vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Chime Financial Inc
State: SC

Complaint narrative:
I am here to to file a formal complaint against Chime for furnishing false and inaccurate negative information to the major credit reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX which has caused a drastic and unwarranted drop in my credit score. This appears to be a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically sections regarding the accuracy of information furnished to consumer reporting agencies. Facts of the matter : On or about XX/XX/year>, I discovered that my credit score had dropped significantly due to a reported large debt owed to Chime. I have never received any loan, cash advance, or funds from Chime. I have only ever used Chime for payments via its virtual debit card and have never activated or used a physical Chime card. On XX/XX/year>, I contacted Chime customer service multiple times to investigate. I spoke with several representatives, and I have recorded three separate phone calls ( via the XXXX recording app, legal under South Carolina one-party consent law ) plus written transcripts as proof. Every Chime representative I spoke with explicitly confirmed that I do not owe any balance or debt to Chime and have never owed any balance or debt. They stated there is XXXX outstanding amount on my account. When I asked about the reported credit builder item, representatives admitted I was never informed of it during signup ( despite their claim that everyone gets it ). They further speculated that any prior payments made through my Chime virtual debit card but processed through another banking app ( such as my main bank XXXX XXXX ) XXXX have triggered an erroneous hit on my credit file. I have monthly Chime statements in my possession showing a XXXX balance at all times and confirming no debt has ever existed. Despite Chimes own admissions that no debt exists, they have allowed ( or directly furnished ) this inaccurate negative information to appear on my credit reports. This has caused me concrete financial harm through a damaged credit score, potential higher interest rates, and inability to qualify for credit or loans. Requested actions : Require chime to delete this item from my credit files. Confirm in writing to me that the deletion has occurred and provide updated credit reports from all bureaus showing the removal. Take any appropriate enforcement action against Chime for repeated violations of the FCRA and unfair/deceptive practices. I am enclosing copies of : My credit report ( XXXX ) highlighting the erroneous Chime entry. Recent Chime account statements showing XXXX balance. Transcripts/summaries of the recorded XX/XX/year> & XXXX XXXX phone calls with Chime representatives. This is not a dispute I should have to fight forChime already admitted the truth on recorded lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: MO

Complaint narrative:
I am submitting this response regarding Waypoint Resource Groups explanation. While I acknowledge that the company stated the account was updated and withdrawn and that communication has ceased, this does not fully resolve my complaint. The core issue remains : this account does not belong to me. I do not recognize any obligation with Waypoint Resource Group, and I did not authorize any transaction or agreement associated with this account. Because of this, I filed an identity theft report with the Federal Trade Commission ( FTC ). Waypoints response confirms that they have withdrawn the account and ceased collection activity. However, withdrawal alone is not sufficient. A fair and complete resolution requires that the account be fully deleted and removed from my credit report with all credit reporting agencies, including XXXX XXXX XXXX XXXX If the account has been withdrawn and is no longer being pursued, then there is no valid reason for it to remain on my credit file in any capacity. Any continued reportingeven if marked as disputed or inactivecontinues to harm my credit profile. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information may be reported. Since I do not own this account and no documentation has been provided proving that I authorized or incurred this debt, the account is unverified and must be removed. Additionally, under FCRA 605B ( 15 U.S.C. 1681c-2 ), when a consumer reports identity theft and identifies fraudulent accounts, those accounts must be blocked and removed, not simply withdrawn internally. Therefore, I am formally requesting the following : Immediate deletion of the Waypoint Resource Group tradeline from all credit bureaus Written confirmation that the account has been removed Assurance that the account will not be reinserted without proper verification and prior notice I am not refusing to pay legitimate debts. However, I will not accept responsibility for an account that I did not authorize and do not recognize. At this point, Waypoint Resource Group has already acknowledged withdrawal of the account. The only remaining step to fully resolve this matter is complete deletion of the tradeline. Until the account is removed from my credit report, this issue remains unresolved. I respectfully request immediate action to correct my credit file in accordance with federal law. Thank you.

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 2026-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I submitted a Public Service Loan Forgiveness ( PSLF ) buyback request to the U.S. Department of Education regarding my federal student loans serviced by XXXX on XX/XX/XXXX. At the time of submission, the StudentAid.gov website indicated that I would receive a response, including buyback information, within approximately 45 days. However, I did not receive any response within that timeframe. Due to the lack of response, I submitted a formal complaint, which was acknowledged under XXXX XXXX # XXXX on XX/XX/XXXX. As of today, I still have not received any substantive update, determination, or calculation related to my buyback request. Specifically, I have not been provided : A status update on my request A timeline for review or completion The calculated buyback amount Any indication that my case is actively being processed The only response I received contained general information about the PSLF program and did not address my case specifically. During this time, my loans have been placed into administrative forbearance beginning XX/XX/XXXX, and continuing through XX/XX/XXXX. I have been informed that : Time spent in this forbearance does not count toward PSLF qualifying payments Interest resumed accruing on XX/XX/XXXX This delay is causing harm because I am unable to make qualifying payments toward PSLF while my buyback request remains unresolved, and my loan balance continues to increase due to accruing interest. I have made multiple attempts to obtain updates but have not received meaningful information or resolution. I am also approaching retirement, currently planned for XX/XX/XXXX. The continued delay in processing my PSLF buyback request is creating significant uncertainty regarding my ability to complete the PSLF process prior to retirement. Without a determination of my buyback amount and resolution of my request, I am unable to make informed financial decisions or take the necessary steps to finalize my eligibility for forgiveness. This delay is directly impacting my retirement planning and financial stability. I am requesting : Immediate review of my PSLF buyback request A formal determination and calculation of the buyback amount A clear timeline for resolution

Company response to consumer: Untimely response
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Citis KYC ( Know Your Customer ) department claims that they requested documentation from HTTP a nonprofit organization that I currently chair via a phone call on XX/XX/XXXX. They indicated they would send a XXXX on that day but it was not received. I called back to tell them I did not receive the XXXX on XX/XX/XXXX. I finally received the XXXX on XX/XX/XXXX and completed it. Citi put a hold on HTTP 's account on XX/XX/XXXX without notifying me. On XX/XX/XXXX, I contacted them to tell them the account was placed on hold after missing payroll. Citi claimed that the XXXX still needed to be completed and sent it again and I completed it a second time and they indicated they would unblock the account. On XX/XX/XXXX I contacted Citi again and told them the account was still blocked. They sent the XXXX again and I completed it a XXXX time. On XX/XX/XXXX I contacted Citi again to tell them the account was still blocked. They claim the account is now unblocked. The information that Citi KYC requested is information they already had from the time the account was set up. This is the worst customer service I have experience in my professional career over 38 years.

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 non-monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
Our CD at Huntington matured XXXX XXXX, XXXX. We looked online and found that Huntington offered 3.5 % interest for a Money Market with new money and a Huntington Platinum Perks Checking account. Huntington stated that a CD was considered new money. We went to Huntington on XXXX XXXX, XXXX, cashed in our CD. We told two different bank tellers that we wanted the 3.5 % Money Market account. We left the bank with assurance that the 3.5 % account was set up. In early XXXX we noticed on our bank statement that we were only receiving 1.81 % interest on our Money Market account. We called Huntington and talked to XXXX. We thought that Huntington would just fix their mistake and make good on their promised amounts. This did not happen! After over a month of phone conversations, first with XXXX and then with the bank manager XXXX, we were told that Huntington would not make good on the promised interest rates for XXXX XXXX XX/XX/XXXX, but would update the account to 3.5 % after that. XXXX said that Huntington could not backdate interest. We said that we had been cheated out of hundreds of dollars and wanted satisfaction. We said we would withdraw all our money, contact a Federal Agency and let people online know what to expect if Huntington makes a mistake! XXXX said he would tell Huntington what we said and would let us know of their decision. The interest rate on our Money Market Account went to 1.51 % in XXXX and 1.56 % in XXXX. Both these rates are less than half of the promised rate. The one in XXXX was after we had complained! We called Huntington again on XX/XX/XXXX only to find that the decision not to give us what was originally promised was final! We went to the bank and closed all our accounts. We received a phone call ( XXXX ) from Huntington in XXXX Illinois from XXXXXXXX XXXX XXXX XXXX on XXXX wanting our input on what had transpired with our experience with Huntington. We said that we were extremely dissatisfied and that if there was any way they could make good on the money that they owed us we would be satisfied. If Huntington was unable to backdate we would be happy with a promotional payment or some other way of making it right. XXXX said that she would run it by Huntington and get back to us within three business days. XXXX called again in XXXX leaving message to call her back. We returned the call the same day only to find that Huntington would not pay any of the money that they owe us! At Huntington the customer pays for Huntingtons mistakes!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 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: GA

Complaint narrative:
2nd Notice MOHELA XXXX XXXX XXXX XXXXXXXX XXXX XXXX RE : Formal Account Dispute and Request for Documentation To Whom It May Concern, I am writing to formally dispute errors on my federal student loan account serviced by MOHELA. My account has been transferred multiple times, and as a result, my payment amount appears to have been miscalculated. Additionally, MOHELA has stated that my original Master Promissory Note ( MPN ) is not available, which is required under federal law. Under the Higher Education Act ( 20 U.S.C. 1087e and 1098e ), Truth in Lending Act, FCRA, and CFPB servicing standards, I am requesting the following : A complete and accurate copy of my Master Promissory Note ( MPN ) A full payment history from origination to present A detailed explanation of how my current payment amount was calculated A correction of any errors found in your review Suspension of any negative credit reporting while this dispute is under investigation This letter constitutes a formal written dispute and request for information. Federal law requires that you acknowledge this request within 30 days and provide a full response within 45 days. Please send all requested documentation to the address listed above. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
Been trying to redeem rewards for months. I have {$26.00} so past the {$25.00} threshold needed. The website ( which always has issues and is frequently down ) has erased my deposit account for cash back direct deposit. I keep entering the info to put it back in and it just won't work. Account number, name, etc routing number all correct. I can not call as I can not physically speak and I finally got someone to call for me and we were on hold forever. As soon as the person asked for my account number they put us on hold and never came back. There is no other way to contact TD Bank and they have no ADA accessible communication lines. This is ridiculous. It's XXXX problem after another with TD Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 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: MA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I opened an independent checking account with Truist in XXXX. In XX/XX/XXXX, I received my first paycheck of {$760.00} from my employer, which I deposited via the Truist mobile app on XX/XX/XXXX. On XX/XX/XXXX, a hold was placed on my account for alleged fraudulent activity. When the funds were said to be released around XX/XX/XXXX, my account was closed, and I was unable to access my money. Customer service repeatedly told me the funds were held due to a fraud investigation. My employer confirmed that Truist withdrew the funds but never returned them. In XX/XX/XXXX, I visited a branch, submitted a picture of the check, and was assured the funds would be mailed to me ; they never arrived, and follow-ups were ignored. After months of unresolved issues, I submitted a notarized letter from my employer on XX/XX/XXXX. The branch still could not resolve the issue. On XX/XX/XXXX, over XXXX years later, I called customer service again and was told my funds would be held indefinitely. Only after requesting a manager was I told I needed to email Truists fraud team with a photo of the notarized letter. I followed those instructions and emailed XXXX, but I never received any response. Truist removed the funds from the check but did not return them to my employer or me. This issue has remained unresolved for over XXXX years despite repeated compliance with all documentation requests.

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 2026-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under 616617, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX at XXXX I got a notification that there was fraudulent activity happening with my bank account. There were XXXX separate transactions attempting to be made which were a {$0.00} ( from a website to check if cards function that is commonly used by scammers. XXXX ), {$140.00}, {$290.00}, and {$380.00}, all of these were for concerts happening at The XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX XXXX ). I called ( XX/XX/XXXX @ XXXX ) Wells Fargo to get the situation taken care of during my work hours. The XXXX smaller amounts were immediately refunded and the {$380.00} had to be flagged and a fraud case was opened with Wells Fargo ( XXXX ), I did not receive the money back until XX/XX/XXXX and it seemed to be taken care of. On XX/XX/XXXX I received mail from Wells Fargo saying they were going to reverse the refund for the XXXX because my address was used in the transaction, I called Wells Fargo ( XX/XX/XXXX @ XXXX ) to get more information about the situation. I spoke to a manager and emailed their accountant at XXXX XXXX XXXX ( the manager- XXXX XXXX XXXX, accountant- XXXX XXXX XXXX XXXX which is where the transaction was made to and the transaction has a different email for the transaction that is not mine further proving that it is fraud and a case of stolen identity. Wells Fargo has continued to be extremely unhelpful during this time and seems to not care of their lack of security for my personal information and continues to blame this situation on the orange peel. I tried to reopen the case to get it changed to a stolen identity case and Wells Fargo said there is nothing they can do and refused. Attached are the people I have been in contact with as well as my time punched for my job ( XXXX XXXX, manager- XXXX XXXX XXXX ) that can verify I was working during the time the tickets were bought.

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 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/year>, XXXX XXXX starts to charge me XXXX $ more than XXXX times in XXXX day. This goes on for several days and it is fraud. We contacted XXXX in XX/XX/year>, they said that ok it is fraud. Now they say that it is not fraud because all information is matching and ip address is matching. ( Note : I had a trojan virus on my computer and it had remote access which can explain the ip address matching and I have an email saying that all my information has been leaked on the dark web which can also explain the information matching )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I applied for a Wells Fargo credit card and was approved. i used the card for about XXXX in purchases. Unfortunately, despite multiple attempts, i have been unable to create a login to then go in and pay off my balance. They say they have a technical error " on their end '' and to try again later. i have tried multiple times with no luck. I have attempted to contact their customer service number to resolve this, but am put on hold for incredibly unreasonable amounts of time. i continue to try this path with no results. i have also contacted them on XXXX and asked for help, only to be told i must go into a branch. This should not be required, and i am agoraphobic and do not leave the house so thats a solid no from me ( and a violation of the disabilities act when this could easily be resolved ). ALL I WANT TO DO IS PAY THE MONEY I OWE. they want the money, i have the money. but i am unable to. Very disappointed that wells fargo can not resolve what should be a simple issue, not needing the CFPB involvement. i would like you to contact them and tell them to resolve whatever technical issues they have and allow me to pay my bill. Thats literally all i want, to be able to pay the money i owe. but they prevent it. i'm not sure if its to increase late fees or interest or just blatant incompetence, but i don't care the reason. i want you to tell them to resolve this and allow me to pay my bill.

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