vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, SoFi sent me an email that said I was eligible to receive a bonus of up to {$300.00} by meeting the requirements outlined in the email. The requirements were to receive at least {$5000.00} in direct deposits within XXXX days of receiving the email. 

I completed this requirement and expected to receive the {$300.00} bonus by early XXXX, but was never paid this bonus by SoFi. I reached out to customer service multiple times, where they confirmed that I was eligible and should receive the bonus. 

On XX/XX/XXXX, I spoke with a SoFi customer service rep. He told me that I was eligible for this bonus and he said that I should receive the bonus payout by XX/XX/XXXX. 

On XX/XX/XXXX, I spoke with another SoFi rep that reiterated I was eligible for the bonus. He said he would open ticket to the appropriate support team and that they will reach out to me via email within XXXX days On XX/XX/XXXX, I spoke with yet another SoFi rep that said I wasnt eligible for bonus. 

I have included a copy of the email and XXXX of my statements showing proof that I completed the direct deposits needed to satisfy the requirements outlined in the email.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Product : Checking account Bank : Capital One Amount withheld : {$2000.00} Account : Closed Capital One closed my checking account and has retained approximately {$2000.00} of my own funds since XX/XX/year>. 

The bank informed me that the funds were being held due to an internal investigation related to a XXXX claim. However, nearly XXXX months have passed and Capital One has failed to release my money or issue the required check. 

I have contacted Capital One multiple times and have received no clear resolution, timeline, or written explanation. There is no court order, no legal judgment, and no lawful justification provided for holding my funds for this extended period. 

This prolonged retention of my money is unreasonable and constitutes unfair banking practices. I am requesting immediate release of my funds or issuance of the check without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Checkbook Inc
State: CO

Complaint narrative:
On XX/XX/year> our two companies initiated 31 ACH payments through the vendor Checkbook.io. The total of these payments was {$490000.00}. The payments originally had a payment received day of XX/XX/year>. The funds were withdrawn from our bank accounts on XX/XX/year>. During the week the payment receive date was updated to XX/XX/year>. Many of the recipients have received their funds as of today, XX/XX/year>. We would like to have a report of this on file in the event it continues to happen.

Additionally, Checkbook.io sent the following notice : We are writing to share an update regarding your ACH processing timeline. Beginning today, ACH settlements for your account will be processed on our standard three-business-day ( 72-hour ) schedule, rather than an expedited timeline. This is to ensure compliance with updated processing requirements, and to maintain consistency and stable processing across our platform.

This change affects only the timing of settlement. Payment initiation and receipt remain fully available, and uninterrupted. Any scheduled or recurring payments will continue as planned and will settle within the standard 72-hour window.

We understand that payment timing is critical to your operations. If you have questions about how this change impacts your specific workflows, or upcoming payments, please dont hesitate to reach out. Your continued partnership and understanding is sincerely appreciated.

Best regards, The Checkbook Support Team What they do not mention is that there is a 24 hour delay on all payments before they begin processing and the funds are withdrawn from the senders account the next business day after initiating the transfer. Having the funds for 3 business days in their account seems like they could process them quicker.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: MI

Complaint narrative:
I have tried for months to start paying my student loans. At first I could not access any way to pay. I called and they said I had no account on record and this was a problem others were having. Hours on hold and never getting a straight answer I gave up. Now I am in default and my credit is ruined. I have tried in vain to get my loans consolidated and my fed loan activity window always says review pending. I try all the time to get help and questions answered by calling or emailing and I never get a response. Meanwhile my credit is shot and I cant even get a car so I have to walk to work. All I want to do is work out a deal to pay my loans back at an affordable price but I cant seem to even start paying them back. Im freaking out and at my wits end. I NEED HELP. The last person I actually talked to who could help me said sorry youre not alone their are XXXX XXXX people who are in your spot. This does not help.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: OK

Complaint narrative:
I am submitting a complaint against Check Into Cash regarding unlawful debt collection practices. 

On XX/XX/year>, I sent Check Into Cash a written cease-and-desist notice requesting that all communications regarding this alleged debt stop. 

Despite this, I received debt-collection text messages from Check Into Cash on XX/XX/year> and XX/XX/year> stating : Theres still time! Call to discuss settlement options. These messages were attempts to collect a debt after my cease-and-desist was sent.

These communications appear to violate the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), which prohibits continued communication after a consumer requests that communication cease.

I have attempted to resolve this debt in good faith by offering reasonable payment arrangements and contacting the company through their own website email system. My communications have gone unanswered.

I am requesting that Check Into Cash : Cease all phone and text communications Communicate in writing only Respond in writing regarding a reasonable resolution of the account Correct their collection practices to comply with federal law I have retained screenshots of the text messages and a copy of my cease-and-desist letter as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Upon looking at my credit profile I see a unauthorized inquiries in my profile please remove it 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 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Again, Amex gift cards are supposed to be accepted where amex is accepted. But, the cards are declined. I have at least 10 cards with money on them that are declined. I can provide the account numbers upon request. But, they are essential useless. Why sell them. It was a gift and the representative said well, since its essential anonymous, the vendor will decline. So, I can't use them? How can this be solved? Why can't i register the cards after i receive them to guarantee they work.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverifiable debt collection and credit reporting practices by National Credit Systems , Inc .

National Credit Systems is attempting to collect and report a debt on behalf of a third party. I disputed the alleged debt and requested proper validation. In response, the company provided limited documentation that does not substantiate the accuracy, amount, ownership, or legal collectability of the alleged balance. The materials provided do not include an itemized accounting, proof of assignment or ownership, or verification sufficient to demonstrate that the amount being reported is accurate.

Despite the lack of complete and verifiable documentation, National Credit Systems has continued to furnish this account to consumer reporting agencies as valid and accurate. Furnishing disputed information without adequate verification raises concerns regarding the reasonableness of the investigation conducted and the accuracy of the information being reported.

Additionally, after I raised concerns regarding the insufficiency of the documentation provided, I did not receive a substantive response addressing the specific issues raised. Instead, the account continues to be reported without clarification or correction.

I am requesting that this matter be reviewed to ensure compliance with federal debt collection and credit reporting requirements, including the obligation to conduct a reasonable investigation and to refrain from furnishing unverifiable or inaccurate information. 

Supporting documentation is attached for record-keeping purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am filing this complaint because a company has been reporting two auto insurance accounts that do not belong to me. I have been disputing these accounts for over three years. Each time I dispute them, they are removed, but every year the company adds them back again. 

These accounts are not mine, and I have never had an auto insurance policy with this company. Despite providing disputes multiple times, the inaccurate information continues to reappear on my credit report. 

This company is using my personal information without my authorization and reporting small balances of {$14.00} and {$140.00}, which are still damaging my credit and causing ongoing harm. The repeated re-reporting of accounts that do not belong to me shows a failure to properly investigate and permanently correct inaccurate information, as required by the Fair Credit Reporting Act ( FCRA ). 

I am extremely frustrated and exhausted by having to dispute the same inaccurate accounts year after year. I am requesting that the CFPB require this company to permanently delete these accounts from my credit reports, stop re-reporting them in the future, and ensure that my personal information is no longer misused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
This letter constitutes a formal Direct Dispute pursuant to 15 U.S.C. 1681s-2 ( a ) ( 8 ) and 12 C.F.R. 1022.43, regarding inaccurate, misleading, and unverified information Midland Credit Management ( Midland ) is furnishing to consumer reporting agencies. 
The accounts at issue are as follows : MIDLAND CREDIT MANAGEMENT Acct. XXXX XXXX XXXX XXXX XXXX {$1800.00} MIDLAND CREDIT MANAGEMENT Acct. XXXX XXXX XXXX XXXX XXXX  {$1300.00} MIDLAND CREDIT MANAGEMENT Acct. XXXX XXXX XXXX XXXX XXXXXXXX {$760.00} MIDLAND CREDIT MANAGEMENT Acct. XXXX XXXX XXXX XXXX XXXXXXXX {$410.00} Basis of Dispute The above accounts are disputed on multiple grounds, including but not limited to : 1. Lack of Competent Verification Midland has not provided admissible evidence establishing that I have a contractual obligation to Midland Credit Management, including proof of assignment or chain of title from the original creditor. 
2. Inaccurate and/or Incomplete Reporting Information furnished fails to meet the accuracy and completeness standards required under 15 U.S.C. 1681s-2 ( a ) ( 1 ) and Metro 2 reporting guidelines, including accurate ownership, balance justification, and account history.

3. Failure to Substantiate Amounts Claimed No itemization has been provided demonstrating how the alleged balances were calculated, including principal, interest, fees, or credits.

4. Failure to Mark Accounts as Disputed To the extent any account has been reported without a dispute notation, such reporting is misleading and unlawful. 
Statutory Duties Under 15 U.S.C. 1681s-2 ( b ), once a dispute is received ( directly or via a consumer reporting agency ), Midland is required to : Conduct a reasonable investigation Review all relevant information Correct, delete, or cease reporting any information that is inaccurate, incomplete, or unverifiable Update all consumer reporting agencies accordingly Demand Accordingly, I demand that Midland Credit Management : 1. Provide full documentary verification, including : o Proof of assignment/ownership for each account o Original signed agreement or contract o Complete payment history and itemized balance breakdown OR 2. Immediately delete all above-referenced accounts from XXXX XXXX XXXX XXXX if such verification can not be produced.

If Midland continues to furnish inaccurate or unverifiable information after receipt of this dispute, such conduct will constitute willful noncompliance and reckless disregard of the FCRA, subjecting Midland to liability under 15 U.S.C. 1681n and 1681o. 
Please respond in writing within 30 days as required by law. 
This letter is sent without waiver of any rights, claims, or remedies, all of which are expressly reserved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My Chase checking account has been fully frozen due to a XXXX dispute initiated by the sender. The disputed amount is {$2000.00}, however my entire balance of {$1500.00} has been frozen, including undisputed funds. 

This freeze has left me with zero access to money. This is my only bank account. I currently have no access to food, have bills due, and upcoming travel already scheduled. I have requested hardship assistance and a partial release of funds, but Chase has stated there is " nothing they can do '' while the investigation is open. 

The payment in question was intentionally sent to me and I have text message proof that is was a gift. The sender is disputing the transaction after a personal dispute. Despite this, Chase is freezing funds in excess of the disputed amount, which is causing severe financial hard ship. 

Additionally, I am legally prohibited from contacting the sender due to an active order of protection. Because of this, I am unable to resolve this matter directly with him, and any expectation that I contact the sender is not possible. 

I am requesting an immediate partial release of undisputed funds or limited access for basic living expenses while the investigation continues. I am not asking for the dispute to be resolved immediately - only access to the funds that are not part of the dispute so I can meet my basic needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advanced Recovery Group LLC
State: GA

Complaint narrative:
Since filing my original complaint, I have obtained new evidence of continued unlawful third-party communications by Advanced Recovery Group in connection with an alleged XXXX XXXX XXXX  account . 

Despite receiving a written Cease and Desist, Advanced Recovery Group sent a Notice of Default directly to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX an upstream contractor and third party, disclosing : Alleged default status and balance ( {$31000.00} ) Project names ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Contract amounts, payment history, and retainage balances Assertions intended to affect payment timing under pay-when-paid terms XXXX & XXXX subsequently provided a written response confirming receipt of this notice and explaining that retainage has not yet been released due solely to owner funding, demonstrating actual interference with active business relationships. 

This communication occurred without any court judgment, garnishment order, or legal authorization permitting third-party disclosure or redirection of funds.

I believe this conduct constitutes violations of : 15 U.S.C. 1692c ( b ) impermissible third-party communication 15 U.S.C. 1692d & 1692e harassment and deceptive/unfair practices I have also notified Advanced Recovery Group that complaints have been filed with the Georgia Attorney General and the Federal Trade Commission ( FTC ). As of this update, no written confirmation of compliance, retraction, or corrective action has been provided.

I am submitting : The Notice of Default sent to XXXX XXXX XXXX XXXX XXXX XXXX  written response confirming receipt and impact Copies of my cease-and-desist correspondence I respectfully request that this additional evidence be reviewed as part of the CFPBs investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: KY

Complaint narrative:
On XX/XX/XXXX I received a message from chime asking if I was making large purchases which I replied no but they still allowed money to be sent. Multiple fraudulent charges were made to my account totaling over XXXX dollars that was converted from USD to XXXX on a website called XXXX. I canceled the debit card immediately that was stolen and changed banking password. I contacted XXXX and deactivated an account I had where someone hacked and used my debit card. I disputed these charges on XX/XX/XXXX and denied XX/XX/XXXX. Requested reason for denial and reopened the dispute on XX/XX/XXXX. This time submitting police report, IC3 and FTC complaints. Chime approved a smaller dollar amount for XXXX that was fraudulent to be reimbursed to me, but denied the larger dollar amounts entirely even though its from the same company the day that temporary credit was supposed to be given to me on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SCA Collections, Inc.
State: SC

Complaint narrative:
VALIDATION AND CEASE AND DESIST XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, South Carolina XXXX SCA Collect XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Account XXXX Dear SCA Collect I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter. 
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 2026-01-12 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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