vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 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: Coinbase, Inc.

Complaint narrative:
My account with Coinbase has been locked since before XX/XX/year>. Initially, I was completely locked out of my account without any explanation. I was eventually able to regain access to the account itself, but my funds remain locked and I am unable to withdraw or use them. For over a month I have repeatedly contacted Coinbase support. However, every response I receive is the same generic copy-and-paste email template. Their chat support also provides no real assistance and simply repeats the same scripted responses without addressing my case. Despite multiple attempts to resolve this issue, Coinbase has provided no explanation for why my funds are locked and no timeline for when I will regain access to them. Based on the correspondence I have received, it appears that no one is actually reviewing or working on my case. I am attaching documentation showing the repeated automated responses and lack of meaningful support. It is extremely concerning that a financial platform holding customer funds is unable to provide real customer support or a clear resolution timeline. This situation has now persisted for over a month and I am requesting assistance in obtaining an explanation and restoring access to my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Subject : Failure to Validate Debt / Illegal Credit Reporting I am filing this complaint against LNV Funding LLC regarding an alleged debt they are attempting to collect and report on my credit file. I formally disputed this account and requested validation of the alleged debt as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Despite my written request, LNV Funding has failed to provide proper documentation validating the debt. Specifically, they have failed to provide : A copy of the original signed agreement or contract Complete payment history of the account Documentation showing the chain of assignment proving they legally own the debt Verification of the original creditor and account balance Despite their failure to validate the debt, LNV Funding continues to report this account to credit reporting agencies and/or attempt collection activity. This conduct may constitute violations of both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I am requesting that LNV Funding immediately provide proper validation of the alleged debt or permanently delete this account from all credit reporting agencies. If they can not provide competent evidence proving the debt and their legal ownership of it, the account must be removed. I am requesting the CFPB investigate this matter and ensure compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX I noticed that I was being charged more than once for the same transaction, multiple duplicate charges that totalled XXXXXXXX XXXX I filed a dispute, provided my statement and was instructed that the dispute department would reach out within 10 business, on XX/XX/XXXX the dispute department emailed me stating my dispute was denied due to no error occurred, false the dispute department email did not have the correct amount I filed within my dispute, the dispute department failed to request additional information and chose to favor the merchant .. big issue is I filed a dispute for XXXX once I corrected their error and provided my additional documents .. they are trying to make me wait additional 10 business days to even receive my provisional credit .. that's is not right not fair on my end

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 2026-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: OK

Complaint narrative:
On XX/XX/XXXX I made a payment which was only supposed to be the minimum payment somehow turned i to a XXXX charge. I have contacted the company, filed complaints etc.... nothing has been resolved. I also made a {$100.00} over payment to which they refunded by check so why can't they refund the XXXX by check also. I only meant to pay the minimum due and they claim they can't reverse the payment. Why can't they mail me a check then. I won't give up! I want my money back. I need it desperately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Possible Financial Inc
State: OH

Complaint narrative:
I am writing to request validation of the above referenced account that appears on my credit report. Under the Fair Debt Collection Practices Act, I have the right to request verification of this debt. At this time, I dispute the accuracy and validity of the reported information and request that your office provide documentation validating the debt. Please provide : The original contract or signed agreement The name and address of the original creditor A complete accounting of the alleged debt Documentation proving your authority to collect on the account Verification that the information being reported to credit bureaus is accurate If this information can not be provided, I request that the account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Round Up Ventures, L.P.
State: OH

Complaint narrative:
I am writing to request validation of the above referenced account that appears on my credit report. Under the Fair Debt Collection Practices Act, I have the right to request verification of this debt. At this time, I dispute the accuracy and validity of the reported information and request that your office provide documentation validating the debt. Please provide : The original contract or signed agreement The name and address of the original creditor A complete accounting of the alleged debt Documentation proving your authority to collect on the account Verification that the information being reported to credit bureaus is accurate If this information can not be provided, I request that the account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
Freedom Mortgage violated VA Circular 26-23-27 by failing to process a complete VA Assumption package within 45 days. The loan officer 's negligence caused the file to expire. As an XXXX XXXX with an XXXX XXXX to XXXX XXXX XXXX this traps my VA entitlement and creates a financial hardship for my next housing transition.

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 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
A debt collector ( RESURGENT CAPITAL SERVICES, current owner : CACH , LLC ) is attempting to collect on an alleged credit card debt from approximately XXXX. The account is well beyond the statute of limitations in XXXX and can not legally be enforced. The debt is also beyond the XXXX credit reporting period under the Fair Credit Reporting Act. I have disputed the debt and requested that collection cease. I am requesting that the collector stop attempting to collect on this time-barred debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Servicer under contract with Federal Student Aid
State: MI

Complaint narrative:
3 credit cards has charged off and over XXXX on student loans

Company response to consumer: Untimely response
Consumer complaint received 2026-03-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
FCRA Section 605B ( 15 U.S.C. 1681c-2 ) requires consumer reporting agencies to block the reporting of information resulting from identity theft within four business days of receiving proper documentation.

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 2026-03-10 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am filing this complaint regarding an unresolved unauthorized credit card charge on my Apple Card issued by Goldman Sachs. In XX/XX/XXXX an unauthorized transaction occurred at XXXX located at XXXX XXXX XXXX in XXXX XXXX, New York. I immediately contacted Apple Card on XX/XX/XXXX and opened a dispute. Since that time I have made multiple attempts to resolve the issue, including additional disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During the investigation I was told to contact XXXX directly. When I contacted XXXX they informed me that they could not assist and that the credit card issuer must handle the investigation. Despite my repeated efforts and full cooperation, I was later informed that the case had been written off due to insufficient evidence. Following instructions from Apple Card representatives, I filed a police report with the XXXX XXXX Police Department on XX/XX/XXXX documenting that my credit card information had been compromised and that an unauthorized transaction occurred. I have provided all requested documentation, including the police report, but the unauthorized charge remains unresolved. I am requesting that Goldman Sachs conduct a proper reinvestigation under the Fair Credit Billing Act and provide the supporting merchant documentation for the transaction, including the receipt and verification of how the card was processed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX Phone : XXXX Email : XXXX SSN : XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Illegal Reinsertion of Deleted Account FCRA Violation To whom it may concern, I am writing to formally dispute the reinsertion of the following account on my credit file reported by Equifax : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX This account was previously deleted from my credit report between XX/XX/year> and XX/XX/year>, as confirmed by the notification I received stating that the account had been removed from my file. Despite this confirmed deletion, the account has now been reinserted into my credit file. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ), when a previously deleted item is reinserted into a consumers credit file, the credit reporting agency must : 1. Certify that the information is accurate and complete. 2. Provide written notice to the consumer within five ( 5 ) business days of reinsertion. I have not received any notification regarding this reinsertion. Therefore, the reappearance of this account on my credit report appears to be in violation of the FCRA reinsertion requirements. Additionally, the account currently contains inconsistent and potentially inaccurate reporting, including : Account Status : Closed Payment Status : Current Balance Owed : {$1700.00} These inconsistencies raise serious concerns regarding the accuracy and verification of this account. For these reasons, I respectfully request : 1. Immediate deletion of the reinserted account from my credit file. 2. The method of verification used to justify reinsertion of this account. 3. The name, address, and contact information of the party that verified this account. If Equifax can not provide proper certification and documentation supporting the reinsertion of this account, it must be permanently removed from my credit report. Please investigate this matter and respond within the timeframe required by the FCRA. Any future reinsertion of this account without proper certification and written notice will be considered a willful violation of the FCRA. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom Mortgage sent us an Escrow Account Disclosure Statement that indicated it would raise our mortgage payment by XXXX a month. The exact wording is that the shortfall will be spread out over 12 months. Having spoken to the tax office, the escrow problem occurred when Freedom Mortgage estimated the taxes based on land only, instead of land and structure. The mistake was their error. As this increase places a hardship on us, we would like to close the escrow account at the mortgage company and play the taxes ourselves. We have done this before and never missed paying our taxes. We have spoken to Freedom Mortgage and they behaved as if this was not their issue to fix or assist with. The notice from them left us with less than 1 month to try to fix this before the first payment on XXXX XXXX. The statement date is XX/XX/year>. If we had gotten it the same day, it would have been approximately 6 weeks to try to get a remedy for the raise in the mortgage payment.

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 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TN

Complaint narrative:
My Chime checking account was closed around XX/XX/XXXX after approximately {$22000.00} was transferred into the account from my XXXX XXXX XXXX XXXX XXXX ) account. These funds came from legitimate business activity and personal transactions. After the account was closed, Chime informed me that I could access any remaining balance if I provided identity verification and documentation verifying the source of the deposits. Since XXXX, I have repeatedly attempted to comply with their requests and have provided the documentation requested, including government identification, secondary identification, photographs verifying my identity, and explanations regarding the source of the funds transferred from XXXX XXXX / XXXX. Despite providing this information and making numerous attempts through email and support requests, Chime has failed to release my funds or provide a clear explanation for why the balance is being withheld. I was also informed that documents submitted for verification are deleted after XXXX hours, which made it difficult to satisfy their verification process. At one point I was even told that my account was not eligible for a refund, even though these are my personal funds and there have been no disputes, chargebacks, or fraud claims communicated to me. My account has been closed since XX/XX/XXXX, and I have been attempting for years to recover my money without resolution. I am requesting that Chime Financial and its banking partner review this matter and release the remaining balance of my account, which is approximately {$22000.00}, or provide a lawful explanation for withholding these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
when closing my card with Wells Fargo I did a balance transfer to a new credit card. As of XX/XX/year> I did not see that crediting to my account so I called customer service. They told me that I would have to pay off the balance to avoid a late fee and damage to my credit. I paid the balance only to see that the balance transfer had deposited the day before I called the bank, and was available to use for payment but the employee still told me I had to pay the bil so now had an overpayment. I called Wells Fargo again who told me I would receive a refund to my bank by XX/XX/XXXX. I then called again today XX/XX/XXXX to be told that request was cancelled and I would have to wait for them to put in a request for a check. I have not received a check or any viable assurance that a refund for the overpayment has been or will be sent to me promptly - each time I call I am told to wait XXXX weeks for the refund. These deadlines keep passing with no results.

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 2026-03-10 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: FL

Complaint narrative:
FCRA Section 605B ( 15 U.S.C. 1681c-2 ) requires consumer reporting agencies to block the reporting of information resulting from identity theft within four business days of receiving proper documentation.

Company response to consumer: Closed with explanation