vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, Sunrise Credit Services sent me 39 automated text messages from shortcode XXXX regarding an alleged debt originally owed to XXXX XXXX ( XXXX ). I never provided prior express written consent to Sunrise Credit Services to contact me via automated text message. Sunrise is a third-party debt collector any consent previously given to XXXX as the original creditor does not transfer to Sunrise. Sunrise also failed to provide a written debt validation notice within 5 days of initial contact as required by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), and continued collection activity including all 39 texts without ever providing debt validation. Additionally, Sunrise reported this disputed debt to XXXX on or about XX/XX/XXXX without authorization. The debt is disputed. It relates to a home internet account that I did not personally incur. My separate account with the original creditor was paid consistently and on time. I have requested debt validation in writing. I am requesting that Sunrise immediately cease all collection activity, remove the collection tradeline from all credit bureaus, and provide written confirmation of both actions.

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 2026-03-09 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: Chime Financial Inc
State: MN

Complaint narrative:
I noticed XXXX different charges that I never made. {$660.00} on XX/XX/year>, {$320.00} XX/XX/year>, and {$410.00} on XX/XX/year>. They appear to be out of state transactions and I never made them was I in that state on those days. I filed a dispute and XXXX days later chime denied the dispute and closed the claims

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CL Holdings LLC
State: GA

Complaint narrative:
In XX/XX/year>, I reviewed my credit report and noticed several collection accounts reported by different collection agencies that I do not recognize and did not authorize. These accounts were reported with various balances and have negatively impacted my credit. After discovering these items, I began reviewing my credit report and disputing the accounts because I do not recall opening or agreeing to these debts. I have requested that the companies provide proper verification of the debts, including documentation showing that I authorized these accounts. At this time, I am requesting that the collection agencies investigate these accounts and provide full verification. If they can not verify that these debts belong to me, I am requesting that they be removed from my credit report and that all collection activity stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Complaint about incorrect and outdated medical debts reported by bank and collection agency I am submitting a complaint regarding incorrect medical debts that are still being reported on my credit reports by both a bank and a collection agency. These accounts relate to XXXX XXXX from approximately XXXX. Under the Fair Credit Reporting Act, negative accounts generally can not remain on a credit report for more than XXXX years. However, these debts are still appearing and damaging my credit score. I have disputed these accounts multiple times with the credit bureaus ( Equifax, Experian, and TransUnion ). Despite my disputes, the accounts remain on my credit report. The credit bureaus repeatedly request proof of payment. These XXXX XXXX were covered and paid by my insurance company, and I do not have direct payment receipts. It is the responsibility of the reporting companies to verify the accuracy and legal reporting period of these debts. If the bank or collection agency can not properly validate the debts or if they exceed the legal reporting period, they should be removed immediately. Additionally, some of these medical debts are under {$500.00} and should not be reported under current credit reporting policies. I request a full investigation and the immediate removal of these outdated and unverified accounts from all credit reports. These incorrect reports have negatively impacted my credit for many years. It feels like they are deliberately harming me.

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 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Early XXXX I got a Chase card, I used the card to pay for bills and general use, within XXXX weeks I had already accumulated enough charges to be able to get my welcome points, by this time I had over XXXX points sitting and waiting to be put in my account. Out of nowhere, Chase closes my account and would not give me details. They apparently stated I had to many hard credit checks due to me attempting to get another card to accumulate points for XXXX. I believe this was done unjustifiably. Then after they closed my account and I did not receive my points, they still charged me for the annual fee and dinged my credit.!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
They have been charging my credit card fees XXXX in a XXXX and hid it. After I paid my monthly fees and other charges they deleted them. You can't find them in the statement. You can't even pull the statements to review it. I already complained via text over banking mobile. You can not get a hold of live person. It's frustrating! So, I end up paying the credit cards company to avoid more charges. But, it's becoming problematic because it felt like I'm being taking advantage of.

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 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
On XX/XX/XXXX i opened a checking and savings accounts in response to their {$700.00} promotion ( {$450.00} for direct deposit {$2000.00} to checking and {$250.00} for deposit {$3000.00} in savings ). 2 months after i have met all the requirements, on XX/XX/XXXX the bank credited my checking account with XXXX {$450.00} bonuses, XXXX was listed as " promotion base '' and the other was listed as " promotion kicker. '' So i thought it was the bank 's nice gesture to increase the savings bonus from {$250.00} to {$450.00} as a XXXX gift. I then withdrew all my funds to pay my credit card. On XX/XX/XXXX i received a letter in the mail from the bank stating that my checking account has a negative balance of {$450.00}. I was shocked and called the bank right away on that same day asking what's going on. The agent told me that the bank made an error in depositing the bonuses so they reversed XXXX of the credits. She apologized for the error and for lack of communications from them. When i asked why they didn't post the {$250.00} when they reversed {$450.00} she said she has to pass on to a different department and get back to me. Then i never heard back for weeks. Meanwhile, i deposited {$200.00} to my checking to return the overpayment ( $ XXXX {$250.00} ). But in XXXX they still didn't post the {$250.00} bonus. So i called again and spoke to a different agent. He told me i didn't get the {$250.00} because i didn't meet the savings requirements, which is not true. He told me the savings bonus is paid XXXX later which is also not true. Everybody i know ( and i know many ) has received the {$450.00} and {$250.00} on the same day - XXXX months from the account opening date, not deposit date. The bank messed up with my account at initial posting and they refused to make the correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
In XXXX my life was turned into shambles. I started having very weird things occur on multiple electronic devices.I had accounts being ooened. Getting weird information when asking the companies for information such as different numbers not connected in any way to myself. Bring told I had done something I hadnt or spoke to places I hadnt. Opening accounts using programs or things I knew nothing about let alone doing. I began to realize slowlt that all my electronics had been hacked and in light of making tyings more confusing I had and stll have no control of my devices. I have been forced into a group of developers and hackers who are international. Since then I have had no control over most things in the digital world. I am simoky asking that you look hard and deeply into accts or anything that is submitted opened in my name. I had a freeze on my credit since XXXX and somehow have these debts in large amounts that are not mine. I am exhausted from this nightmare that seems to never get better no matter how much I try. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover sold the debt to a collections agency who tried to sue me for the debt in XXXX XXXX, Texas. Due to not showing in court to prove I owed the debt, the case was dismissed and the debt was no longer owed. The plaintiff had time to appeal and they did not appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block XXXX Inc ) due to inadequate customer service and unfair practices. which violates Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, furthermore the dispute resolution process was unfair and deceptive, as they did not comply with error resolutions requirements under th electronic fund transfer act and regulation XXXX. these actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: Winklevoss Exchange LLC
State: SC

Complaint narrative:
On XX/XX/XXXX to XX/XX/year>, Gemini approved transactions totaling approximately {$1500.00} for gambling to the sports betting app XXXX. I specifically got this card because I have a gambling problem and there terms and agreement prohibit the XXXX of betting and gambling with card. According to their cardholder agreement, gambling transactions are explicitly prohibited, yet these charges were allowed to go through. The transactions appear on my statement, and I am seeking resolution because the company allowed charges that violate their own agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Mortgage — Reverse 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: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding the handling of foreclosure proceedings on XXXX mortgage loans serviced by Shellpoint Mortgage Servicing while I am experiencing documented medical hardship and actively requesting loss mitigation review. The loans involved are : Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Number : XXXX Loan Balance : {$250000.00} Reinstatement Amount : {$13000.00} Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Number : XXXX Loan Balance : {$250000.00} Reinstatement Amount : {$11000.00} I have historically made my mortgage payments on time. The current delinquency occurred during a documented medical hardship while I have been under XXXX XXXX. My medical records confirm diagnoses of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX related to mental health conditions These conditions significantly impair my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my good-faith attempts to request assistance and hardship review, foreclosure proceedings have been initiated.

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 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: OR

Complaint narrative:
On XXXX I received a call from someone impersonating a chime service specialist and that there had been fraudulent activity on my account and that the account needed to be closed and my money transfered to a new account. They somehow had access to my account because they used a tool in chimes banking service called pay anyone to send all my money to an unknown person. I immediately called chime told them what happened and the assured me that if I dispute the charges I would get my money back. I did that. They denied it. I called again and they told me I needed to provide evidence. I sent them what I could. Its not like thieves leave a paper trail. In less than XXXX XXXX hours they denied it again. I once again called and they now tell me I have to get a police report but that they cant guarantee ill get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
If you want to avoid getting dragged into a civil lawsuit where you XXXX have to pay for damages, for something you did not even intentionally do, I suggest you delete the illegal collection accounts from my credit report today. You see, CREDIT SYSTEMS XXXX IN, has furnished a collection account on my credit report without validating this debt with me beforehand. In fact, the following debt collectors never sent me a dunning letter ( which is mandatory to validate a debt ) within XXXX days of the accounts getting reported ( which is also the initial communication ). Therefore, the accounts listed below must all get deleted from my credit report under XXXX USC XXXX. However, there is XXXX way you can leave the items on my credit report unscathed. And in order to do this, you must produce proof a dunning letter was sent to my address ( within XXXX days of the account getting furnished ). If you can not produce the requested information, then, by law, you must delete the collection items off my credit report by my next report update. The only reason I am aware of these accounts are because they were in my credit report. If I got a dunning letter beforehand I wouldve, without a doubt, disputed the debt and never let this criminal debt collectors get away with this disgusting act. This is the reason, I intend to litigate immediately if these items are not removed from my report. I can not stand it when people try to take advantage of others which is obviously what is being done to me. So, if you want to free yourself from the heinous acts of the debt collectors in this complaint, simply delete the accounts below and I will drop my claim :

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: MD

Complaint narrative:
I am submitting this complaint regarding Discover Banks failure to properly post or return a deposit that belongs to me. On or about XX/XX/year>, XXXX transfers, both in the amount of {$5100.00} were sent from my Discover Bank accounts to my XXXX XXXX account. Discover confirmed that the transfer was successfully completed and that the funds were delivered. However, during the time XXXX received the funds, XXXX closed my account. Under these circumstances, the funds should have been returned to Discover. Discover initially issued a provisional credit to my account, acknowledging the expected return of the funds, but that credit was later reversed. Requested trace identification numbers from XXXX have been provided. Since that time, the funds have not been restored to my account, and their current status has not been clearly explained. Despite contacting Discover to resolve this matter, the issue remains unresolved and the {$5100.00} deposits remain missing. As a result of this situation, I have experienced significant financial hardship, stress, and disruption while attempting to locate and recover my funds. I respectfully request that Discover Bank : XXXX. Conduct a full investigation into the missing returned deposit. XXXX. Provide documentation confirming the location and status of the funds. Requested trace identification numbers from XXXX have been provided. XXXX. Immediately credit both the accounts with the full amount of {$5100.00} each, if the funds were returned to Discover. XXXX. Also credit all deposits made after that were offsetting the negative balance created. XXXX. Provide appropriate compensation for the financial hardship, inconvenience, and time spent attempting to resolve this matter, which resulted from the failure to properly handle or account for this returned deposit. I am requesting the assistance of the Consumer Financial Protection Bureau to ensure that Discover Bank fully investigates this matter and promptly restores the missing funds and addresses the damages caused. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
CFPB FollowUp Correction ( Final Version ) I would like to provide a clarification regarding the dates referenced in my initial complaint. The phone call in which the Wells Fargo representative attempted to deliver a verbal final determination occurred on XX/XX/XXXX. The separate phone call that violated my notelephonecontact preference occurred on XX/XX/XXXX. All other details in my complaint remain accurate. This clarification does not change the substance of my concerns ; it simply corrects the timeline so the CFPB has an accurate record of events.

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 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST PORTFOLIO SERVICING INC
State: IN

Complaint narrative:
My credit limit is XXXX now I use all XXXX now Im paying every month {$41.00} so I start in XXXX XXXX XXXX thats a three payment but I still dont see those payment and they keep charging me late fee even though I always make a payment and my credit is still XXXX my credit limit still XXXX dollars even though I make three months already and its hurting my credit I call they said they will fix it and they never fix it

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TClub Inc
State: CA

Complaint narrative:
Dear Team, I am transferring my tax return funds to my XXXX XXXX XXXX account for my family needs. Fund transferred from XXXX XXXX account ( XXXX ) through Abound money transfer is not yet credited in my XXXX Bank account ( XXXX XXXX ) Transferred amount is not credited in my XXXX bank account but Abound mobile application says its delivered. There is no evidence for the amount to get credited in my XXXX account. I have not received any reply for my mails sent to Abound team. i have attached my bank statements ( both XXXX and XXXX ) for the requested period for your reference and usage. Amount Transferred through ABOUND money transfer is not credited in my XXXX Bank account. All mail chats with Abound team is also attached for your reference.

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 2026-03-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Colony Brands, Inc.
State: DC

Complaint narrative:
I called Midnight Velvet on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX to inquire as to when I will receive my refund ( {$130.00} ) for the items returned to them and the customer service representative gave me such a hard time I requested to speak to a supervisor and she placed me on hold for such a long time I hung up the phone and called back and a supervisor by the referenced number XXXX, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. After she put me through XXXX and confirmed my information in her system then she stated I should receive my refund by XX/XX/year>. This issue is stemming from the initial issue concerning the same items from XX/XX/year>.

Company response to consumer: Closed with explanation