vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
Hello cfpb officer XXXX denied my dispute.XXXX never responsible for me bcz late dispute open. I'm sorry for late dispute why I'm late bcz I'm never check my XXXX. I'm very busy with my XXXX. Why I'm open Dispute. I have no connection with the transactions that have occurred from my account. I don't even know those merchants.I couldn't take action quickly, it was my failure, so why am I not getting the right solution? Merchant name : XXXX, XXXX And XXXX. I don't know how these transactions actually happened, I don't understand, but it's true that dollars were stolen from my account. But since I didn't make these transactions, I'm entitled to them, hopefully I'll get the right solution. My XXXX=information XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX I'm old now, I don't remember much. I'm not familiar with crypto currencies or XXXX and XXXX merchants. Please bring back my dollars. I am suffering from an XXXX XXXX XXXX. I am not getting treatment due to lack of money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-04 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: TX

Complaint narrative:
On Wednesday, XX/XX/year>, multiple charges were made using my debit card associated with my Chime Mobile Banking checking account. Charge 1 was made at XXXX XXXX for the amount of {$50.00} Charge 2 was made at XXXXXXXX XXXX for the amount of {$50.00} Charge 3 was made at XXXXXXXX XXXX, for the amount of {$50.00} All three above charges were made at a Target at the following address ; XXXX XXXX XXXX XXXX, XXXX, TX XXXX Charge 4 was made at XXXXXXXX XXXX for the amount of {$190.00} Charge 5 was made at XXXXXXXX XXXX, for the amount of {$190.00}, but was declined as I did not have enough funds in my account. Charges 4 and 5 were made at an XXXX XXXX at the following address ; XXXX XXXX Central Expy XXXX XXXXXXXX, XXXX, TX XXXX Total amount stolen from me : {$340.00} I reached out to both retail stores XXXX XXXX XXXX XXXXXXXX XXXX ) to let them know the above transactions were purchased with stolen information, but they both told me they cant help and that my bank has to dispute these charges. I then contacted my banks customer service Chime at ( XXXX ) XXXX, on XX/XX/year> around XXXX XXXX. They asked me a few questions about my situation and said if they find my claim to be true, I would be reimbursed for the fraudulent charges. On Sunday, XX/XX/year> my dispute case was closed saying that I am not applicable for compensation of the funds stolen from me, with no explanation as to why. For context, I live in XXXX XXXX, Texas, while the charges were made at retail stores in XXXX, Texas. I am located about 10 hours away from XXXX, Texas. I have a full time job which I was at when these charges were made. I do know understand how the services at Chime think I made these charges, from hundreds of miles away.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: BMW Financial Services NA, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX I spoke with BMW Financial escalations supervisor XXXX regarding the missing information letter I received. She adamantly advised me, that the only way BMW Financial would accept the requested mileage was to complete, and return the document signed with complete mileage, so I did. In addition, I included my odometer disclosure statement with accurate mileage at the time of trading the BMW lease to XXXX. Afterwards, a few hours later I contacted BMW escalations supervisor XXXX again to confirm receipt. Now, she informed me, that she received the information. However, couldnt accept the mileage from me, that the mileage was only accepted from the XXXX, Maryland BMW dealership, and only accepted with the payoff. According to XXXX, XXXXXXXX Maryland BMW dealership submitted the payoff WITHOUT including the mileage. BMW Financial customer service is unscrupulous. Not to mention, XXXX is passive aggressive regarding customer support. She appears to have diabolical distain for me trading the vehicle prior to XX/XX/XXXX. The mileage request bait and switch is egregious. Not to mention, the BMW Financials shenanigans are preventing me from being allowed to place my Maryland permanent XXXX veteran tags on my new vehicle. Most importantly, forwarding the BMW payoff to XXXX XXXX XXXX XXXX because BMW Financial received the payoff on the due date of the Vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optio Solutions, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding an unresolved and improperly reported debt currently being pursued by a collection agency on behalf of XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX ). On XX/XX/XXXX, I submitted a detailed written dispute directly to the property management company regarding my final move-out statement. The dispute outlined multiple material inaccuracies, including : - Incorrect rent proration beyond my approved lease termination date ( XX/XX/XXXX ) - An invalid {$170.00} refund applied for a charge that was never paid - Duplicative and unsupported smoke-related damage charges - A final balance that can not be reconciled due to inconsistent ledger entries The property manager acknowledged receipt of my dispute on XX/XX/XXXX, and stated the account would be reviewed. However, no corrected accounting, documentation, or resolution was ever provided. Despite this unresolved dispute, the account has now been placed with a third-party debt collector ( Qualia Collection Services ) , who is actively attempting to collect the alleged balance. This constitutes an attempt to collect on a disputed and unverified debt without completing a reasonable investigation. Additionally, if this account has been reported to any credit bureau, it is being reported inaccurately and without proper validation. I am requesting the following resolution : - A full investigation into the accuracy of the alleged debt - Immediate cessation of all collection activity until the debt is properly validated - Removal of the account from any credit reporting agencies if it can not be fully substantiated - A corrected and itemized accounting with supporting documentation for all charges I have retained all documentation, including my original dispute and the property managements acknowledgment, and can provide it upon request. This matter has not been resolved despite good-faith efforts, and I am requesting regulatory assistance to ensure compliance with applicable consumer protection laws. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: WA

Complaint narrative:
am filing a complaint against SoFi Bank regarding their handling of a dispute involving unauthorized transactions totaling {$630.00} on my account ending in XXXX. I reported these transactions on XX/XX/year>, and initiated a formal dispute. On XX/XX/year>, SoFi informed me that their investigation was completed and provided documentation ; however, they did not properly resolve the issue and effectively denied my claim without adequately addressing my concerns or the facts of the case. These transactions were unauthorized/ not valid ( choose one and expand ) : * I did not authorize these charges and did not benefit from them, OR * The merchant failed to provide the goods/services as agreed, OR * My account/card information was compromised SoFi has not provided sufficient proof that I authorized these transactions. The documentation provided does not reasonably demonstrate my involvement or consent. I believe SoFi failed to conduct a reasonable investigation as required under federal regulations, including the Electronic Fund Transfer Act ( Regulation E ). I was not given a clear explanation of how they determined the transactions were valid, nor were my statements and evidence properly considered. Additionally, SoFi relied on transfers between my vault and checking account as part of their justification. However, this is misleading. My direct deposit is set up to go into my vault, and after denying my dispute, SoFi placed my direct deposit into my checking account instead. They later stated this was an accident. This internal account movement should not be used as evidence that I authorized the disputed transactions. This raises serious concerns that SoFi used inaccurate or internally generated account activity to justify denying my claim rather than conducting a fair and independent investigation. I am requesting that SoFi : 1. Reopen and properly investigate my dispute 2. Provide a detailed explanation of their findings and evidence 3. Refund the disputed amount of {$630.00} 4. Ensure compliance with Regulation E requirements for error resolution I am prepared to provide any additional documentation necessary to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I've sent two certified letters to LVNV Funding to provide documentation they are the lawful owner of the alleged debt and show proof they have a legal right to collect. I've been requesting, a complete and unredacted chain of title, including a valid bill of sale or assignment demonstrating the transfer of the alleged debt from the original creditor to LVNV Funding LLC. LVNV Funding have not provided that information, and now they have a third party by the name of " XXXX ' attempting to collect on a debt they have not validate. LVNV Funding is using every stalling tactic possible to continue in report inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: InDebted Corporation
State: NC

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have tried to resolve this collection with the credit bureaus, but it has not been corrected. The amount being charged to my credit is NOT my sole responsibility therefore I should not have to suffer to consequences. This is a rental collection that has been sold off to another company ( National Credit Systems ACCT - XXXX ) without my knowledge until it was already done. Since I have been called repeatedly from many different number all different times of the day, over many years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: NC

Complaint narrative:
I am submitting this complaint regarding unlawful debt collection activity tied to an account previously reported by * * JEFFERSON CAPITAL LLC * *. This alleged debt was already disputed, investigated, and ultimately removed from my credit report after I filed a complaint with the Consumer Financial Protection Bureau. Despite that resolution, a new third-party debt collector is now attempting to collect the same debt, which should no longer be considered valid or enforceable. This repeated collection effort raises serious concerns about violations of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Specifically, the continued attempt to collect a debt that has already been deleted and disputed constitutes a false and misleading representation under 15 U.S.C. 1692e, as well as the furnishing or use of inaccurate and unverified information. Additionally, the collector has failed to provide proper validation of the debt upon request, further violating my rights under federal law. While I understand that debts may be transferred or assigned, the resale or reassignment of a disputed and previously removed account without proper verification is deceptive and may also violate applicable state unfair and deceptive acts and practices ( UDAP ) laws. The continued use and sharing of my personal information in connection with an invalid or unverified debt is causing harm and may constitute unlawful data handling and harassment. I am requesting that this matter be investigated immediately. I demand that all collection activity cease, that this account not be sold or transferred again, and that any records of this alleged debt be permanently deleted. I also request written confirmation that this matter has been resolved and that no further attempts to collect this debt will occur. Failure to comply will leave me no choice but to pursue additional complaints and legal remedies for damages under federal and applicable state law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX To : Subject : Request for Deletion of Inaccurate/Obsolete Addresses Under FCRA To Whom It May Concern, I am writing to formally dispute and request the removal of inaccurate and obsolete address information listed on my credit report. Under my rights granted by the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), specifically 1681e ( b ) and 1681i, you are required to ensure maximum possible accuracy of all information reported and to conduct a reasonable reinvestigation of disputed information. The following addresses are incorrect, outdated, or not associated with me, and must be removed immediately : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX KS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX as listed on report ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX ( Note : Replace each line above with the exact old addresses from your credit report. Do NOT include your current address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX. ) These addresses are negatively impacting the accuracy of my credit file and may be associated with outdated or unverifiable information. I request that you : Conduct a reinvestigation of these addresses Delete any address that can not be verified as accurate and current Send me an updated copy of my credit report reflecting these changes Additionally, please ensure that these inaccurate addresses are not reinserted into my credit file without proper verification, as required under FCRA 1681i ( a ) ( 5 ). If you are unable to verify these addresses, they must be deleted promptly. Please complete this investigation within the 30-day timeframe required by law. Sincerely, XXXX XXXX XXXX XX/XX/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 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Revolut Technologies Inc.

Complaint narrative:
On XX/XX/year> at approximately XXXX XXXX local time in XXXX, XXXX, my XXXX was physically stolen. Within approximately XXXX minutes, the thieves used my device to make three unauthorised transactions from my Revolut general-purpose prepaid card ( saved on XXXX XXXX ) to XXXX, a cryptocurrency exchange : XXXX at XXXX, XXXX at XXXX, and XXXX at XXXX on XX/XX/XXXX ( UTC ). The funds were used to purchase Ethereum, which was then withdrawn to an external wallet by the thieves. None of these transactions were authorised by me. At approximately XXXX XXXX roughly XXXX minutes after the theft I reported my card as stolen and froze my Revolut account. I contacted Revolut via email on XX/XX/XXXX to dispute these transactions as unauthorised ( Revolut case number : XXXX ). Revolut 's response directed me to their in-app chat, which I can not access as I no longer have my phone. When I replied explaining this and formally invoked my rights under the Electronic Fund Transfer Act and Regulation E, I received no substantive response. Revolut has not opened a fraud dispute, has not provisionally credited my account, and has not escalated my case to their fraud team despite my written requests. I have filed reports with the FBI IC3 ( complaint number : XXXX! XXXX ) and the FTC ( report number : XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: UMB FINANCIAL CORPORATION
State: IL

Complaint narrative:
Ive just encountered a lot of difficulties in verifying myself before I was issued a credit card. Then when I made a payment for some reason it didnt go through and was finally cleared which I was told my card would be on a hold til the XXXX of XXXX. Although they received my payment of over {$2800.00} the card was still on a hold as of XXXX. The representative couldnt explain or understand why the hold was on my account that caused so many problems of trying to make payments or purchases while out of town.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: SC

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I feel very violated and this is causing XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
Exeter Finance LLC is inaccurately reporting a tradeline on my XXXX credit report in violation of the FCRA. I filed a Direct Dispute through XXXX XXXX on XX/XX/XXXX. Exeter Finance is currently named as a defendant in XXXX XXXX Exeter Finance LLC ( Case XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX ) for FDCPA violations. Exeter has also been the subject of a XXXX federal class action for hidden finance charges and unlawful repossession practices. Exeter has accumulated nearly 900 CFPB complaints for inaccurate reporting and failure to validate debts. I am requesting immediate deletion of this account from my credit report as fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/year>, I received an email from XXXX stating a business disconnected my XXXX account as a form of payment. The business was XXXX XXXX. XXXX then proceeded to freeze my account stating I violated their user agreement. I didnt receive any sort of notification from XXXX XXXX explaining the issue or what I should do to fix it. I explained to XXXX that I didnt make any purchases from XXXX XXXX with my XXXX account. The most recent purchase was in XXXX and I used XXXX. I have money in my XXXX account that I can not access due to this issue. I use XXXX regularly and can not go without access. Im not able to transfer the money in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am a victim of identity theft resulting from the Equifax data breach. My personal information was stolen and used by identity thieves to open multiple fraudulent accounts in my name. I discovered several accounts on my TransUnion credit report that I did not open or authorize. These include a credit card with XXXX XXXX showing a balance of {$1000.00} reported as 90days pastdue. A credit card with XXXX XXXX XXXX status with late payment history. A credit card with TBOM/AspireMC showing abalance of {$420.00}. A charge-off account with XXXXXXXX XXXX showing a balance of {$770.00}. A collection account with XXXX XXXX XXXX showing a balance of {$610.00} with original creditor XXXX. Additional adverse accounts include XXXX XXXX XXXX and XXXX XXXX. A secured loan with XXXX Bank showing a high balance of {$1000.00} reported as 30 days past due. An auto lease repossession with XXXX XXXX XXXX showing an RPO code with no balance listed and an opened date of XX/XX/year>. I do not have a driver 's license and do not know how XXXX XXXX, so any auto lease or repossession on my report is fraudulent. My TransUnion credit report also contains hard inquiries from XXXX XXXX XXXX, XXXX XXXX, XXXX Bank, and XXXX XXXX that I did not authorize. I have disputed these accounts directly with TransUnion. I have submitted my Identity Theft Report. Under FCRA Section 605B, TransUnion must block fraudulent information within four business days. Despite my disputes, these fraudulent accounts remain on my credit report, damaging my credit score.

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