vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 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: TX

Complaint narrative:
I have had a Chime bank account since XXXX and had never had any problems until XXXX and XXXX of XXXX. On XX/XX/XXXX I unfortunately was XXXX and did not get out until XX/XX/XXXX. Upon release I wanted access to my Chime bank account again but I discovered that I was unable to get back in on my own. On XX/XX/XXXX I called Chime customer service and attempted to regain access to my account and was told that I needed to send a copy of my ID in order to verify my identity and gain access to my account again, I didn't have an ID at the time so I couldn't get into the account. I finally got my ID back and I called Chime customer service again on XX/XX/XXXX and ended up gaining access to my account that day and I spoke to someone from Chime three different times that day. While I was still on the phone with a customer service representative I realized that my checking account had a balance of - {$370.00} and I told this to the guy I was on the phone with, saying that I hadn't used the account for about 27 months and how could that be? I looked at the transaction record and saw that there were several pay anyone transfers in and out of my account that I had not authorized and had no knowledge of starting on XX/XX/XXXX up until XX/XX/XXXX, ending with three different transfer adjustments totaling {$390.00}. The last transaction before these pay anyone transfers started on XX/XX/XXXX was from XX/XX/XXXX and it was a declined payment for {$10.00}, I also had no income being deposited into this account when I was incarcerated. The dispute I filed on XX/XX/XXXX was denied sometime around XX/XX/XXXX and I didn't really get a straight answer as to why it was denied, I was passed around from department to department for an hour and 40 minutes until I was finally told that I could appeal the decision, which I did, and the appeal was also denied. I tried to close the account because they completely upset me and they said I couldn't until the outstanding balance was repaid. The only evidence that I was able to provide for the dispute process was a paper showing that I had been convicted to serve 2 years in the department of corrections in my state and I included my prison ID, because that was all that I had to even halfway try to prove anything. Any other evidence there was I felt that they had it right in front of them, starting with me having been a customer for five years with no issues, my transaction record, if they kept call logs they could see that I had just regained access to the account a month after the fraudulent transfers were made. Lastly, I truly can't understand how Chime allowed my account to be overdrawn or adjusted to the point where I am {$370.00} in the negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I opened a dispute with PNC on XX/XX/XXXX by the online banking for XXXX transactions made with my debit card XXXX because I returned the merchandize under the store return policy, the accepted the return and issued a full refund to the same card.

But the ammount was never posted to my account and the merchant didnt give me a solution.

I sent to the bank the original invoice, refund receipt, return slip, email from the merchant and the voided debit card voucher.

Even all of that proof the claim was denied.

I requested a second review but was closed because was opened more than 60 days since the transaction date.

It was a second review so must need to be properly handled because its not a new dispute, is the same dispute but with new evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt.

This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation.

Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Through this CFPB complaint, I am exercising my rights under the FDCPA and the FCRA. I have attached my formal validation request letter directed to Transworld Systems , Inc. This letter demands production of the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. These are the documents necessary to validate any alleged debt under federal law.

The CFPB platform provides accountability and assurance that my request is properly forwarded and that Transworld Systems, Inc is required to respond.

In addition, I request specific data to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA : a. ) The Date of First Delinquency ; b. ) The date the account was charged off ; and c. ) The date the account was acquired by or assigned to Transworld Systems , Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: MI

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account on my credit report that I do not recognize and do not believe belongs to me. 

I formally requested debt validation and proof that I am legally obligated for this account. Specifically, I requested a copy of the original signed agreement, full payment history, and proof that XXXX XXXX has legal ownership of the alleged debt. 

I have not received any documentation validating this debt. 

Despite failing to provide proper validation, the company continues to report this account to the credit bureaus as verified. 

Reporting a debt without providing validation after a written request violates my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 

If XXXX XXXX can not provide competent evidence that this debt is mine, I am requesting immediate deletion of this account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: WLCC
State: OH

Complaint narrative:
I Got an email that someone opened a XXXX loan in my name when my credit file is locked from the Public. XXXX XXXX. 
This is Fraud. I never did an application for this loan. 

Called Fox Hills Cash  XXXX For {$500.00} loan. XXXX. 

I got an email from XXXX about the cash loan XXXX XXXX. and then I called XXXX and they said only do paperwork with the credit union. They didn't stop it. XXXX XXXX yesterday. They aren't doing the job to fix it. 

I called Fox Hills Cash to stop it since I never made the XXXX. XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year> I paid my bill XXXX day late like my payment due date is XXXX and I paid XXXX bcs of my husband health condition he had XXXX XXXX in late XXXX so facing some financial problems but few days I was paying bill as routine, I am very punctual to pay my bills on time I called capital one credit card last number is ( XXXX which is capital one platinum card ) customer service onXXXX XXXX and manager wave my late fees and some hardship to not charge XXXX  months like XXXX XXXX billing cycle and he said how much you pay every month I told him I can pay as I regular every month payment like {$35.00} to XXXX $ and he said okay you can pay and dont worry your account will be updated and credit goes to your balance in XXXX but when I checked XXXX statement my minimum payment is {$57.00} I called today and asked why you guys not updated my account so the manager her name wasXXXX ID is XXXX she spoke very rude with me and she explain me you expend or use card above balance or purchase so we charge up high minimum payment amount but I said no thats not right reason you guys are cheating on me instead of late fees you charge extra money in minimum payment account manager told me you can pay {$35.00} My question is when I used {$1500.00} and they were charge minimum XXXX $ but they starting minimum charges above bcs only use again I really dont understand I am paying every month {$40.00} or {$35.00} They are making a fool to me and the lady she refused my request or complain Please take action. 
Appreciate

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: United Shore Financial Services, LLC
State: GA

Complaint narrative:
I am filing a complaint regarding inaccurate mortgage reporting that has continued despite disputes and certified correspondence. 

My mortgage with United Wholesale Mortgage was transferred to another lender. However, the tradeline continues to report that the account was XXXX  days past due even after the transfer occurred. 

When a mortgage is transferred, the prior lender must report a XXXX balance and stop reporting delinquency. Continuing to report late payment history after the transfer is inaccurate and misleading and is causing significant harm to my credit profile. 

I have already disputed this information and allowed more than XXXX weeks for investigation and correction. The inaccurate reporting remains and continues to suppress my credit score, preventing me from refinancing my vehicle and obtaining financing for my business. 

This situation represents : Failure to conduct a reasonable investigation after dispute ( FCRA 611 ) Furnishing inaccurate information to consumer reporting agencies ( FCRA 623 ) Continuing to report misleading account status after transfer Ongoing financial harm due to inaccurate credit reporting I am requesting immediate correction or deletion of this tradeline and confirmation that the inaccurate reporting has been stopped with all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX  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. 
If any of the above information is not available, please provide an explanation as to why. Additionally, I request that all collection activities cease until the requested verification is provided. This includes any communication related to the alleged debt or any reporting to credit bureaus. Failure to comply with this request may result in legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ratchford Law Group, P.C.
State: MA

Complaint narrative:
I received a letter from Ratchford Law Group Dated XX/XX/year> even though I didn't not receive the letter until late XXXX. The letter was in reference to collect a debt from XXXX XXXX in the amount of XXXX. In the letter it says if I write before XX/XX/year> and requested more information about the debt they would have to seize collection efforts until I received that information. I sent a certified letter and it shows they received it on XX/XX/year> a day before the deadline they set. Instead of receiving the information I requested I was issued a summons for small claims court. I believe I was deceived and lied to as they are suing me in small claims when they are required by law to send me the information I requested. Attorney XXXX who represents Ratchford Law group is listed on the summons.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX  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. 
If any of the above information is not available, please provide an explanation as to why. Additionally, I request that all collection activities cease until the requested verification is provided. This includes any communication related to the alleged debt or any reporting to credit bureaus. Failure to comply with this request may result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I had a bank account with Chase Bank that was closed several months ago. At the time of closure, the account had a positive balance. I was informed that the remaining funds would be sent to me, but I have not received any check, transfer, or refund. 

I have contacted the bank multiple times. They requested contact numbers for the company involved, and I provided up to XXXX different phone numbers. However, they stated that none of the numbers were valid and have not offered any alternative solution other than asking for more contact information. 

Chase Bank has not provided documentation explaining what happened to my remaining balance, nor have they provided a clear path to resolve this issue. I am seeking assistance in recovering my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This is a formal dispute pursuant to the Fair Credit Billing Act ( Truth in Lending Act, 15 U.S.C.

1666 ( b ) ) and the Fair Credit Reporting Act ( FCRA ). Upon reviewing my consumer credit report, I have identified inaccurate and misleading late payment notations which constitute a billing error as defined by federal law.

The following violations apply : 1. Failure to accurately reflect a payment or credit made on my account.

2. Errors due to computational or accounting mistakes.

3. Violation of FCRA notice requirements : Under 15 U.S.C. 1681s-2 ( a ) ( 7 ), creditors must provide a minimum of XXXX days ' notice before furnishing late payment data. 
I DID NOT RECEIVE NOTICE of any delinquency, and I dispute the accuracy of the reported late payments. Therefore, I demand the following : DISPUTED ITEM ( S ) : XXXX XXXX XXXX Account # XXXX XXXX late payment reportin

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 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Central Holdings, LLC
State: AL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX  days : XXXX. The amount of the debt claimed. 
XXXX. The name of the original creditor. 
XXXX. A copy of the agreement, contract, or other instrument that created the debt. 
XXXX. Verification that you are licensed to collect debts in. 
If any of the above information is not available, please provide an explanation as to why. Additionally, I request that all collection activities cease until the requested verification is provided. This includes any communication related to the alleged debt or any reporting to credit bureaus. Failure to comply with this request may result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

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 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NJ

Complaint narrative:
My husband went to jail. I received a call regarding a fee for an ankle monitor and he would be released. Not knowing it was a scam I paid the money. I tried to dispute this three times with the jail phone number and paperwork that the charge was fraud. No one will tell me how the charge is investigated. They say they will call, but then when the claim gets denied and I ask if the jail was called its either the will send me the information ( which never happens ) and one representative said the jail was never called.

Company response to consumer: Closed with explanation