vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: InDebted Corporation
State: NY

Complaint narrative:
On XX/XX/year> I received the attached letter in the USPS mail dated XX/XX/year> from a collection agency called InDebted saying that they are contacting me to collect a dept for {$540.00} for a creditor called XXXX. 

I called both inDebted and XXXX  the day I got the letter and told them that I have no relationship whatsoever with XXXX  and have never purchased any goods or services from them. I asked InDebted and XXXX to adjust their records accordingly.

I was told by InDebted that I would get a follow up email from them which have not yet got.

Since I did not have InDebted 's response I emailed and mailed them the attached letter dated XX/XX/year> disputing the debt. 

I currently have an email from XXXX dated XX/XX/year>, which I have not yet responded to, asking if I have reported the fraudulent account to authorities. I'm waiting to submit this complaint to you before I reply to XXXX  Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/year>, Chime emailed me stating that my remaining XXXX  referral rewards had been issued and deposited into my Chime account. The email said the issue was resolved and that no action was needed from my end.

I never received these funds. I reviewed my account history and no such deposits were made.

I contacted Chime support multiple times by phone and was transferred to the referral department. Representatives were unable to verify the status of my referrals or confirm whether payment was issued, citing privacy concerns. They were also unable to reconcile why Chime sent an email stating that payment had already been deposited when it had not. It seems unlikely to me that Chime has a referral system where no one in the company is actually able to keep track of the status of referees.

I spent hours on the phone attempting to resolve this and was given conflicting information. I was told that referrals had been confirmed previously, but no payment was issued, and no department appears able to audit or correct the referral payout system. I have also spent hours in the live chat feature in the Chime app. Some agents told me to have the referees call in to confirm they completed the requirements of the bonus. This didn't make sense to me because my referees have already received their part of the bonus so it registered on their end with Chime. Anyway, I had some of them call in and nothing happened on my end. Still waiting for my unpaid referrals.

I also have proof that I have 19 referees that have completed all requirements that I did not get paid for. I have not uploaded the screenshot of that because I was not sure if I should include their names here or not.

I have even found other Chime users online who got the same email as me and actually did get their unpaid bonuses from XXXX. It seems my account may be glitched or Chime just does not want to pay out.

I am attaching the email from Chime stating that the funds were deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am submitting this complaint regarding late payments reported by Synchrony Bank on a charge account that has been closed.

Under 15 U.S.C. 1681 ( a ) ( 2 ), consumer reports must be fair and maximally accurate. Synchrony continues to report late payments on a closed account despite the increased likelihood that such information is no longer fully verifiable.

Under 15 U.S.C. 1681 ( e ) ( b ), Synchrony is required to maintain reasonable procedures to assure maximum accuracy. The bank has not demonstrated that it possesses contemporaneous billing statements, verified posting records, or proof of consumer notice sufficient to support the late payments being reported.

The alleged delinquencies have not been validated consistent with 15 U.S.C. 1692g, and the continued publication of unverified derogatory information constitutes improper credit-based communication under 15 U.S.C. 1692c.

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 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc.
State: CA

Complaint narrative:
I was trying to make a payment, using my Skrill card, like I often do.

SKRILL decided to decline the transaction even though I had the funds in my account, Then SKRILL HELD MY FUNDS EVEN THOUGH THE TRANSACTION DIDNT GO THROUGH. I contacted them days ago, and they told me I can cancel the transaction and they would release the money back into my account as long as I provided proof that the transaction didnt go through. I provided everything they asked of me and they still havent released my money. I have been contacting them daily ONLY TO BE IGNORED ENTIRELY after the first interaction in which they told me I would get my funds released after providing information. The amount was for {$100.00}. I need this fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A check was deposited to my account a week ago. 

The deposit slip said the funds would be available by Wednesday. I was told it was because the check needed to be verified. I log in to my account and the hold was extended to Saturday ( tomorrow ). 

I called and asked why the hold was extended they stated it was due to the other banks policy. After talking they said to have them called there bank. 

My friend called there bank they promptly released the funds and said this is not on there end. 

I go to XXXX different brach offices and explain they have released the funds i am then told that basically they cant release the hold until whats stated on my account ( saturday ). They told me to try calling customer service perhaps they can help. I call and they state saturday is the earliest i then ask please make sure its available Saturday all three assured me they would be. 

I have no choice but to wait i then see the hold is extended even longer. I have to call again and basically given the run around. 

This is ridiculous i keep getting circled around and lied to over and over again. I am late for so many bills this is terrible I cant sleep over this stress.

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 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: FL

Complaint narrative:
I sent a written cease-communication request on XX/XX/XXXX to Jefferson Capital . Despite this, I received emails on XX/XX/XXXX and again on XX/XX/XXXX. This is the third contact and constitutes repeated communication after a cease request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
This company has been calling my cell phone and work number for at least XXXX  months. I'm assuming its a scam, so have ignored most of the calls, but on XX/XX/year> and again on XX/XX/year> I accepted the calls and requested they provide an email address where I could send proof the debt was settled in full. Each time they hung up on me and did not provide an email address. So, I've since ignored the calls. But they continually call me at my office, so I again answered the call today and requested an email address, explaining the debt had been settled in full more than a decade ago. The representative, XXXX, refused to provide this and stated it would be addressed in court next Thursday. I of course do not believe this as I have not received a subpoena ; but I am tired of these people calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: LA

Complaint narrative:
I am filing this complaint regarding an inaccurate and unverified collection account appearing on my credit report. 

On XX/XX/year>, I submitted court documentation to the collection agency disputing the validity of this debt. The collection agency acknowledged receipt of this documentation. 

After acknowledging receipt, the collection agency later stated the account remained under investigation due to allegedly not receiving a response from the apartment complex. The agency then contradicted itself by claiming that my documentation was never received, despite prior acknowledgment. 

Because the debt has not been verified, the collection agency has failed to meet its obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

When I disputed this account with the credit bureau, instead of enforcing verification or deletion, the bureau merely added a consumer statement and closed the dispute without proper reinvestigation.

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 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
Between XX/XX/year>, I sent approximately {$13000.00} via wire transfer and PayPal to an individual for the purchase of collectible items. The seller confirmed receipt of funds and provided shipping labels and tracking numbers. When the packages arrived, they were completely empty. 

I have extensive written communications and a call transcript in which the seller admits he knowingly shipped empty boxes and retained the funds. Despite repeated requests, he has refused to provide verifiable proof of the goods or issue a refund and continues to delay resolution. 

I am requesting this be treated as fraud involving intentional non-delivery of goods and misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: WI

Complaint narrative:
I have formally disputed a {$500.00} ATM withdrawal that was debited from my account but never dispensed by the ATM. 
On XX/XX/year>, I attempted to withdraw {$500.00} from an ATM located at XXXX. The transaction was processed, and my account was charged ; however, the cash was never released from the machine. I immediately reported the issue to the store manager, who informed me that the matter must be handled by my financial institution, as the store is not responsible for ATM malfunctions. I have provided all required documentation to support my claim, including : The ATM receipt from the failed transaction A written letter from XXXX confirming the incident. Despite this, the issue remains unresolved, and I am still missing {$500.00} from my account. This is a serious matter, and I expect Chime to conduct a thorough investigation and return my funds promptly. Please advise on the next steps and the expected timeline for resolution. 
Thank you for your attention to this issue. I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XX/XX/year> FCO XXXX XXXX XXXX, XXXX MD XXXX Re : Account Number : # XXXX To Whom It XXXX Concern, This letter is sent in response to your reporting and/or communication regarding the above-referenced account. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I dispute this debt and formally request full validation.

Please provide the following : 1. The name and address of the original creditor 2. Proof that I am legally obligated for this debt 3. A copy of the original contract or agreement bearing my signature 4. An itemized accounting of the amount claimed 5. Documentation showing your legal authority to collect or report this debt Until proper validation is provided, you must cease all collection activity and reporting of this account to consumer reporting agencies.

Failure to comply will be documented and may result in complaints filed with the Consumer Financial Protection Bureau and other regulatory agencies. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TX

Complaint narrative:
I opened my cashapp account one day and it said I was suspended. I appealed once or twice and asked for more info and they refused to provide any details that led to their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
We traveled XXXX XXXX in XX/XX/2025 and became ill from the mold in the room. I was not able to be transferred to another room due to the hotel being full and no rooms available. After my stay I filed a complaint and received an email a few days later, stating I would be refunded. The refund never came. In XX/XX/2025, I filed the dispute with the bank. I contacted Bank of America to file a dispute for my refund that was promised to me by XXXX XXXX hotel in XXXX XXXX. Bank of America denied my dispute and took the temporary credit of {$1000.00} from my account today saying the merchant said it was a valid charge. The was NOT the issue or nature of the dispute! They didnt even present the refund issue to the merchant, which XXXX XXXXhe representative who re-opened my claim confirmed. I dont know why they didnt accurately disclose the true reason for my claim when they contacted the merchant for retrieval of my funds. I want the money back that I paid for this hotel refunded as promised. We didnt expect to be put in a room with a health hazard, didnt ask for a moldy hotel room and only saw the photos online. We had no way to know the true condition of the hotel and rooms until we arrived there. Please help!

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 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
So the only thing they can show me is a statement with nothing attached for a balance of XXXX on XX/XX/XXXX XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX And XX/XX/XXXX for {$1000.00} which says past due balance is XXXX over limit XXXX and new balance XXXX I have been transferred to over XXXX people on the phone today with no resolution nobody can pull up the statements where it shows a break down or transactions according to them also XXXX looking at some payment information on their page talking about it will take XXXX which will equal to XXXX which pay off the balance and XXXX years XXXX not understanding this its not my debt and I dont think I should be charged for something I did not do if they are claiming to not have records of this I dont think I should be charged this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This account is reporting inaccurate information on my consumer report. I have disputed this account with the company and they have failed to do a proper investigation. This account is being reported on my consumer report without my consent and causing me financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/year>, I disputed a {$210.00} XXXX XXXX transfer from my PNC checking account for services that were never provided. The payment was sent for a hair service and wig that were promised but not delivered. I reported the transaction as a scam and provided supporting information, including that the recipient requested payment be sent to a different individuals XXXX XXXX account. 

PNC denied my dispute, stating the transaction was authorized because I agreed to send it. I requested documentation relied upon in making this determination and clarification due to conflicting information from multiple PNC representatives. I was told by XXXX supervisor that the investigation was ongoing and I would receive follow-up by mail, but later received a call stating the claim was denied without receiving any documentation. 

PNC has provided inconsistent explanations, failed to supply requested investigation records, and continues to deflect responsibility to XXXX XXXX despite the dispute involving my PNC account and funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
On XX/XX/year> received a phone call around XXXX at my employer, accepted phone call. Caller identified themselves as XXXX from XXXX XXXX firm and informed me that call was being recorded and was then given number ( XXXX ) and informed lines would be open until XXXX if I wanted to call back regarding " undisclosed '' manner. 

XX/XX/year> XXXX XXXX  I called number to find out what previous phone call referred to. 
I informed XXXX ( person that answered ) that I was returning a previous phone call to determine what call what about. I was then put on hold. New person picked up call ( XXXX ). My name was given, put on hold, XXXX returned to phone requesting that I needed to give 2 types verifying information ( date of birth and address ) before phone call continued. I informed XXXX that I was not comfortable giving requested information. XXXX stated questioned when did they call me, because I just called in. I informed XXXX that they call me around XXXX ( XX/XX/year> ) and it was XXXX and I was given the XXXX phone number and told lines were open until XXXX if I wanted to call back, and I was calling to find out what was going on. XXXX then again requested two forms of verification ; can you verify DOB and address. I informed XXXX again that I was not comfortable giving out requested information and was then told " when I'm ready to discuss, we do need verification and I could call back then, thank you Have a good day '' I responded thank you. Phone call ended * * * * * * Company identified themselves as XXXX XXXX XXXX, I believe this information is false. After looking up phone number online, it's actually XXXX XXXX, a debt collection agency. ( Separate complaint )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I had been having my account sense early XXXX. I was just recently informed of my account being under 30 days sense opening so i have no option to cash checks with them or I'd have my account put on hold and will not be able to use them for another XXXX weeks. My account is under review for my use of XXXX and nothing i do is fraudulent. I use my account much less and when i do it is refined and small. I am not given a chance to provide any helpful supportive documents to work in my favor in the matter. The company has declared that it is unlikely to keep my account and forced me to go without my money i had available in my account.

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 monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: LA

Complaint narrative:
It has been 3 days since my debt that was being waged garnished was paid in full. Despite constant contact and being told " it will go out by the end of the day '', nothing has gone out. My employer is currently holding the check from my last deduction due to me verbally informing them that the account is {$0.00}. They won't be able to hold it any longer but this debt collector is not sending the release. With this being a pay period end, I'm also at risk of another unnecessary deduction due to this company not sending the release to my employer. I have spoken to several representatives that have given me either misleading or false information. XXXX XXXX is the Supervising representative that have promised me for the last 3 days, she would personally be sending out the release. This company is not following best debt practices, nor are they following the policies that they have informed me, the consumer, are in place for their agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SLM CORPORATION
State: SC

Complaint narrative:
Sallie Mae has called my phone multiple times during the day. But has called at least 2 times right after XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief