vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NC

Complaint narrative:
My wallet was stolen from my truck morning of XX/XX/year>. The suspect was able to spend XXXX  of dollars at multiple different locations and even use the ATM for multiple repeated transactions within minutes of one another. These transactions occurred XX/XX/year> from XXXX I have attached photos of all the transactions with time stamps. 

My debit card on chime was the primary source of theft, however another bank account was stolen from for {$80.00} that was in it with multiple failed pin attempts before he was successful ( XXXX XXXX XXXX ). My other chime credit card was also attempted to be used for another XXXX charge but was unsuccessful. Another failed charge on my credit card through XXXX XXXX XXXX. That is 4 different cards all with multiple transactions within minutes, all of them being within only hours of each other. 

I filed a police report immediately the same day, as well as cancelled all the cards and filed a dispute with CHIME banking. This was done @ XXXX XX/XX/year> and shortly after for the other XXXX account. 

The suspect was apprehended XXXX XXXX and confirmed that it was him on the cameras and responsible for the theft and fraud. I have attached photos of the suspect as well as the charges they are being prosecuted for. I have also attached photos of emails with the police confirming he was responsible. 

My dispute through chime has been denied and it makes absolutely no sense. I have provided them with all of this information, have spoke with several individuals, and they are unable to give me any reasoning why they are denying the dispute. They have done it twice even after I tried to reopen the case and give them even more details and police contact information ( this was done on XX/XX/XXXX. They did not reach out to police or do anything to look into this case, simply denied the case and gave ZERO REASONING AS TO WHY. They are trying to scam me because they simply can and have all the power over consumers. 

The other bank had no problem contacting law enforcement and immediately resolving the issue and returning the {$80.00}. 

This is unlawful and wrong. Its not even a lot of money to them! It is clear and obvious someone else is responsible and being charged. I am only XXXX, starting a new job in a new city, this has really put a damper on my life because I can not pay any of my bills. He stole my entire paycheck and holiday bonus. I had to cancel my trip home because I didnt have my ID. Please help me get this resolved because I really need that money back or else I can not pay my bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PNC Bank N.A.
State: KY

Complaint narrative:
Formal Complaint : Urgent Account Access & Payment Failure To : PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX : Urgent : Formal Complaint regarding Account Freeze and Non-Responsiveness I am writing to lodge a formal complaint regarding my recently opened account. After opening this account and depositing the necessary funds to cover my financial obligations, PNC has placed a " fraud hold '' or charge on my account without providing a clear explanation or a path to resolution. 

The specific issues are as follows : XXXX Funds : Despite having a sufficient balance, I am unable to access my money. 

XXXX Payments : PNC is currently returning my outgoing payments. This is causing me significant financial harm, including potential late fees and damage to my credit standing. 

Lack of XXXX : I have attempted to resolve this via your customer service lines, but I am unable to get a representative to answer or provide a timeline for the release of my funds. 

The current situation is unacceptable. By holding my deposited funds while simultaneously refusing to communicate, PNC is causing intentional financial distress. I demand that the fraud hold be reviewed and lifted immediately, and that any fees incurred due to these returned payments be waived or reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: B9, Inc.
State: GA

Complaint narrative:
So about XXXX weeks ago I created a b9 account and set up direct deposit where XXXX went to that account but before I got paid I deactivated the account but guess what XXXX still went to the account I tried to scan my id so I could move the money cause they have a difficult system you need a id to be scanned it wasnt working well the account locked cause I couldnt verify then on the XXXX of XXXX I started the ach process I filled out everything and took the proper pictures sent them XXXX times they kept closing chats then XXXX accepted it and its been 8 days with no info on whats going on I dont wan na wait a month to get my money this is ridiculous and the chat isnt even responding to me yeah theyll respond a day or type later saying well confirm her no worries but I need responses now its a hopeless feeling

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
I am submitting this second complaint against Consumer Portfolio Services , Inc. ( CPS ) because their prior response failed to resolve the core violations raised and instead confirmed ongoing noncompliance with federal law. CPS continues to report a repossession and deficiency balance while failing to provide lawful verification, full accounting, or proof of accuracy required under the FCRA, FDCPA, UCC Article 9, and XXXX reporting standards. In response to my first complaint, CPS merely produced a copy of a Retail Installment Contract and generic notices, which does not constitute validation of a repossession or deficiency balance. CPS failed to provide required documentation including : a complete payment history ledger, proof of all payments received and applied, itemized calculation of the alleged deficiency, proof of the exact date of first delinquency, proof that all pre- and post-repossession notices were sent in compliance with state and federal law ( including evidence of delivery ), proof the sale was commercially reasonable, auction results with buyer and sale price, reconciliation of sale proceeds, or records supporting the balance being reported. Without this documentation, the amount CPS is reporting is based on unverified internal assertions and hearsay. Additionally, CPS improperly redirected me to a third party ( XXXX XXXX XXXX XXXX ) instead of validating the debt themselves, in violation of FDCPA 1692g ( b ). CPS also continues to furnish this account as accurate despite unresolved disputes, violating FCRA 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ). Repossession accounts must comply with XXXX guidelines, including accurate delinquency timelines, DOFD reporting, charge-off chronology, and balance reconciliation none of which CPS has demonstrated. CPS can not rely on conclusory statements that information is accurate while refusing to provide the records required to prove it. Their response confirms a failure to conduct a reasonable investigation and a continued pattern of inaccurate and unlawful credit reporting that has caused ongoing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding a XXXX account that was placed with Credit Control LLC for collection. 

While I was a college student experiencing financial hardship, I settled this account for less than the full balance several years ago. The account has had no active balance since that time. 

Despite the account being settled years ago, Credit Control continues to report this collection on my credit reports. This ongoing reporting is causing significant harm and is preventing me from obtaining basic credit. 

I am not disputing responsibility for the original account. I am requesting that Credit Control exercise goodwill and delete this settled collection from all credit bureaus, as the debt is no longer active and continued reporting serves no legitimate purpose.

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 2026-01-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: PA

Complaint narrative:
In XXXX I didn't get my social security check and nobody at direct express could tell me why. In XXXX I got my money deposited and everything was fine. In XXXX I got my deposit but someone was stealing the money off of my card so direct express locked my account. They told me to cut up my card and to order a new one. They unlocked my account and said I must prove my identity to get a new card ordered. I sent my drivers license, social security, and birth certificate to the email they provided me with. Fast forward to XXXX XXXX and they still have not approved me for a new card. So far I have heard zero updates. Every time I talk to customer service they tell me that I need to do something different. They are giving me the run around and will not allow me to access my own funds. I personally went to the social security office and they told me there was nothing they could do on their end but try to send in the identification information themselves. I just want to be able to access my money so I can move it into another account where it wont be stolen. I am slowly starving and about to be facing homelessness as XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
Between XX/XX/year>XXXX  and XX/XX/year>, I was the victim of a sophisticated cryptocurrency investment scam that resulted in the loss of approximately USD XXXX XXXX in digital assets. The scam induced me to transfer cryptocurrency through my consumer account at Payward , Inc., d/b/a Kraken ( Kraken ), a U.S.-based cryptocurrency exchange that provides consumer-facing payment and transfer services. 

Over this period, substantial amounts of cryptocurrency were transferred from my Kraken account to external wallet addresses associated with the fraudulent scheme. The transaction activity exhibited multiple characteristics consistent with known consumer scam typologies, including rapid and repeated high-value transfers, transfers to newly created or high-risk wallet addresses, aggregation of large sums, and ultimate loss of consumer control over the assets. 

Despite these indicators, the transactions were processed through Krakens platform, resulting in significant consumer financial harm. On or around XX/XX/year>, Kraken restricted or closed my account, which coincided with the collapse of the fraudulent scheme and blocked withdrawal attempts. This action occurred only after the majority of funds had already been transferred. 

I am not alleging intentional misconduct by Kraken. Rather, I am requesting CFPB review of whether Krakens consumer-facing payment and transfer services included adequate safeguards, monitoring, warnings, and intervention measures to protect consumers from reasonably identifiable scam activity, and whether Krakens response was timely and appropriate given the scale and pattern of the transactions.

I have preserved extensive documentation, including Kraken transaction records, wallet addresses and transaction hashes, communications associated with the fraudulent scheme, and records relating to the account restriction. I am prepared to provide this information upon request. 

Complaints relating to this matter have also been submitted to federal regulators and law enforcement to support broader analysis of scam-related activity and consumer harm. I respectfully request CFPB review of this matter and any action it deems appropriate to address potential unfair, deceptive, or abusive practices and to prevent similar harm to other consumers.

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 2026-01-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Marauder Corporation
State: TX

Complaint narrative:
Company name : XXXX XXXX XXXX XXXX Account number : XXXX Amount : {$760.00} What happened XXXX XXXX XXXX XXXX is reporting a collection account on my credit reports for a debt that does not belong to me. I have never had an account with the alleged original creditor, nor have I agreed to any debt in this amount. 

Despite the debt being inaccurate, XXXX XXXX XXXX XXXX has continued to report this account as a collection every month, causing ongoing harm to my credit profile. 

I formally disputed this debt and requested validation. To date, XXXX XXXX XXXX XXXX has failed to provide competent evidence that I am legally responsible for this alleged debt, including any signed contract, application, or proof of ownership. 


By continuing to report this account without proper validation, XXXX XXXX XXXX XXXX is : Reporting inaccurate and unverified information in violation of the Fair Credit Reporting Act ( FCRA ) Attempting to collect and report a debt that is not owed, in violation of the Fair Debt Collection Practices Act ( FDCPA ) Failing to conduct a reasonable investigation before furnishing negative information to credit bureaus Causing ongoing financial and reputational harm through repeated collection reporting

Company response to consumer: Untimely response
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
I am disputing the credit reporting of LVNV FUNDING LLC for the following accounts that LVNV FUNDING LLC is furnishing on my consumer credit reports : LVNV FUNDING LLC The original creditor, XXXX, has provided written confirmation that : * They are no longer the creditor * The accounts were charged off and sold * They report a XXXX balance * They disclaim any authority over LVNV FUNDING reporting * They can not verify LVNV FUNDING tradelines Because XXXX  has disclaimed any legal authority, LVNV FUNDING LLC is now furnishing data without verified legal standing, chain of assignment, or documented right to report. 

Under FCRA 15 USC 1681s-2 ( a ) and 1681s-2 ( b ), a furnisher must have verified legal standing, chain of custody, and documentary authority to report consumer data.

LVNV FUNDING LLC has not provided : * Original signed contract * Chain of assignment * Bill of sale showing my specific accounts * Purchase schedule identifying my accounts * Proof of ownership * Proof of permissible purpose Therefore LVNV FUNDING LLC is furnishing unverifiable and inaccurate tradelines in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I was provided with XXXX Mortgage Assistance to bring my mortgage current through XXXX. The servicer of the mortgage was XXXX XXXX  at the time. The payment was made by the state of XXXX XXXX XXXX XXXX XXXX indicated that $ XXXX was necessary to do so. I was eligible for XXXX yet when the mortgage was sold by XXXX to PHH Mortgage. The payment history reflected arrears of $ XXXX and XXXX  days past due payment history. I was in a XXXX XXXX plan at the time and all payments were made through the Bankruptcy XXXX through payroll deduction to XXXX. The Mortgage Assistance was paid directly to XXXX and it required XXXX to provide the amount of arrears to include future payments until the funds were paid and the maximum of $ XXXX was reached. If an error was made in calculating the amount of arrears, I do not wish to be penalized and that should not be passed on to PHH Mortgage or myself. Currently the arrears and XXXX days past due payment history is being reflected on my credit report. I am locked out of using the more than XXXX of equity in my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: AL

Complaint narrative:
CREDIT SYSTEMS INTER is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT SYSTEMS INTER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
I spoke with XXXX XXXX on XX/XX/year>, about a tire and road hazard refund that I never received when XXXX XXXX XXXX XXXX paid off the loan. XXXX XXXX stated that he would contact the accounting department, and a check would be sent out in eight weeks. I contacted XXXX XXXX in XX/XX/year>, who stated he thought that I had already received the check, but would get with the accounting department to find out if the check was mailed. When I spoke with XXXX XXXX, XXXX, on XX/XX/year>, about receiving the check, he stated that I had to speak with XXXX XXXX, which was holding a refund check to issue to me. After our conversations, I contacted XXXX XXXX at XXXX, spoke with a representative who identified himself as XXXX, who stated XXXX XXXX is a part of their division but does not issue refund checks for tire and road hazard contracts. He looked up my contract and gave me the number to contact XXXX XXXX, which issued the tire warranty. I immediately contacted this company at XXXX and was told by the representative that to contact XXXX XXXX XXXX, formerly XXXX XXXX XXXX, accounting department XXXX or XXXX to receive payment. The representative stated that I was to receive 55.25 % of XXXX, which is {$690.00}, as I paid XXXX for the tire warranty. I contacted XXXX XXXX on XXXX and was told that someone would give me a call back, and I haven't received a call back concerning this matter.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I had a promotional item that it was due on XX/XX/XXXX I had an oversight due to medical situation I had during and I can supply evidence. Balance to had been paid by XX/XX/XXXX was XXXX missed the deadline of the XX/XX/XXXX and interest charged was accessed on XXXX XX/XX/XXXX on XX/XX/XXXX checking my bills I realized I had missed this promotional called on XX/XX/XXXX to see if there was an exception to be able to remove this charge and that I would pay the balance XXXX which I did online they refused to help on waiving the fees. I just need a courtesy and humanity that one person under circumstances and willing to should not penalized for such over sight. This excessive amount interest and willing to pay the full amount within days this is reasonable time period. They should give a 30 days grace period which most company due when they have promotional items.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Byrider Franchising, LLC
State: MI

Complaint narrative:
In XX/XX/year>, I contacted my auto lender after learning my vehicle had been repossessed. I was told verbally that I owed a repossession fee and that a {$410.00} payment was required for the repossession, and that a subsequent payment of approximately {$500.00} would be for the vehicle. 

On XX/XX/year>, I made a {$410.00} payment. On XX/XX/year>, I made a {$500.00} payment. However, the written receipts for both payments show {$0.00} applied to repossession fees and {$0.00} applied to late fees, with the payments instead applied to interest. 

I never received any written repossession notice, reinstatement or redemption quote, or itemized accounting identifying repossession, towing, or storage fees. The lender charged and collected money based on verbal representations that are contradicted by the written account records. 

I am disputing the repossession-related charges, the misapplication of my payments, and the interest assessed without proper written disclosure. I am requesting a full written accounting, correction of my account, and removal or refund of any improperly charged amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: High Performance Capital
State: TX

Complaint narrative:
The debt collector refused to provide an email address after I asked them to, she stated we can talk on the phone. Representative kept refuse and terminated the calls when I requested. The collector use deceptive SMS language implying legal action ( " filing case '' and " verify location '' ). This prevented me from exercising my rights under the FDCPA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response