vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
I closed my card XX/XX/year> and I requested all payments made with this card due to a fraud incident that occurred before on the card which drove my balance beyond its actual useage I understand interest and fees may apply but I want to see why I had a balance I couldnt find the card because I rarely use it and I also requested a new one to see get to log in since I need the last 4 of the card number to log in and inside the portal is no way to check if all spending is accounted for buy the owner very suspicious and odd because there no way to see if the card was again breeched or fraudulently used I call today to set up a payment and to get hel with the interest accumulated and they hung up on my after I was transferred from lost or stolen department I cant get a new card because the account is closed so now in between I was getting calls to pay up in between closing in XX/XX/year> and this month which sometimes they hang up or take long to transfer or pick up after calling me driving up interest and not allowing me to pay what I owe and to verify my purchases at this point Im in there loop of interest mining and its feels like Im stuck to beg them to help n if they hang up its another month even after reporting my credit as default they still call and use weird tactics for interest so I indeed want to question my usage of the account but cant so my credit is dropped and they want pay .. punishment for accepting this Verve card from Continental finance company , LLC

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 — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
A Collection of ( {$3500.00} ) from Jefferson Capital was added to my credit report on XX/XX/year>. 
This is debt is not mine at all. This was a result of fraud years back. This has already been disputed & removed a handful of times but keeps hitting my credit report every few months. Im tired of this happening since this debt is not my responsibility at all and has well this debt buyers keep harassing this debt is mine.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Since XX/XX/XXXX, I have been attempting to resolve a clear case of identity theft with TransUnion, and they continue to violate multiple provisions of the Fair Credit Reporting Act ( FCRA ). Despite receiving a valid Identity Theft Report filed with the Federal Trade Commission, TransUnion has repeatedly refused to accept it and has unlawfully continued to report a fraudulent tradeline on my credit file.

I have submitted multiple disputes, all supported by the required documentation under FCRA 603 ( q ) and 605B, yet TransUnion continues to deny my disputes and issue improper verified results. Their actions constitute a direct violation of FCRA 605B ( a ), which mandates that a consumer reporting agency must block information resulting from identity theft within four business days after receiving : - A valid Identity Theft Report - Proof of identity - Identification of the fraudulent information TransUnion has failed to meet this statutory requirement for more than a month, despite being in possession of all required documents since XX/XX/year>. Their refusal to block the fraudulent tradeline is not only negligentit is unlawful. 
Additionally, I submitted disputes to the furnisher, XXXX XXXX XXXX, as required under FCRA 623 ( a ) ( 8 ). They have failed to respond to any of the disputes, which is itself a violation of their obligations as a data furnisher.

I am requesting that the CFPB intervene to ensure that TransUnion complies with federal law. Their continued reporting of fraudulent information, their refusal to honor a valid Identity Theft Report, and their repeated issuance of improper verified results demonstrate systemic noncompliance with FCRA 605B and 611. I am seeking immediate enforcement action to compel TransUnion to block and remove the fraudulent tradeline without further delay.

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: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I auto pay my mortgage XXXX  without any notice my mortgage went up $ XXXX a month with Freedom Mortgage. I finally was told its because they made XXXX payments XXXX  home owners XXXX  flood insurance but XXXX  XXXX different companies XXXX  told me I had XXXX  reach out for refund. When I called companies XXXX said they were absorbed into the XXXX policy so they dont owe me, so I called back again. They couldn't tell me who they paid but paid a XXXX flood insurance company that I never applied XXXX XXXX which put my escrow in a negative. I have reached out, asked them XXXX  fix so they aren't double billing me on my mortgage XXXX  no response so it will be my XXXX  month paying XXXX what I actually owe. Freedom Mortgage is trash!

Company response to consumer: Closed with explanation
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:
My Chime bank account was charged over time many fraudulent charges that said it was XXXX. However, when I contacted XXXX the representative said that the dates and amounts charged didnt match with what they had on file. So I have disputed these charges several times and chime keeps denying the claim. XXXX has sent over documentation showing proof the charges are different from what they have on record. But Chine continues to deny my claim for the fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
I FILE XXXX XXXX I HAD CHIME ACCOUNT I GOT PAID ON THE XXXX MY WHOLE WENT TO CHIME, THE NEXT DAY ON THE XXXX CHIME CLOSED MY WHOLE ACCOUNT NO WARING NOTHING I WENT TO PAY BILLS MY MONEY WAS GONE I COULD NOT LOG INTO THE ACCOUNT COULD NOT USE ATM NOTHING ALL I COULD DO WAS CALL THE TO FREE NUMBER THEY SAID THEY CLOSED IT BUT THEY TOOK THEIR MONEY MONEY OUT BECAUSE I HAD A CASH ADVANCE AND I WAS OK WITH THAT ALSO BUT I HAD A BALANCE LEFT OF XXXX AFTER THEY TOOK THERE MONEY AND NOW SOME GUY SAID I CAN NOT GET THE REST OF MY CHECK BECAUSE I FILE XXXX XXXX  IT WAS MY MONEY THAT I WORK FOR I HAVE NEVER HEARD OF ANYONE BEING ABLE TO TO KEEP SOMEONES CHECK THAT IS A SCAM AND FRAUD TO BE ABLE TO KEEP SOMEONE MONEY I CANT PAY MY BILLS OR BUY FOOD HAVING TO GET HELP FROM EVERYONE ELSE UNTIL I GET PAID AGAIN

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Complaint Against : Capital One, XXXX XXXX, XXXX XXXX High Yield savings account, All Major Banks I am filing this complaint because I have been unable to open a bank account with this institution despite no valid explanation being provided. 

On XX/XX/XXXX, I attempted to open a checking account. My application was denied/ restricted without clear reasoning. I was either told verbally that I did not qualify or informed that there was an issue, but I was not provided with written documentation explaining the specific reason for denial. 

I have the right under the Fair Credit Reporting Act to know if a consumer reporting agency such as XXXX or XXXX XXXX XXXX was used in making this decision. If a report was used, I request a copy of the report and the specific reason for denial. 

If this decision was based on incorrect or outdated information, I request that it be investigated and corrected immediately.

I am seeking : 1. A clear written explanation for the denial.

2. A copy of any consumer report used in the decision.

3. Reconsideration of my application if the information is inaccurate.

I would like this matter resolved as soon as possible. 

Sincerely, XXXX XXXX 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 with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ROBINHOOD MARKETS INC.
State: NV

Complaint narrative:
I hold a Robinhood Credit Card till now. They told the resolved the dispute in my favor bit instead of removing the charge the reapplied the charge in my account and it's now showing in the balance. 
Dispute resolved The dispute was resolved in your favor. You were credited the full purchase amount. 
Merchant : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Usd Amount : {$11000.00}

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 falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting XXXX  my credit file XXXX  is against my rights XXXX  fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

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: Chime Financial Inc
State: FL

Complaint narrative:
On Sunday XX/XX/year> I went to a XXXX XXXX XXXX atm around XXXX XXXX so that I can withdrawal {$490.00} to pay rent. I entered the card and interest my pin into the ATM so that I can access my account. I typed in {$490.00} because the XXXX XXXX XXXXXXXX ATMs let you pull money in increments of {$10.00} - {$100.00}. I pressed the button to confirm the withdrawl and the machine said processing on the screen and then it told me to take my card which I did. It then started to make the ATM noises as if it was going to dispense money and the screen changed to take your cash but the door that opens to take the cash never opened at all after about XXXX seconds of waiting for the part to open so that I can take my money out and noticing that there was a problem and it wasnt opening, I pulled out my phone and took a picture of the screen and then I walked back to my car and open the Chime app to see if the money was taken from my account since it was not dispensed and it was so I contacted chime immediately to dispute the transaction. I really need this money for my rent. I didnt do anything though. This is an ATM error. I contacted XXXX XXXXXXXX XXXX the following day on Monday, XX/XX/year> and was told that I needed to contact chime which I already did!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
In XXXX, I received a {$1000.00} transfer from XXXX XXXX into my Chime account. The transfer was completed successfully and funds were made available and spent later. 

XXXX XXXX later initiated an ACH return/chargeback for the {$1000.00}, which Chime processed by debiting my account, resulting in a negative balance. 

XXXX subsequently cancelled the dispute and removed provisional credit. However, Chime did not restore the {$1000.00} after the dispute was cancelled. 

I have not been provided : The XXXX XXXX number Documentation of where the returned funds were sent Confirmation whether funds are held in a suspense or settlement account Proof that funds were returned to XXXX XXXX after cancellation If XXXX cancelled the dispute, the ACH return required reconciliation. Chimes failure to restore funds or provide settlement documentation has resulted in a {$1000.00} loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: MO

Complaint narrative:
On XX/XX/year> my fianc and I ( who are both on the home loan ) sent the requested amount of {$13000.00} by wire transfer/bill pay to XXXX which was the amount good for reinstatement since I was in active foreclosure. We messaged them on secure message via their website and was told that they received it via wire transfer and it wasn't the correct amount although it was the correct amount until XX/XX/year>. They just didn't process it until after XX/XX/year>, and then threw an additional XXXX dollars in lawyer fees on to what we owed and said that we would receive a new reinstatement amount. We did pay the additional amount because we don't want to lose our home. but requested that they refund the additional XXXX dollars or apply it to future payments and they are not cooperating.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NM

Complaint narrative:
I previously disputed this alleged debt and requested proper validation. In response, Aldous & Associates provided copies of declined credit card transactions and a copy of a membership agreement.

However, I was not aware that I had entered into a binding installment contract with recurring bi-weekly obligations, nor was I made aware of the specific cancellation or renewal terms at the time. I did not utilize the membership services.

Providing declined transactions does not validate that I knowingly agreed to the specific billing structure, nor does it establish how the total balance of {$460.00} was calculated.

The company has still failed to provide : A complete itemized accounting of how the balance was calculated Clear evidence that the contract terms, renewal terms, and cancellation policies were properly disclosed Documentation showing how the alleged breach occurred Proof of their authority to collect I dispute this debt in full. I am requesting either proper validation with a full accounting and contractual proof of informed agreement, or that this account be withdrawn and collection efforts cease. 

Furthermore The company claims that I electronically signed a membership agreement. However, they have not provided a copy of any document bearing my electronic signature, nor have they provided an electronic audit trail demonstrating intent, authentication, timestamp, IP address, or ESIGN Act compliance.

Simply providing a generic agreement and copies of declined card transactions does not validate that I knowingly and electronically executed a binding installment contract.

They have failed to provide : A copy of the electronically signed document bearing my signature Electronic signature authentication logs Proof of ESIGN consent A full itemized accounting of the {$460.00} balance Documentation showing how the alleged breach occurred Declined transactions alone do not validate a debt.

Until proper validation compliant with federal law is provided, this debt remains disputed.

I request that this account either be properly validated with complete electronic signature evidence and itemized accounting, or that collection efforts cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
case # XXXX I received qty 4 - 1099-NT forms from Wells Fargo for Interest income of XXXX, which was a courtesy credit provided to me for the loss of my XXXX, wire transfer for 36 days. Each document as its own unique Account number : XXXX XXXX XXXX XXXX I called Wells Fargo when I received the statements to find out why I am being charged interest on courtesy credit and number 2 why Wells Fargo would file 4 separate tax documents to the IRS. The person on the phone stated that I would have to go into my local branch to get this resolved. 

On Saturday, XX/XX/XXXX we ( husband and I ) went into the Branch and spoke to XXXX XXXX, she called your tax dept while we waited and they stated that they do not see record of these documents in your system, and they were basically no help either. 

She sent it an escalated request on our behalf ; I received an email on XXXX stating that my case was assigned and that Wells Fargo would contact me within 10 business days. 

Then today on XX/XX/year> I received a message via email with a canned and bogus response to my inquiry that my case was closed, why? I hadnt even spoken to the case worker. 

XX/XX/year> - I called to try and locate the case worker assigned XXXX XXXX and was told I would have to call XXXX, when you call this number no one picks up the phone and the voice mail states you can not leave a message, goodbye. 

XX/XX/year> = 3rd phone call to XXXX, I spoke to XXXX, explained the entire chain of events to him and he stated that the only thing he could do was to enter another case. I explained that if I do not get a case worker assigned by COB Friday XX/XX/XXXX, that on Saturday I will remove all of my money from your bank. He set up another case # XXXX. 

XX/XX/year> I called the bank branch back and spoke to XXXX XXXX, I explained my frustration in that my case was closed and no one called me to understand why the case was opened, she said she would follow up with her Manager tomorrow. 

It is now XX/XX/year> and I have yet to hear from any case worker. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX

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: TrueAccord Corp.
State: FL

Complaint narrative:
TRUEACCORD XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research TRUEACCORD 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 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: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XXXX XXXX XXXX we orders airline tickets via XXXX. Citi cart received charges for two transactions XXXX {$130.00} pending XXXX {$170.00} pending as was shown on City cart our online account On XX/XX/XXXX Citi cart transaction shows XXXX {$130.00} still pending XXXX XXXX changed {$350.00} instead of {$170.00} After I called City credit cart, representative advices me to call XXXX XXXX itself. 
My concern is why amount for XXXX {$130.00} still pending. Will amount be changed after final posting on city credit cart similar to amount changed from {$170.00} to {$350.00} for XXXX XXXX ticket?

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: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXX I had discussion with XXXX XXXX ( Truist Bank ) regarding an Equity Line of Credit. Everything we discussed which included what was needed ( insurance, trust documents, etc. ) was met XXXX  satisfy the approval of the XXXX. In XXXX of XXXX the XXXX was approved for {$120000.00}. I did not start borrowing against that line until XX/XX/XXXX. On XX/XX/XXXX, I was notified by their letter asking me for proof of wind insurance coverage. ( Apparently this was their XXXX  XXXX  final notice. I never received the XXXX  notice ever. ) The notice stated that if I did not submit proof of wind insurance, their cost XXXX  buy it for me would be {$8400.00}, You can't XXXX the shock that I felt. I called them in XXXX XXXX  I discussed with XXXX of Truist XXXX department, that I did not know nor was I ever requested XXXX  have wind insurance. In my discussions with XXXX XXXX via email I asked if wind insurance was required XXXX  if it was I would not do the XXXX ; the reason being because in the XXXX home community which I reside I am covered through the association for certain hazard damages. ( I have a copy of that email ). The XXXX was approved so I assumed everything was in good standing XXXX  I never received any notice in XXXX, XXXX and XXXX. I immediately contacted my insurance agent and discussed purchasing a wind policy but I XXXX  had XXXX  obtain a XXXX point inspection of the home, This took scheduling XXXX  it's not done overnight. Before my agent was able XXXX  submit proof of hazard insurance a letter dated XX/XX/XXXX was sent XXXX  my advising me of a Lender-placed wind insurance in the amount of {$8400.00}, My policy through my agent was issued in the amount of {$1600.00}. After submission from my agent on XX/XX/XXXX Truist issued a credit of {$6300.00} leaving me with a balance due of {$2000.00} which they claim was for the XXXX month period that I did not have hazard insurance for the current year.... this is an outrageous amount for XXXX  months when my actual policy for the year is {$1600.00}.

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