vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 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: MO

Complaint narrative:
I was working, and when we I got onto my break, I checked my phone, I saw a notification for XXXX . It was made without my knowledge or permission, Ive contacted chime support, about it was fraud. As it was not me. They denied my claim. But it was clear fraud. I am requesting yall to investigate. And hopefully get my money back. As Im already struggling, but they debited my claim. Even though I did 100 % not make that charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
In early XX/XX/year> my phone was stolen and I no longer had possession or control of my device. Shortly after, my Cash App account was accessed without my authorization and an unauthorized transfer of {$440.00} was sent to the cashtag XXXX  XXXX. I did not initiate, approve, or consent to this transaction. I immediately reported the account takeover and unauthorized transfer to Cash App and submitted a dispute. Cash App denied the dispute and I submitted an appeal. Cash App then denied the appeal and stated the decision was final, without addressing that the transaction occurred after my phone was stolen and without providing evidence that I authorized the payment. I requested an explanation and documentation supporting their denial but did not receive a meaningful investigation or justification. This was an unauthorized electronic fund transfer resulting from account takeover. I am requesting reimbursement of the {$440.00} and correction of my account records.

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 is not yours
Company: The Bureaus, Inc.
State: NY

Complaint narrative:
I am disputing this account because I NEVER received the merchandise associated with this charge. 

This was a XXXX XXXX transaction from XX/XX/XXXX that I immediately disputed with XXXX XXXX. XXXX XXXX issued a temporary credit but later reversed it claiming the merchant provided delivery confirmation. However : There is NO signature proof No confirmation the package was delivered to my address No proof I personally received anything I never authorized anyone to accept this package I never received the merchandise I attempted to resolve this but was ignored XXXX XXXX later sold this debt to Bureaus Investment Group in XX/XX/XXXX. XXXX XXXX even confirmed they are no longer reporting this account, yet the collection agency continues to report it on all credit bureaus. 

This collection agency has NOT provided validation of this debt including : Proof of ownership Original signed contract Delivery signature GPS scan Name of recipient Chain of custody They are reporting unverifiable and inaccurate information which violates the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a secured email from Bank of America Resolution XXXX XXXX XXXX stating that a final response letter was attached. The attached PDF titled XXXX XXXX XXXX XXXX did not open and contained no readable content. As of today, I have still not received the substance of XXXX  XXXX XXXX response. 

This is a repeated pattern in my case. Bank of America consistently claims that responses were sent on specific dates, including XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX, yet I either receive nothing or receive unreadable attachments. Despite these claims, Bank of America continues to tell the CFPB that my issues have been addressed. 

Because the attachment does not open, Bank of America has once again failed to provide a substantive response. I still do not have a clear explanation for the denial of a checking account at the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX around XX/XX/XXXX. I also do not have verifiable proof of delivery for the responses Bank of America claims to have sent. 

This behavior prevents me from meaningfully reviewing or responding and creates the appearance of compliance without actual communication. I am requesting that the CFPB require Bank of America to provide the response content in a readable and verifiable format, explain the repeated failures in delivery, and address why inaccurate statements about completed responses continue to be made.

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: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I contacted my credit card issuer in early XX/XX/year> to confirm the terms of a promotional balance. I was explicitly told by a representative that as long as I paid my full statement balance by the due date ( XX/XX/year> ), no interest would be charged. 

I relied on that information and paid the full statement balance of {$5000.00} on the due date. Despite this, the issuer posted {$64.00} in interest, stating that the promotional rate expired on XX/XX/year>. 

I contacted the issuer twice after the charge appeared, explained that I relied on incorrect information provided by their representative, and requested removal of the interest. Both requests were denied. 

I am requesting reversal of the interest charge due to misrepresentation by the issuers representative and reliance on that guidance in good faith.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I tried to use the services of XXXX  to make online transactions but was denied on multiple occasion. I used different amounts of {$50.00} or {$100.00} or {$500.00} to deposit into my account from my banking account. I used the same amounts from someone else 's account to deposit into my account and was still denied the opportunity to deposit {$50.00}, {$100.00} and {$500.00} into my account. The same has occurred for my personal and business accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Central Research Inc
State: NC

Complaint narrative:
I am submitting this complaint regarding my XXXX  student loan account serviced by XXXX. 

Background : My loans were transferred to XXXX, and during the transfer and afterward, I experienced ongoing technical issues accessing my online account. Specifically, XXXX website would not allow me to move forward beyond a particular screen, preventing me from logging in, viewing account details, or making payments. This occurred from XX/XX/XXXX through XX/XX/XXXX, and the issues persist to this day. 

Actions Taken : On XX/XX/XXXX, I sent a message to XXXX requesting retroactive administrative forbearance and correction of delinquency reporting for the XXXX period. I was unable to screenshot this initial message. I was able to capture a screenshot of CRIs response, in which they acknowledged my request but refused, claiming they can not remove reporting if it was accurate. 

During this chat session, the system froze and logged me out again before I could complete the conversation. 

Issue : The delinquency reporting for XXXX XXXX was caused by servicer-related access issues, not a refusal or neglect to pay. My account is currently fully up to date, with all payments made on time. Under the Fair Credit Reporting Act ( FCRA ), XXXX, as the data furnisher, is responsible for ensuring that information reported to the credit bureaus is accurate and complete. Reporting delinquencies that resulted from servicer system failures is inaccurate. 

Request : XXXX. Apply retroactive administrative forbearance for XXXX XXXX. 
XXXX. Correct any delinquency reporting caused by these system access issues. 
XXXX. Provide written confirmation of actions taken. 

Supporting Documentation : Screenshot of XXXX chat acknowledging my request and refusal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I timely disputed the alleged debt in writing and demanded strict validation pursuant to 15 U.S.C. 1692g ( b ). My dispute was submitted through the CFPB, transmitted directly to XXXX XXXX XXXX XXXX XXXX and acknowledged by XXXX in its written response. 

Despite receipt of my written dispute, XXXX failed to provide any legally sufficient validation. Specifically, XXXX did not produce a signed contract or financial responsibility agreement, itemized medical billing, insurance billing records or EOBs, a complete accounting ledger, proof of assignment or authority to collect, HIPAA authorization or Business Associate Agreement, or any disclosure regarding cancellation of debt or IRS Form 1099-C. 

Instead, XXXX relied on bare assertions that records allegedly exist, that the creditor substantiated the balance, and that a consent to treat is allegedly on file, without producing any documents. Such statements do not satisfy the validation requirements of the FDCPA. Validation requires production of competent evidence, not unverified claims. 

XXXX further asserted that no direct dispute was received. The FDCPA does not require a direct dispute, a specific address, or any particular format. The statute requires only written notice to the debt collector, which XXXX received and acknowledged via the CFPB. XXXX can not acknowledge receipt of a written dispute, mark the account as disputed, and simultaneously claim no valid dispute exists. 

Because XXXX failed to validate the debt after receiving my written dispute, the debt remains unvalidated. Continued collection activity, assignment, or credit reporting would constitute violations of 15 U.S.C. 1692g ( b ), 1692e, and 1692f. I am requesting supervisory review and appropriate corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Collection Management LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding CCMR3s attempt to collect an alleged debt related to a XXXX XXXX loan ( Loan # XXXX ). 

I timely exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and requested debt validation pursuant to 15 U.S.C. 1692g ( b ). In response, CCMR3 provided a conclusory letter stating it was engaged by XXXX XXXX, along with copies of pre-existing loan documents and an amortization summary. 

CCMR3 failed to provide required validation establishing its legal authority or standing to collect this debt, including but not limited to any assignment, servicing agreement, power of attorney, or chain-of-title documentation. A bare assertion of engagement does not satisfy FDCPA validation requirements. 

Despite this failure, CCMR3 continues to position itself as a lawful collector of this debt without having demonstrated that it owns the account or is authorized to collect on behalf of the creditor. This constitutes improper and misleading collection activity. 

I believe CCMR3s conduct violates the FDCPA, including : 15 U.S.C. 1692g ( b ) Failure to properly validate the debt while attempting collection 15 U.S.C. 1692e ( 2 ) ( A ) Misrepresentation of the legal status of the debt 15 U.S.C. 1692e ( 10 ) Use of false or misleading representations in connection with debt collection 15 U.S.C. 1692f Attempting to collect through means not authorized by law I am requesting that the CFPB require CCMR3 to either : Produce lawful documentation proving its authority to collect this debt, or Cease collection activity and close its file. 

I am also requesting that CCMR3 confirm whether it has reported, or intends to report, this account to any consumer reporting agency while validation remains incomplete.

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 result of identity theft
Company: DISCOVER BANK
State: MI

Complaint narrative:
The debt isnt mine Ive already reported it multiple times and Im sending a letter to discover today to fix this issue. It shows on all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/year>, I purchased a used vehicle from XXXX XXXX XXXX. At the point of sale, I agreed to a vehicle purchase price of {$13000.00}, paid a {$3000.00} down payment, and APR would be 4 %. After the transaction, the dealership submitted a Retail Installment Sales Contract to Wells Fargo, which Wells Fargo funded and continues to service. 

The contract reflects an APR of 11.49 %, which is within the general market range for used auto loans, but it is materially higher than the APR represented at the point of sale and was applied without documented disclosure or consumer authorization, as evidenced by subsequent altered buyers order documents.

Multiple inconsistent and altered versions of the contract exist, including handwritten post-execution notations. These terms were never presented, reviewed, or approved at the time of sale. 

I requested written clarification from Wells Fargo regarding how the APR and amount financed were calculated, including any dealer markup or participation, and correction of the unauthorized documentation fee. 

Wells Fargo did not provide this information and instead stated that pricing was solely the dealerships responsibility, despite funding and servicing the loan. The dealership has failed to correct the submission or provide a lawful explanation despite repeated written requests. 

I am seeking lender-level review, correction of the loan to reflect the agreed-upon terms, refund of the unauthorized fee, and suspension of payment and interest accrual pending resolution.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
I am currently in repayment of federal student loans with Mohela. I received notice that my XX/XX/2026 automatic payment of {$3000.00} did not go through and that my account was overdue. I logged in to confirm that information. They said there was no pending payments and that a payment was needed for the month of XXXX. I made the XXXX XXXXXXXX payment on XX/XX/2026, which is what I normally pay for automatic payments each month. Then I get notification that not only did the XXXX XXXX payment I made but also a payment I never authorized for {$2800.00} was also removed from my account. As I said, my normal automatic payment is for XXXX XXXX so I do not know where that amount came from. I called Mohela directly several times. Each time the call ended while I was on hold waiting for answers to my questions. I called and finally was told they XXXX  help me cancel XXXX of the XXXX payments. And that if I want a refund, it would take XXXX business days. I was also told I still was responsible for my XXXX payment. Both of these payments together over drafted my bank account. I now can not afford my car payment, rent, or even groceries. I was told to contact my bank, and was told XXXX  no XXXX  to reverse or dispute the charges either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
I never had a mortgage or loan with CrossCountry Mortgage. I received repeated calls and emails after I inquired about a mortgage. After I told the caller ( first name XXXX ) that I was not interested and asked to be put on the Do Not Call list, the calls became frequent, rude, and argumentative. The emails matched the timing of the calls. This harassment caused stress and disruption, and continued despite my request to stop. These calls began around XX/XX/year> continuing until XX/XX/year> I blocked the number so no further contact was made until I checked my emails and seen emails from the company as well the most recent one was dated back to XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: RoundPoint Mortgage Servicing LLC
State: NY

Complaint narrative:
They reported to the credit agencies that I missed a payment, but I sent them all the proof that my bank account had enough money to cover {$710.00}, yet they didn't do anything. Round point said it's nothing they can do about it since they have already reported it. Round point reported in XX/XX/year> as unpaid. However, it wasn't until I received a letter from the credit bureau that it came to my attention. 
I called round point and they didnt fix it, nor did they notify me of what they had done, damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I experienced discriminatory and racially biased treatment by a PNC Bank employee. I was treated rudely, spoken to dismissively, and subjected to unnecessary delays despite providing proper legal documentation. I believe I was treated differently due to race. PNCs actions resulted in unfair withholding of business funds and emotional distress. Due to this XXXX distress and ignorance of PNC XXXX XXXX XXXX bank employee refuse funds and refuse my money out my account cause XXXX XXXX all these questions and issue arise now my funds still on hold after XXXX  days

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: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
I received a letter in the mail from Synchrony Bank addressed to my name ( but misspelled ) saying that they received a request for a credit product with ONEPAY CASHREWARDS and that they were unable to approve the request because all three of my credit bureau accounts were frozen. I did not authorize this credit card request. I checked my credit bureau accounts and didn't see any credit card requests there.

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 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I am a Chase customer, and my account was restricted since XX/XX/XXXX after depositing a properly endorsed check in person at a Chase branch. Located at XXXX XXXXXXXX XXXX XXXX  NY XXXX The deposit was completed by a teller after full identity verification. The check represents legitimate funds belonging to the original payee, XXXX XXXX XXXX XXXX, who endorsed the check to me following guidance provided by Chase staff. 

After the deposit was accepted, my account was restricted without prior warning, preventing access to the funds. I contacted Chase and submitted a formal complaint ( case number XXXX ) and also emailed the Chase Executive Office requesting the immediate removal of the restriction and release of the funds.

More than 72 hours have passed with no response. This restriction has caused financial hardship and significant inconvenience.

I am requesting : Immediate removal of the account restriction Release of the deposited funds A written explanation for the restriction Review for possible compensation due to the inconvenience caused I have cooperated fully at all times and respectfully request prompt resolution of this matter. 

Attached are copies of the email communications exchanged with Chase regarding this matter, as well as documentation supporting the expenses incurred as a direct result of the banks error. 
I remain fully available to cooperate and provide any additional information required to resolve this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FC HoldCo LLC
State: AL

Complaint narrative:
I had the XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX. XXXX gave a tow truck company the title to the car because they say the car was abandoned. This rude employee hung the phone up on me. I havent probated my moms will yet they werent suppose to do that.

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