vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 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: PA

Complaint narrative:
I dispute these inaccurate tradelines and demand deletion or correction after reasonable reinvestigation : XXXX XXXX Chargeoff ( XXXX ) ; XXXX XXXX chargeoff XXXX XXXX ) ; XXXX XXXX collection ( XXXX ) ; U.S. DEPT. OF EDUCATION collection ; XXXX XXXX ( XXXX ) ; XXXXXXXX XXXX XXXX delinquency. Reporting false, misleading, or unverified data violates FCRA duties of maximum accuracy and reinvestigation. Case support : XXXX XXXX XXXX XXXX must do more than parrot furnishers, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA ; XXXX XXXX XXXXXXXX XXXXincomplete/misleading account reporting is actionable ; XXXX XXXX XXXX XXXX to assure accuracy supports liability .

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 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: AR

Complaint narrative:
CFPB COMPLAINT NARRATIVE : CASE # XXXX COMPLAINANT : XXXX XXXX XXXX, Executive Operations Officer, XXXX XXXX XXXX XXXX XXXX Chime Financial , Inc. TOTAL RESTITUTION DEMANDED : {$5400.00} EXECUTIVE SUMMARY OF VIOLATION : I am formally reporting Chime Financial for a bifurcated violation of federal consumer protection laws : a breach of the Electronic Fund Transfer Act ( Regulation E, 12 CFR 1005.11 ) and the commission of Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). 1. REGULATION E INVESTIGATORY FAILURE : On XX/XX/year>, Chime unilaterally reversed {$370.00} in provisional credits for four transactions ( {$50.00}, {$68.00}, {$67.00}, and {$180.00} ) despite my submission of Merchant Concurrence. I provided Chime with direct authorization from the XXXX XXXX XXXX confirming the charges were erroneous and a refund was warranted. By ignoring primary-source evidence and deferring to a third-party intermediary, Chime failed its mandate to conduct a " reasonable investigation '' under 12 CFR 1005.11. 2. ABUSIVE SEIZURE OF CAPITAL ( RIGHT OF OFFSET ERROR ) : Chime has effectively seized {$56.00} from my Savings Account to offset a negative balance created by their own investigatory error. This unauthorized withholding of my personal property constitutes an Abusive Act as it deprives me of essential liquidity based on a factually invalid debt. 3. PROCEDURAL OBSTRUCTION : Chimes automated support systems have systematically blocked my attempts to escalate this legal matter. As documented in attached evidence, Chime 's XXXX assistant explicitly stated it " can't help '' with my intent, thereby denying me the ability to resolve a regulatory failure through standard channels. 4. ITEMIZATION OF CONSEQUENTIAL DAMAGES ( {$5400.00} ) : {$370.00} : Principal recovery for Dispute # XXXX. {$56.00} : Immediate restoration of seized savings capital. {$4000.00} : Consequential Damages ( $ XXXX for 4 days ) for the total paralysis of my " Multi-Card Strategy '' and business operations at XXXX XXXX XXXX XXXX {$1000.00} : Administrative Restitution for bad-faith mitigation labor. DESIRED RESOLUTION : I demand the immediate restoration of my {$430.00} in total principal and a formal settlement offer for the accrued {$5000.00} in consequential damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
PHH Mortgage XXXX XXXX XXXX XXXX Ocwen has attached fees to my payments, fail to post payments and gives the appearance that payments are late but are NOT. They have charged my account more than XXXX in fees since brought current in XXXX of 2023. I am in Alabama, and no longer want my insurance and taxes escrowed, they billed the insurance company and tax office without my authorization. Though I had already paid my insurance and taxes they are charging anyway. If there is ANYWAY to AVOID Using SO!! This company changes their name after lawsuits are filed against them. They will be changing their name again to ONITY MORTGAGE.... AVOID THIS COMPANY. They have also illegally closed on consumers while in the process of bankruptcy!

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 2026-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: MS

Complaint narrative:
I am filing this complaint regarding inaccurate reporting and improper servicing of my federal student loan. My loan was placed back into repayment after a period of deferment, however I was never properly notified that my deferment had ended or that payments had resumed. The servicer relied on obsolete contact information including phone numbers and email addresses that have not been valid for over ten years. Because proper notification was never provided, I was unaware that payments had resumed and the account was reported as late and eventually defaulted. Under the Fair Credit Reporting Act and the Higher Education Act servicing requirements, furnishers must report accurate information and provide appropriate notice regarding repayment status changes. Because proper notice was not provided, the late payment reporting is inaccurate and resulted from a servicing failure. I am requesting a full review of the servicing history and notification records. I also request retroactive forbearance be applied for the entire period of missed payments and that all associated late payment reporting be corrected to reflect current or on-time status. Additionally, I request that the servicer provide documented proof of all notification attempts regarding the end of my deferment and the resumption of repayment. This should include dated records of mailed notices, electronic communications, or any other documented borrower contact attempts. If the servicer can not produce verifiable records demonstrating that proper notice was provided to a valid address or contact method, then the reported delinquency and default status can not be considered accurate. In that case, I request that retroactive forbearance be applied and that all related late payment reporting be corrected or removed from my credit file.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: VA

Complaint narrative:
I took out a car title loan a few years ago. They are charging me 85 % interest and {$30.00} late fee each month on my payment. I have been making a payment in the amount of {$240.00} every month since opening the loan I believe they are violating Virginia law which caps interest at 36 % and also overcharging on my late fees. Also, they finance me {$3100.00} and the maximum is {$2500.00}. I have inquired about the rates and they said they are exempt from Virginia law. I just want them to close my account as I have paid the principal and maximum interest allowed by Virginia law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-03-10 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
a unauthorized transaction took place on my account on XX/XX/year>. I called to the bank immediately once I noticed my card missing. I got fed questions for the bank rep regarding the situation and answered the questions to the best of my knowledge. I was asked about my last purchase which I told her, I made a bank deposit after the purchase. I did not consider my deposit as a purchase/transaction. I believed the bank reps question to pertain to the last time I spent money. I want to the bank and spoke with a manager she called the fraud department and the told her to ask me if I can prove it was not me. I asked for the recorded phone records copies of all surveillance videos and times and places of all transactions. the bank manager gave me a account printout. I would like a copy of that conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NPAS, Inc.
State: OH

Complaint narrative:
Subject : Misrepresentation of settlement and continued collection attempt My name is XXXX XXXX. Phone : XXXX I am filing this complaint regarding NPAS Solutions , LLC and a medical collection account related to XXXX XXXX XXXX XXXX. Account number : XXXX Patient name : XXXX XXXX Dates of service : XX/XX/XXXX XX/XX/XXXX The balance originally reported as my patient responsibility was {$140.00}. I contacted the collection agency and was told that if I paid {$98.00}, the remaining balance would be written off. Based on that representation, I made a payment of {$98.00} on XX/XX/XXXX. After making this payment, I believed the account had been settled in full. However, I later received another collection notice from NPAS Solutions claiming an additional balance of {$42.00} on the same account. I also received a letter dated XX/XX/XXXX containing an itemized list of hospital services totaling over {$10000.00}, even though the document itself clearly states that I am not being asked to pay those itemized amounts. This appears to be used as verification of the debt rather than an actual bill. My concern is that NPAS accepted a settlement payment and then continued to attempt to collect an additional balance. If the account was transferred between collection agencies or internally reassigned, that should not invalidate the settlement agreement made when the payment was accepted. I request that NPAS Solutions review their call records and internal notes from XX/XX/XXXX and correct the account to reflect a XXXX balance. If NPAS claims that the {$98.00} payment was not accepted as a settlement, I request written documentation proving that no settlement agreement existed at the time of payment. I also request confirmation that no negative credit reporting will occur related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: AZ

Complaint narrative:
XX/XX/XXXX @ XXXX XXXX- {$60.00} XX/XX/XXXX @ XXXX XXXX- {$60.00} XX/XX/XXXX @ XXXX XXXX- {$60.00} XX/XX/XXXX @ XXXX XXXX- {$60.00} XX/XX/XXXX @ XXXX XXXX- {$80.00} XX/XX/XXXX @ XXXX XXXX- {$60.00} XX/XX/XXXX @ XXXX XXXX- {$60.00} XX/XX/XXXX @ XXXX XXXX- {$80.00} XX/XX/XXXX @ XXXX XXXX- {$80.00} XX/XX/XXXX @ XXXX XXXX- {$60.00} XX/XX/XXXX @ XXXX XXXX- {$80.00} XX/XX/XXXX @ XXXX XXXX- {$60.00} XX/XX/XXXX @ XXXX XXXX- {$60.00} XX/XX/XXXX @ XXXX XXXX- {$70.00} XX/XX/XXXX @ XXXX XXXX- {$60.00} XX/XX/XXXX @ XXXX XXXX- {$60.00} XX/XX/XXXX @ XXXX XXXX- {$60.00} All transactions minus the one on the XXXX was made through XXXX on XXXX to my boyfriend. Which I did not make and he never received it. I tried disputing with XXXX and they won't do anything... saying a family or a friend made that payment. Which is not true because I am the only one who has access to my phone and XXXX. So I took it up with chime. They denied 6 of the many disputes. Many still under investigation which I know they will deny. The charge on the XXXX was through the chime app. Same thing ... to my boyfriend but he never received anything ( again... I never sent ) the only time I sent him money through the app was for XXXX $ twice. He did get that. Chime is riffing me about XXXX dollars which is not cool at all! They need to be shut down!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center . regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center . continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I called explaining I have NEVER opened a XXXX account. I have only been with XXXX XXXX and XXXX XXXX. Ive placed a block on all my credit because my information has been leaked or someone was able to use just my name to open a card and use credit. I also tried having the company take care of it and they directed me here to report it. I am super frustrated, and running in circles trying to see why after placing blocks on my XXXX, I received this. I do not and have not opened an account, nor used this line of credit. Please close it and tell me what else I need to do in order to ensure my privacy and name is not used on anything else.

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 2026-03-10 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
When i called in on XX/XX/XXXX i spoke to the settlement dept of Lowes to settle the account for the amount of XXXX which was made the on the same day! now we got a billing statement from Lowes stating i owe XXXX due on XX/XX/XXXX and i would like this account to be done and to stop receiving any type of information

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 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX I send {$2000.00} to my daughter from my Chase checking acct to her Chase checking acct through XXXX XXXX the status say completed but my daughter not got the money I call chase bank right away, and my daughter call Chase too they gave me claim #, after two day they send the mail to me said the Claim is close with no explanation, me and my daughter keep called to asking where my money was send to and who got that, Chase keep play game sent me to call XXXX XXXX and XXXX tell me call Chase , keep kick me calling around the last call on Chase XXXX, they said money is lost, sorry they can't helping to recover the {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I have been a customer of PNC Bank since 2023 and maintained both personal and business accounts with them. My business is a pharmacy, and my accounts were used to receive payments from XXXX, XXXX, and private insurance companies, as well as to make payments to XXXX XXXX. Recently, PNC Bank abruptly closed all of my accounts without providing any explanation or prior notice. This sudden action severely disrupted my business operations because I rely on my bank account to receive insurance payments and to pay my pharmaceutical suppliers. The bank did not give me sufficient time to transition to another financial institution. In addition, after closing my accounts, I discovered that PNC reported information about me to XXXX XXXX XXXX. As a result, when I try to open new bank accounts at other financial institutions, my applications are being denied and I am being referred to XXXX XXXX XXXX. This has created serious financial and operational difficulties for both my personal finances and my pharmacy business. I contacted PNC Bank to request an explanation and clarification regarding why my accounts were closed and why I was reported to XXXX XXXX XXXX. However, I was told that the bank does not have to provide a reason and that they can close accounts at any time. I am extremely concerned about this situation. I believe the closure may be discriminatory, as I was told informally that the issue may be related to my first name. I would like a clear explanation from PNC Bank regarding the reason for closing my accounts and reporting me to XXXX XXXX XXXXI am requesting that regulators investigate this matter and require PNC Bank to provide a formal explanation and correct any inaccurate information reported about me that is preventing me from opening accounts elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Novo Platform Inc.
State: TX

Complaint narrative:
On XX/XX/year>, XXXX XXXX transfers totaling approximately {$15000.00} were sent from my XXXX XXXX bank account through the XXXX integration. The transactions were for {$2800.00}, {$7000.00}, and {$5500.00} and were directed to a recipient listed as contract labor. Shortly after the transfers were completed, I realized that the transactions were associated with a scam and immediately attempted to seek assistance to recover the funds. I contacted Novo bank to report the issue and requested help initiating a dispute or recovery. XXXX responded that because the transfers were processed through the XXXX integration, XXXX received the XXXX funds and executed the wire transfers. XXXX stated they were unable to assist further and advised that disputes must be handled directly through XXXX. I then contacted XXXX to report the fraudulent transactions and request a recall of the transfers and a fraud investigation. I requested that XXXX contact the receiving bank to attempt recovery of the funds. At this time, the funds have not been recovered, and I am requesting assistance in ensuring that the appropriate investigation and recovery efforts are conducted regarding these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
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 2026-03-10 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: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/XXXX Opened account with Chime bank online I transferred {$60.00} to fund account It asked if I wanted a metal card I thought this was referring to the XXXX of the debit card so I said yes When I looked at the balance I saw I had only {$6.00} and change I text chat at Chime that same day and discovered it was a secured credit card with a fee of {$53.00} I said cancel but had to call Called XX/XX/XXXX and was passed around to 3 customer service reps I was told I could cancel but no refund I explained it was confusing and being a XXXX XXXX on a fixed income I could not afford this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Around XXXX I opened a checking account with bank of America that ended up being a credits only due to a Accounts take over i ended up having to open up a hold new account that also ended up being closed at the time of account closure I with drawed my funds from the new account but was told I couldn't with draw my funds that was in the old account due to pending credits of XXXX and holds for XXXX on holds i was told by a banker that the funds will be sent in a check after the pending charges was done pending account was closed XX/XX/year> I was sent a XXXX check

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