vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
I am disputing the accuracy of my auto loan balance with Ally Financial related to a XXXX  XXXX XXXX XXXX financed through a Florida dealership. 

Optional warranties and service contracts were added to my financing at the dealership. After the sale, the dealership represented that a certain warranties would be canceled and that Ally Financial would be notified. These cancellation were not properly competed, and no refund or principal credit has been applied to my loan. 

I was informed that the dealership sold or assigned the loan to Ally Financial. After acquiring the loan, Ally Financial began billing without ensuring that i had a meaningful opportunity to review or discuss the loan terms directly with Ally or to ask questions about the agreement. 

When contacted by an Ally representative, I was asked to agree to terms without being provided a clear explanation or opportunity to ask questions. Despite these unresolved issues, Ally Financial processed with billing and collection activity based on loan balance that i disputed. 

This account is formally disputed. I am requesting that Ally Financial investigate the accuracy of the loan balance, document how the loan terms were disclosed and consent obtained, and correct any inaccurate charges related to add-on products or fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
On [ XXXX XXXX ], I transferred {$150.00} from my external bank account to my Chime account. The Chime app displayed a checkbox asking if I authorized automatic repayment of a XXXX XXXX. I did not check this box, as I did not intend to repay at that time. I am a consistent worker who receives direct deposit and I always pay my advance back. 

Despite this, Chime withdrew {$110.00} from the transferred funds to repay my advance. When I contacted Chime customer support, a representative told me this was a technical bug and acknowledged that the checkbox was misleading. The representative also stated that nothing could be done to reverse or credit the funds. He also said that I should have known better but the check box was misleading. 

This withdrawal left me with no money at all, causing immediate financial hardship while I am between jobs. I relied on the apps display and did not give explicit authorization for the repayment from this transfer. 

I request that CFPB review this matter because : XXXX. Chimes app misrepresented the repayment authorization, leading to funds being taken without consent. 
XXXX. The withdrawal caused financial hardship. 
XXXX. Chime has refused any credit or reversal despite acknowledging the bug. 

Transaction details : Amount transferred : {$150.00} Amount withdrawn for repayment : {$110.00} Date of transfer : [ XX/XX/year> ] Date of withdrawal : [ XX/XX/year> ] I am requesting that CFPB investigate this incident and ensure that Chime acknowledges the technical bug, considers remedies for the financial hardship caused, and updates its system to prevent misleading repayment authorizations in the future. They gave me a reference number of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
Dear Bank of Texas, Previously I requested an escrow analysis in addition to my inquiry regarding the XXXX  tax payment. 

In response to my inquiry I was provided a breakdown of my escrowaccount as well as an explanation regarding the XXXX  tax payment. I was also met with additional unnecessary information regarding my homeowners insurance which I did not ask for. 
However, please be advised that this is a second request for an escrow analysis on my mortgage. Please be advised that I have changed my policy to XXXX XXXX and have already made the annual payment of {$2400.00}. This is the accurate amount to include in my monthly escrowpayment. Therefore, based on XXXX  taxes, and insurance my monthly escrow payment should change from {$1300.00} to {$1000.00}. This will change my payment from {$3800.00} to {$3600.00}. 

Please verify my homeowners insurance policy with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX - XXXX Office Hours ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After Hours By Appointment Phone : ( XXXX ) XXXX XXXX Sincerely, XXXX XXXX XXXX  Loan Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: CBC Companies, Inc.
State: GA

Complaint narrative:
Dear Innovis Consumer Assistance,, XXXX XXXX XXXX XXXX XXXX FDCPA Section 807 Violation Misleading - This account was not properly validated.

Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within 5 days of initial contact. Since I did not receive proper validation, this account must be removed. 
XXXX XXXX XXXX XXXX XXXX FDCPA Section 807 Violation Misleading - This account was not properly validated.

Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within 5 days of initial contact. Since I did not receive proper validation, this account must be removed. 
XXXX XXXX - XXXX - FDCPA Section 807 Violation Misleading - This account was not properly validated. Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within 5 days of initial contact. Since I did not receive proper validation, this account must be removed. 
XXXX XXXX XXXX XXXX  - FDCPA Section 807 Violation Misleading - This account was not properly validated. 
Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within 5 days of initial contact. Since I did not receive proper validation, this account must be removed. 
XXXX - XX/XX/XXXX - Invalid and unauthorized inquiry- Inquiry has no Permissible purpose. Please REMOVE it from my credit report XXXX  - XX/XX/XXXX - Invalid and unauthorized inquiry- Inquiry has no Permissible purpose. Please REMOVE it from my credit report XXXX - XX/XX/XXXX - Invalid and unauthorized inquiry- Inquiry has no Permissible purpose. Please REMOVE it from my credit report XXXX  - XX/XX/XXXX - Invalid and unauthorized inquiry- XXXX has no Permissible purpose. Please REMOVE it from my credit report XXXX XXXX XXXX XXXXXX/XX/XXXX - Invalid and unauthorized inquiry - Inquiry has no Permissible purpose. Please REMOVE it from my credit report In violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

FCRA 605B ( 15 U.S.C. 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: CITIBANK, N.A.
State: MI

Complaint narrative:
I am disputing multiple unauthorized charges on my Costco Anywhere VisXXXX card ( XXXX between XX/XX/XXXX XXXX XXXX 2025 ). 
- I reported the fraud to XXXX Costco Anywhere card on XX/XX/year>. I informed them that all XXXX charges were with one single merchant, XXXX. I also told them at that time that one charge for {$150.00} was valid/I had made a purchase at XXXX for that amount. - I received a letter two weeks later stating they had classified the fraud as a merchant dispute and I was responsible for the charges on my account. 
- I called them back on XX/XX/XXXX and repeated that this was fraud and not a merchant dispute and was given an email address ( XXXX ) for follow-up. 
- I sent multiple emails to that address ( the first of which I repeated that the {$150.00} was a valid purchase ) and sent screenshots of my XXXX account to provide evidence of the only purchases made in 2025. 
- Yesterday I made a police report at XXXX XXXX in Michigan, where I reside due to the mismanagement and misclassification by Citi ( case number XXXX ). I followed up again with Citi Costco anywhere card via that same email to inform them of this but have received no response to any of my emails. 
- Today I received a letter from Citi dated XX/XX/XXXX stating they had investigated the one legitimate charge ( {$150.00} ) which was incorrectly included in my fraud dispute. 
- Citi has failed to provide written confirmation that the remaining fraudulent charges are being investigated as fraud and not as a merchant dispute. They have also charged me/debited back {$530.00} of fraudulent activity after stating that I am responsible. Phone calls to them are extremely difficult, time-consuming, and often met with unhelpful or rude representatives. 

I am submitting this complaint because Citi has not responded to multiple written follow-ups and has failed to provide an accessible method to resolve my dispute.

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 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Longhorn Asset Management LLC
State: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt referenced above and to request full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

This letter serves as notice that I dispute this debt in its entirety. I am requesting that you provide proper validation, including but not limited to : The name and address of the original creditor The amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and charges Copies of any contracts, agreements, or documents bearing my signature that establish my legal obligation to pay Proof that you are legally authorized to collect this debt, including a complete chain of title from the original creditor The date of last payment and the date the debt was allegedly incurred Until such validation is provided, you must cease all collection activity and reporting of this account pursuant to federal law. If you are unable to provide the requested documentation, you are required to delete this account from all consumer reporting agencies to which it has been reported.

Please note that reporting disputed, unverified, or inaccurate information to the credit bureaus constitutes a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). Failure to comply with this request may result in further complaints and legal action.

This communication is not a refusal to pay, but a request for proof that I am legally obligated for this alleged debt.

I expect your response within the time frame required by law. 
Sincerely, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt referenced above and to request full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

This letter serves as notice that I dispute this debt in its entirety. I am requesting that you provide proper validation, including but not limited to : The name and address of the original creditor The amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and charges Copies of any contracts, agreements, or documents bearing my signature that establish my legal obligation to pay Proof that you are legally authorized to collect this debt, including a complete chain of title from the original creditor The date of last payment and the date the debt was allegedly incurred Until such validation is provided, you must cease all collection activity and reporting of this account pursuant to federal law. If you are unable to provide the requested documentation, you are required to delete this account from all consumer reporting agencies to which it has been reported. 
Please note that reporting disputed, unverified, or inaccurate information to the credit bureaus constitutes a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). Failure to comply with this request may result in further complaints and legal action.

This communication is not a refusal to pay, but a request for proof that I am legally obligated for this alleged debt.

I expect your response within the time frame required by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I filed a dispute for 3 charges from XX/XX/XXXX of {$5000.00} each for a total of {$15000.00} that showed on my account on XX/XX/XXXX with Citizens Bank. Then few days later I received no correspondence. I went onto the banks portal to see what was happening on the dispute tab to my surprise the dispute had been WITHDRAWN without my knowledge and consent. I called and refiled the dispute at least five more times with the bank and yet they ( agents and supervisors ) kept giving me conflicting information. Then the managers I spoke with said they saw it was a bank error and still till today XX/XX/XXXX, the bank has failed to return my money. 
XXXX XXXX XXXX  Citizens bank also OWES me {$870.00} from the fraudulent deduction from my bank by XXXX which they REFUSED TO INVESTIGATE AND REFUSED TO RETURN MY MONEY. 
I have called the bank several times and I have recording of the bank agents admitting that it was a bank error, yet they REFUSE to return my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Chime Financial Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX  Central Time XXXX XXXX XXXX XXXXRequested alternative id verification for getting into my accountXXXX need to speak to a supervisor was last thing I said before hang upXXXXCall terminated by Chime representative during fraud recovery requestXXXXSent email to XXXX XXXX  and XXXX XXXX XXXX  explaining my problem and still have no resolution'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have told the company the debt is not mine for they do not have my full legal name and I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: VA

Complaint narrative:
I XXXX XXXX am disputing XXXX collection accounts being reported by XXXX XXXX XXXX XXXX XXXX related to the same apartment tenancy : XXXX at XXXX TX and XXXX  XXXX  TX. 

These accounts were opened the same date and appear to represent duplicate charges for the same alleged obligation, constituting improper double collection. 

Additionally, I vacated the apartment due to documented domestic XXXX that resulted in physical injury requiring hospital treatment. My departure was for safety reasons involving the father of my child, not voluntary abandonment. 

Despite this, XXXX XXXX XXXX is reporting both accounts as open collections without providing validation or explanation of how the balances differ. This reporting is inaccurate, harmful, and violates my rights under the Fair Credit Reporting Act. 

I am requesting : Full validation of both alleged debts Written explanation of how duplicate balances are justified Immediate deletion of any account that can not be fully substantiated Suspension of credit reporting during investigation I have supporting documentation available.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I paid off the loan and per the company this was done on XX/XX/XXXX. And as they blocked me from accessing any information on my account I called and spent over an hour in trying to get to someone who understood exactly what I wanted. I spoke with over XXXX people and was even hung up on when politely requested a manager. 

I am looking for the total interest paid in XXXX along with a detailed transactional history from XX/XX/XXXX through the last payment in XXXX. 

And as my car was paid off over eleven days ago, and when I called it was 6 days, I wanted the title overnight-ed to me and as of today I do not have it.

The company representatives were rude, had very little command of the English language, were insulting and degrading. They had no idea as to when and how I will receive my title. They are withholding property of mine with no due cause ; there is no reason that it could not be overnight-ed 1-2 days after they revived the electronic final payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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 2026-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BSI Financial Holdings, Inc.
State: OH

Complaint narrative:
We have been sent two threatening letters in regards to proof of our current & paid homeowners insurance policy. They are saying they have not received our declarations page. Myself and our insurance agent have sent all of the information to them via 3 separate XXXX they have provided. We have done this on multiple occasions between XX/XX/XXXX and XX/XX/XXXX. They are still saying they haven't received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I paid my remaining balance off on the due date. However, on XX/XX/XXXX, I was charged {$56.00} in interest. I had an overpayment of {$1000.00} that was reduced to {$940.00}. When I called to inquire about the interest charge, the agent claimed it was because the previous balance transfers incurred daily interest and could only return {$25.00} to me. I accepted although I voiced that seemed shady. On the same call, I requested my remaining overpayment to be refunded. The agent said no problem ; the money would appear in my account immediately but it will take 3-5 business days to clear from my credit card statement. 

On XX/XX/XXXX, I used the chat feature to follow up on my refund since it had not appeared in my checking account as requested. That agent told me refunds can not be transferred to an account ; a check must be mailed. I informed the agent that was not what I was told so please confirm the check was mailed. After reviewing the account and several messages back and forth, the agent claimed he did not see an overpayment or refund request ; I only had a {$25.00} credit. After further review, the agent then said the refund went back to my credit card balance. I told the agent that did not make sense, I want my refund. After nearly 45 minutes, I was then told a cash advance for the amount was transferred to my husbands account. I immediately corrected he agent and said it was not a cash advance, it was a refund for overpayment. I then asked if I fees or interests applied since it was erroneously annotated as a cash advance. The agent confirmed fees were waived since it was deposited electronically ; however, I would accrue interest. I challenged the agent on interest accrual on a refund and the agent agreed but would elevate to management. I informed him that was a fraudulent practice and to immediately close the credit card account. 

I believe the interest charged after paying the balance on the due date ( they claimed it had to be paid before the due date to avoid interest accrual ) and then processing a refund as a cash advance is an unscrupulous business practice by USAA. Also, they have slowly increasing my auto insurance monthly. For these reasons, I am reporting USAA and seeking other options for banking and insurance needs.

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 2026-01-20 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: NC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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