vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
Collector name is Lien Enofrcement, inc. XXXX XXXX XXXX, XXXX, fl XXXX my account # is XXXX I disputed this debt multiple times and requested validation, most recently in a cerfitifed letter to collector on XX/XX/year>. The collector failed to provide required documentation, including proof of proper lien notice, proof of mailing, and a lawful itemization of charges. I also attempted to transfer ownership of the vehicle shortly after the tow, but the tow company refused unless I paid additional fees and instead allowed excessive storage charges to accumulate. Despite the dispute and lack of validation, the collector continues to attempt collection.I disputed this debt multiple times and requested validation. The collector failed to provide required documentation, including proof of proper lien notice, proof of mailing, and a lawful itemization of charges. I also attempted to transfer ownership of the vehicle shortly after the tow, but the tow company refused unless I paid additional fees and instead allowed excessive storage charges to accumulate. Despite the dispute and lack of validation, the collector continues to attempt collection. I request that they either provide proper validation or cease collection and delete any reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
I dont know who this company is period False allegations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: LA

Complaint narrative:
I am filing a complaint regarding Chimes handling of my dispute involving unauthorized transactions on my account. On [ XXXX XXXX ], my phone was misplaced while I was at work and was not in my possession. During that time, an unknown individual accessed my unlocked phone, logged into my Chime account, and sent funds to themselves without my authorization. I did not authorize these transactions, nor did I give anyone permission to access my account. I reported the issue to Chime immediately and have contacted them multiple times. Throughout this process, I have received inconsistent information and unprofessional treatment from representatives. Chime requested supporting documentation to reopen my dispute, including a timesheet, GPS verification, or a police report. I provided my timesheet, which clearly shows I was working during the time the unauthorized transactions occurred. Despite this, my claim was denied again without a clear or sufficient explanation. I am concerned that Chime did not conduct a reasonable investigation as required under the Electronic Fund Transfer Act. The fact that the transactions originated from my device does not mean they were authorized, especially given that my phone was not in my possession at the time. Additionally, as of today, another unauthorized transaction in the amount of {$190.00} has occurred related to this same issue, and I have not received any reimbursement for this transaction either. Amounting to {$470.00} in total. These funds are extremely important to me, and this situation has caused significant financial hardship. I am requesting that Chime : XXXX. Reopen and properly investigate my dispute XXXX. Provide a detailed explanation of how the determination was made XXXX. Refund the unauthorized transactions I believe my rights as a consumer have not been properly upheld in this situation, and I am requesting assistance in resolving this matter. Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/year>, I signed up for personal training at XXXX XXXX. I cancelled the entire agreement on XX/XX/XXXX ( within the XXXX-day legal window ) via their website and phone, as instructed by their staff. Despite cancelling, I was charged a total of {$310.00}. I attempted to resolve this with XXXX directly and emailed the District Fitness XXXX ( XXXX XXXX ) on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX replied with a receipt number and confirmed a full refund would be issued in XXXX business days. However, I only received a partial refund of {$19.00} on XX/XX/XXXX. I opened a dispute with Wells Fargo, but they denied the claim. The bank told me I had to handle it myself and claimed I didn't cancel it correctly because I didn't use certified mail. This is incorrect : XXXX. I followed the merchant 's digital cancellation process. XXXX. The merchant 's own XXXX confirmed a refund was due ( Receipt # provided ). XXXX. The {$19.00} refund proves the merchant acknowledged the cancellation. Wells Fargo has failed to conduct a reasonable investigation by ignoring this evidence and is allowing these unauthorized charges to stand.

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 2026-04-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I was charged to replace the entire carpet because of a small stain.Basically they made false allegations on me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I had a cash app account and was XXXX XXXX XXXX XXXX back in XXXX. My husband and i were living apart yet he continued to hack my cash app account and steal my money remotely. I would report it everytime. No one ever reached out to ask why i had several disputes similar. Instead they just closed my account with money still in it. Now i try to make new one and it lets me go all the way through the process then closes my account abruptly a d says i cant have an acclunt account because i violated their terms i ask for a chance to know which terms so i can explain but im never given tbe chance this is unfair practice as there was no bad intentions i was a XXXX and did what was right.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I am submitting this complaint regarding USAA Federal Savings Banks handling of an impersonation fraud and its decision to hold me financially liable without providing written notice, explanation, or appeal instructions. On March 1618, 2026, I was the XXXX of an XXXX XXXX in which an individual posing as a trusted acquaintance persuaded me to receive and transfer funds under false pretenses. The individual deposited funds into my USAA account and instructed me to immediately transfer the funds out through XXXX XXXX. I did not know these deposits were fraudulent at the time. On XX/XX/year>, as soon as I realized something was wrong, I immediately contacted USAA. My account was frozen and a fraud investigation was opened. I cooperated fully, stopped all activity, and received no financial benefit from these transactions. After reporting the fraud : XXXX deposits were reversed on XX/XX/XXXX XXXX additional reversals occurred on XX/XX/XXXX The final reversal occurred on XX/XX/XXXX USAA has kept my account frozen for nearly a month with a negative balance of approximately {$12000.00}. Despite repeated contacts, I have never received any written determination, explanation of liability, notice of investigation outcome, or instructions on how to appeal. I dispute USAAs position that I am fully liable for these losses. Authorization obtained through impersonation, deception, and manipulation is not meaningful authorization. I reported the fraud promptly, did not knowingly participate in wrongdoing, and did not benefit financially. Additionally, the transaction pattern involved repeated identical deposits and immediate external transfers, followed by multiple reversals within days. This activity contained clear fraud red flags that should have triggered enhanced monitoring or intervention. I am XXXX years old, earn approximately {$17000.00} per year, and repayment of {$12000.00} would cause severe financial hardship. USAAs failure to provide written notice, communicate clearly, or offer a reasonable appeal process has compounded the harm.

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 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am filing this complaint regarding a PayPal Credit account issued by Synchrony Bank that is now being collected through a law firm and has resulted in a court judgment and income execution. I did not receive proper notice of the summons and complaint in this matter. The affidavit of service indicates that service was made by affixing the documents to my door and mailing them. However, I was never personally served. Additionally, my buildings mailbox has been damaged and unsecured for approximately XXXX years, which has been confirmed by USPS. This condition could interfere with proper mail delivery. As a result, I may not have received the mailed documents related to this case. Because of this, I was not properly notified of the lawsuit and was unable to respond or defend myself before a default judgment was entered against me. I attempted to address this matter by filing a motion to vacate the judgment and by disputing the account, requesting verification of the debt and proof of proper service. However, I do not believe adequate documentation was provided to demonstrate that I was properly served or that I received proper notice. Despite these concerns, collection efforts have continued, including an income execution. I am requesting that this matter be reviewed to ensure that proper procedures were followed and that my rights as a consumer were not violated.

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 2026-04-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: MS

Complaint narrative:
This debt is fraudulent. I do not owe XXXX any money nor do I owe any XXXX party debt collector any money. I have not had cable for more than XXXX years because I have been in county jail. This debt does not belong to me. I have not had XXXX cable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Inquires : XXXX XXXX XXXX, XXXX XX/XX/year> XXXX : XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year> Mentioned stated inquires and accounts are acts of fraudulent activity which I don't recognize. Please remove them from my Credit Report.

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 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am submitting this complaint to report a fraudulent credit card account that was opened in my name without my knowledge or authorization. This account is not mine, and I am a XXXX of XXXX XXXX. I recently discovered the unauthorized account while reviewing my credit report. The details of the fraudulent account are as follows : Creditor Name : Capital One Account Number : XXXX Date Opened : XX/XX/2025 Balance : {$360.00} I have never applied for or authorized the opening of this account. As such, this account is the result of fraudulent activity. I have taken the following steps : Filed an XXXX XXXX report with the appropriate authorities Notified the credit bureaus of the fraudulent account Placed a XXXX alert and/or credit freeze on my credit file Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this fraudulent account be immediately investigated and removed from my credit report. I also request that the creditor provide documentation showing that I authorized this account, which I believe they will be unable to do. This fraudulent account is negatively impacting my creditworthiness, and I need it resolved as soon as possible. Please confirm in writing that : The account has been removed from my credit report Any associated negative information has been deleted I am not being held responsible for this fraudulent debt I appreciate your prompt attention to this matter and expect a timely resolution. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
I am filing a complaint against GoodLeap LLC under the FTC Holder Rule ( 16 C.F.R. 433 ) and California SB 784. My solar installer, XXXX XXXX XXXX, has entered Chapter XXXX bankruptcy and is unable to honor its contractual obligations, warranties, or production guarantee. Under the Holder Rule, GoodLeap is legally responsible for all claims and defenses I have against the seller. My system has never met the guaranteed XXXX kWh annual production. I experienced an XXXXday inverter outage with XXXX production, multiple months of XXXX export, and extreme XXXX XXXX XXXX bills ( {$920.00}, {$830.00}, {$1700.00} ). XXXX XXXX own production report shows only XXXX kWh over XXXX months. XXXX XXXX repeatedly misrepresented system performance, telling me your system is producing as expected despite the outage and underperformance. Their monitoring portal showed no alerts during complete system failure. Because XXXX XXXX is bankrupt, I have lost my XXXXyear warranty, monitoring obligations, and moneyback production guarantee. This is a material breach of contract. I am requesting XXXX of the following remedies from XXXX : ( XXXX ) loan cancellation, ( XXXX ) loan reduction/offset, ( XXXX ) lenderprovided contractor to restore system performance, or ( XXXX ) refund of payments if the contract is rescinded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>, XXXX transfers in the amounts of {$1000.00}, {$1000.00}, {$5000.00}, {$4000.00}, {$5000.00}, and {$1000.00} were sent from my account to XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ). These transactions were the result of XXXX I was induced to make this transfer based on false representations made by an individual who impersonated representatives of XXXX XXXX XXXX for payment of XXXX Batteries and installation. Upon receipt of the XXXX Contract, I requested that the XXXX XXXX XXXX representatives email me a payment link. I received a response to the email indicating that the XXXX XXXX XXXX representatives could not send the link at the time and that payment could be made via XXXX to XXXX XXXX ( XXXX ). Based on this, I sent the requested payments. The transfers were not authorized in any meaningful way, as they were procured through deception. I notified your institution of this fraud on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
I am filing a complaint regarding an unauthorized transaction on my chime Checking account that resulted in a negative balance of approximately {$980.00}. I did not authorize this transaction and did not benefit from it in any way. On XX/XX/XXXX, I noticed an unauthorized charge from XXXX in the amount of {$990.00}. I did not make this purchase and did not give permission for this transaction. I immediately reported this to Chime and filed a dispute, clearly stating that this was fraud. However, Chime denied my dispute without providing sufficient explanation or evidence showing that the transaction was authorized by me. I requested further clarification and a reinvestigation, but my claim was still denied. I have not shared my card or account information with anyone, and I did not approve this transaction. I believe this violates my rights under Regulation E, which protects consumers from unauthorized electronic fund transfers. As a result of this unresolved issue, my account is now negative, causing financial hardship. I am requesting : * A full refund of {$990.00} * A proper reinvestigation of my claim * Documentation explaining how Chime determined the transaction was authorized I have taken steps to secure my account, including locking my card and reviewing my account activity, and I am willing to provide any additional information needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Summary of the Issue : During the XXXX COVID19 period, the Employment Development Department ( EDD ) issued a benefits disbursement in my name through the Bank of America EDD Debit Card program. I never received the debit card, did not activate a card, and did not access any of the funds. This appears to be a case of identity theft and misdirected disbursement. Bank of Americas records show activity that I did not authorize and that did not involve me. I have repeatedly attempted to resolve this issue, but the funds have not been reissued and I have not received confirmation of any completed investigation. Harm Experienced : I did not receive the benefits I was legally entitled to. My identity appears to have been used without authorization. I have been unable to obtain clear information or resolution from Bank of America or EDD. What I Am Requesting : A full investigation into the fraudulent activation and use of the EDD debit card. Confirmation of where the funds were sent and who accessed them. Copies of any documents, IDs, or signatures used. Correction of the fraud on my account. Reissuance of the disbursement to me, the rightful recipient. Additional Notes : I am prepared to provide identification and any documents needed to verify my identity and support this claim.

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 2026-04-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year> {$60.00} was taken out of my cashapp account, from an old texting app on my phone that my kid downloaded without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: NM

Complaint narrative:
I dispute the accuracy of the Bridgecrest tradeline and request reinvestigation under the Fair Credit Reporting Act. This account involves a 2021 repossession. The Date Opened is XX/XX/year>, and the Date of First Delinquency is XX/XX/year>. After I disputed this account, the reporting was changed and repossession status entries ( R ) were backfilled across multiple years. My concern is that the furnisher is repeatedly marking the account as verified without providing the actual accounting required to support the reported balance and status. I specifically dispute : XXXX. The accuracy of the remaining balance being reported ; XXXX. Whether post-repossession sale proceeds were properly credited ; XXXX. Whether the account should be reported as closed/charged off with a deficiency balance rather than continuous repossession status reporting ; XXXX. Whether the furnisher improperly re-aged or rewrote the payment history after dispute instead of providing accurate original reporting ; XXXX. The lack of complete deficiency balance calculation and post-sale accounting. Simply marking the account as verified is not sufficient without documentation showing how the remaining balance was calculated after repossession and sale of the vehicle. I request : XXXX. Full verification of the deficiency balance ; XXXX. Complete accounting showing sale proceeds and application of credits ; XXXX. Correction of any inaccurate repossession/payment history reporting ; XXXX. Correction of the account status if it is being misleadingly reported ; XXXX. Deletion of the tradeline if accurate verification can not be provided. Please conduct a proper reinvestigation and provide the method of verification used.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Midland credit management is on my credit report and I dont know them or own them. And it said I open account with them. I did not authorize or sign any paperwork.

Company response to consumer: Closed with explanation