vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THESE INQUIRIES ARE ERRONEOUS AND DO NOT REPRESENT ANY AUTHORIZED OR VALID CREDIT ACTIVITY ON MY PART. I DID NOT GRANT PERMISSION FOR THESE ACCESS EVENTS, AND THEIR INCLUSION ON MY CREDIT REPORT IS UNJUSTLY AFFECTING MY CREDIT STANDING. I AM FORMALLY CHALLENGING THESE ENTRIES AND DEMAND A DETAILED REVIEW AND PROPER AUTHENTICATION. IF THEY CAN NOT BE SUBSTANTIATED WITH ADEQUATE DOCUMENTATION, THEY MUST BE REMOVED PROMPTLY.

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 2026-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
My vehicle was stolen on XX/XX/XXXX, while I was a Maryland resident. I filed a police report and notified XXXX. Despite knowing the vehicle was stolen and that I did not have possession, XXXX has continued to treat the loan as active and delinquent. The most recent update to this account on my credit profile occurred this year, even though the account was closed in XX/XX/XXXX and the vehicle was stolen. XXXX continued furnishing new updates in XXXX, XXXX, and XXXX despite having no legal basis to do so, reporting a pastdue balance of {$19000.00}. I have received multiple emails from XXXX since the closure of my account. I have emails dated from XX/XX/XXXX, through XX/XX/XXXX, in which XXXX repeatedly stated, Your vehicle is assigned for repossession, even though the vehicle was stolen and no repossession order existed. These communications were false, misleading, and threatening. I requested that XXXX cease all repossession communications for my stolen vehicle, but the threats continued. I also disputed the inaccurate reporting with the credit bureaus. XXXX failed to properly investigate my disputes and continued furnishing information they knew or should have known was inaccurate. They did not update the account to reflect the theft, the police report, or the fact that the account was closed. As a Maryland borrower, I am protected under Maryland XXXX XXXX XXXX, which prohibits false threats, harassment, and misrepresenting the legal status of a debt. XXXX conduct violates these protections as well as the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 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: RI

Complaint narrative:
I was scammed out of {$180.00} by a fake cannabis delivery service. XXXX used phone XXXX ( XXXX ) XXXX, sent fake weed photos and fake return policy screenshots, then used lies about XXXX cards and police fines to pressure me into sending money via Chime XXXX XXXX to $ XXXX. I gave them my work address for delivery that never happened. I disputed the transactions with Chime and was told they couldnt do anything. After looking into it myself, I found that this is a well known scam. Already reported to FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB
State: CA

Complaint narrative:
I financed a purchase through Klarna on XX/XX/year>, which was delivered on XX/XX/year>. I later returned the merchandise as it was a bit large for me, confirmed by Klarna that XXXX refunded on XX/XX/year>. The merchant retained approximately {$10.00} in shipping charges. Klarna retained approximately {$94.00} in financing interest despite the merchandise being returned. XXXX Klarna representative stated that a full refund from the merchant would waive the interest via XXXX, while another representative later stated that even if the remaining balance were refunded, the interest would still remain via phone call, all completed on XX/XX/year>. I believe XXXX refund and financing disclosures were unclear and inconsistently communicated, resulting in unfair and unexpected charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
On XX/XX/XXXX the XXXX XXXX XXXX was picked up by XXXX XXXX XXXX XXXX XXXX XXXX as a Repossession. On XX/XX/XXXX I received a notice in the mail from AZ XXXX that the vehicle was reported as abandoned. I called XXXX XXXX XXXX immediately and they said they accidentally processed it wrong but that they fixed it and not to worry. In early XXXX I attempted to renew plates on my other vehicle but i couldnt because it said i had to pay an abandoned vehicle fee. I went to the tow truck company and they said the owner of the company kept the truck for himself. When i called XXXX XXXX XXXX XXXX, they claimed the tow company owner claimed the vehicle as salvage ( provided no proof of it ) and XXXX released the title. They said they couldnt send me the repossession affidavit because it was never repossessed it was processed as abandoned. Tow truck company took no responsibility and gave me a check for {$600.00} to pay for the abandoned vehicle fee. The person who turned in the car also said the tow truck driver ran the XXXX and saw it was a repossession and continued to process it as abandoned. I also never received notices of repossession from 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 explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: IN

Complaint narrative:
On XX/XX/year> @ XXXX XXXX I moved {$1700.00} from my XXXX XXXX account to my Chime account I was at XXXX XXXX in XXXX, In. I went to the XXXX XXXX and made 2 attempts to withdraw the funds and both times the transaction were declined. When I noticed the {$1700.00} never was in my account, I called Chime right there and Chime stated the funds were released to the casino I knew that not to be true. I asked the XXXX XXXX Supervisor to please speak with Chime to confirm that I had not received any funds Chime kept saying the funds were released casino provided documents of all transactions for that night even on the Chime debit card that supposedly the {$1700.00} were released from Chime has denied me a refund even with casino ledgers of not releasing those funds Chime has stolen my money and will not give it back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: ME

Complaint narrative:
I am filing a complaint regarding my inability to access and verify an alleged debt being serviced through your platform. When attempting to view account details through your online portal, I am prompted to verify my identity using a ZIP code associated with the account. However, the system repeatedly states that my ZIP code is invalid, and I have no alternate or previously associated ZIP code on record. As a result, I am unable to access account information, confirm ownership of the debt, or review the details being reported or collected. I am requesting : 1. Full written validation of the alleged debt 2. The original creditor and account origin information 3. The complete payment and balance history 4. All identifying information currently associated with my account ( including name, addresses, and ZIP codes on file ) 5. Documentation showing how this account was linked to me despite the portal verification failure Until proper validation and accurate account access information is provided, I am requesting a review of the accuracy of this account and any reporting associated with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: FORD MOTOR CREDIT CO.
State: ID

Complaint narrative:
I am submitting this complaint to request that XXXX previously filed CFPB complaints be reopened : XXXX XXXX. XXXX and XXXX, filed against Ford Motor Credit Company XXXX XXXX XXXX XXXX Account XXXX. XXXX, a XXXX XXXX XXXX. Both complaints were closed on XX/XX/XXXX following a response from XXXX XXXX XXXX that was a form letter. It produced no records, explained no fees, and contained a statement directly contradicted by Fords own billing documents XXXX denied charging a repossession fee while their own statement confirms XXXX XXXX XXXX {$250.00} was applied to my account. I submitted a detailed forensic audit as part of my original complaint delivered certified mail to both the CFPB and XXXX XXXX XXXX, and uploaded in full to the CFPB XXXX. XXXX had full access. They responded with a form letter that addressed nothing. Key documented findings from Fords own records : {$9100.00} in total fees assessed against a loan with ~ {$9000.00} expected total interest {$2200.00} in {$250.00} charges labeled Collection Fee, Miscellaneous, and Fee Assessment no description on any XXXX months of unauthorized term extensions XXXX signed agreements produced XXXX payment reversals XXXX documented authorizations Charge-off balance ( {$7400.00} ) exceeds stated principal ( {$7100.00} ) by {$290.00} not itemized I am being threatened with vehicle repossession while XXXX refuses XXXX produce the records needed to verify the balance they claim I owe. I am asking the CFPB to reopen both cases, require XXXX to produce a complete transaction ledger, and require a line-by-line response to documented findings. A full forensic audit report and XXXX account statements are available to attach.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2026-05-07 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: TX

Complaint narrative:
" My debit card with Chime was hacked. I had to replace the card multiple times. I recently learned Chime had a major data breach in XXXX, and I'm concerned my personal information was exposed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
After I filed my first complaint with you, on XX/XX/XXXX I called the Fraud customer service line and was directed to XXXX, an account manger, and explained to her what I stated in my first complaint that I came to a cafe and tried to verify my identity in person to no avail and was not allowed to close my account even though the funds had cleared, that when I tried logging into my mobile app the previous night it said my account was locked and I needed to know what the issue is and the steps I need to take to get it resolved. She told me unless I upload my permanent hard copy ID she couldnt speak to me. It has been five or six days that I have been unable to access my account even or my funds and I have not received one call or email or letter explaining what is going on with my account and my money. They have not provided me with a reason, a path to rectify it, nor allowed me to close my account. In fact the only correspondence I have received from them since they locked me out of accessing my account is e mails inviting me to apply for a capital one credit card. Because they have not provided me with any information whatsoever, I am completely lost as what to do next. I have many questions and would like some answers. I need immediate access to my account to pay my employees and maintain my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 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: Exto Inc.
State: OK

Complaint narrative:
" Atlas Card is holding over {$1000.00} in a merchant authorization hold from residence inn that was dropped over a week ago. The merchant has provided a formal letter of release and has no claim to the funds. I have contacted XXXX multiple times, and they refuse to perform a manual release, stating I must wait XXXX days. This account is my ONLY financial resource. This is causing extreme financial hardship as I currently have a {$0.00} balance for essential living expenses. I am requesting an immediate manual reversal of authorization hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: MN

Complaint narrative:
I've reached out to this company via mail and they have failed to give me a debt validation regarding this debt, I've sent them numerous debt validation letters via certified mail and no response has been given. I've asked for a notarized document between myself XXXX XXXX and NCB Managment Services they have failed to send me this information but have faithfully sent me correspondence via text message and phone calls requesting response about this debt. I've asked for a contract that I have with this company NCB Managment Services and I've have not gotten the audacity to be given this information. Due to 15 USC 1692g I'm allowed debt validation as a consumer but have been ignored when I reached out to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2026-05-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I deposited XXXX {$100.00} bills ( {$1600.00} total ) into a Chase ATM on XX/XX/year> at approximately XXXX XXXX in XXXX XXXX XXXX, UT. The ATM accepted the cash, but the deposit was never processed and the funds were never credited to my account. The ATM receipt specifically instructed me to call Chase to verify whether the deposit went through. I filed a claim with Chase, but Chase closed the inquiry without crediting the missing funds or explaining the ATM discrepancy. I am requesting a full reinvestigation of the ATM cash deposit, including a review of ATM balancing records, cash overage/shortage records, and ATM transaction logs. Chase did not explain whether excess cash was found in the ATM during balancing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are the direct result of a data breach that compromised my personal and financial informationan event entirely outside of my control. Despite repeated attempts to resolve these issues, I am still being forced to deal with the consequences of reporting failures that should have been addressed long ago. The continued presence of these incorrect and unauthorized entries, even after clear evidence of a data breach, is unacceptable. Your mishandling of my information is actively damaging my credit score, jeopardizing my financial security, and limiting my ability to access essential opportunities. I will not continue to tolerate this level of negligence. I demand that you immediately conduct a thorough investigation and permanently remove all erroneous information. Any further delay, inaction, or refusal to correct these items will be regarded as a direct violation of my consumer rights. If necessary, I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your organization fully accountable.

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 2026-05-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EdFinancial Services
State: TX

Complaint narrative:
Ed financial had a major data breach. I could not login to an account or contact anyone that could get me to the account in XXXX after I started receiving XXXX calls a days on student loan debt relief. Last year XXXX accounts popped up that said have been open and payed every month since opening. The last XXXX months I get XXXX day delinquent on XXXX different loans for the same thing. There destroying my credit saying Im paying and then coming back saying Im XXXX days past.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
My Openbank savings account has remained blocked for over a month following a fraud/security flag related to a login from another state. I contacted customer support multiple times, including on XX/XX/year> and XX/XX/year>, seeking assistance restoring access to my account and funds. Customer support informed me that the account was blocked due to suspected fraud activity and advised me to open a new account and transfer my funds there. However, when I attempted to open a new savings account, my application was declined because Openbank stated they could not verify my information, despite me already having an existing account with them. My original account remains blocked and I am unable to properly access or transfer my funds. I have repeatedly contacted customer support but the issue has still not been resolved and I have not been given a clear timeline for resolution. I am requesting that Openbank either restore full access to my existing account or provide an immediate method for me to withdraw or transfer my funds.

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 2026-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am filing this complaint against Navy Federal Credit Union for furnishing inaccurate and inconsistent information to the three major credit bureaus in violation of the Fair Credit Reporting Act, and for failing to maintain reasonable procedures to ensure the accuracy of the information they report. Navy Federal reported a 30-59 day late payment on my auto loan account ending in XXXX, which I disputed with XXXX, XXXX, and XXXX. Following those disputes, Navy Federal provided contradictory responses to each bureau : they corrected the account to " Open/Never late '' with XXXX, objected to XXXX XXXX correction while that correction was upheld anyway with a notation of " Dispute resolved-subscriber disagrees, '' and verified the late payment as accurately reported to XXXX, where it remains on my credit report to this day. These three outcomes on the same account from the same furnisher are mutually exclusive and demonstrate that Navy Federal does not have reasonable procedures in place to ensure accurate credit reporting as required by FCRA section 1681s-2. Furthermore, Navy Federal 's own internal account system currently shows my account as current with no late payments and 100 % on-time payment history, directly contradicting the information they defended as accurate to XXXX. This inaccurate reporting caused XXXX XXXX to close my XXXXXXXX XXXX and XXXX XXXX credit card accounts and reduce my XXXX limit from {$5000.00} to approximately my outstanding balance, resulting in approximately {$13000.00} in lost available credit across accounts that were all in good standing. I also wish to document that on XX/XX/XXXX, I submitted a formal written accommodation request under the Americans with Disabilities Act and Section 504 of the Rehabilitation Act, disclosing diagnoses of XXXX XXXX XXXX and XXXX and requesting specific procedural accommodations to help me navigate the administrative process surrounding my auto loan title processing. Navy Federal deleted this request from my online messaging center without response, failed to engage in any interactive accommodation process, and on XX/XX/XXXX, a XXXXavy Federal agent disconnected a telephone call after I disclosed my disability and requested accommodation. On XX/XX/XXXX, I sent a formal certified letter to the Office of the President of Navy Federal Credit Union documenting all of these issues in detail, including the accommodation request as an exhibit, and requested a written executive-level response within ten business days. As of the date of this complaint, Navy Federal has never responded to that letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation