vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am filing this complaint against Chime for refusing to investigate a clear case of non-performance and potential fraud involving a {$1000.00} payment made via XXXX on XX/XX/XXXX. The merchant, XXXX XXXX, XXXX XXXX XXXX was hired for credit repair services. Under the Credit Repair Organizations Act ( CROA ), it is a federal violation to charge for these services upfront. Furthermore, the merchant completely abandoned the contract, failing to respond to any communication for over four months ( XX/XX/XXXX XXXX ). On XX/XX/XXXX, the merchant sent me a written admission via text message, explicitly stating that " communication hasnt been as consistent as it should have been '' and that her " focus has been split, '' confirming that my case was effectively neglected. Despite this written proof that the merchant failed to fulfill their obligations, Chime has denied my dispute based on a 120-day internal policy. A bank 's internal timeline should not supersede federal consumer protections when a merchant admits to non-performance in writing. I have already filed reports with the FTC ( Ref # XXXX ) and the Arizona Attorney General ( Ref # XXXX XXXX ). I am requesting that Chime Claim ID : XXXX reopen this investigation and issue a full refund of {$1000.00} for services not rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Byrider Franchising, LLC
State: IN

Complaint narrative:
I filed a complaint on here about CNAC running hard inquiries on my credit excessively without my consent. They responded that it was a " permissible use '' to run my credit multiple times inXX/XX/XXXX days. They then lied on the response to the complaint claiming I said I filed bankruptcy. I never told them I was filing. They also stated they would be willing to work with me and asked that I reach out to the local office. I did. I was hung up on by XXXX. She refused to allow me to speak to XXXX the manager. I called and spoke with XXXX from corporate yesterday. She emailed me this morning claiming my case was now a legal matter and she could not assist me further. I replied via email asking for the attorneys contact information. I got no response so I called back. I asked to speak to anyone higher like XXXX XXXX ( ceo ) or XXXX XXXX ( XXXX ). I called their extensions directly and left voicemails. I also tried to call the branch again. I was hung up on by XXXX. I am still willing to pay the past due amount of XXXX but they told me on the phone that they would not accept my payment. They refused to give me the attorney 's info after claiming my case was now a " legal matter ''. I have tried to pay the debt I owe but CNAC is deceptive and keepsXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
A home equity loan was opened with Frost Bank on XX/XX/XXXX. This is a fixed interest rate loan for the amount of {$37000.00} with an interest rate of 6.240 % and a monthly payment of {$270.00}. Breakdown being {$16.00} towards interest and {$250.00} to principle. Autopayment is set up on this loan and is paid on time every single month preventing any additional per diem or fees. After a recent credit review in XXXX of XXXX, I noticed the balance on this loan only went down to {$34000.00} which was extremely alarming for it being a fixed rate loan. I reached out to Frost bank on XX/XX/XXXXXXXX asking why the principle balance as barley reduced in almost 3 years of paying on the loan. The representative was confused, advising me that the loan is classified as a fixed interest loan at 6.240 %. I requested payment history and an escalated call. I received an Amortization Schedule from Frost Bank showing future transaction breakdowns with XX/XX/XXXXXXXX being the start date. There was no payment history sent reflecting previous payment breakdowns. I did not receive an escalated call from Frost Bank. I called Frost on XX/XX/XXXX to request the contract. The representative told me the same thing regarding the loan being classified as a fixed rate loan. Escalation was requested but never received. Promissory Note was received. After review, there are no mentions of this loan being a retail balloon loan. Documents will be attached to this complaint for review. Called Frost bank on XX/XX/XXXX. The representative said the same thing as the two other agents stating that this was a fixed rate loan. The representative attempted to make contact with the Frost Branch where the loan was signed but was not able to. After an inconclusive conversation, an escalated call was requested but has not yet been received. It is clear there is an error with this specific loan as Frosts representatives do not know what to tell me at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sunrise credit XXXX XXXX XXXX XXXX I would like all of these accounts deleted due to fraudulent or incorrect information

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 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
associated bank refused to help me my account got hacked of XXXX dollars then the employee at the local bank opened up new accounts for me and deposited all the money from the hacked acct and then refused to help research this and told me i was on my own then the bank took the money out and pushed me overdrawn due to employee error at bank and now they closed all my accounts never called or informed me in any way shape or form that this was happening not they XXXX up my direct deposits all employees there are very rude and lack communication skills and many other issues with there bank and there people both at headquarters and the local branch in XXXX XXXX wisconsin

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: TX

Complaint narrative:
Company : Abound ( U.S. operations/ remittance service ) Issue Type : Money Transfer / Delay / Misleading Service Subject : Complaint Regarding Delayed Funds Transfer by Abound What happened : On XXXX XXXX XXXX, I initiated an ACH transfer of {$1800.00} through Abound ( Transaction ID : XXXX ) to an XXXXXXXX XXXX bank. At the time of the transaction, the estimated delivery was XXXX XXXX XXXX. As of today, the funds have not been received. I have repeatedly contacted Abound through email, support, and multiple social media channels. Their responses appear template-driven, providing vague timelines such as 35 business days without specifying a clear delivery date. There has been no resolution, and the transaction remains pending. Actions I have taken : Contacted Abound support multiple times. Posted inquiries on social media platforms ( XXXX, XXXX ). Requested a clear timeline or refund. Request : I request the CFPB to intervene and ensure that : My funds are delivered immediately, or I receive a full refund if Abound can not process the transaction. I am submitting this complaint to document the delay and lack of transparency, and I seek assistance in resolving this matter promptly.

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 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The closed account XXXX is currently reporting late for the month of XXXX of year XXXX. I am attaching the statement for this particular month. On the statement clearly shows {$0.00} Past Due Amount therefore I was never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is a fraud account and tried to get it removed but it wasnt removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc.
State: MI

Complaint narrative:
XXXX, amount of {$1000.00}, I have tried to contact XXXX XXXX my daughter got XXXX thru this company it was suppose for a year. We were 4 months in with a payment plan the company went bankruptcy. they were suppose to sent her retainers to finish out the process of her teeth. XXXX XXXX XXXX contacted me about my bill, I received at bill from a third party TEK collect wanting me to set up a payment. Debt is now showing up on my credit report. I don't feel as if a company that goes bankruptcy so still be able to collect money for clients if they the clients don't receive the finished project. I ended having to go with a different company for my daughters teeth and had to start all over again with more money and now more debt. Now it is affecting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: OH

Complaint narrative:
I am filing this complaint after following all required dispute procedures. In XXXX, I disputed this account directly with XXXX regarding inaccuracies in the reporting of the alleged deficiency balance. After approximately 30 days, XXXX responded stating that the account was verified. On XX/XX/XXXX, I sent a certified letter to XXXX requesting their Method of Verification, specifically asking how the debt was verified and what documentation was reviewed. I later received a response again stating the account was verified, but no documentation or detailed explanation of the verification process was provided. On XX/XX/XXXX, I also sent a certified letter directly to XXXX XXXX requesting validation of the alleged deficiency balance. I requested documentation including : The date of repossession The date and type of sale The sale price An itemized breakdown of how the balance was calculated Documentation showing compliance with Ohio repossession notice requirements As of today, I have received no response from XXXX XXXX. My dispute with XXXX is no longer pending, and I have completed the required investigation period. I have contacted both the credit reporting agency and the furnisher directly in an effort to resolve this matter before filing this complaint. Despite my written disputes and requests for documentation, the account continues to be reported without providing proof of proper notice, proof of sale amount, or an itemized deficiency calculation. I am requesting a full investigation into whether this account is being reported accurately and in compliance with the Fair Credit Reporting Act and applicable repossession laws.

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

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I sent money to this ticket seller online with legit post and they asked me to XXXX them {$820.00} and I have receipts and pictures and proof of the messages between us and I never got the tickets received to me to find out This was a whole fraud who scammed of {$820.00} dollars. I really need my money back and got tricked into thinking this was legit please

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/year> @ XXXX XXXX ET, I was using XXXX to process a payment from XXXX XXXX in the amount of {$250.00} I noticed the client made it a sale instead of a transaction. I had a current balance in my XXXX account of {$12.00} that I went ahead and instantly transferred to another bank account ( TRANSACTION ID # XXXX ). I noticed that the {$250.00} XXXX sent was now on HOLD, said there would be an amount fee taken out of the {$250.00} of {$7.00} So I agreed and then tried to click to transfer the remaining balance into another account and it did not let me and my account was now on HOLD. When I clicked the button as to why it was on HOLD it said to make a business account with my XXXX account to access the SALES transaction of {$250.00} from XXXX XXXX. I got an email at XXXX ET stating that they had confirmed my documents for the business account and they had been reviewed and a thank you for keeping XXXX safe. I went back to the XXXX app in hope of being able to access the {$250.00} now. To my surprise it was still on HOLD and my entire XXXX account was no longer accessible. I immediately contact customer support at XXXX ET through their virtual XXXX virtual assistant. I called them and they said it covered a transaction previously and I owed it to XXXX and if I did not owe it to XXXX then they would put it back into my account but they have up to 65 days to process it. When I went back to my transactions there was nothing there for that amount they claim I previously made for {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems , LLC for reporting and attempting to collect an alleged XXXX XXXX debt that I formally disputed. On XX/XX/XXXX, I sent a certified debt validation request and notice of dispute to the company. The certified mail receipt confirms delivery and signature. In my letter, I requested the original signed contract, full itemized accounting, proof of assignment/chain of title from XXXX, and proof that the company is licensed to collect debt in the State of Florida. Jefferson Capital Systems , LLC failed to respond and failed to provide any validation. Despite receiving my dispute, the company continues to report this account to the credit bureaus. The account is being reported with an incorrect open date of XX/XX/XXXX, which is impossible and materially misleading. This inaccurate reporting appears to be an attempt to re-age the debt and violates the Fair Credit Reporting Act ( FCRA 623 ). Additionally, based on my research through regulatory databases, Jefferson Capital Systems , LLC does not appear to hold a valid Florida collection agency license. Collecting or attempting to collect consumer debt in Florida without proper licensure violates Florida Statute 559.553. The company has ignored my certified dispute, failed to validate the debt, and continues to report inaccurate information. I am requesting immediate deletion of this account from all credit reporting agencies and confirmation that collection activity has ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC
State: PA

Complaint narrative:
CrossCountry Mortgage Powered by RXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Florida XXXX Dear Sir/Madam : I am in receipt of your letter dated XX/XX/XXXX. For each of the three exposure notices sent to me near expiration and renewal of previous policy, XX/XX/XXXX, and XX/XX/XXXX, dates I sent your company appropriate proof of coverage. Indeed, I expressed my frustration to your company on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX occasions regarding having to send proof of coverage as requested two, then three then four times. Enclosed for at least the fifth time is the requested proof of coverage. Your statement in your XX/XX/XXXX, correspondence is a lie. Your company has also lied to the Consumer Protection Bureau. The Consumer Protection Bureau will be copied with this correspondence. I have no agreement or contract with your firm. My mortgage agreement is with the company identified below : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Indiana XXXX At no point did I have knowledge or give permission for my mortgage to be sold or transferred to CrossCountry Mortgage. At no time did I reach any agreement or contract or consent to any agreement or contract with CrossCountry Mortgage. I have no business relationship with your firm. My signed agreement is with XXXX XXXX and XXXX XXXX only. Therefore, I do not owe CrossCountry Mortgage anything. Indeed, I have overpaid CrossCountry Mortgage, and CrossCountry owes me monies already paid. Also, I do not do business with liars. Effective immediately my business relationship with CrossCountry Mortgage is terminated. There will be no future payments sent to CrossCountry Mortgage and any agreement or contract CrossCountry Mortgage believes has with me is invalid, illegal and null and void. Also, effective immediately is the payment by CrossCountry Mortgage for the amount paid by me including the hazard insurance disbursement amount and the cost of this certified letter as reflected by the enclosed invoice. Payment must be received no later than the close of business of XX/XX/XXXX, to avoid further legal action. Also, any future attempts to secure payments by me for this null and void business relationship will result in legal action. Finally, your correspondence urges me to contact my insurance agent to provide evidence of sufficient insurance coverage. I will take no such action. Since it is your company that has assumed, albeit illegally, the processing of this mortgage, it is your firms responsibility to contact my homeowners insurance company for any requested homeowners insurance information. The name, contact information and address of my homeowners insurance company are as below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Policy Number XXXX XXXX

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

Complaint narrative:
b"Affirm is saying I opened accounts with them as of XXXX of XXXX. I have reported Identity theft on that multiple times with the credit bureau agencies. And they have removed some of the false addresses and accounts from my file's. I am fighting with them still to remove an address that is associated with Affirm that is still on my credit report that has never has belong to me. It is the same address that was used to open accounts with Upgrade fraudulently in the same time frame. All it was removed from my file's and now Affirm has recently reported again. The Affirm amounts are $XXXX, $XXXX $XXXX the $XXXX was bought by a company called XXXX XXXX. And they are trying to collect. I made a police report in XXXX with XXXX Sheriff's office on the Identity fraud. Report#XXXX XXXX#XXXX XXXX XXXX #XXXX XXXX\nThe address that am referring to as fraud is XXXX XXXX XXXX . In my report my daughter XXXX XXXX XXXX XXXX took my personal information and used it with Affirm and others and opened credit lines to purchase things online delivered to that address that was hers which is a government funded property for low income housing. I own a manufacture home in a trailer court since XXXX. And pay lot rent and mortgage to this day."

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

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

Company response to consumer: Closed with explanation