vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2026-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 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 2026-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 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 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I opened a Chime checking account after enrolling through a new-member promotion advertised on Chimes website offering a cash bonus for receiving a qualifying direct deposit within a stated time period. 

I accessed the promotion through Chimes promotional webpage, reviewed the promotional terms, and completed the account signup process. While there was a field to enter a promo code, the promotion did not clearly disclose that entering a promo code during signup was required to receive the advertised bonus, nor did it state that failure to enter a code would void eligibility. The signup flow indicated that setting up qualifying direct deposit was the final step required to receive the bonus. 

I set up direct deposit through my employer and received XXXX qualifying direct deposits that met the stated requirements. Despite this, the bonus was never issued. 

When I contacted Chime customer support, I was given inconsistent and contradictory explanations. I was initially told that Chime does not advertise promotions on its website and that promotions are only sent via text or email. After I provided evidence of a similar promotion currently advertised on Chimes website, a XXXX stated that a promo code would have been emailed to me and that this requirement was internal information. 

I filed a complaint with the Better Business Bureau to seek resolution. Chime responded only with generic privacy and acknowledgment statements and repeatedly refused to address the substance of the complaint, provide a clear explanation, or offer a resolution, despite multiple opportunities. 

I believe this constitutes misleading promotional practices and an unfair denial of an advertised incentive after Chime benefited from account opening and qualifying direct deposits. The requirement Chime now claims was mandatory was not clearly or conspicuously disclosed to consumers at the time of enrollment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: FL

Complaint narrative:
I took out a {$500.00} loan from XXXX. Since then, XXXX has been automatically withdrawing {$100.00} from my bank account every time I get paid ( every two weeks ). This has been happening for the last 5 months. 

At this point I have paid approximately {$1000.00} total ( {$100.00} x about 10 payments ), which is double the original loan amount, yet the loan still does not appear to be paid off. The lender has not clearly explained how these payments are being applied ( principal vs. interest/fees ) or why the balance is not decreasing in a reasonable way. 

I believe this loan is predatory due to the extremely high cost relative to the {$500.00} borrowed and the repeated withdrawals tied to my pay periods. I am requesting that XXXX provide a full, itemized payment history and payoff amount, that any improper charges/fees be reversed, and that I receive a refund for any overpayment. I also want the automatic withdrawals stopped and the account brought to a fair resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
MONTEREY COLLECTION SV is falsely reporting on my credit. I have never had any accounts with them. Per my research MONTEREY COLLECTION SV 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
My direct deposit was sent by my employer. The bank did not deposit my paycheck at all and when I can then they state they dont have it even though I have confirmation from my employer they received it

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 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
They have been using harmful tactics to collect debt ; I even asked the lady on the phone where the debt is actually from she told me it doesnt matter that I can go to jail if not paid. I hung up and have been getting harassing calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase sapphire reserve card. Had a promo offer XXXX back on purchase XXXX Or more from the the shops at chase made the purchase early XXXX. Havent received promo. They keep saying they arelooking into it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I am disputing these debts and requesting validation in writing. The company has failed to provide proper verification of the debts but continues to report it to the credit bureaus as verified. 

On XX/XX/2025, I submitted a formal debt validation request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C., Section 1692g. I was only sent billing statements by Midland Credit Management, even after re-requesting complete validation two additional times following the original request. 

The amounts in question are {$1200.00} and {$1700.00}. 

I have attached the original validation letter that was sent to Midland Credit Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/year>, I filed a debit card dispute with Chime for an unauthorized charge of {$32.00} ( XXXX XXXX XXXX XX/XX/year> ). 

More than XXXX business days have passed since the dispute was filed. The dispute remains open, and Chime has not provided provisional credit. 

Under Regulation XXXX ( XXXX CFR XXXX ), a financial institution must either resolve the dispute or issue provisional credit within XXXX business days if the investigation is ongoing. 

I have contacted Chime multiple times through in-app chat and email. Chime representatives confirmed the dispute is still under investigation but have not issued provisional credit or identified any applicable Regulation XXXX exception in writing. 

I am requesting that Chime comply with Regulation XXXX by issuing provisional credit immediately or providing written justification for any claimed exception.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Collection was added to my account in the amount of XXXX asked for validation of account never received it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Respondent : PayPal , Inc . 
Product : Payments/ PayPal Credit Issue : Unauthorized transactions ; account security failure ; improper collections I am filing this complaint regarding repeated unauthorized debit attempts by PayPal from XX/XX/year> through XX/XX/year>. During this time, PayPal initiated seven unauthorized debit attempts from my linked bank accounts despite the fact that my PayPal Credit loan was current and I never authorized any automatic withdrawals from any bank account. 

These debit attempts appeared on my bank statements simply as " PayPal. '' I never provided authorization for PayPal to debit any bank account for this loan, nor was I in default or disputing the balance at the time. 

As a direct result of these unauthorized attempts, one of my accounts was driven into a negative balance, causing me to incur bank fees, a {$30.00} stop-payment fee, and and late fees from my mortgage servicer due to insufficient funds. These damages are fully documented. 

I immediately reported these transactions to PayPal. Despite multiple reports, daily monitoring, password changes, and two-factor authentication being enabled, PayPal failed to secure my account. Unauthorized activity continued while the transactions remained " under investigation. '' I attempted multiple times to remove linked bank accounts and permanently close my PayPal account. Each attempt resulted in a technical error message preventing closure. PayPal has provided no written explanation or resolution. 

I no longer wish to have any relationship with PayPal. I am seeking reimbursement of all fees and damages, written confirmation that my account is permanently closed, certification that all bank credentials have been purged, and confirmation that no further debit attempts will occur. 

Additional I would like PayPal to do a full investigation into the extent of compromise to my personal credit and other personal information which may have been compromised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
CEASE AND DESIST LETTER From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX Date : XX/XX/2026 To : PORTFOLIO RECOV ASSOC Address XXXX XXXX XXXX, XXXX VA XXXX Phone : ( XXXX ) XXXX Subject : Formal Notice to Cease and Desist All Harassing Conduct This letter serves as a formal demand that you immediately cease and desist from any and all forms of harassment, intimidation, unauthorized actions, and unwanted contact toward me. 
Your actions, including but not limited to repeated contact, unannounced visits, aggressive behavior, and/or any conduct that causes distress, interfere with my peace, privacy, and sense of safety. These actions are unwelcome, inappropriate, and unacceptable. 
You are hereby directed to : Stop all harassing behavior immediately Cease all unannounced visits or unauthorized actions Refrain from any further direct or indirect contact with me unless required by law and provided with proper written notice Failure to comply with this demand may leave me no choice but to pursue all available legal remedies, including filing formal complaints, seeking a restraining order, and/or taking civil legal action to protect my rights. 
This letter is sent without waiver of any legal rights or remedies, all of which are expressly reserved. 
Please govern yourself accordingly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint because there are inaccurate or unverifiable items being reported by the XXXX major credit bureaus. I am requesting a full investigation and correction/removal of these items as required under the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Experian ( XXXX ) : Account XXXX : Account Name : XXXX Account Number : XXXX Inquiries Experian ( XXXX ) : Inquiry XXXX : Company Name : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Issue : This inquiry was made without my consent or authorization. I do not recall giving permission for this inquiry, and I request that it be removed from my credit report. 

Action Requested : Please investigate and remove this unauthorized inquiry from my credit report. 

Date Reported : XX/XX/XXXX Amount : {$7800.00} Issue : The status or balance reported for this account is potentially inaccurate. Please review the information for correctness. 

Action Requested : Please investigate and verify the details of this account. If any inaccuracies are found, I request that the information be corrected or removed. 

Account XXXX : Account Name : XXXX XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Amount : {$0.00} Issue : The balance reported for this account seems to be incorrect or inaccurate. Please verify the current status of this account. 

Action Requested : Please verify and correct the balance if there is any mistake in reporting. If this account shows a balance incorrectly, I request it to be corrected or removed. 

Account XXXX : Account Name : XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Amount : {$130.00} Issue : This account is potentially inaccurate. I request that you investigate this matter to verify if the account information is correct. 

Action Requested : Please investigate and correct any inaccuracies in this account 's reporting.

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 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am a card holder with Capital One and the company had requested I send past XXXX months bank statements XXXX days ago and the card has been locked until a document verification team looks at it and still no call after being told they would call me the same day and to be expecting a call. My family and I are leaving for a trip and intend on using the card and all the company keeps telling me is wait for a call and now it has been too long. if it is as simple as looking at my documents to verify i am who i am after sending XXXX  days ago. I need help immediatly and fast.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
Mohela has had my loans at " no payment due '' for XXXX  months. Suddenly today they show a past due amount for the XX/XX/year> payment that I happened to see because I log into my account nearly every day since they don't mail me anything, I have to check my account every day to see what they are doing to my loans. I paid the amount due, and submitted yet another PSLF form for my XXXX PSLF payment. I also requested to be able to pay my other loans but Mohela keeps them in forbearance. I believe this is a scam to make people go into default, without their knowledge and to prevent rightful PSLF discharge. When I submit my PSLF form, it forces me to select " no, I do not have XXXX payments '' even though I now have XXXX. It's disgraceful what is being done to people and the extreme stress this is causing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I am disputing a debt collection attempt by Collection Bureau of America regarding a traffic fine allegedly issued by the Municipality of XXXX, XXXX ( XXXX XXXX XXXX XXXX ), related to a XX/XX/year> violation. 

I was never properly notified of the original fine. I only received a collection letter from an Italian law office in XXXX XXXX years after the alleged violationwith no proof of prior delivery or certified notice, as required under XXXX and XXXX law. 

I formally disputed the validity of the debt with the Italian law firm, citing lack of service, and they acknowledged the issue by reducing the amount from over XXXX to XXXX. I again rejected the claim unless they could prove proper notification. 

Without responding to my objection or proving service, they escalated the matter to a XXXX debt collection agency, who is now demanding {$750.00} and threatening further action. 

This amount includes inflated fees and appears to violate the Fair Debt Collection Practices Act ( FDCPA ). No legal basis has been provided to support the debt transfer to a XXXX collection agency. I believe this attempt to register and collect a foreign administrative fine in the XXXX without due process is unlawful and deceptive. 

I request that this collection be halted, the debt invalidated, and that any attempt to report it to XXXX credit agencies be blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief