vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am filing this complaint regarding the handling of my account by Chime Financial after I was the victim of theft and fraud. On XX/XX/year>, my XXXX XXXX XXXX was stolen from me at the XXXX XXXX in XXXX XXXX, Nevada. I immediately reported the theft and later filed a police report with the XXXX XXXX XXXX XXXX XXXX ( Report Number : XXXX ). The police report documents the theft of my phone, which contained access to my financial accounts. After my phone was stolen, my Chime account was breached. I promptly contacted Chime to report the fraud and provided documentation, including the police report, explaining that my phone had been stolen and that unauthorized access to my account was possible. Instead of protecting my account and assisting me as a victim of fraud, Chime closed my account on XX/XX/year>. At the time the account was closed, Chime was holding over {$200.00} of my money. Since the closure of my account, I have repeatedly contacted Chime customer service in an attempt to recover my remaining funds. Despite multiple phone calls and attempts to resolve the matter, I have received little to no assistance. On several occasions I was transferred or disconnected, and representatives have not been able to explain why my funds have not been returned. As of today, Chime continues to hold over {$210.00} of my money without providing a clear explanation or returning the funds to me. It has been months since the account closure, and I have made numerous good-faith efforts to resolve the issue directly with the company. I am requesting that Chime immediately return the full remaining balance from my closed account and provide a written explanation for why my funds have been withheld despite my fraud report and police documentation. Supporting documentation includes the XXXX XXXX XXXXXXXX XXXX XXXX incident report regarding the theft of my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I attempted to close a credit card with an annual fee in XXXX. However I just saw a charge come through for the annual fee of {$99.00} because I have a new financial tracking app. It turns out they've been charging me every year after I thought the account was closed. I can show that no purchases were made after XXXX on this card as I was told over the phone that it was closed. I called the bank yesterday XX/XX/XXXX and they said they would close the account now and reverse the most recent fee, but that they would not reverse the previous 5 years of fees because " their system wouldn't let them ''. Since they now have closed the account I don't have access to the previous statements but can show the previous few years from my bank payments. This is the Bank of America XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

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 ) 1006.34, 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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: California Business Bureau, Inc.
State: MA

Complaint narrative:
A representative from XXXX XXXX called me on XX/XX/year>, at XXXX XXXX. She stated that she was from the collections department of XXXX XXXX XXXX, which is false. I had to ask her for the name of her company again before she accurately stated that she was with XXXX XXXX She failed to make the mandatory disclosures required by the FDCPA. She also became aggressive and raised her voice when I asked what my payment options were. When I asked her for a number to call back later, she said that it was the number she was calling from and hung up on me. Making misrepresentations and becoming aggressive are abusive and unfair debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been a Chase Freedom XXXX cardholder for nearly three years. Chases Cell Phone Protection benefit is advertised front and center with this description : Get up to {$800.00} per claim and {$1000.00} per year in cell phone protection against covered theft or damage for phones listed on your monthly cell phone bill when you pay it with your eligible credit card. Based on this headline description, I made two financial decisions : ( 1 ) I chose to pay my monthly phone bill with my Chase Freedom XXXX card for nearly two years specifically to maintain this benefit. ( 2 ) when my phone screen was damaged, I spent {$320.00} to repair it because I genuinely believed Chases advertised benefit would cover this damage. Chase then denied my claim, citing that my carrier is a prepaid plan. This restriction was never stated clearly and upfront. It is buried in fine print far below the headline benefit description. Chase never defines the term prepaid anywhere in its benefit materials. I am not a telecommunications professional I had no way of knowing my carrier would be classified as prepaid or that this would disqualify my claim. Because Chase failed to disclose this material restriction clearly and upfront, I paid my phone bill with this card for nearly two years payments Chase directly benefited from and I lost {$320.00} on a repair I would never have made if the restriction had been clear. The advertising I saw led me to believe I was covered. It was not until after I filed my claim and received a denial letter dated XX/XX/year>XXXX that I discovered this restriction existed. I am requesting Chase honor my {$320.00} claim and revise its benefit advertising to state all material restrictions clearly and upfront, not buried in fine print. I have also spoken with other Chase cardholders who experienced the exact same situation their claims were denied for the same reason, based on the same unclear advertising. This does not appear to be an isolated incident, but a systemic issue with how Chase advertises this benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: VA

Complaint narrative:
Validation of Debt Request - I.C. SYSTEM INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) 1006.34, 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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am disputing the following accounts as charged off : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} In addition, I am disputing the following inquiry : XXXX Date : XX/XX/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 non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: U.S. BANCORP
State: IL

Complaint narrative:
My father told me has been receiving statement notifications to his email starting XX/XX/year> fo my credit card account. I did not provide US Bank with my email, and I surely did not provide them with my fathers Email. Im not sure how they obtained my fathers email, but it feels like they just found the first email the could find and started sending statement notifications to them.

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 2026-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing the accuracy of the information on my credit report with Equifax. The following items may not be accurately reflected and I ask for a full investigation into these accounts and inquiries under the Fair Credit Reporting Act. Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/year> at XXXX I deposited an amount of {$400.00} at an ATM on XXXX XXXX XXXX XXXX XXXX CT XXXX, the ATM responded with There's a problem with this machine. We're sorry, but we can't return your cash. Prior to the issue, we processed {$150.00} of your deposit. To help us complete your deposit, enter the approximate amount of addition cash inserted I then entered the amount of {$250.00}. The ATM then left a message saying Verify your deposit amount. If you disagree with the amount deposited in your account, call Bank of America Claims Services at : XXXX. I went on my BOFA app and only saw the amount of {$150.00} deposited in my checking account ending in XXXX. I had to call Bank of America financial services twice before they opened a claim and issued me a temporary credit of {$250.00} on XX/XX/year> while they investigated my claim. On XX/XX/XXXX they came to a decision that it was not in my favor and they would refuse to give me my {$250.00} that I deposited into my bank with good faith that my cash would be in my checking account. On XX/XX/XXXX I had the pleasure of speaking with 4 representatives of the financial claims service department for Bank of America. The first two representatives transferred me over to other agents in the same department and the third person wanted to transfer me again and when I expressed my concern of constantly being transferred with no help she insisted that she knew what she was doing and said the next person will be the person to help me, the automated system then said goodbye and hung up. I called for the last time and got a hold of a an agent named XXXX I expressed everything that just happened to me. I then requested a formal reinvestigation of my ATM deposit dispute and a review of the ATMs electronic journal, balancing records, and reject bin contents for the time of my transaction, I also requested a supervisor/and or manager and XXXX stated that they rejected my claim and insisted that he would help me put an appeal in, in the middle of me stating my appeal he just hung up on me. Ive been a customer for Bank of America for 8 years and have never been treated this way.

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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: AL

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 ) 1006.34, 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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
Validation of Debt Request - CREDENCE RESOURCE MA - XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 ) 1006.34, 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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: YSA ARM LLC DBA Oxygen XL
State: NJ

Complaint narrative:
Date : XXXX XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX From : XXXX XXXX RE : Dispute of Inaccurate Credit Reporting ( Accounts # XXXX ) XXXX, XXXX XXXX, hereby declare and attest to the following facts under penalty of perjury under the laws of the United States of America : 1. Regarding XXXX XXXX XXXX ( Balance : {$11000.00} ) : I never entered into a legal lease agreement, nor did I sign any contract or financial obligation for this property. I was an occupant only. The reporting of this account as a " Joint '' debt is factually incorrect. I demand that the furnisher provide a copy of the original contract bearing my physical signature ; otherwise, this item must be deleted for lack of validation. 2. The debt incurred is the direct result of a documented domestic violence situation in 2024. I was forced to flee the residence for the safety of myself. 3. Survivor Protections : I am officially exercising my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-3 ) to have these adverse items blocked and suppressed from my credit profile. I have already initiated a formal request for the XXXX police incident reports from the XXXXXXXX XXXX XXXX XXXX to provide as " appropriate proof '' of these events. I certify that the information provided in my dispute is true and correct to the best of my knowledge. I request the immediate and permanent deletion of these entries from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: DISCOVER BANK
State: FL

Complaint narrative:
Name on my Discover Card is XXXX XXXX XXXX On XX/XX/year> I purchased a jumpsuit identified on my Discover bill as XXXX total amount of the transaction was {$54.00}. As soon as I opened the package I knew it was the wrong jumpsuit and it did not fit. I immediately contacted the merchant via email, that I wanted to exchange for the correct jumpsuit in the correct size. The merchant offered me {$6.00} and keep the jumpsuit. I said no why would I keep a jumpsuit that was not the one I ordered and the size was no good. I asked them to provide me with a return address, they responded that I had to return it to XXXX. I said I responded to an Ad from a company in the XXXX, that the item was shipped from XXXX only a week prior so why would I have to return it to XXXX? ( a cost that would exceed what I paid for the item ). they said they moved their distribution facility to XXXX. I said no where on your ad was it ever mentioned that items shipped from the XXXX would have to be mailed back to XXXX XXXX. This company is a fraud. Once I wrote them that what they offered was unacceptable they stopped answering my emails. I then opened a dispute with Discover, who should stand with me behind this bait and switch operation. Right now they have sided with the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I applied for the XXXX XXXX XXXX on XX/XX/year> and was immediately approved. The promotion stated that after spending {$1000.00} within the first XX/XX/XXXX days of opening the card, I would receive XXXX Fun Points ( equivalent to {$300.00} in onboard credit for a XXXXXX/XX/XXXX ). I made a {$1000.00} purchase on XX/XX/year> and paid the balance in full on XX/XX/year>. My wife and my in-laws also applied for the card and made the required {$1000.00} purchase. They received their XXXX Fun Points, but I have not received mine. When I called Barclays ( XX/XX/XXXXXX/XX/XXXX in late XXXX, I was assured that the points would appear within a couple of days, no later than XX/XX/year>. When that date passed, I called again and another customer service representative assured me that the points would be awarded by XX/XX/year> and provided the following case number : XXXX. Now that this date has passed, I called Barclays again and their customer service representatives are refusing to discuss the matter further. I am requesting assistance in resolving this issue and ensuring that the promotional points promised at the time of account opening are credited to my account. Thank you for your assistance.

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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

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 ) 1006.34, 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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
I RECEIVED A NOTIFICATION STATING I OWED MONIES TO HOLLISCOBB, THEY FAILED TO VALIDATE THIS FRAUDULENT ACCOUNT

Company response to consumer: Closed with non-monetary relief