vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-29 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: SC

Complaint narrative:
On XX/XX/year> More than 45 unauthorized XXXX XXXX charges were posted to my Chime account even though I have never created a XXXX account or authorized any purchases. Chimes system sent fraud alerts for the final two charges, and XXXX confirmed in writing that the activity was unauthorized and that they would speak with Chime directly. I filed FTC and XXXX identitytheft reports and provided Chime with screenshots, fraud alerts, and IP verification showing the activity did not originate from my device. Despite clear evidence of fraud, my dispute has been denied multiple times, and I am requesting CFPB assistance to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: OK

Complaint narrative:
I've tried for 2 days to get help with my way2go card, the money is on there I used it once after the depisit was made it worked fine, then i started getting error messages saying the card issurer was declining my card. I have yet talked to a human

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
I truly believe this to be a predatory loan. We were vulnerable and desperate at the time ( XX/XX/XXXX ) needing a vehicle. My credit wasn't great and to be honest I wasn't even working. Walked into a XXXX car dealership showed some bank statements put XXXX $ down bam just like that they sold us a XXXX XXXX XXXXXXXX XXXX XXXX even got my husband to put on that extra warranty my mom warned me about. So I knew this loan was gon na be a struggle I made payments monthly on time had a small hiccup and a repo bout 2 yrs into the loan but recovered and now I'm working but making crazy XXXX $ payments each month is a killer and when almost the whole payment is interest I don't know how to catch up! I inquired about it and got a run around I need help please. I will attach statements and screenshots so you can see what I'm talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Acceptance Corporation
State: MS

Complaint narrative:
Im writing to file a complaint against World Acceptance Corporation for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am filing a formal complaint regarding inaccurate, unverifiable, and/or improperly reported information appearing across my consumer credit reports in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i, and 1681c-2 where applicable ). I request a full, reasonable, and independent reinvestigation of all disputed items listed below. ACCOUNTS & NEGATIVE ITEMS IN DISPUTE ( ALL BUREAUS ) Collections/ Charge-Offs/ Derogatory Accounts : XXXX XXXX XXXX Collection account reporting inaccurate, incomplete, or unverifiable balance, ownership, and payment history XXXX XXXX XXXX account reporting inaccurate and unverifiable reporting data XXXX XXXX account reporting inaccurate, incomplete, or unverifiable account details XXXX XXXX XXXX Closed account reporting inaccurate late payment/derogatory history ( TransUnion ) XXXX XXXX XXXX Closed account reporting inaccurate late payment and derogatory marks ( TransUnion ) Inquiries : XXXX / XXXX XXXX Inquiry reporting disputed as inaccurate, unauthorized, or unverifiable ( appearing across multiple bureaus ) PERSONAL INFORMATION ERRORS The following inaccurate personal identifying information is also being reported and must be corrected or removed : Incorrect name variation : XXXX XXXX Incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect employers : XXXX XXXX XXXX XXXX XXXX DISPUTE BASIS All listed items are disputed on the grounds that they are inaccurate, incomplete, outdated, and/or not fully verifiable at the source level. Automated verification, data aggregation, or third-party matching does not satisfy FCRA reinvestigation requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: NC

Complaint narrative:
Iam currently XXXX XXXX XXXX and I was asked by my leadership to fix my credit due the fact you must have good standing finances to get your security clearance. On XX/XX/XXXX I got a loan with moneylion thru the app I was doing very bad financially at the time. On XX/XX/XXXX I believe I quit making payments and went into collections so I believe. Fast forward XX/XX/XXXX I called them trying to pay off the debt but unlike all the other collectors and bills that am paying off from collections, they usually send me a email showing what I owe and so on. Showing me proof I owe them. MoneyLion instead asked to login into the app and pay it thru there so at first I was like what the XXXX XXXX XXXX XXXX so I tried logging in, failed because I had to update my info, I called them again and they asked me for my, DL, and a picture of me holding it. Which I did like an XXXX. They soon after sent me and email with a reset password link, THE LINK HAS NOTHING TO DO WITH MONEYLION INSTEAD IT SENT ME TOXXXX ON THE WEBSITE NO RESET PASSWORD IN SITE, honestly I feel as if they just stole personal info. I really need to debt off my record and their making me go in circles to pay them. Even the app sends you to gendigital.com something is not right there. PLEASE HELP ME WITH THIS ISSUE MY JOB DEPENDS ON IT.

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 2026-05-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I was randomly checking my credit report around XXXX and noticed my credit score had dropped significantly. I looked further and saw a FRAUDULENT collection from XXXX Harris & Harris LTD ) for a debt in the amount of {$350.00}. It said XXXX was the original creditor, also while viewing my report. I noticed several inquiries that I did not make including ( XXXX ) hard inquiries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to credit monitoring agencies my credit profile was been breached several times by multiple different sources. Before XXXX, I had no knowledge of who XXXX Harris & Harris LTD ) we're they had never contacted me before, whether being via- postal mail, email or phone. XX/XX/year> I contacted ( Harris & Harris LTD ) via certified mail and requested that they send me the original signed contract with signature along with any other information they may have had pertaining to this account. They have yet to respond back. I want to also note they are reporting this fraudulent account to XXXX XXXX XXXX and the information that are reporting is either missing information, incorrect and most importantly " inconsistent " just to name a few, which is a direct violation of FCRA rules and guidelines. I made them aware of this, but they have failed to act upon are even comply by not responding back to me. I take my credit very seriously and have worked hard to get it where it was at. I am requesting that this FRAUDULENT, INACCURATE, INCONSISTENT ACCOUNT from XXXX Harris & Harris LTD ) is DELETED from my credit reports immediately & that Harris & Harris LTD be held responsible. I am praying that my credit will be protected moving forward. Thank You Kindly and Have a Nice!

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 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

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 2026-05-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: NJ

Complaint narrative:
I alerted conduent via email, several times, re : fraud transactions., And gave them my police case number. Conduent provided me, a provisional credit of {$440.00}, related to unauthorized charges /fraud transactions of {$570.00} total ( {$130.00} difference ), ... Then last week, the company charged back {$340.00}, citing " the investigation Is still ongoing ... '' .and now they say The investigation has until end of XX/XX/year> to complete. I sent certified letters to the company yesterday, citing federal law identity theft protection violations. I attached a copy of my police report, FTC identity theft form,, and my state taxation identity theft form.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I was not aware that this credit card was ever obtained in my name at all. Based on the dates, it was at the end of my spouse and i 's long relationship in which he knows all of my information including ss number, DOB, and answers for security questions due to knowing me so long and having an open trusting relationship for most of the years. In that year however, it was very abusive and what shaped the end of it. Property of mine had been destroyed as well as numerous vindictive type behaviors such as running my credit down which would be this account. He's clever and may have had a female friend help him if verification was needed to be obtained and he needed a female instead of himself to do the verifying. I worked so much and wasn't aware of everything he had going on then and the only cards I was aware of existing were a couple of prepaid debit cards and this account is for a credit card itself from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
This complaint is submitted for the official federal record in conjunction with active XXXX arbitration proceedings ( Reference No. XXXX, filed XX/XX/year> ) against GoodLeap LLC. This is my third CFPB complaint against GoodLeap LLC regarding Loan No. XXXX. Despite two prior CFPB complaints ( No. XXXX and No. XXXX ), formal demand letters, Florida OFR complaint No. XXXX, and Florida DFS confirmation ( Case XXXX ) that XXXX XXXX never registered my system, GoodLeap refused to address the FTC Holder Rule under 16 C.F.R. 433.2 across all written communications. GoodLeap 's final settlement offer of {$2800.00} against {$390000.00} in documented damages was not made in good faith. I was forced to file XXXX arbitration on XX/XX/year> Reference No. XXXX. GoodLeap immediately appointed litigation counsel. Claims include 60 TCPA violations after written revocation of consent, 20 spoofed caller ID numbers, FCRA violations during active dispute, fraudulent inducement, FTC Holder Rule loan cancellation, and a deliberate false statement made to the CFPB on XX/XX/year> confirmed by GoodLeap 's own XX/XX/year> disconnection attempt email.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This complaint is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ), 1681i, and 1681c-2. After reviewing my consumer reports across all three bureaus, I have identified inaccurate, incomplete, and/or unverifiable information requiring immediate reinvestigation. ITEMS IN DISPUTE ( NEGATIVE ACCOUNTS ) The following accounts are reporting inaccurate or unverifiable collection/derogatory information : XXXX XXXXXXXX ( ending XXXX / related tradelines ) XXXX XXXX XXXX ( multiple accounts ending XXXX, XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX / variations ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX ( various endings including XXXX, XXXX ) XXXXXXXX XXXX XXXX ( multiple reporting variations ) XXXX XXXX XXXXXXXX ( XXXX ) XXXX / XXXX XXXX ( XXXX / XXXX variations ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX / XXXX XXXXXXXX XXXX XXXX XXXX duplicate or re-aged collection entries across bureaus All listed accounts are disputed for : inaccurate balance reporting unverifiable ownership incomplete payment history potential duplicate reporting lack of competent source documentation INQUIRIES IN DISPUTE The following inquiries are unauthorized, inaccurate, or unverifiable : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX third-party inquiry sources ( XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX inquiry entries XXXX inquiries ( various dates ) XXXX XXXX / XXXX XXXX inquiry entries PERSONAL INFORMATION ERRORS The following personal identifiers are inaccurate, outdated, or inconsistently reported : Name variations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX variations Other mismatched name spellings across bureaus Addresses : XXXX XXXX XXXX in XXXX, CA XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX Other outdated or unverifiable addresses Employers : XXXX XXXX XXXXXXXX XXXX XXXX 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 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
I recently had all my stuff stolen including my purse wallet phone. I was not aware these things were stolen because I was XXXX from XXXXXXXX XXXX to XX/XX/year>. Somewhere in between those dates these things were stolen. I became aware when I was released from XXXX on XX/XX/year>. All my stuff was stolen my cards my whole purse with wallet and phone. As soon as I became aware I contacted my financial institutions. I receive a monthly direct deposit to Current bank from the government and I was unable to. I immediately spoke with all my financial institutions mostly Current bank. When I spoke with them on the phone they informed me that my balance was in the negative we. So I disputed the transactions that took place. I was very scared. I informed them of my XXXX and how irrational was impossible for me to make any transactions at all because I was XXXX during the dates they had read to me I also informed them my stuff had been stolen. I emphasized the fact I was XXXX and it wouldve been virtually impossible to make any transaction at all. So I went ahead and disputed all the charges. Im not even nine days later they concluded that there was no error and deny the dispute.So they lied to me when they stated they did an investigation because if they had they would have found that I was XXXX on the transactions were made I also had to contact them regarding getting access to my account because I no longer had access to the phone number or email related to my Current account. So they changed the number on my account so I could regain access. This is a huge error on their part for not doing a thorough investigation and then lying to me saying they did investigation if it was done they wouldve seen. I was XXXX on those dates in XXXX XXXX XXXX in XXXX, Ohio. They should not be able to get away with this and I think they should be investigated and reprimanded for bluntly lying and falsely investigating a dispute. This check was also a State of Ohio. I tried to appeal their decision and they would not do the appeal. Like I said I was XXXX so no matter what I was unable to make any transaction whatsoever Basically they are fraudulent and do not do thorough investigations, but say they do. I want my money bank and an apology for making me wait even longer for the return of my funds and for lying to me. You cant get anymore concrete proof I did not and was not able to make any transaction at all being I was XXXX XXXX XXXX Ive told them so many times and not one person has listened. I want my money back asap. Also I want all my atm fees returned to me because of the inconvenience they have caused me. Its illegal to lie to customers and fake investigations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-29 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: TRANSWORLD SYSTEMS INC
State: TX

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. This account has caused me tremoundous pain and suffering. Im not able to be approved for things I normally would qualify for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: KEYCORP
State: PA

Complaint narrative:
In XX/XX/year>, a payoff check in the amount of {$37000.00} was issued to XXXX XXXX XXXX in connection with my vehicle refinance. I incorrectly endorsed the check ; however, despite the improper endorsement, the check was still accepted, negotiated, and processed through KeyBank. Under UCC Articles 3 and 4 and standard banking procedures, banks are responsible for verifying endorsements before accepting and processing checks. An improperly endorsed check should not have been negotiated. XXXX XXXX XXXX later confirmed in writing that the check had been improperly endorsed, demonstrating that the endorsement defect was identifiable. By accepting and processing a check with an improper endorsement, KeyBank failed to exercise proper endorsement verification and failed to prevent an unauthorized negotiation of funds. Under UCC transfer and presentment warranty rules, the bank accepting the check warrants that endorsements are valid and authorized. As a result of KeyBank processing this improperly endorsed check, I have experienced significant financial harm, delays, and ongoing issues related to my vehicle loan refinance. This matter has remained unresolved for approximately six weeks.

Company response to consumer: Closed with explanation