vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
If you want to avoid getting dragged into a civil lawsuit where you may 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, HELVEY AND ASSOCIATES 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 5 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 15 USC 1692g. 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 5 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 public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
My XXXX checking account has unauthorized atm withdrawals from XXXX through XX/XX/year> I was on vacation and my temporary credit is only {$3300.00} also it isn't permanent is being denied without any forms for me to fill out along with police report so it's a permanent credit please as a one time courtesy please add up all of the months instead of the last three it adds up to {$8000.00}. Ask us bank for exact amount please and as a one time courtesy to please honor my claim for the full amount of atm withdrawals I reordered my card and I also did not give anyone permission to use it either I am going also state please ask the manager why I wasn't given any mail to fill out and sign just denied by disgruntled employee whom said pictures twice but didn't explain why it was denied it clearly isn't myself at the ATM I want a reconsideration please expedite this request before I get my account overdrawn due to their neglegance I feel the representative discriminated me because of my XXXX please help approve entire amount I am going to change banks this isn't safe if they won't honor my claim I'm a loyal account holder for over five years and I am a home owner I have probate so please also help me open up a savings account in the future after I sell my inheritance.

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 2026-03-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I XXXX XXXX and filing a complaint that I would like to actually be reviewed and investigated by the CFPB. I receive a deposit at least XXXX times per month and each time it is a hassle to get my funds released from the bank. I have XXXX loan accounts with the bank that I always set a payment arrangement for ahead of time, which can be seen by the history. However, the bank is withholding my money due to the XXXX loan acct. Account # XXXX are XXXX and the other is XXXX. As can be seen by the attached document the loans are sched to be paid in XXXX. This is something I have been doing for over a yr now and now the bank XXXX and XXXX are denying me my funds until XXXX when the loan dept opens. After a XXXX call. Previous to today I had to XXXX last XXXX and spent a long time on phone. Dealing with the bank has become a real hassle. When your funds are being held XXXX it is a big issue. Last wk funds were held on a debit card transaction so the bank could pay loan accts. Although I had already paid the bal due. At that time I also set the payment arrangement that is currently in place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IL

Complaint narrative:
Chime closed my checking account out of no where with {$15000.00} in it and they are saying I am not eligible for a refund and not trying to return my money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
Issue : Wells Fargo closed access to my closed accounts despite multiple documented requests to keep them open for tax purposes. Statement : Wells Fargo has closed online access to my closed accounts even though I explicitly requested that access remain open for taxrelated reasons. I am an XXXX XXXX XXXX XXXX XXXX XXXX XXXX and rely on prioryear transaction histories, deposits, and expense records to complete my taxes and to substantiate income and expenses in the event of an audit. On XX/XX/year>, I submitted written requests to Wells Fargos Executive Office and to the Wells Fargo branch on XXXX XXXX in XXXX, Wyoming, informing them that I needed continued access to my closed accounts for tax preparation. I also explained that I am paid weekly by the XXXXXXXX XXXX XXXX and that my XXXX income and business expenses were processed through these accounts. Despite these clear and timely requests, Wells Fargo closed my online access. This prevents me from retrieving essential tax documentation, including transaction histories, deposit records, and expense proof. As an XXXX XXXXXXXX, these records are required not only for annual filing but also for future audits, which can occur years later. I requested that access remain available indefinitely for this reason. Wells Fargos actions have created unnecessary barriers to my tax compliance and ignored my documented requests. I am asking the CFPB to require Wells Fargo to restore and maintain online access to my closed accounts so I can retrieve the tax documentation I am legally required to keep.

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 2026-03-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have tried to sign in online. No assistance to sign in online. I tried to make a deposit on the Chase App. I made a call and it took about XXXX minutes to get a code. The Website and App are not accepting me and not letting me use a code to sign in. So I did call back to see if something could be improved. With another call taking about XXXX minutes to speak to someone, that person then kept mentioning doing Loans in XXXX. That would be inaccurate and I am not in XXXX and have not been in XXXX. I don't know why they want me with XXXX in XXXX. Very inaccurate situations. No accurate support and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: Experian Information Solutions Inc.
State: IN

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 explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CarMax, Inc.
State: VA

Complaint narrative:
Type of Complaint : Auto Loan / Financing Company : CarMax Auto Finance Issue : Late Fee / Online Payment Confusion Description of Complaint : I was charged a late fee many time after only couple days past the due date on my CarMax Auto Finance account. My payment has now been made in full. The Online Account Services Agreement mentions a grace period but does not specify its length : If you fail to make a payment within the applicable grace period, at the close of the final day of the grace period, we will assess a late charge to your account. This vague disclosure makes it unclear that a fee could be charged after only one day. Additionally, the online system required me to acknowledge my payment as late before it could be processed, which was confusing. I request : 1. Removal of the late fee as a courtesy. 2. Written confirmation that my account is in good standing. Attachments : Payment confirmation screenshot, Online Account Services Agreement pages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: Dave Operating, LLC
State: CA

Complaint narrative:
CFPB, I am submitting this complaint regarding XXXX and the way my account has been handled following several late payments. While I acknowledge that I have had late payments, the actions taken by XXXX feel excessive, punitive, and lacking transparency. My ability to obtain an advance has been significantly restricted, and it has become much harder for me to qualify. I have not been provided with a clear explanation of the criteria being used, how eligibility is determined, or what specific steps I must take to restore my previous standing. Additionally, I am deeply concerned that I may be experiencing discriminatory treatment. The way my account has been restricted feels targeted and unfair. I am requesting a formal review to ensure that XXXX policies are being applied consistently and without regard to race. Consumers are entitled to equal treatment under the law, and any form of disparate treatment raises serious concerns. Financial service providers must operate with transparency, fairness, and compliance with consumer protection and anti-discrimination laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MORGAN STANLEY & CO. LLC
State: TN

Complaint narrative:
Transaction date XX/XX/year> Amount $ XXXX Type Purchase XXXX XXXX XXXX and associated foreign transaction fee. I only use my debit card for recurring $ XXXX monthly payments to XXXX for home internet. No ATM or other purchases including no foreign transactions. As Etrade does not monitor debit card for fraud, I check at least daily. XXXX XXXX noted above transaction and at XXXX am called etrade and reported it. call XXXXXXXX XXXX XXXX XXXX XXXX Etrade cancelled my card and eventually sent replacement. Also called etrade XX/XX/year> am XXXX XXXX sec and XX/XX/year> am XXXX XXXX XXXX XXXX XXXX Last call included over XXXX minutes on hold requesting escalation / manager. None were available. Etrade customer service said provisional credit would only be issued after fraud investigation complete in 90 days. I have been an etrade customer for decades, have very close to {$1.00} XXXX in accounts with them and a very high XXXX score. Absolutely no reason for excess of 10 business days to give credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
To Whom It May Concern : I am writing in response to your communication dated [ date on their notice/letter ] regarding the above-referenced account. I dispute this debt and request validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following : 1 The name and address of the original creditor, and the original account number ( if different ). 2 The amount claimed, including an itemization showing principal, interest, fees, payments/credits, and how you calculated the current balance. 3 A copy of the original contract or agreement ( or other documents ) bearing my signature or otherwise showing I agreed to the debt. 4 Documentation that you are legally entitled to collect, including proof of assignment/ownership of the debt ( chain of title ), or authorization to collect on behalf of the current creditor. 5 The date of default and the date of last payment. 6 The name and address of the current creditor ( if different from the original ). 7 A copy of any judgment, if applicable. Pending your response, please cease collection efforts and do not report ( or, if already reported, mark as disputed ) any information to credit reporting agencies until you have provided the requested validation. All future communications with me should be in writing and sent to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I opened an Apple Card account with Goldman Sachs Bank. My very first purchase on the card was declined. Following this declined transaction, I experienced a XXXX drop in my credit score, which Goldman Sachs attributed to a XXXX XXXX increase in credit utilization. This utilization claim is inaccurate given that my first purchase was declined. I appealed this inaccurate credit reporting to Experian credit bureau, but my dispute was denied. I then contacted Apple Card customer service and asked them to investigate the issue. Goldman Sachs issued me a credit on my account, but this occurred over 45 days after the initial incident. When I called Goldman Sachs to follow up, I was told that the only way they could help me was if I canceled my investigation with the credit bureau. The representative kept me on the phone for XXXX minutes, repeatedly asking me to cancel my investigation. I have been transferred back and forth between Goldman Sachs and XXXX with no resolution. When I contact Goldman Sachs, they tell me to contact XXXX directly. When I contact XXXX, they tell me to contact Goldman Sachs. Neither company will take responsibility for resolving this issue. I am owed XXXX separate refunds that have not been properly credited to my account, plus my trade-in credit for my XXXX XXXX XXXX XXXX. I need Goldman Sachs to provide me with complete documentation showing all credits applied to my account, all refunds owed, the trade-in credit status, what I currently owe, and detailed information about what was reported to the credit bureaus and when. I also need the inaccurate credit reporting corrected and my credit score restored. I am requesting a full investigation into this matter without being required to cancel my legitimate dispute with the credit bureau, and I want all owed credits and refunds properly applied to my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Meta Payments Inc.

Complaint narrative:
Meta XXXX XXXX XXXX charged {$76.00} to my card ending in XXXX due to a billing error in Case # XXXX. On XX/XX/XXXX and XXXX, XXXX, Meta agents ( XXXX and XXXX ) explicitly confirmed that a refund was processed. However, the funds never arrived. When I followed up, the agents mocked my situation and abruptly closed the support chat. They then directed me to send physical mail to their XXXX department in XXXX XXXX, CA, to resolve a simple digital refund. As an international customer in XXXX, this is a deliberate and deceptive attempt to obstruct my access to a confirmed refund

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting on my federal student loan serviced by Aidvantage on behalf of the XXXX Department of Education ( Account # XXXX ). The account reflects the following : Date Opened : XX/XX/XXXX Status : XXXX days past due Balance : {$7200.00} Past Due Amount : {$1500.00} Monthly Payment : {$110.00} Last Payment Date : XX/XX/XXXX Positive payment history reported from XX/XX/XXXX through XX/XX/XXXX Late payments reported from XX/XX/XXXX through XX/XX/XXXX There are material discrepancies in this reporting. The account shows consistent positive payment history through XX/XX/XXXX, yet suddenly reports multiple late payments thereafter. Additionally, the reported past-due amount does not reconcile clearly with the stated monthly payment. Pursuant to XXXX XXXX. XXXX, XXXX ( b ), and XXXX ( b ), furnishers and consumer reporting agencies are required to ensure maximum possible accuracy and conduct a reasonable investigation upon dispute. I am requesting documentary evidence establishing that I was contractually delinquent for each reported late month ( XX/XX/XXXX through XX/XX/XXXX ), including : Copies of billing statements for each alleged delinquent month Proof the statements were sent to my verified address on file Complete payment history Documentation confirming no deferment, forbearance, income-driven repayment recalculation, or administrative hold was active during those months The Date of First Delinquency associated with the current past-due status If this information can not be documented and verified, the late payments must be deleted in accordance with XXXX U.S.C. XXXX ( a ). The inconsistencies in the reporting raise concerns regarding compliance with federal servicing standards and the XXXX XXXX XXXX Acts requirement of maximum possible accuracy. I request a formal investigation and correction of inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: MIDFIRST BANK
State: NJ

Complaint narrative:
Subject : Unauthorized Disclosure of Foreclosure Documents to Third-Party Residential Address by Mortgage Servicer Agent Parties : Mortgage Servicer : MidFirst Bank Agent/Vendor XXXX XXXX ( foreclosure document processing ) Statement of Facts : I am the sole owner of a residential property in New Jersey that was subject to a foreclosure action. I have since resolved the matter and entered into a standalone loan modification with MidFirst Bank, my mortgage servicer. During the foreclosure process, MidFirst Bank 's agent, XXXX, sent foreclosure documents to my current address which was appropriate. However, XXXX also sent the same documents, on XXXX separate occasions, to a residential address in XXXX, Pennsylvania where I have not lived for approximately 25 years. That address is the home of my elderly mother, who has no ownership interest, financial interest, or legal connection to the New Jersey property in question. The specific incidents are as follows : First mailing ( on or around XX/XX/year> ) : XXXX sent XXXX sets of foreclosure documents to my mother 's XXXX address simultaneously with the mailing to my address. The documents addressed to my mother 's household included the language : " [ XXXX XXXX ], his/her heirs, devisees, and personal representatives, and his, her, their or any o '' ( appearing to be cut off ). The cover letter prominently stated that I was a " defendant '' in a legal action. Second mailing ( on or around XX/XX/year> ) : Just XXXX days later, XXXX sent another XXXX sets of the same documents again to my mother 's XXXX address. This second mailing confirms this was not an isolated clerical error. My mother, upon receiving these documents, contacted me in distress, believing she was personally being sued. She is not a party to the mortgage, has no legal interest in the New Jersey property, and should never have received these documents. The disclosure of my private financial and legal status including that I was named as a defendant in a foreclosure action caused significant family distress and embarrassment, and violated my privacy. Applicable Law : The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( b ), prohibits debt collectors from communicating with third parties in connection with the collection of a debt without the consumer 's prior consent. Sending foreclosure documents revealing my status as a defendant to my mother 's residence not once but twice constitutes an unauthorized third-party disclosure. I never consented to disclosure of my foreclosure status or legal proceedings to any third party, including my family members.

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 2026-03-02 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: TX

Complaint narrative:
Validation of Debt Request- JEFFERSON CAPITAL SYST - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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