vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
On XX/XX/2026 at approximately XXXXXXXX XXXX XXXX Time, I called Fair Collections & Outsourcing at XXXX to discuss and attempt to negotiate an alleged debt. 

During the call, the representative, who identified himself as XXXX, stated that in order to see what negotiation options were available to me, I would first have to dispute the collection. 

XXXX then stated that I would be required to pay a {$1.00} fee in order to do this dispute. 

I informed him that I had already disputed the collection through the credit reporting agencies. XXXX stated that this did not matter and that the dispute he was referring to was different from a credit bureau dispute ( including XXXX XXXX ). He stated that paying the {$1.00} fee and submitting this dispute was the only way to see what negotiation options were available. 

When I told him that I would need to call back because I felt uneasy about being required to pay a fee in order to dispute or access negotiation options, the representative disconnected the call. 

I did not authorize or make any payment. 

I believe it is improper to require payment in order to dispute a debt or to condition access to negotiation options on payment. No free dispute option was offered during the call.

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 2026-01-13 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: Credit Karma, LLC
State: AZ

Complaint narrative:
Credit Karma displayed a XXXX XXXX credit card offer stating that I was guaranteed a {$1500.00} credit line if approved. I relied on this statement when applying for the card through Credit Karmas platform. 

After approval, XXXX XXXX issued a credit limit of only {$500.00} and later stated that the guaranteed credit line was not part of the offer attached to my application. This indicates that the offer presented by Credit Karma may not have accurately reflected the issuers actual approval terms. 

If the credit line was not truly guaranteed, this should have been clearly disclosed before application. As presented, the offer influenced my decision to apply and resulted in a materially different outcome than advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
Customer service won't respond to phone or email. TD 's response is to " use the online message portal '' but after I filed a complaint about another issue they have removed the entire message portal from my account, revoking my access. It's pretty criminal for a major bank to block all communication lines and then specifically target a customer who calls them out for their wrongdoings by blocking the individual message line through the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
On XXXX XXXX, I applied for {$7000.00} from SOFI with my XXXX  a cosigner. I was immediately informed that I didn't need a cosigner. I reapplied on my own and was approved. I went to the website and uploaded all of my financial documents. On XX/XX/XXXX, I checked the website and saw that now I needed to verify employment. My job sent over the form the same day and I thought the process was over. I was informed that the application was now in XXXX XX/XX/XXXX, I was now informed that my income didn't match their records. They had keep the income information from the previous application with myself and my cosigner. I stated that they needed to change this information in their system and put in my correct income. Each time I would call I would ask if the information from my call were being documented. They assured that they were, they were not. They never did, change the incorrect information. The supervisor stated that they couldn't override the information in their system. He stated that I had to reapply for the loan with a cosigner or do it again by myself. I would also have to upload all the documents again. This was their error. I canceled the loan and informed them that their services were poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: FL

Complaint narrative:
On XX/XX/year>, I placed an online order with Best Buy totaling {$710.00}. The order was later marked as delivered, but I never received the package. 
After noticing the non-delivery, I contacted Best Buy multiple times and requested proof of delivery. The merchant was unable to provide any delivery photo, signature confirmation, or XXXX-based evidence showing the package was delivered to my address. 
I then filed a billing dispute with Citi Bank, the issuer of the Best Buy credit card, stating that the merchandise was never received. I fully cooperated with the dispute process and provided all requested information. I also filed a police report regarding the non-delivery on XX/XX/year>. 
Despite this, Citi Bank denied the dispute, stating that the product was delivered, without providing any verifiable evidence that the package was delivered to me or my address. No explanation was given regarding the lack of signature or delivery confirmation. 
As a result, I am being required to pay monthly charges for merchandise I never received. I am requesting a proper reinvestigation of this dispute and either documented proof of delivery or reversal of the charge

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 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
Crypto.com has delayed and refused to provide status on my funds for over a week. Support only sends vague stalling messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I was the victim of authorized push payment fraud through XXXX involving a XXXX XXXX seller. The seller misrepresented the sale, accepted payment, failed to deliver the item, and continues to actively list new items and respond to new buyers while ignoring me. I filed an XXXX report and reported the scam to XXXX. 
Citizens Bank denied my claim incorrectly as a dispute, even though this is a fraud case involving deception. I also discovered that Citizens recorded the transaction with the wrong date ( XX/XX/XXXX instead of the actual transaction date ), which likely contributed to the denial. I am requesting a proper fraud investigation under Regulation E and correction of the transaction details.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to dispute the fraudulent XXXX account number XXXX, which is incorrectly reported on my credit report with a balance of {$3500.00}. 

Per 15 U.S.C. 1681i, I am entitled to dispute any inaccurate or unverifiable information on my credit report. The account shows a past due balance that can not be correct for a collection account. Furthermore, it shows a closure date of XX/XX/year>, and yet still reports late payments, violating consumer laws. 

This fraudulent account is having a serious impact on my credit score, and if not corrected promptly, I will have my attorney and litigation team reach out to Experian to address these inaccuracies. Additionally, I have filed a report with the FTC regarding this matter. 

I request an immediate investigation of this account and await your confirmation of receipt of this dispute. 

Thank you for your immediate attention to this serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Opportunity Financial, LLC
State: IN

Complaint narrative:
Subject : Debt Validation Request XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Account Number : XXXX  To Whom It May Concern, I am writing in response to your recent communication regarding the account referenced above. This letter is a request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I dispute this debt and request that you provide proper documentation to verify that I am legally obligated to pay it.

Please provide the following : the amount of the debt with an itemized breakdown ; the name and address of the original creditor ; a copy of the original signed agreement or contract showing I agreed to this debt ; a complete payment history ; and proof that your agency is legally authorized to collect this debt in my state. Please also provide documentation that this debt has not exceeded the statute of limitations.

During the investigation of this matter, all collection activity must cease, including reporting to or verification with any credit reporting agency. If this account has already been reported, you must immediately mark it as disputed.

If you are unable to provide the requested validation, you must delete the account and cease all collection efforts. Failure to comply will be considered a violation of federal law.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
Hello, my mother passed away recently. She has {$280000.00} in a single savings account. I submitted the proper information to them. They sent two checks to me, one for {$5100.00} which went through and cashed, the second check for {$280000.00} they will not honor and says the account is closed and the check was paid. It was not paid to XXXX XXXX  where I deposited it.XXXX XXXX has run the check twice and it comes back with unable to locate the account. The checks were delivered on XXXX XXXX XXXX XXXX. The account total balance was {$280000.00} when they closed the account. I have been trying to find resolution with them since XX/XX/year>. They are unresponsive and have not contacted me one time. I have submitted a fraud report with them and have received no response. 
Thank you much, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I never had any line of credit with this company ( LVNV FUNDING LLC ), so they tried to sue me, so I disputed the debt with a debt validation letter ( Attached ). They never responded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TN

Complaint narrative:
I was defrauded by online casinos who claimed to be legal and abide by gaming laws and regulations set forth by the state. But tn attorney general made public his results of his investigation stating over XXXX sites have been found to be illegal and in violation of several consumer protection laws. They rigged their games with no possibility to win. So I contact the merchant bc I didnt pay for a duck shoot at XXXX XXXX fair. I was blocked and all money I had was stolen by the b merchant. So I contact chime to request a dispute of all charges made to these gaming sites dating from XX/XX/year> thru XX/XX/year>. Chime responded a fee house later to inform me that they didnt see any issues with the transactions. This is over {$5000.00} that was taken fraudulently and they dont see a problem with that? I appealed and chime requests me to send them evidence to support my claim. XXXX first of all, lets get on the same legal page. The only thing I need to produce is the claim. By law, it is the merchant who has the burden of proof. Not me. Chime is supposed to collect evidence from the merchant to show that they acted legally, and provided the service honestly without any deception. Chime never conducted an investigation. I have requested multiple times for them to send me the facts to support their illegal decision. They refuse to provide me with that information. I appealed and they denied my appeal minutes after I filed. Im beginning to think that Chime is operating deceptively by taking customers disputes and systematically denying each claim and recovering the money for their own gain. Its embezzlement and they need to follow the law and recover my money. Chime seems to think that they can make decisions regarding my money. Absolutely not! I instruct them to initiate a chargeback and thats what they should do. If the merchant has a problem then they can come to me. I need help recovering my money from chimed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2026-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Cliff Lending Inc. d/b/a Advance Loan Solutions
State: CA

Complaint narrative:
Constant harassment calls threats of XXXX retaliation. Tribal loans given to me without knowledge they are illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
I had a loan taken out in my name through affirm {$2500.00} through XXXX XXXX. I never received any funds from this loan or authorized it. I was told by affirm I could not dispute the item it was past the cut off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/2026, I initiated a payment of {$11000.00}. This payment was later returned due to a processing issue. My account balance correctly reverted to approximately {$15000.00}. However, on XX/XX/2026, Robinhood applied an additional " Adjustment '' charge of {$11000.00} for the same returned transaction. My total balance is now {$26000.00}. This is a clear mathematical error and a duplicate reversal of the credit. The app provides no way to dispute internal adjustments, and support has failed to provide immediate correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My personal information was compromised and not rectified by Navy Federal Credit Union, resulting in a fraudulent charge of {$480.00} appearing on my credit report from XX/XX/year>, account number XXXX and routing number XXXX, which has caused significant hardship and stress in my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I worked with a Private Client Banker at the Chase branch located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX to close the savings and checking accounts of a deceased customer. At the beginning of XXXX, I provided the require

d Personal Property Affidavit and the death certificate so the accounts could be closed and the remaining funds issued to me. I was informed that the check could take up to two months to arrive by mail. Since I never received the funds, I returned to the branch and was told that the process had been mishandled. I was assured I would receive a followup call within seven business days. No one has contacted me. I have left multiple voicemails and sent emails directly to the banker without any response. I have also filed an internal complaint with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Torres Credit Services, Inc.
State: IL

Complaint narrative:
TORRES CRDIT- is falsely reporting on my credit. I have never had any accounts with them. Per my research TORRES CRDIT- 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 2026-01-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
To Whom It May Concern, Reference : Previous CFPB Case # XXXX ( closed ) I am submitting this complaint regarding JPMorgan Chase Bank , N.A.s continued refusal to release funds to which I am legally entitled as the surviving spouse and Payable-on-Death ( POD ) beneficiary. 
Previously, when Chase demanded Letters XXXX, I submitted a complaint to CFPB ( XXXX # XXXX ) explaining that probate is extremely expensive and not financially feasible for me. That case was closed, but XXXX has still refused to release the funds. This complaint provides additional details and requests a lawful resolution. 
The funds at issue originated from a Chase Certificate of Deposit ( CD # XXXX ) titled Individual POD, naming me as beneficiary. The XXXX matured on XX/XX/year>. My husband, XXXX XXXX XXXX XXXX, requested that the proceeds be issued as a cashiers check payable to himself. Chase issued the cashiers check on XX/XX/year>, in the amount of {$30000.00}. He passed away before he could negotiate the check.

Chase is asserting that because the cashiers check was payable to my husband, probate documents ( Letters Testamentary or equivalent ) are required. However, the funds originated from a POD account that passes outside probate under Texas law. The issuance of a cashiers check does not extinguish the POD designation or convert non-probate assets into probate assets. 
I have already successfully transferred my husbands funds to my account using a Texas XXXX XXXX XXXX. If Chase believes additional documentation is necessary, I am willing and able to execute one additional XXXX XXXX XXXX. I can not, however, afford thousands of dollars for probate or probate-equivalent legal instruments. 
I am a XXXX, XXXX XXXX with limited financial means. Chases continued insistence on costly probate documents for POD funds has effectively denied me access to money that I am legally entitled to receive. 
I respectfully request CFPBs assistance in requiring Chase Bank to release or reissue the cashiers check to me as the lawful POD beneficiary, or at minimum, to accept a XXXX XXXXXXXX XXXX XXXX instead of imposing unnecessary and expensive probate requirements. 
I am prepared to provide all supporting documentation upon request. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I have submitted disputes about this matter to the credit bureaus. I have contacted the debt collector and asked for proof that this debt is owed. I have asked for original contract with signature, amounts owed, and payment histories. Credit bureaus disputed with are XXXX XXXX XXXX The debt appears on my credit report as charged off, with XXXX balance. They keep validating the debt. The collection agency Midland Credit Management, has never sent information requested.

Company response to consumer: Closed with explanation