00} ) and XX/XX/year> ( {$1000.00} ). When I discovered the fraud and contacted American Express, my dispute was denied because it fell outside the 60-day billing dispute window. However, this situation involves a fraudulent merchant and misrepresentation rather than a normal billing dispute. I have reported the matter to the payment processor and the FTC. I am requesting that American Express reconsider this case as a fraud investigation rather than applying the billing dispute time limit. Instead they have been giving me the run around and being unhelpful when I request for it to be reviewed as fraud by a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Climb Credit Inc.
State: MA

Complaint narrative:
At the end of XX/XX/XXXX, I signed a contract with XXXX. They were fraudulently operating as a school. The legal agreement was that they would assist me in getting a job within 12 months. They received a deferred loan payment through Climb Credit. If they did not succeed, I was not responsible in paying anything and they would pay Climb back directly. At the beginning of XX/XX/XXXX, the agreement period lapsed. I have in writing that I was never placed in a job and they would pay Climb Credit back. However, they claimed bankruptcy less than a month later. Now Climb is trying to collect an unenforceable loan. I still do not have a job. I am in no way responsible for this loan, yet Climb is still illegally claiming Im missing payments on a loan that I AM NOT RESPONSIBLE FOR. They refuse any and all communication because they know what they are doing is illegal. There are currently lawsuits open against them and XXXX. Please assist me in ceasing their harassment of me and the cancellation of this fraudulent loan that I am not responsible for. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am requesting that the credit reporting agencies and furnishers conduct a complete investigation of all disputed items, including inaccurate addresses, the collection account, and unauthorized inquiries listed above. Any item that can not be fully verified with accurate documentation under the Fair Credit Reporting Act ( FCRA ) should be promptly corrected or permanently removed from my credit report. I also request written confirmation of the investigation results and the methods used to verify each disputed item.

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 2026-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am requesting that the credit reporting agencies and furnishers conduct a complete investigation of all disputed items, including inaccurate addresses, the collection account, and unauthorized inquiries listed above. Any item that can not be fully verified with accurate documentation under the Fair Credit Reporting Act ( FCRA ) should be promptly corrected or permanently removed from my credit report. I also request written confirmation of the investigation results and the methods used to verify each disputed item.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Climb Credit Inc.
State: NE

Complaint narrative:
I contacted this one company that had the loan it was something financial some where in the U.S.A im been trying make a payment for 2 month since I have proper income now. Was unable to find a job for years now. My loan has been pass around to lenders I contacted the last lender 's that had my loan haven't heard anything back trying to get my credit up since the income. I XXXX everything about my loan on where it is where I could find my credit report shown its bouncing all over now its lost I also contacted the school thy contacted the lender that had it. I have no idea what to do now im lost single mother of XXXX trying pay off her debt so my son doesnt have that burned when he grows up. Additional information provided by consumer : XXXX Company Name : Climb Credit Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX Phone : XXXX Website : climbcredit.com Additional information provided by consumer : XXXX Correct company phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the following account that appears on my credit report. Creditor : Credit Corp Solutions Inc . Account Number : XXXX Reported Balance : {$4300.00} Date Reported : XX/XX/XXXX I am requesting a full investigation of this account pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. After reviewing my credit report, I have reason to question the accuracy and completeness of the information being reported. Specifically : The account is listed as a debt-buyer account, yet no documentation is provided to prove that Credit Corp Solutions Inc. has legal ownership of this alleged debt. The Date of First Delinquency ( XX/XX/XXXX ) appears inconsistent with the reported account opening date of XX/XX/XXXX, which raises concerns about the accuracy of the reporting. The payment history and status codes listed ( XXXX, XXXX, XXXX ) require verification and explanation. Because of these discrepancies, I am requesting that the credit bureau verify this account with the original creditor and provide documentation showing : Proof that this debt legally belongs to me Proof that Credit Corp Solutions Inc. has the authority to collect this debt A signed contract or agreement bearing my signature A full accounting of the alleged balance If this information can not be verified, I request that this account be deleted from my credit report immediately in accordance with the Fair Credit Reporting Act. Please send me the results of your investigation and an updated copy of my credit report once your review is complete. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IN

Complaint narrative:
Chime misrepresented how there my-pay is used. And while I was under the impression that my Account was in good standing I had a deposit from a on line XXXX for XXXX. Chime took that money from me all a sudden and used it for the my pay option. They lead you to believe that my pay is for a person to use when you have a direct deposit pay check from the company you work for : I had won XXXX and chime took it from me and when I explained that it was a mistake on how it was sent they would not do anything to help me. That was the only money I had at the time due to hardship from being sick. I tried to get a supervisor that could actually help me and no one would direct me to someone. I had other money get deposited that never went to th my pay. So I was under the impression that my account was in good standing. So as I continued to use my account all a sudden I was out XXXX I was relying on. A large bank that makes all kinds of money wouldnt help me a loyal customer. They wouldnt even credit me a partial payment of my winnings. I cant believe how this this flawed logic or system is fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
My wages are being garnished again but the debt was already paid off, not sure why theyre doing it again. I havent received any correspondence from the collections company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am submitting this complaint as a victim of identity theft regarding a fraudulent account being reported on my credit profile by XXXX XXXX XXXX. I have already submitted identity theft documentation, including my FTC Identity Theft Report and supporting documents, to both Equifax and XXXX XXXX. Despite receiving this documentation, the fraudulent account continues to be reported on my credit file, which is causing ongoing harm to my credit score and financial reputation. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), once a consumer submits a valid Identity Theft Report and identifies information resulting from identity theft, the credit reporting agencies and furnishers are legally required to block and remove that fraudulent information from the consumers credit file within four business days. I have complied with all legal requirements and provided the necessary documentation to prove that this account is the result of identity theft. Therefore, the continued reporting of this account is a violation of my rights under the Fair Credit Reporting Act. Additionally, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ), debt collectors are prohibited from attempting to collect or report debts they know, or should know, are not valid. XXXX XXXX has been notified that this account is fraudulent and continues to report it anyway. This inaccurate reporting is causing serious and ongoing damage to my credit profile.

Company response to consumer: Closed with explanation