vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Consumer Financial Protection Bureau Complaint Regarding : Bank : Chase Bank Account Type : Personal and Family Accounts -- - Complaint Summary : I am filing a formal complaint regarding the mismanagement of my digital banking profile and repeated failures by Chase Bank to resolve a serious issue affecting account integrity and personal information security. 

-- - Details of the Issue : I created an online profile ( username : XXXX * * * * 01 ) approximately 17 years ago to manage my personal and married family accounts. 
Until XXXX  2025, I used this profile without issue. 
In 2025, after a business account was added to my non-married family side, I began seeing unrelated business accounts created four years ago. 
I contacted my personal banker because I could no longer transfer funds to my sons youth account using this profile. This was particularly an issue as he needed funds to buy lunch. 
What I Discovered : The online team informed me that my profile is now associated with my fathers name and Social Security number, not mine. 
Despite multiple attempts to resolve this, Chase stated there was no fraud and that the profile has always been that way. 
This explanation is inconsistent with the fact that I opened an account for my son last year under the same profile without issue. 
Additional Concerns : My phone number and email were attached to the profile, yet now the name and Social Security number were different. 
Two months later, additional phone numbersincluding my mothers cell and an unknown numberwere added without any authorization. 
Repeated inquiries resulted in dismissive responses, including suggestions that I might be mistaken about using this profile for 17 years or that I created a profile for my father using my own contact details and do not remember. 

-- - Impact : This situation has caused significant inconvenience, raised serious concerns about data integrity, and eroded trust in Chase Banks ability to safeguard personal information. 

-- -

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
In approximately XXXX I was the victim of a fraud involving a Cash App balance of approximately {$1500.00} I located what appeared to be Cash App customer support through an online search result, which was later discovered to be an impersonation scam. 

The impersonators instructed me to convert my Cash App balance to cryptocurrency while they had remote access to my device under false pretenses. As a result, the funds were stolen. 

The funds originated from unemployment benefits. I reported the incident at the time, but I am requesting a formal review, documentation of Cash Apps fraud investigation, and reconsideration for reimbursement or a goodwill credit. 

I am also requesting clarification of what consumer protections were applied in this case and whether any safeguards were triggered given the impersonation and remote access circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I have student loans held by MOHELA and am currently enrolled in XXXX. My credited payments were in progress until XXXX of XXXX in which my employment did not lapse, but " qualified payments '' ceased. I was also enrolled in XXXX and my payments due showed {$0.00} on their web site so by the time I realized my qualifying payments had ceased I called to inquire. XXXX was taken to court around that time so I was told by MOHELA XXXX that I would need to reenroll to another IDR which I have since done so. I was told that my account was placed on " academic deferment '' despite me NOT BEING ENROLLED FULL OR HALF TIME. I requested that they verify when that status was placed or requested because I was not aware, nor did request that. The MOHELA XXXX stated that they would send a request to remove the " academic deferral '' w/ XXXX and I should keep checking back. After following up, XXXX said that that was not feasible on their end, but MOHELA would be the ones to apply. 

The current status is that I have a higher monthly XXXX plan and was told by another MOHELA XXXX, that my account was in default during that time but I have not been able to get any verification regarding change in status and it is not available on MOHELA website. I am concerned that there was an error during the time of their website change and that I did not have the correct info about my loan, therefore missed out on several months of payments I could've been making and am now paying a higher monthly rate, as well as missed out on XXXX months of qualifying payments because I did not have up to date info about my loan status. 

I am interested in " buying back '' the months in question, but am concerned at which rate I could be charged. I will have now been enrolled in XXXX in the XXXX required so would like to consider what my options are before I do my best to resolve this loan. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: PA

Complaint narrative:
I am formally disputing this account pursuant to the Fair Credit Reporting Act. XXXX account reported without lawful verification and disputed under the FCRA. XXXX  can not certify maximum possible accuracy under 15 U.S.C. 1681e ( b ), particularly in light of its data security failures. Continued reporting violates 15 U.S.C. 1681c and 1681XXXX. I demand immediate deletion or written proof of lawful verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
They had an offer for XXXX for {$25.00}. Used link to visit site and placed order above minimum required. It has been a month and it still shows I have not made the order. This is routinely happening, and even with these complaints, XXXX resolution. 

offer code : XXXX date of purchase : XX/XX/year> status of order on reward site : Waiting ( for purchase ) reward amount : {$25.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
never owed this debt to begin with! Its an illegitimate debt. In XX/XX/year> my vehicle was hit by another motorist and XXXX totaled it! XXXX actually continued to automatically withdrew funds out of my checking a/c for XXXX payments ( XXXX, after incident, XXXX and XXXX ), after they themselves had totaled a vehicle another driver was lawfully held liable for and for which they were previously insuring me. After several calls over approximately XXXX, they agreed to CREDIT my first months insurance for my new Vehicle ( with the auto pay from my checking a/c they were collecting for 3 months on a TOTALED car ) and PARTLY REFUNDED the rest! I then got another insurance after that first month. They threatened me that if I dont come back to them, theyll charge me for another month! I expressed to them that it was too expensive. More expensive than my payments before. I WOKE UP TO THIS. This illegitimate account must be removed and deleted off my credit report in fairness, justice and equity. You cant even begin to imagine the number of times I had to call to have them credit that month to the new vehicle and REFUND the overage they accessed out of my checking account. How do I then owe you to the point of collections. They are destroying my public record! Showing a sum of approximately {$770.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-04 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: NJ

Complaint narrative:
As I was checking my report I noticed a few accounts that I did not authorize I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any suchdebt, in fact exists. I have copies of the certified letters and dates prepared to bring to Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law. Simplycontacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Someone clearly used my information without my authorization I have provided more than sufficient evidence to get these false accounts 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 non-monetary relief
Consumer complaint received 2026-01-04 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
As I was checking my report I noticed a few accounts that I did not authorize I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any suchdebt, in fact exists. I have copies of the certified letters and dates prepared to bring to Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law. Simplycontacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Someone clearly used my information without my authorization I have provided more than sufficient evidence to get these false accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Block, Inc.
State: NY

Complaint narrative:
XX/XX/year> XXXX Made a purchase through XXXX to XXXX totaling XXXX for perfume that was never received. Several attempts have been made to XXXX XXXX and XXXX  to resolve the issue I used XXXX to purchase merchandise from XXXX that was never received. The XXXX photo shows the package left unsecured outside my residence. XXXX closed the matter without ensuring delivery or refund. I am requesting resolution and refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 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: NY

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Chime Financial , Inc. regarding their handling of an unauthorized transaction on my account and their improper denial of my dispute.

On or about [ XX/XX/year> ], my Chime account was compromised, and an unauthorized purchase was made without my knowledge or consent. I did not authorize this transaction, nor did I benefit from it in any way. This activity occurred as a result of my account being hacked or accessed by an unknown third party.

I promptly reported the unauthorized transaction to Chime and filed a dispute in accordance with their procedures. Despite clearly stating that the charge was unauthorized, Chime denied my dispute. I appealed and submitted a second dispute, which was also denied.

Chime stated that they required documentation that I am unable to provide. However, as this was an unauthorized transaction caused by account compromise, I do not have access to receipts, merchant communications, or other documents that would only be available to the individual who committed the fraud. Chime has not reasonably explained how a victim of fraud is expected to provide such documentation.

Chime has failed to conduct a fair and reasonable investigation as required under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Their denial appears to be based on unrealistic documentation requirements rather than evidence that I authorized the transaction.

I am requesting the CFPBs assistance in reviewing this matter and ensuring that Chime : Conducts a proper investigation into the unauthorized transaction Credits my account for the disputed amount Provides a clear and lawful explanation for their decision

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: PA

Complaint narrative:
On XX/XX/year> I sent the financial Bank of the vehicle a notarized letter stating the reason why I was voluntarily surrendering the vehicle. I had spoke to them over the phone numerous of times as well regarding them retrieving the vehicle. In the letter I explained I was going through a financial hardship, no one ever retrieved the vehicle. On XX/XX/year> I sent the XXXX bank a certified letter voluntarily surrendering the vehicle again, after this letter they retrieved the vehicle XX/XX/year>, after that they placed a repossession on my credit when I voluntarily surrendered the vehicle. I have both the original letters and receipts of where I notarized it and where I certified the second letter. They also submitted XXXX missed payments on my credit after knowing my financial hardship and the voluntarily surrendering the vehicle. Every time I spoke to the financial company they would tell me that I was still responsible for the payments of the vehicle and or the full amount of what I owed .. this information is all told to me even after I explained to them that I was going through a financial hardship and dealing with a medical condition. They were more concerned if the car was drivable so they can place it in auctions to sell the vehicle. Now that I have a repossession on my credit I can not even purchase another car using my credit, or even purchase anything using my credit .. this is not the way financial banks should treat people.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: VA

Complaint narrative:
UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS

Company response to consumer: Untimely response
Consumer complaint received 2026-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I have set up autopay for my credit card. Yet, Im getting charged with late fees and interest on the amount. Autopay is getting drafted every month after possible due to. The app is not giving me any options to pick an exact date. This is feature could be intentional to collect more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DOLLAR MUTUAL BANCORP
State: PA

Complaint narrative:
I was charged on a dollarbank business credit card for unauthorized use and not even in the XXXX but in other countries for XXXX currency in XXXX XXXX and in XXXX. This bank wont help me they treated me horribly like I was a thief. The Pa XXXX XXXX XXXX XXXX and XXXX agent XXXX XXXX. This case is still going on. I was told by the bank I had to pay until they make a decision. I paid a lot back which was unfair. I cant afford anymore. These scammers had me get loans for a business that never happened. It was fraudulent and I took two loans and about to lose my home which has 2 liens on it. I am XXXX a have had XXXX XXXX  and they caused my XXXX XXXX  and XXXX XXXX are regurgitating. XXXX XXXX and is blocked 58 % I have XXXX  of my brain and XXXX of the brain. I have XXXX XXXX. Im extremely embarrassed and sad

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC
State: NM

Complaint narrative:
Since my last submission, The Bank XXXX Missouri XXXX XXXX Credit Card ) has granted full hardship relief for the identical situation ( job loss XX/XX/year>, XXXX issues ) : 0 % XXXX, {$110.00} late fees waived/credited, no future late fees, fixed $ 30 monthly payment until paid in full. 
Concora continues to charge 29.99 % interest and late fees on my closed Milestone account ending XXXX despite the same documented hardship. This inconsistent treatment is unfair and predatory. 
Demand identical relief : 0 % APR, full late fee waiver, fixed $ 30 monthly payment, no charge-off. 
Secondary : immediate charge-off so fees stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I requested written-only information about any hardship options for PayPal Credit and PayPal XXXX XXXX including : Temporary XXXX reductions, Fee or interest waivers, Payment accommodations or forbearance or any programs available due to hardship or XXXX through their online chat with an agent. I also requested a reasonable accommodation to communicate in writing due to XXXX. PayPal refused to engage unless I use the phone or appoint a third party, which I can not do.

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 2026-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: NJ

Complaint narrative:
On XX/XX/year>, a cash international money transfer was processed under my name at a Ria Money Transfer agent location to a recipient in XXXX whom I do not know. The total amount was approximately {$2900.00}. I did not authorize or participate in this transaction. I contacted Ria to report the issue, and my account was blocked. Ria stated that they would provide a response within approximately two weeks, but I have not received any written resolution after more than three weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
This matter arises from debt-collection and litigation activity conducted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of OneMain Financial XXXX XXXX XXXX, XXXX in XXXX and continuing after a default judgment was later vacated by the Circuit Court XXXX 
In XXXX and XX/XX/XXXX, I sent formal debt validation letters requesting full validation of the alleged debt, including the original signed contract, proof of ownership or authority to collect, a complete payment history, and verification of my identity and correct address prior to litigation. The firm did not provide proper validation and instead sent only brief account summaries that did not satisfy the requirements of the FDCPA. 
Despite the lack of validation, the firm filed a lawsuit in Maryland XXXX XXXX in XXXX. I was never personally served with the lawsuit or subsequent motions. Instead, service was allegedly made on my brother, yet the firm repeatedly treated the case as though I had been properly served. 
Additionally, important motions, notices, and court filings were sent to incorrect and inconsistent addresses that were not associated with either me or my brother. Documents intended for my brother were at times sent to me, even though I was never served, while other documents were sent to addresses neither of us had lived at or been associated with, including addresses we had never used. Despite these irregularities, the firm proceeded as though proper service had occurred. As a result of these inconsistent and improper practices, the firm was able to move the case forward and persuade the court to enter a default judgment that should never have taken place. Neither I nor my brother was properly served, yet the firm continued to pursue litigation and collection activity without lawful service or proper debt validation. 
On XX/XX/XXXX, the XXXX XXXX for XXXX XXXX XXXX, Maryland vacated the Order of Default, expressly finding improper and inconsistent service of motions and notices and invalidating the default judgment. The matter was remanded for further proceedings. 
Despite this appellate ruling, the firm failed to take corrective action and continued to act as counsel in the collection matter while relying on prior improper service and defective assumptions regarding notice. Throughout this period, I disputed the debt and attempted to resolve the matter through validation requests, prior CFPB complaints, and court filings. 
The firms conduct reflects a pattern of pursuing collection activity without proper validation, relying on defective service, using incorrect addresses, and disregarding a court order vacating the default judgment. I am requesting CFPB review of the firms debt-collection practices and compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation