vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
" I am filing this complaint against Bread Financial ( Comenity Bank ) regarding an unjust and unreasonable security hold placed on my Bread Rewards XXXX XXXX XXXX.The security hold was triggered by my own valid online and in-store purchases. Today, XX/XX/year>, I complied with the bank 's request and emailed clear copies of my government-issued driver 's license and a utility bill to verify my identity.When I called customer service to expedite the review, the representative stated that front-line agents are unable to view emailed documents and informed me that a manual review takes up to 30 days. Denying access to my credit line for 30 days after I have already provided immediate, definitive proof of identity is an unreasonable banking practice that is causing me severe financial hardship.I demand that Bread Financial immediately route my emailed identity documents to a back-office supervisor or an Account Protection analyst with the proper security clearance to review them, verify my identity, and fully restore my account access within 24 to 48 hours. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sunlight Financial LLC
State: CA

Complaint narrative:
I am the borrower on a solar loan originated through Sunlight Financial LLC and funded by XXXX XXXX XXXX ( Loan Number : XXXX, original amount {$27000.00} ). I have been making timely monthly payments since XX/XX/XXXX. On or around XX/XX/XXXX, Sunlight XXXX sent me a formal demand letter ( attached ) incorrectly addressed to me as if I were the solar dealer/installer. The letter demands immediate repayment of the full principal amount ( {$27000.00} ) for an alleged breach of Section XXXX of a Program Agreement related to failure to achieve XXXX XXXX. This letter is clearly intended for the solar dealer ( XXXX XXXX XXXX ), not the homeowner/borrower. XXXX XXXX XXXX filed for bankruptcy shortly after installing my system. My solar system was fully installed and has been operational since XXXX and is producing power. I promptly responded in writing on XX/XX/XXXX, disputing the demand. I followed up again on XX/XX/XXXX, I attempted to call on XX/XX/XXXX and XX/XX/XXXX with no answer or return call. I sent a formal response on XX/XX/XXXX explaining that I am the borrower ( not the dealer ), and attaching proof including : Recent utility bill showing solar production/credits Screenshot of solar production data through Net XXXX ( an app ) Sunlight replied asking for the most recent utility bill again ( which had already been provided ). I resent it immediately on XX/XX/XXXX. Since then, I have received no further response or confirmation that the misdirected demand has been withdrawn. This improper demand letter has caused me significant stress and appears to be an attempt at improper debt collection activity against the wrong party. I have attempted multiple times to resolve this directly with Sunlight ( including calls and emails to XXXX XXXX ) with little to no success.

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 2026-06-01 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:
I purchased a patio set from XXXX for XXXX dollars the set was missing parts so I returned it in hopes to get a replacement XXXX said they didnt have a replacement in stock so they issued me a refund the refund never showed up I went back to XXXX they said its been sent from there end and to check with my bank I asked them for a receipt which they printed out for me as well as an confirmation email which they also provided I disputed the amount with chime provided all my proof and a couple days later my dispute was denied I contacted chime and asked to be provided with the documents used in the decision of my dispute I have not received them I spoke with the dispute team supervisor who reopened the case because and I quote I dont see any documents used except the ones you provided so now Im waiting for invisible documents to be sent to me and I still dont have a reason as to why my dispute was denied if all my proof is accessible and available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CO

Complaint narrative:
My account was logged into by an unauthorized user while they were pretending to be a chime banking representative. I was cohered into transferring my funds out of my bank account to a third party money transfer service and into the scammers personal debit card. I do not personally know the scammer, I did not know I had been scammed till hours later. I have tried to keep my dispute open but it falls into a gray area of authorized transactions. I have also tried to set up further security measures with my bank but they do not have anything else available to protect my bank account. I have received information regarding my dispute being closed but no information as to the why or if there were unrecognizable devices on my account at the time of the transaction. I don't want the scammer to get away with putting me back into the financial debt I had just crawled out of.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On Thursday, XX/XX/year> at approximately XXXX XXXX, I was the victim of a bank impersonation scam. I received a phone call from someone claiming to be from my banks fraud department. The caller told me there was suspicious activity and instructed me to take steps to secure my account. Believing the caller was legitimate, I followed their instructions and used Cash App to send approximately {$4000.00} using my linked debit card. It was 2 transactio n one of XXXX and the second for XXXX. The entire transaction was completed while I was on the phone with the scammer, who guided me step-by-step. I later learned this was a fraud scam. I immediately went to my bank to stop the transactions and reported the issue and filed a dispute with Cash App. On Monday, XX/XX/year> Cash App denied my claim on the basis that the transaction was authorized, even though I was deceived through a real-time impersonation scam. I am requesting a full review of the transaction and Cash Apps handling of my dispute. I am also requesting reconsideration of reimbursement due to fraud/impersonation. My bank is currently investigating the matter. They said they will get back to me in 10 days with their findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Dear Customer Service, I am writing to express my frustration regarding an unresolved balance on my former XXXX XXXX credit card account. I originally opened a XXXX XXXX credit card through Bank of America and used the card to book a flight. However, XXXX XXXX ceased operations before my scheduled flight took place. After learning this, I contacted Bank of America and spoke with a representative who was very helpful. The representative assisted me in converting my XXXX XXXX credit card to a Bank of America credit card with no annual fee and assured me that I would not incur any charges related to the canceled flight since XXXX XXXX had closed before the service was provided. However, on XX/XX/year>, I received a bill in the mail showing an outstanding balance on the account. Confused, I contacted customer service and spoke with two representatives as well as a supervisor, XXXX XXXX. Although XXXX XXXX acknowledged that he could see the transaction in question, he informed me that there was nothing he could do and that I would either need to pay the balance or contact XXXX XXXX to determine why the account had not been fully refunded. This response was extremely disappointing and frustrating. I was placed in the position of having to pay for a transaction tied to a flight that never occurred because XXXX XXXX ceased operations before my scheduled departure. Since no resolution was offered, I paid the balance in full and closed the account. I believe this situation was handled unfairly and would appreciate a review of my account and the circumstances surrounding this charge. I would also appreciate an explanation as to why I was held responsible for a balance related to a service that was never provided. Thank you for your time and attention to this matter. 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 explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am disputing this debt because the phone in question was never in my possession and has never belonged to me. The device belongs to my sister, and I have filed a police report regarding this matter. I was informed by XXXX that, in order to remove the phone from my account, it would be transferred to my sisters account. My sister contacted XXXX and was waiting to receive a final bill to complete the payment arrangement. I have text message records and receipts that support this. Despite these efforts, this account continues to appear on my credit report. Since I have never owned, possessed, or used the device or the phone number associated with it, I am requesting that this debt be investigated and removed from my credit report. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MA

Complaint narrative:
Cash App Account was taking over and {$860.00} dollar was withdrawn from my account XXXX then minutes later {$8.00} was withdrawn from the same company. Filed a dispute. They denied by {$860.00} but approved the XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
Rocket Mortgage just reported my loan as past due more than 120 days on XX/XX/XXXX which just tanked my credit score by XXXX points. My account is current and has been current for a long time. Rocket took over my mortgage with XXXX XXXX for which I did a loan mod which was very problematic for which I involved the CFPB. It all finally got straightened out in XXXX of XXXX. All my trial payments were made on time throughout XXXX, XXXX and XXXX. Actually NEVER was I 120 days late on my mortgage with XXXX XXXX. I can not understand why Rocket reported my account as seriously delinquent on XX/XX/XXXX to the credit bureaus. I have contacted them multiple times and requested they report in that the account is in fact current and they refuse to. They just asked me today " Would you be able to email any notice of being past due to our research team? '' for which I answered no because neither Rocket or XXXX XXXX ever sent me these notices because my account is/was NOT past due. This just makes no sense. I can not understand why they will not report my account as current. Can you please assist?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
I am submitting this complaint regarding Exeter Finances reporting of an auto loan account on my credit reports. I disputed the account directly with Exeter Finance and requested an investigation into the accuracy of the information being reported. Exeter responded by stating that the account information was verified as accurate ; however, they failed to provide sufficient documentation supporting their conclusions. Exeter is reporting a charged-off balance of approximately {$26000.00} to XXXX, XXXX, and XXXX. Despite verifying the account, Exeter did not provide a complete accounting showing how this balance was calculated. I have not been provided with documentation supporting the charge-off amount, interest calculations, fees assessed, credits applied, or any accounting related to the vehicle after it was declared a total loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: KY

Complaint narrative:
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I place an order on XXXX/2025 on XXXX schedule for next day delivery but it came a week later, I return the tv, since it was a third party merchant I had to pay XXXX on return shipping, XXXX promised to reimburse me for it. The merchant claims the item was damaged and can not refund me, I made a claim with XXXX and was denied since its a third party merchant I called the merchant to refund and months later after the claim was denied they refuse to refund me, so I told them to return the tv instead or I can pick it up. But they have lost the tv and still refuse to refund me. Please help

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 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I'm seeing a {$900.00} collection from Caine and Weiner on my credit report. I never authorized them to share my personal information for this purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
My monthly mortgage payment increased sharply over the last XXXX months, from {$3500.00} to {$4700.00}. After reviewing my account, I discovered XXXX large escrow disbursements that I never authorized : - Post date XX/XX/XXXX : Escrow charge of {$6300.00} - Post date XX/XX/XXXX : Escrow charge of {$6300.00} These charges appear to be insurance-related and began after I changed my homeowners insurance carrier on XX/XX/XXXX. My new policy provides continuous coverage and there was no lapse in my home insurance at any time. Despite this, the servicer disbursed funds from my escrow account for what appears to be force-placed or duplicate insurance, drawing down my escrow balance and causing my monthly payment to rise dramatically. I provided proof of my new insurance coverage to the servicer. On XX/XX/XXXX I emailed a copy of my homeowners insurance policy to the servicer 's insurance department ( XXXX ), explaining that I had changed insurers as of XX/XX/XXXX and attaching the policy documentation. I also contacted the servicer by phone and requested a full audit of my escrow account. I am asking for : ( XXXX ) a complete audit and accounting of all escrow disbursements over the past XXXX months ; ( XXXX ) a refund of the XXXX unauthorized escrow charges totaling {$12000.00} ; and ( XXXX ) correction of my monthly payment to reflect the proper escrow balance now that valid, continuous insurance coverage has been documented.

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 2026-06-01 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I noticed a pending transaction for {$2600.00} on my checking account. It shows XXXX XXXX XXXX. When I called XXXX to ask about this, they continually stated that I authorized a payment for that amount. I repeatedly told them I had not authorized this and was told there was nothing they can do. The payment was being made to my XXXX credit card through XXXX XXXX. I was asked to speak to them and was transferred but nothing was resolved. They said they would look into and someone would get back to me. I didn't hear anything as of XXXX so I called again and was told they had 60 days to refund me the money. No provision credit or anything and this is completely fraudulent. I did some research and found that over a dozen transactions using XXXX were fraudulent. I have a username of someone that was sent money from my account, an email address of where e-Giftcards were sent clearing showing fraud but I am still not being refunded. The total amount of fraudulent transactions over my checking account and XXXX credit cards is over {$5000.00}. When I called Chase bank to dispute and have the {$2600.00} charge returned, they did not do this. They too are investigating and state it could take up to XXXX business days for the money to be returned. My question is, where are my consumer rights?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation