vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Relay Financial (US), Corp.
State: WY

Complaint narrative:
This was your original response. Were sorry to hear about your experience with Relay. Please consider this our response to the CFPB complaint filed on your behalf. This account was reviewed as part of Relays compliance teams standard process for assessing accounts and transactions flagged as potential risks to the account holder and/or Relay. A recall request has been received, and we are currently awaiting the Hold Harmless agreement. Once the Hold Harmless is received, the user will be notified about the status of the account. We understand that this was not an ideal resolution and apologize for the pain points of your experience with Relay. We appreciate the feedback you provided as were consistently working on building a better environment as we continue to make improvements. This does not give me any information. I message your compliance team everyday to no avail. Are you requesting a hold harmless from me? If a recall request from last year is sent that does not mean you can take money out of my account. I need to give permission. According to UCC Article 4A, Scope : Covers " wholesale '' funds transfers, usually between businesses or financial institutions, that are not subject to the federal Electronic Fund Transfer Act ( EFTA ). Structure : Comprised of five parts, covering Subject Matter, Payment Order Issue/Acceptance, Execution, Payment, and Miscellaneous provisions. Unauthorized Orders ( 4A-202 & 4A-204 ) : If a bank complies with a " commercially reasonable '' security procedure, the customer is generally liable for unauthorized orders. If not, the bank bears the risk. Errors ( 4A-205 & 4A-207 ) : Governs misdescription of beneficiaries ( relying on account numbers over names ) and erroneously executed orders. Finality : Funds transfers under 4A are generally considered irrevocable once the beneficiary 's bank accepts the payment order. Generally once the funds have been accepted by me i have to approve a return. This customer bought products that I have waiting for her and paying storage fees for. This is absolutely not fair or legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY

Complaint narrative:
I am filing this complaint regarding the reporting of late mortgage payments that occurred during a federal government shutdown. Due to the shutdown, I experienced a temporary and documented interruption in income, which caused my mortgage account to fall behind for three months. Once the shutdown ended and my income resumed, I am trying to the account fully current. The account has remained current since that time. Despite the short-term hardship and rapid cure of the delinquency, the servicer reported the late payments to the credit bureaus, resulting in an approximately XXXX drop in my credit score. While the reporting may be technically accurate, it does not fairly reflect the extraordinary circumstances or my overall payment history. I have requested a goodwill adjustment directly from the servicer due to the government-caused hardship and prompt resolution, but I am seeking assistance to ensure this matter receives proper review by the servicers compliance team. I am requesting that the servicer consider removing or reclassifying the late payment reporting as a goodwill adjustment in light of the exceptional circumstances and my current good standing. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: Chime Financial Inc
State: WA

Complaint narrative:
" I am disputing an unauthorized Chime XXXX XXXX account ( Account # XXXX ) that was opened in my name without my consent. I have contacted Chime multiple times to resolve this. While they eventually closed the account, they have refused to remove the fraudulent trade line from my credit reports at XXXX, XXXX, and XXXX. This is a direct violation of the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB compel Chime to delete this account from all credit bureau reporting immediately. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I am filing this complaint because inaccurate information continues to be reported on my credit report after multiple disputes with the credit reporting agencies. My credit file currently contains : * Three charge-off accounts * Three collection accounts * Two late payments reported inaccurately I previously disputed these accounts with the credit bureaus ; however, they failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). The information remains reported without proper verification or supporting documentation. The continued reporting of these accounts is causing significant harm to my credit profile and financial opportunities. I respectfully request that the CFPB require the credit reporting agencies and furnishers to : 1. Provide proper verification of each disputed account 2. Remove any unverifiable, inaccurate, or incomplete information 3. Correct or delete improperly reported late payments 4. Ensure compliance with the Fair Credit Reporting Act I request written confirmation once corrections or deletions are completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Jefferson Capital SystXX/XX/XXXXDate Opened : XX/XX/XXXX Original Creditor : XX/XX/XXXX Amount : {$110.00} To Whom It May Concern, I am writing in response to a collection account listed on my credit report regarding the above-referenced account. This letter is a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXg. I dispute this debt and request that you provide proper verification. Please provide the following : XXXXProof that I am legally obligated to pay this debt. XXXXA copy of the original signed agreement or contract with XX/XX/XXXX bearing my signature. XXXXA complete payment history showing how the amount of {$110.00} was calculated. XXXXDocumentation showing that your company has legal authority to collect this debt, including proof of assignment or purchase of the account. XXXXThe date of first delinquency. Until you provide proper validation, you must cease collection activities and reporting of this account to any credit reporting agencies. If you can not provide the requested documentation, I demand that this account be deleted from my credit reports immediately. All future communication regarding this matter must be in writing. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: IN

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: NRA Group, LLC
State: TX

Complaint narrative:
National Recovery Agency XXXX XXXX ( NRA Group LLC ), a third-party debt collector, sent repeated unsolicited text messages to my cellular telephone number attempting to collect a consumer debt. I have been continuously registered on the National Do Not Call Registry since 2016. Despite this long-standing registration, NRA Group sent no fewer thanXX/XX/XXXX ( XXXX ) unsolicited text messages to my mobile phone. These messages referenced credit reporting consequences, demanded payment, and included links to an online payment portal. At no time did I provide prior express consentwritten or otherwiseto receive text messages from this company. Each of these messages constitutes a separate violation of the Telephone Consumer Protection Act ( XXXX XXXX. XXXX ), including the Do Not Call provisions applicable to text messages. The frequency, content, and persistence of the messages also violate the Fair Debt Collection Practices Act ( 15 U.S.C. XXXX ). After receiving these messages, I provided written notice to NRA Group identifying the unlawful conduct and offered to resolve the matter without litigation. Rather than escalate the matter to legal or compliance personnel, the company refused to engage unless I disclosed my phone number and internal account information. The company further suggested that it may have texted the wrong number. Sending debt collection text messages to the wrong number is not a defense and is itself a TCPA violation, demonstrating inadequate compliance controls. NRA Group has continued to condition meaningful discussion on disclosure of identifying information despite already having engaged in unlawful communications. This reflects bad-faith handling of statutory violations and a disregard for federal consumer protection laws. I am preserving all evidence, including the text messages and written correspondence, and reserve all rights and remedies available under federal and state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
in XXXXXXXX XXXX 2025 i deposited a check into my citizens bank account and the next day my account wouldnt let me log in anymore now ive received a letter in the mail stating that my {$1500.00} that i deposited has been sitting in the account i thought that my account just closed so i didnt think my check has been sitting in there until i got that letter i would've never know and they wouldnt let me log into the account and transfer my money theyve been holding my money for months i need my money ive called them more than XXXX times and theyve yet to do anything to resolve the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 15 U.S.C XXXX section XXXX A. States I have the right to privacy. 15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 explanation
Consumer complaint received 2026-02-19 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: Chime Financial Inc
State: WA

Complaint narrative:
" I am disputing an unauthorized Chime XXXX XXXX account ( Account # XXXX ) that was opened in my name without my consent. I have contacted Chime multiple times to resolve this. While they eventually closed the account, they have refused to remove the fraudulent trade line from my credit reports at XXXX XXXX, and XXXX. This is a direct violation of the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB compel Chime to delete this account from all credit bureau reporting immediately. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: IL

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Original complaint - CFPB Complaint # : XXXX ( the " Complaint '' TDAF Account ending in XXXX ( the " Account '' ) TD Auto Finance sent a Notice of Intent to Repossess dated XX/XX/year> stating that {$1100.00} was due by XX/XX/year> to cure the account. On XX/XX/year>, I made a payment of {$560.00} via XXXX during a recorded call with TD Auto Finance. During that call, I informed the representative that I had suffered a XXXX XXXX to the XXXX on XX/XX/year> and was having difficulty understanding what was being explained. I expressed confusion and relied on the representatives guidance. The representative told me the payment would buy me time. At no point during that call was I clearly informed about a right-to-cure deadline, the specific amount required to fully cure, or that repossession could still proceed if the full {$1100.00} was not paid. TD Auto Finance later repossessed the vehicle and submitted a response to CFPB stating that the past due amount was not received within the cure period. Their response did not acknowledge my XX/XX/XXXX payment. I am requesting a full review of XXXX XXXX XXXX servicing conduct, including the handling of my cure-period payment, the clarity of communication given my disclosed medical condition, and the accuracy and completeness of their prior CFPB response XXXX I am requesting the XX/XX/year> call recording, full payment ledger, account notes, and proof of mailing for all notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am submitting this complaint regarding a XXXX credit-card charge ( USD {$580.00} ) that I did not authorize and for which I did not receive goods or services. I first notified Chase of this billing error by phone within 60 days of the statement on which the charge appeared, thereby providing timely notice under the Fair Credit Billing Act. I later followed up in writing to formally dispute the charge. Chase subsequently informed me that the transaction was considered valid, but did not provide any explanation or evidence supporting this determination. No signed receipt, proof of authorization, merchant documentation, or description of investigative steps has been provided to me. I sent a follow-up written request asking Chase to explain the basis for the denial and to provide the evidence relied upon. Chase did not respond to this request. In addition, Chase has failed to conduct or demonstrate a reasonable investigation of this billing error. A conclusory statement that a charge is valid, without disclosure of supporting evidence or investigative findings, does not allow me to understand or verify the basis for the decision and is inconsistent with the creditors obligations under the XXXXair Credit Billing Act ( 15 U.S.C. 1666 ) to reasonably investigate and respond to billing disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I opened a dispute with my bank for 3 transactions made with my debit card XXXX because I return the merchandize under the store return/refund policy on XX/XX/year>. The store accepted the return and a full refund was issued, they gave me the official refund receipt, voided voucher and email confirmation, but the refund was never posted to my account. The bank denied the claim without giving any document and official information about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I asked how my payment are allocated because I have a Reg Balance and 3 Balance Transfers. It is random on how payments are allocated! I ask if there was a certain % that goes to each balance, or how its if figured. At first I was told payment goes to the higher Interest balance first then I was told they prioritize balance transfers ( the one most of the payment goes to right now has a 0 % interest fee ) My XXXX payment to my Reg Balance was XXXX XXXX it was XXXX. I have not used this card during or before these months for new purchases. I told the supervisor one month I am paying more than my interest the next month less. I ask how is this figured and she told me by computer, basically she didn't know. My payments are all over the place and I just wanted to know how they are allocated and I got the run around with no information other that the computer does it and they prioritize balance transfers. Nothing made sense and I want to make a large payment and know how it will be allocated.

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 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KS

Complaint narrative:
1 : Addressing the " Missing '' {$310.00} " I am requesting an immediate escalation to a supervisor for a manual ledger audit. Your support system acknowledges {$470.00} in refunds, yet my current available cash balance is only {$36.00}. My total account deposits were {$640.00} and my total spend was {$290.00}. The math does not add up ; there is a discrepancy of {$310.00} that is not reflected in my available balance. '' 2 : The XXXX " Pending '' Hold " I need to know why the XXXX refund for {$66.00} has remained in 'Pending ' status since XX/XX/XXXX. It has been over 30 days. Under Regulation E, these funds should have been released to my available balance by now. Please release the hold on this merchant credit immediately. '' t 3 : The " Settlement Window '' Violation " Merchant refund {$52.00} for Order XXXX was issued by XXXX with a final settlement deadline of XX/XX/XXXX. That deadline has passed, and the funds are not in my available balance. This is a failure of Cash App to credit my account after the merchant has settled. I am keeping this for my CFPB filing. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MA

Complaint narrative:
This was apart of the identity theft investigation that had took place last year. We contacted the company but couldnt delete it due to them sending it to you all already.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates Account XXXX Narrative : I am submitting this complaint regarding Portfolio Recovery Associates. I dispute the accuracy of this account and have requested verification multiple times. Portfolio Recovery Associates has not provided sufficient documentation to establish that this debt is valid and that I am responsible for it. The reporting of this account as delinquent is causing harm to my credit profile. I request that Portfolio Recovery Associates either validate this debt with proper documentation or remove it from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief