vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I got a notification today XX/XX/XXXX that my account will be closed XX/XX/XXXX. I called I spoke with a rep she didnt give any answers she was rude and she hung up in my face. I called back and spoke with a rep by the name of XXXX and he told me the account was going to be closed due to a transaction that wasnt under policy so I asked XXXX what transaction he was talking about he proceeds to tell me he could not tell me because because the account was still open. So I asked so how is the bank closing account but could not tell me what transaction was the problem. So I tell him Ill just get my money out the account he tells me I can go to a atm to get my money due to the scheduled account closing and they will have to send me my money in a check which is very unacceptable this is affecting my life this is affecting my direct deposit its very frustrating because this is a bank Ive be a customer since XXXX so for them to do this to me with no explanation is really crazy. Which Im very confused cause then proceed to tell me I can reopen the account why would I want to reopen anything with them after they pull this on me.Something needs to be done chime is a fraud bank and should be closed down.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I am filing this complaint against bmo Harris for a failed dispute investigation regarding a debit card transaction. I placed two orders with the merchant 'stagvapes ' for electronic items. The items arrived completely defective and are unable to take or hold a charge. I contacted the merchant immediately, and they explicitly admitted in writing that they knowingly mixed my orders with a 'higher defect rate batch. ' The merchant explicitly told me 'we will take good care of it ' and promised that a subsequent batch would be fixed, enticing me into spending more money, only to send more broken items. I filed a formal dispute with my bank under consumer guidelines for merchandise that is defective/ not as described. My bank gave me a provisional credit, but has just reversed it and stated that I am 'liable for the charges. ' The bank appears to have blindly sided with the merchant 's automated shipping tracking number while completely refusing to review my written evidence where the merchant openly admits fault and admits to shipping defective goods from a compromised batch. This was a personal purchase made for myself, my family, and a few friends, and I have had to personally reimburse my family out of pocket due to the merchant 's deceptive practices. I am requesting that my bank manually review these explicit admissions of fault from the merchant and reinstate my permanent credits for these transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am filing a complaint against XXXX for an egregious FCRA violation. I formally disputed a collection from Transworld Systems ( Original Creditor : The Forest, Balance : {$5700.00} ). Transworld failed to provide a legally sufficient verification under Texas Property Code 92.104, as they provided no itemized list of deductions, receipts, or invoices to support the balance. XXXX accepted a bare lease agreement as 'verification ' of a massive monetary balance and updated my report on XX/XX/year>, rather than deleting this unverified trade line as required by federal law. Because the collector failed to verify the actual balance within the lawful window, XXXX must delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against TransUnion for an egregious FCRA violation. I formally disputed a collection from XXXX XXXX ( Original Creditor XXXX XXXX XXXX Balance : {$5700.00} ). XXXX failed to provide a legally sufficient verification under Texas Property Code 92.104, as they provided no itemized list of deductions, receipts, or invoices to support the balance. TransUnion accepted a bare lease agreement as 'verification ' of a massive monetary balance and updated my report on XX/XX/year>, rather than deleting this unverified trade line as required by federal law. Because the collector failed to verify the actual balance within the lawful window, TransUnion must delete this account immediately.

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 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
I was recently notified by Affirm that there are two installment loans in my name that I did not authorize. These loans were obtained through identity theft, and I am a victim of fraudulent activity. Upon discovering these accounts, I immediately contacted Affirm and requested that they conduct a thorough investigation. I was informed that the investigation could take up to 30 days to complete and that credit reporting related to these accounts would be suspended during that time. However, after only three days, Affirm informed me that they were unable to determine that I did not authorize the loans and therefore concluded that I would be held responsible for the debt. They further advised that the accounts could be reported negatively to the credit bureaus. I strongly dispute these findings. The investigation appeared to be incomplete and insufficient, particularly given the short timeframe in which it was conducted. I requested copies of all loan documentation, records, and evidence reviewed during their investigation, but this information has not been provided to me. Since learning of this fraud, I have taken immediate action by filing an official police report, reporting the identity theft to the appropriate government agencies, and submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ). Law enforcement is actively investigating this matter. I am extremely dissatisfied with Affirms handling of this case. Despite clear evidence that I am a victim of identity theft, the company has failed to conduct a thorough investigation, has not provided the documentation supporting its decision, and is attempting to hold me financially responsible for debts that I did not incur. I respectfully request a comprehensive review of this matter, the release of all relevant loan documentation, and the removal of any negative reporting associated with these fraudulent accounts while the identity theft investigation remains ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNITED COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Account Number : XXXX XXXX XXXX XXXX XXXX Amount : UNITED COLLECTION XXXX - XXXXXXXX XXXX XXXX XXXX XXXX : {$3300.00} To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * Error & Omissions Insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
A DISPUTE WAS SENT TO XXXX XXXX AND XXXX ON XX/XX/year>. This letter serves as a formal dispute and demand for full validation of the alleged debt you claim I owe. I dispute this account in its entirety and refuse to make any payment until you provide competent evidence that I have a legal obligation to pay. Under the Fair Debt Collection Practices Act, including but not limited to 15 U.S.C. 1692g, you are required to cease all collection activity until you provide proper validation of this alleged debt. Be advised that a computer-generated statement, screenshot, balance summary, or generic billing printout does NOT constitute proper validation. You are hereby demanded to provide ALL of the following : 1. The name and address of the original creditor 2. The complete account number associated with the alleged debt 3. A full accounting of the alleged balance, including : * principal * interest * fees * charges * payments 4. A copy of the original signed contract or application bearing my signature 5. Proof that you are legally authorized to collect in my state 6. Documentation proving your ownership or assignment of this alleged debt 7. A complete chain of title if the debt was sold or transferred 8. Proof that the alleged debt is within the applicable statute of limitations 9. Copies of any judgments associated with this account 10. Proof that you reported this account accurately under the Fair Credit Reporting Act You are further notified that : * Any continued reporting of inaccurate, incomplete, or unverified information to any credit reporting agency may constitute violations of the FCRA. * Any collection activity without proper validation may constitute knowing violations of the FDCPA. * Telephone contact is inconvenient and is hereby refused. All communication must be in writing only. * Failure to validate this alleged debt should result in immediate deletion of all related reporting from XXXX XXXX, and XXXX If you can not provide the documentation requested, you must immediately : * cease collection efforts, * close the account, * and notify all credit reporting agencies to permanently delete any reference to this alleged debt. Be advised that I am carefully documenting all correspondence and potential violations for complaints to the Consumer Financial Protection Bureau, Federal Trade Commission, and my State Attorney Generals Office, as well as potential civil action. I expect your complete response within 30 days of receipt of this notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
purchased {$1800.00} american express gift card. was declined trying to make purchases, could not add to virtual wallets. called customer service and told me everything was fine on their end. wait 24 hours and try again. i waited 24 hours to try to add to wallets and make transactions but then the card was lut on hold. i callled them and they said they are unable to provide a replacement on a virtual gift card. i was unable to use this virtual gift card at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am writing to request assistance regarding a collection notice I received from Resurgent Capital Services on XX/XX/year>, for a balance of {$9200.00}. This account belongs to a XXXX XXXX XXXX XXXX, but it was not opened by me. I am a victim of identity theft, and someone used my personal information without my permission. I filled out an official FTC Identity Theft Affidavit and sent it to both the original creditor, XXXX XXXX, and the collection agency, Resurgent/LVNV, to notify them of the fraud. Despite providing this official federal document to both parties, they have continued to harass me for this debt and are impeding my credit by allowing this fraudulent account to negatively impact my reports. I am a XXXX man, and I have never owned or used an XXXX or any other XXXX device in my entire life. From what I understand, you need an XXXX to open and use an XXXX XXXX. Because I do not own the necessary phone, it is physically impossible for me to have opened or used this credit card. Someone else must have done this on their own phone using my information. I also asked them to send me proof or information showing that this debt belongs to me, but it was not provided. I am trying my best to cooperate and resolve this matter honestly, but Resurgent rejected my federal report and demands that I complete their own notarized forms and a police prosecution letter. I would be very grateful if the CFPB could help me look into this so the companies stop harassing me and clear my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I am writing to request assistance regarding a collection notice I received from XXXX XXXX XXXX on XX/XX/year>, for a balance of {$9200.00}. This account belongs to a Goldman Sachs Apple Card, but it was not opened by me. I am a victim of identity theft, and someone used my personal information without my permission. I filled out an official FTC Identity Theft Affidavit and sent it to both the original creditor, Goldman Sachs, and the collection agency, Resurgent/LVNV, to notify them of the fraud. Despite providing this official federal document to both parties, they have continued to harass me for this debt and are impeding my credit by allowing this fraudulent account to negatively impact my reports. I am a XXXX man, and I have never owned or used an XXXX or any other Apple device in my entire life. From what I understand, you need an XXXX to open and use an Apple Card. Because I do not own the necessary phone, it is physically impossible for me to have opened or used this credit card. Someone else must have done this on their own phone using my information. I also asked them to send me proof or information showing that this debt belongs to me, but it was not provided. I am trying my best to cooperate and resolve this matter honestly, but XXXX rejected my federal report and demands that I complete their own notarized forms and a police prosecution letter. I would be very grateful if the CFPB could help me look into this so the companies stop harassing me and clear my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
XX/XX/year> Huntington bank frozen my checking and savings account. They said a letter would be mailed explaining frozen account. I waited, sill no letter. I called said my account is being closed that the checks are being mailed. Its now been 30 days and both accounts are still open with available funds but when I asked if I could go to my local bank branch and close them so I could get my over {$300.00} in funds they said no because it's frozen and in process of closing. Said could be 60 more days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 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: U.S. BANCORP
State: MO

Complaint narrative:
I ORDERED FOOD FROM XXXX XXXX XXXX IN XX/XX/year>, THE FOOD I RECEIVED WAS BURNED AND VERY SATLY, I CALLED THE XXXX XXXX WITH THE MANAGER AND WAS TOLD I WOULD BE REFUNDED FOR THE FOOD I RECEIVED, I NEVER RECEIVED A REFUND, SO I CONTACTED US BANK TO DISPUTE THE CHARGE AND WAS GIVEN A PROVISIONAL REFUND, AS OF TODAY US BANK DECIDED TO TAKE BACK THE PROVISIONAL REFUND AND CHARGE MY ACCOUNT THE {$40.00} AND CAUSE MY ACCOUNT TO BECOME NEGATIVE. I TRIED CALLED US BANK BUT WAS TOLD SOMEONE WILL NEED TO CALL ME BACK. I DID NOT RECEIVED AND CALL BACK. AND WAS TOLD I WOULD RECEIVE LETTER IN THE MAIL REGARDING THE DISPUTE ISSUED, THAT NEVER HAPPEN. I NOT SURE HOW US BANK CAME UP WITH THE DECISION TO DEBT MY ACCOUNT FOR SERVICES I RECEIVED FROM XXXX THAT WAS UNACCEPTABLE TO ME. AND IT IS MY MONEY AND IF RECEIVED BURNED FOOD, I SHOULD NOT HAVE TO PAY FOR IT.

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 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
JEFFERSON CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL LL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXXXXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am XXXX XXXX XXXX woman. without thinking of future emergencies or without knowing consequences of severe early withdrawal penalty, on a XX/XX/XXXX I saw advertising on a XXXX XXXX XXXXXXXX. I did not read The Bank F A Q .same day I invested {$230.00}. The interest rate is 4.10 % its a 14 Months C D. Will matured on XX/XX/XXXX. Recently I have to cover some unexpected medical bills try to withdraw some fund from the C D. But bank has very harsh sever punishment.for early withdrawal. Loosing 6 Months of Interest. In my case its only a 3 months. So basically I am loosening 3 month of interest and top of that my principal. I am requesting to F D I C needs to put some restrictions on banks Soften them policy on early withdrawal. When banks found cheap Money they holding depositors like a prisoners. I am requesting to CFPB to structure the early withdrawal policy.

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 2026-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I'm writing to dispute inaccurate late payment notations being reported on my credit file for an account that, to my knowledge and records, has been paid as agreed and never late. I want to be very clear here : I am requesting validation of these reported late payments, because as someone who monitors their credit closely and makes every effort to pay on time, this came as a complete surprise. If youre going to report something as serious and damaging as a late payment, it better be backed by clear, verifiable, and accurate documentation not vague data or automated reporting errors. Under the Fair Credit Reporting Act ( FCRA ), you are required to report information that is 100 % accurate, complete, and not misleading. Reporting a consumer as late when they have not been late is defamatory, unfairly lowers credit scores, and can create real harm from higher interest rates to declined applications. I am not going to tolerate that on my record, especially when its inaccurate.

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 2026-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding GM Financial and the repossession of my vehicle. I attempted to make several payments on my account, but I was blocked from making payments online, through the mobile app, and over the phone. Based on what happened, I believe GM Financial 's payment systems or account handling prevented me from making those payments, even though I was trying to bring the account current. Despite my repeated attempts to pay, GM Financial treated my account as in default and repossessed my vehicle. I dispute the default and the repossession because I believe I was prevented from making payments through the available channels. I am requesting that GM Financial investigate what prevented my payments from being accepted, suspend or reverse the repossession, correct any inaccurate account reporting or default status, and preserve all records related to this matter, including payment records, system logs, call logs, call recordings, correspondence, and account notes. I am also requesting written confirmation of the results of the investigation and the actions taken on my account.

Company response to consumer: Closed with explanation