vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-18 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: Chime Financial Inc
State: CA

Complaint narrative:
Today, XX/XX/XXXX After not using chime since XX/XX/XXXX, I needed a transfer from my brother and checked my chime account. My account showed a positive balance and no evidence of a debt being owed. Thinking my account was in good standing with no evidence to the contrary, my brother transferred me {$150.00} to my account around XXXX XXXX. 
I checked my account balance at around XXXX XXXX, and to my surprise I had {$2.00} left in my account. After a little bit of looking around I noticed that my money had been used to settle a debt with Chime 's XXXX advance feature that : XXXX ) I was unaware I had and XXXX ) had not been made aware that such a transaction would occur. 
The debt of the account was never made present to me and was instead, deceptively, presented to be in good standing. 
I needed that money for important bills and chime refuses to give me a proper explanation or solution. I asked them to instead refund my brothers account and bill me the supposed XXXX debt but they insisted that the transaction was final. I was never even made aware that such a debt existed!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Summary of Events : XXXX XXXX XXXX Account XXXX. Initial Discovery and Resolution ( XX/XX/year> ) Date : XX/XX/year> Action Taken : I discovered an unauthorized energy account opened in my name with XXXX XXXX. 
My Response : I immediately filed formal disputes with the XXXX major credit bureaus : XXXX, XXXX, and XXXX, submitting all necessary supporting documentation. 
I filed a police report officially documenting the identity theft and fraudulent account ( Police Report XXXX # XXXX ). 
Company Action/Outcome : The dispute was successful, and the fraudulent account was removed from my credit reports. 
XXXX. Account Re-emergence and Escalation ( Subsequent to XX/XX/year> ) Company Action : Without my knowledge or consent, XXXX XXXX reactivated the fraudulent account. 
Amount : The account was sent to collections for the full amount of the disputed charges ( this time it is {$650.00} ) Impact : This has jeopardized a time-sensitive mortgage loan application, as my lender is demanding immediate resolution of this collection debt as a condition of approval. 
XXXX. Recent Attempts to Resolve ( Past Week ) Action Taken : To prevent the loss of my loan, I paid the collection amount of requested ( {$80.00} ) directly to XXXX XXXX through their customer service channels. 
Company Inaction : Despite accepting my payment, XXXX XXXX has failed to instruct the collection agency to update the status on my credit report to " Paid in Full '' or " Settled. '' Over the past week, I have contacted XXXX XXXX multiple times via phone, email, chat to rectify this, but my requests have been ignored and no resolution has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was sent a XXXX XXXX XXXX in the past month that I never opened.

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 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
XX/XX/2025 at XXXX : An unauthorized ATM withdrawal of {$200.00} from my XXXX  Debit Card from the ATM of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). I have never stepped foot into XXXX XXXX XXXX. 

At the time of the withdrawl, I was at my job in a staff meeting with my Debit card in my wallet in my pocket. The person who stole my money must have used a digital card skimmer to gain access to use my card because I have never authorized anyone to make any withdrawal. Attached are images of the security footage of me at work. Video and image versions of the security footage. 

Immediately, I contacted XXXX  support to report my card as stolen. However, I decided ro delay the reporting because I needed the ability to use the card for the next few days to pay rent before I cancelled my card to then wait for a replacement. 

Later that same day, I got in contact with the vendor that has the ATM to ask for details of the situation. As I was speaking to someone from the store, I could hear another individual in the background speaking very clearly. That individual came in asking about how money was withdrawn from his account at XXXX as well. This was proof that someone stole our card informations and withdrew money from each account. 

I then proceeded to contact XXXX XXXX to report the theft. Attached is the police report of the situation. 

The significance of those {$200.00} were that they were alloted for my rent payment due that same day, XXXX XXXX, XXXX. When my money was stolen, I contacted my mother to help with the missing {$200.00} for my rent payment while i got the situation sorted with XXXX  support. Unfortunately, all of my efforts to investigate my dispute properly were met with denials for reasons that contradict the evidence that I've provided. Attached are also the email transcripts of my efforts with XXXX  support.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST HORIZON BANK
State: LA

Complaint narrative:
I am filing a new complaint regarding First Horizon Banks continued failure to fully reimburse unauthorized debit card transactions. 

This complaint follows a prior CFPB complaint that was closed without resolution. The underlying issue remains unresolved, and updated reconciliation information is now available. 

Unauthorized debit card transactions began on XX/XX/year> and totaled {$15000.00}. First Horizon Bank acknowledged that fraud occurred and issued credits. However, those credits were later partially reversed through rebills and adjustments, including an entry labeled REBILL FOR UNTIMELY REPORTING ON CLAIM. 

Between First Horizon Bank and the involved merchants, total refunds and credits issued were {$7600.00}. Of that amount, {$1800.00} was later debited back to the account. As a result, the net refunds actually applied total {$5700.00}. 

This leaves a remaining unpaid balance of {$9700.00} in unauthorized transactions. 

The unauthorized activity was ongoing and escalated over multiple months. During portions of 2025, I was in and out of the hospital and rehabilitation, which limited my ability to monitor my account and increased my reliance on the banks fraud monitoring systems. 

Despite acknowledging fraud, First Horizon Bank has not reimbursed the remaining balance or provided a clear written explanation justifying the rebill and continued nonpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 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: Chime Financial Inc
State: PR

Complaint narrative:
What happens is that a person pretends to be me and I take out a credit card and I don't know how he did it. And the company that took out the card is called Chime Financial , Inc. located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint against Regions Bank for failing to properly investigate a billing error under the Fair Credit Billing Act ( FCBA ). 

I disputed a charge of {$99.00} from XXXX because the item was not delivered as described and the merchant refused to facilitate a return or refund. Regions Bank initially provided a credit, but reversed it 30 days later citing " Proof of Delivery '' from the merchant.

I have been a customer with this bank for 27 years, yet the bank has refused to look past a simple tracking number to see that the merchant failed to fulfill the order. The bank is accepting " Delivered '' as a blanket excuse for fraud and merchant error. Furthermore, I have found that as a member of a multicultural community where English is not always the first language for many, the banks policies are being used to avoid doing a deep investigation. 

The bank has violated the FCBA by : Failing to conduct a " reasonable investigation '' by ignoring my claim that the item was incorrect/refused for return.

Siding with a merchant despite evidence of a failed delivery of the specific goods ordered.

I want Regions Bank to permanently restore the {$99.00} credit to my account and provide a formal apology for their lack of due diligence regarding a long-term loyal customer.

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 2026-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: KY

Complaint narrative:
Plaza Services is reporting a charged-off debt on my XXXX  credit report originating from XXXX XXXX XXXX However, XXXX XXXX shows the account as closed and reporting a {$0.00} balance, while Plaza continues to report a balance of {$3100.00}. Plaza never provided documentation establishing chain-of-title from XXXX, nor any validation of the alleged balance, interest, fees, or credits. 

Plaza subsequently assigned or sold the account to XXXX XXXX XXXX, who began collection attempts. XXXX also could not provide validation or explain how Plaza can report a $ XXXXclosed status while still attempting to collect the debt through a third party. 

The reporting and collection activity conflict with each other and with the original creditors data. If the debt was sold, Plaza should not be reporting a balance. If the debt was paid/charged-off to {$0.00} by XXXX, Plaza and XXXX should not be collecting. Plaza has not demonstrated legal ownership or authority to collect under the FDCPA, nor furnished accurate information under the FCRA. 

Because the balance, ownership, and status of the account are unclear, and no validation was provided, I dispute both the accuracy and the legitimacy of the debt and the reporting. I am requesting full validation and documentation or deletion of the tradeline and cessation of further collection efforts. 

Additionally, I believe this may constitute re-aging and/or improper data furnishing, as the dates reported by Plaza do not match XXXX, and the balance and status reported are inconsistent across entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Chime Financial Inc
State: IN

Complaint narrative:
I had bought XXXX from XXXX XX/XX/XXXX after I finally received it I was gon na let it sit overnight and I came back XXXX hours later to check on it, and it was gone disappeared out of my wallet, I contacted customer service and they said that they was an error and buying the XXXX so they took it out and they would return my money within XXXX  days which they did not do! 
XXXX  days later, I contacted customer service again at XXXX and then they gave me another excuse why they werent gon na be able to give me my money so at that point in time I contacted the bank my bank, which is Chime whats at this point they said they would be happy to to get my money back because Ive been XXXX  days and they had no intention of returning my money. I said fine thank you. A few days later go by and Im getting emails from XXXX and they asked me to come back to the security and talk to him and I go back in the van. Your money went on the blockchain. How is that possible? Hows my money going on? I didnt send it on block chain my money my wallet and it stayed there for XXXX hours until what I was sold as you guys took it out of my wallet because it was at first just correctly and now youre changing your story and saying it went on the blockchain and how is there no record of operation I mean you guys have are you guys have records of everything that goes on here but you have no record of this! Any the few I contacted Chime they really dont seem very interested in helping me get back my {$700.00} I sent in screenshots I tried everything I just really didnt seem interested in me. I could tell I could tell that they just they werent gon na try and help me so Im out so Im out of my so Im out all my money, here it is almost a month later and I still dont have my money returned!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I am a Florida resident filing this complaint against Coinbase , Inc. because the company has failed to resolve a " phantom debt '' dispute that has resulted in a total account restriction for eight years. 

Background : In approximately XXXX, I attempted a bank transfer to purchase cryptocurrency. This transfer was declined by my bank. No funds were ever sent to Coinbase, and no cryptocurrency was ever delivered to my account. 

The Dispute : Coinbase has flagged my account with an " outstanding balance '' for these failed transactions. I have completed Coinbase 's formal internal complaint process ( Case # XXXX ). Coinbase has closed the matter, refusing to provide a ledger audit or evidence that any cryptocurrency was ever deposited into my wallet for the disputed amount. 

Violation of Law : 1. Failure of Consideration : Coinbase is demanding payment for a service they never rendered and a product they never delivered. XXXX. Lack of Transparency : By closing my case without providing an itemized ledger or proof of delivery, Coinbase is in violation of the Electronic Fund Transfer Act ( EFTA ) regarding error resolution. XXXX. Florida HB 989 : As a Florida resident, I contend that this 8-year restriction is an " unsafe and unsound '' practice under Floridas XXXX financial regulations. 

Requested Resolution : I request that the CFPB compel Coinbase to provide a manual audit of my XXXX transaction history and remove the inaccurate negative balance. I further request the immediate restoration of my account access.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
While I was outside the United States, my credit card was used for a series of unauthorized transactions totaling over {$20000.00}. 

The charges occurred across multiple merchants and different U.S. locations, over a period of time, clearly inconsistent with my location and normal spending patterns. Despite the size and pattern of these transactions, I did not receive any fraud alerts, phone calls, emails, or app notifications from the bank. 

Because my account was set up with automatic payments, the fraudulent charges were paid automatically and were not immediately visible to me. Upon returning and discovering the issue, I contacted the bank as soon as possible to report the unauthorized transactions. 

The bank refused reimbursement and denied my dispute. Importantly, the bank also denied transactions that were within XXXX days of my notice, without providing a clear explanation, investigation details, or documentation of how those timely disputes were reviewed. 

I requested information regarding the banks fraud investigation process and the rationale for denying the disputed transactions, including those within the XXXXday window, but the bank did not provide this information. 

I believe the bank failed both in reasonable fraud monitoring and in properly investigating and resolving my dispute in accordance with consumer protection requirements.

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 2026-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I was a victim of identity theft snd several data breaches. This company ignored my documentation of identity theft and several data breaches. This is not my account with LVNV Funding LLC .. this was also documented with XXXX  XXXX XXXX  XXXX & XXXX. This should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am reporting Cash App ( XXXX, XXXX ) for aggressive collection practices and failure to provide meaningful customer service despite a documented financial hardship. 
XXXX. Good Faith Efforts : After losing my job, I made multiple manual payments to demonstrate my intent to cooperate : Manual payments of {$0.00} and {$0.00} when I had no income. 
Manual payments of {$10.00} and {$25.00} as soon as I obtained limited funds. 
XXXX. Aggressive Collection : Despite my active manual payments and cooperation, Cash App forcefully seized my remaining {$130.00} from my account, causing immediate and severe financial distress during my unemployment. 
XXXX. Failure of Service : I contacted support ( Reference Thread : XXXX ) to request a manual hardship review and a sustainable payment plan. Agents XXXX and XXXX refused to provide a manual review, offering only scripted, automated responses. This failure to provide adequate human support violates the spirit of the XX/XX/year> CFPB Consent Order ( $ XXXX fine ) against XXXX XXXX XXXX regarding their customer service failures. 
I am requesting a manual acknowledgment of my good-faith payment history and a restoration of my account features.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NE

Complaint narrative:
Cash App denied my dispute after I was the victim of a scam that resulted in unauthorized transactions. I reported the issue to Cash App immediately and provided all relevant details. Despite this, they refused to reimburse the funds and did not provide any proof that the transactions were authorized by me. 
Cash App also did not explain how they conducted their investigation or how they verified the transactions. Their response did not meet the requirements for handling unauthorized electronic fund transfers. This situation has caused financial harm, and I am requesting proper review and reimbursement according to federal consumer-protection rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 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: IN

Complaint narrative:
I had a Chime account that was closed in XXXX. At the time of closure, my remaining balance was approximately {$11000.00}, consisting entirely of unemployment benefits from XXXX. 

Since the account closure, I have repeatedly requested that Chime release my remaining balance or provide written confirmation of where the funds are, including whether they were disbursed or escheated to the state. 

On XX/XX/XXXX, at approximately XXXX XXXX, I called Chime to resolve this issue. The agent : Refused to provide his agent ID Refused to transfer me to a manager Stated my account was not in compliance with Chime deposits, even though I provided all requested identification documents, including ID, drivers license, birth certificate, social security card, utility bill, W-2, and proof of address Admitted that a manager would give the same refusal Chime has never provided proof of disbursement or escheatment of my {$11000.00}. They have continued to withhold information regarding my funds for over XXXX years, despite repeated verification of my identity and lawful entitlement to these unemployment benefits. 

I am requesting that Chime release my funds immediately or provide written proof of disbursement or escheatment, including dates, amounts, and the entity that received the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I am a co-borrower on an FHA mortgage serviced by Freedom Mortgage. Our loss mitigation application was confirmed as facially complete on XX/XX/XXXX. After this confirmation, Freedom Mortgage delayed in sending required documentation and failed to clearly communicate next steps in the process. 

My sister and I submitted the requested paperwork on XX/XX/XXXX. Freedom Mortgage later stated the documents were received on XX/XX/XXXX, despite our timely submission. During this period, we were in contact with a Freedom Mortgage representative, XXXX, who did not advise us that late payments would be reported to the credit bureaus while the loss mitigation review was ongoing. At no point were we warned of potential credit reporting consequences. 

During this period of servicer delay and active loss mitigation review, a XXXX late payment was reported to the credit bureaus. Freedom Mortgage has since attributed the delay to us, even though the delay resulted from their failure to timely provide documentation and guidance after confirming the application was facially complete. The payment was brought current, and the account was otherwise in good standing. 

This credit reporting does not fairly or accurately reflect the account history and resulted directly from servicer processing delays and inadequate communication during an active loss mitigation review. I am requesting a full review of the servicing timeline, including recorded calls, and correction or removal of the reported late 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