vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am unable to access my Chime account because the system requires me to verify my identity with a XXXX issued ID, which I do not possess. When I opened my account, I never presented a XXXX ID. I only have my foreign passport and my XXXX visa, along with my Social Security Number ( SSN ). On XX/XX/XXXX of 2026, I called Chime customer service and spoke with a representative named XXXX for XXXX hour and XXXX minutes ( Reference number : XXXX ). During this call, no solution was offered. I was informed that they could not process my request because I could not verify my identity with a valid XXXX ID, which I can not obtain. This situation leaves me completely unable to access my account or perform any transactions, despite being a legitimate account holder. In my experience with other banks in the XXXX, a foreign passport is accepted for verification, yet Chime does not provide any alternative method to access my funds. I request that this issue be addressed, as I am being unfairly denied access to my account and funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing a complaint against Bank of America regarding a credit card account that was opened and used without my knowledge or authorization. I am a United States citizen and have been living at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for more than two years. In XXXX, my bank account was hacked and unauthorized activity occurred. I immediately contacted Bank of America and requested that my account be frozen to prevent further unauthorized transactions. During that incident approximately {$870.00} was transferred without my authorization. The bank investigated that transaction and returned the funds to me. Due to this security breach and fraudulent activity, I later closed my Bank of America checking account and credit card account in XXXX to protect myself. Recently I received a letter from Bank of America stating that my claim for {$8400.00} related to a credit card account ending in XXXX was denied. I did not open this credit card and I did not authorize these transactions. I believe the credit card account and charges were the result of identity theft or unauthorized access to my personal information. Bank of America denied my claim without providing the credit card application, identity verification, or authorization records used to open the account. I respectfully request that Bank of America reopen the investigation and provide all documentation related to the credit card account and transactions.

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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I tried to recall the wired transfer scam of {$10000.00} that I've make on XX/XX/year> from sending bank ( XXXX ) and receiving bank ( Bank of America ). Both banks i.e. XXXX XXXX told me to work with Bank of America to recover my wired funds, but Bank of America says I should have XXXX initiate a claim with them and work directly with XXXX for resolution. Now, both banks are pointing fingers at each other, and I'm left without a resolution. I've filed all the reports with the authorities including Federal Trade Commission, police / FBI IC3, SEC, CFTC and CFPB

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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sunbit, Inc.
State: TX

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

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
Consumer complaint received 2026-03-05 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
Consumer complaint received 2026-03-05 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
I made purchases using Affirm but decided to return a few of them in person on XX/XX/XXXX. After not hearing back from Affirm about any returns, I contacted the merchant on XX/XX/XXXX and they were able to provide me with proof of them successfully processing my returns and the XXXX, which means the problem was with Affirm. I went ahead and filed the disputes for each order on the same day, XX/XX/XXXX. There were 4 total purchases, A Refund of {$64.00}, a Refund of {$35.00} for, a Refund of {$76.00}, and finally one Refund of {$120.00}. Affirm denied them and I lost my money now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: ASSOCIATED BANC-CORP
State: MN

Complaint narrative:
I was e-depositing from XXXX XXXX to Associated Bank mortgage XXXX at month end each month. I got a message from Associated that my tax increased, need to pay XXXX, new amount. I wanted to edit the XXXX edeposit amount but associated said i should set it up so they access my chase. I did that. And i attempted to cancel the XXXX autoPay. This was XX/XX/2025. On XX/XX/XXXX i noted my XXXX balance was very low. Apparently 4 months of double mortgage payments were made. It was hard to see in statements because they appear differently and at opposite ends of the month. I called associated and they seemed to be playing XXXX about the 4 month overpayment. They should have contacted me. They sure contacted me when i was low by XXXX $ but not when i am over by XXXX XXXX They sounded like they will delay to return my money. I need a new bank but refinance in not advantageous currently. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: U.S. BANCORP
State: VA

Complaint narrative:
This is a prepaid usbank rewards card. I tried to use the card at a gas station but the station was closed and the pump was turned off, and it declined the transaction. On the next day, I've found out the card was missing {$30.00} so I've reached out to the company and was told that the transaction is only pending and will receive the funds in 3 days. 3 days past and the funds weren't returned to me, so I called again and was told it takes 4 days and to check after the 4th day, again checked after the 4th day and again no refund. I call the company again and a different agent is telling me now that it takes 15 Days to refund me my money, when I asked for an explanation he hung up the phone.

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 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Date : XX/XX/year>XXXX Creditor : Capital One To Whom It May Concern, I am requesting validation of the alleged debt referenced below. Creditor : Capital One Account Number : XXXX Under the Fair Debt Collection Practices Act ( FDCPA 809 ), I request that you provide the following : Proof this debt belongs to me A copy of the original signed agreement Full payment history of the account Documentation showing your legal authority to collect this debt Until proper validation is provided, you must cease reporting this account to the credit bureaus. If you are unable to validate this debt, I request that the account be deleted from all credit reporting agencies immediately. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Branch Messenger, Inc.
State: NY

Complaint narrative:
Dear CFPB Representatives, Thank you for your assistance regarding the return of funds that I did not receive during an ATM withdrawal. On XX/XX/year>, at XXXXXXXX XXXX, I went to the XXXX store located at XXXX XXXX XXXX, XXXX XXXX NY XXXX, and used the ATM to withdraw {$300.00}. Unfortunately, the ATM did not dispense the cash, although the amount was deducted from my account. After the incident, I contacted the operators responsible for managing this ATM, and they advised me to reach out to the card operator, Uber, and request that a claim and dispute be opened. I contacted Uber and submitted a claim to resolve the issue. However, I later received a denial stating that Uber is not responsible for ATM-related matters. We also called again using the phone number listed on the receipt and spoke with the operator and the managing company, XXXX. XXXX reviewed the case, located the transaction, and informed us that Uber must open a claim before they can begin their investigation ( they can not proceed without a claim from the card issuer ). We then submitted another claim through Uber, but it was denied again. We kindly request your assistance in resolving this situation and addressing this issue. regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
Spousal Consolidation Loan Separation I am filing a complaint regarding the handling of my federal student loan account by MOHELA. Mohela Acct # : XXXXXXXX XXXX XXXX XXXX XXXX Legal Other Names associated with my loans : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX spouse and I originally had separate federal student loans of approximately {$25000.00} each. While married, we were encouraged to enter into a spousal consolidation loan. After our divorce and documented domestic abuse that resulted in a restraining order, I applied in XXXX to separate the joint consolidation loan. Instead of separating the loan between the two borrowers, the loan now appears to have been consolidated again and placed entirely in my name. My balance is now approximately {$130000.00}, which reflects decades of interest accumulation. I am requesting an investigation into : Whether the loan separation request was properly processed Why the entire loan balance was assigned solely to me Whether the loan allocation complies with federal law governing joint consolidation loan separation Please note the relevant information below : I am requesting that MOHELA correct the account if it has been processed incorrectly. Thank you for your assistance. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-03-05 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: WV

Complaint narrative:
On the morning of Wednesday XX/XX/year>XXXX I went to make a purchase and my card was declined. I checked my banking app to see what the problem was and it gave me an error message saying my account had been closed and to call customer service. I immediately drove home and called the customer service number. As soon as I called that number, I put in my information and it hung up. Another number texted and called me immediately claiming to be Chime. I believed it was Chime and proceeded to stay on the phone with them for 52 minutes verifying all of my personal information and getting my account back open. They told me my account had been closed due to fraudulent activity and helped me to safeguard it once again. They were very thorough and said I would have new login credentials at XXXX that evening. At XXXX that evening, I received a call from a number I did not know so I didnt answer it. That same number then texted me saying sorry your case specialist couldnt reach you, please press 1 to schedule a call back. So I pressed 1 and that same number called me back. The man on the phone once again confirmed a couple details, then said my credentials would be emailed to me at XXXX that evening. I went to bed figuring I would wake up to credentials but still nothing came. I then called Chime, and they informed me that where it said the funds in my account were transferred to current meant my current checking account and helped me to change my email address and get logged back in. For a week now I have called every other day being told several different things including that my funds would be available on XX/XX/XXXX. So I waited all day on the XXXX and still nothing. On XX/XX/XXXX they filed a dispute, and yesterday, XX/XX/XXXX, they denied the claim. I asked them again where my funds were, they said they will never call me and said the numbers I talked to them on were not their numbers and that I had been scammed, and reopened the claim. I sent them the screenshots with all the information of who I talked to and the text messages of what the scammer posing as their support specialists had sent me. They again denied the claim today, XX/XX/year>. I am not sure what else I can do. I was completely unaware that I was talking to a scammer, I told them that and sent them the proof of the numbers that do not belong to them calling & texting me. They are refusing to give me my funds of {$1500.00} back and they know I did not authorize that transfer to an external account as I have sent them the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Central Research Inc
State: NV

Complaint narrative:
I saw on my credit report that my score dropped significantly as I was trying to get a new car and mortgage and then my student loan which was in deferment was marked XXXX days late from a company I had no knowledge about. When I contacted XXXX financial they said they transferred it over to different company in XX/XX/year> and sent me a email stating so. When I told them never received anything or knowledge of it was told they couldnt do anything about it as they no longer have the account. When I contacted the new company they said they they couldnt help because it was already reported so wasnt there problem. I have never been late on any payments and explained that to them as I was still trying to figure out my account with them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Global Lending Services LLC
State: NY

Complaint narrative:
During the voluntary surrender of my vehicle, Global Lending Services ( GLS ) and their authorized agents ( Loss Prevention Services/ XXXX XXXX ) engaged in extortion, fabricated back-dated inventory reports, and stole {$3400.00} in cash and {$500.00} in electronics from my vehicle. Because GLS has failed to oversee its vendors and refused to return these stolen funds, I was unable to secure replacement transportation and have subsequently lost my employment. I am holding GLS responsible for the stolen property and the consequential damages of my lost wages due to their gross negligence and predatory practices. Timeline of Events : XX/XX/year>XXXX : I voluntarily surrendered my vehicle at XXXX XXXX The yard employee used my essential property as leverage, refusing to release my wallet unless I first surrendered the keys. He demanded an illegal {$50.00} " Cash Only '' fee for the rest of my property and refused access to my law enforcement duty gear, {$3400.00} cash, and XXXX XXXX XXXX He admitted no inventory was performed. XX/XX/year>XXXX : I returned to retrieve my property. The yard again demanded {$50.00} cash despite a valid Property Release Form. Police were called ( XXXX XXXX XXXX XXXX # XXXX ). A Police XXXX confirmed the yard had no legal authority to charge fees for personal property and discovered XXXX XXXX had unauthorizedly subcontracted the recovery to an unlicensed third party, " XXXX XXXX, '' creating a total breach in the chain of custody. XX/XX/year>XXXX : I returned for a scheduled pickup. The yard presented a fabricated inventory report back-dated to XX/XX/XXXX to cover the theft. I recovered my federal IDs, but the {$3400.00} cash, solar chargers, and headphones were stolen. I signed the release under legal duress for a " PARTIAL RECOVERY ONLY '' and explicitly noted the stolen items on the receipt. GLS is liable for the systemic pattern of misconduct, " Ghost Towing, '' and theft committed by their agents. I have attached the signed receipts, bank withdrawal proof, and a schedule of loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MS

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 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