vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

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 30 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX I received an email from Chime stating my account was being closed effective immediately. The account contained over {$300.00} consisting of payroll direct deposits from my employer. I was given no meaningful notice or opportunity to transfer my funds. When I contacted customer service, I was told I am ineligible for a refund, which is inaccurate as these funds are my wages. Chime is currently withholding my personal funds without explanation. I am requesting the immediate return of the full balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
i purchased item from our local sears store approximately XXXX month before XXXX went out of business, local store continued as sears XXXX XXXX XXXXXXXX XXXX XXXX XXXX kept billing me apparently for interest, i took the paperwork and went to the store, lady that owns it contacted them and made it plain how she sold it to me, they had me send a copy of cancelled checks and a copy of the letter for them to take rewards money, that was XXXX times i sent this stuff, is the lady that owns the store, she has since dropped the sears part of the name, youre welcome to call her about it, phone number is XXXX, of course you can look it up to verify number, i have the receipt, the owners word, and copies of everthing, i guess if this doesent work they can dispute the contract receipt to my attorney, im tired of fooling with their trying to breech the contract

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 2026-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Receivables, Inc.
State: FL

Complaint narrative:
I signed up for a membership at " XXXX XXXX '' in XXXX XXXX XXXX in XXXX, when the gym first opened and offered memberships without contracts. In XXXX, I attempted to cancel my membership over a period of about four months, but continued to be charged. When I visited the gym 's physical location, the front desk informed me that they could not cancel memberships in person and that it had to be done online. I submitted cancellation requests on their website twice, but continued to be charged for the membership despite my attempts to cancel for four months. After receiving no response, I contacted my credit card company and requested they block the charges. Shortly thereafter, I began receiving calls from a debt collector named " Collection Receivables ''. I was unable to have any kind of productive conversation over the phone with these debt collectors. I sent two certified letters disputing and requesting documentation to validate the debt, but they failed to provide it, and they continue to harass me with calls. I have copies of these letters and receipts. My research into Florida Statutes revealed that health clubs are prohibited from enforcing contracts longer than three years, although did not sign any contract, and numerous online reviews indicate others are experiencing the same issue with this gym.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
We had a home equity loan with Huntington National Bank that closed prior to XX/XX/XXXX. We refinanced that loan on XX/XX/XXXXXXXX with another lender and paid off the loan with Huntington. We should have been provided with an IRS 1098 Form for interest paid on the loan from XX/XX/XXXXXXXX through XX/XX/XXXX. However, Huntington still has not provided the form as of the date of this complaint ( XX/XX/XXXXXXXX ). My wife and I have checked our Huntington account online multiple times and the form is not present or available on the website/portal. My wife, XXXX XXXX, called the Huntington Customer Service number and spoke to a representative on Friday, XX/XX/XXXX. My wife requested a copy of the 1098 Form and the agent stated that we would receive the statement via the US Postal Service within 7 to 10 calendar days. We have not received the form as of yet. Huntingon National Bank violated federal law by not providing the form to us by XX/XX/XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I recently refinanced my auto loan from Ally Bank to XXXX. Ally Bank was legally obligated to release the lien and send the vehicle title to XXXX. However, due to Ally 's administrative negligence, they mailed the title to the wrong address and lost it. On a recorded 3-way call with XXXX and Ally on XX/XX/year>, Ally customer service admitted the error but explicitly refused to fix it. Instead, Ally is attempting to push the financial and administrative burden of their mistake onto me. They demanded that I either pay out-of-pocket and spend my time at the DMV to apply for a duplicate title, or submit a third lien-release form and wait 30 days, which jeopardizes my refinance terms with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
My purchase with TD Bank was a fridge. It was originally at XXXX and if I did not pay it by the interest free time it would be charged 29.99 %. My balance was almost paid off and when I looked I was charged {$1100.00}. Which is more than the 29.99 %. If I was charged accurately it should have been around {$860.00}, either way its terrible but I was laid off and had no choice. I asked if they could remove the interest and let me continue paying it down since my balance was XXXX and they refused. I asked if they could correct it to be accurate interest if they were going to charge me and they said they dont do the math at customer service or fix it. So I asked to talk to a supervisor and she told me the same thing. So I asked them if they are ok with over charging the consumer and she said they dont do the math. So I am scrambling trying to figure out how to pay the XXXX with no job and no unemployment and currently trying to figure out how to survive. My biggest problem is that they would not adjust it accurately and would not help in any way. I am really upset that they would not help or explain why the extra almost XXXX. I dont think they should get away with over charging consumers and not wanting to help in any way to fix the error or explain it if its not an error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: CrossCountry Mortgage LLC
State: PA

Complaint narrative:
I received a letter in the mail from XXXX stating that I owed them money for not serving my full military contract. I had put in a ticket to resolve showing that my military obligation was fulfilled, and I never heard back. It was never in fact resolved, and I was never notified that it was not resolved, and my credit score was heavily affected. I only found out because I was preapproved for a home and they ran a credit check. The issue was not resolved in time to affect my interest rate prior to closing on the home and I now have a higher interest rate than I would have if the XXXX has fixed the issue. They have since stated it was a mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Relay Financial (US), Corp.
State: TX

Complaint narrative:
I am submitting this complaint regarding Relay Financial and its failure to return funds after denying a business account application. On or about XX/XX/year>, I applied for a business banking account with Relay Financial and deposited {$500.00} as part of the account setup process. The account application was subsequently denied, and I was informed that the {$500.00} deposit would be returned. Over the following XXXX months, I contacted Relay support multiple times by phone to request the return of the {$500.00}. During these calls, Relay representatives repeatedly stated that a refund check had been or would be mailed within 10 days, 20 days, or XXXX business weeks. At XXXX point, I was informed that a check had been mailed to an incorrect address and was returned. I was told the original check would be canceled and a new check would be issued to the correct address. Despite these assurances, the refund has not been received. After months of delays, I sent a formal written demand requesting the immediate return of the {$500.00} deposit and requested written confirmation within XXXX ( XXXX ) calendar days. That deadline has now passed with no resolution and no funds returned. Relay Financial has therefore retained my {$500.00} for approximately XXXX months after denying the account application, despite repeated requests and multiple assurances that the refund would be sent. I respectfully request assistance from the Consumer Financial Protection Bureau to : Require Relay Financial to immediately return the {$500.00} deposit. Identify the XXXX partner bank currently holding these funds. Ensure the refund is issued without further delay. This matter should be straightforward, as the account application was denied and the deposited funds should have been returned promptly. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, I contacted Chase Credit Card Services to discuss downgrading my Chase Sapphire Reserve card due to a fee increase. Before agreeing to any product change, I asked the representative directly and repeatedly whether I would retain my XXXX XXXX points and whether I would retain the ability to transfer those points to airline and hotel partners at the XXXX ratio. The representative confirmed yes to both questions multiple times. Further, the representative expressed the change that would effect points earned going forward. It was a very specific conversation. Based on those assurances, I agreed to downgrade to the Chase Freedom XXXX. After the downgrade was processed, I discovered that while my points were retained, the ability to transfer them at a XXXX ratio to travel partners was eliminated. I was not told this would happen I was explicitly told the opposite. I had XXXX XXXX Rewards points, which at XXXX XXXX ' published purchase rate of {$35.00} per XXXX miles had a replacement value of {$19000.00} ( after applicable sales tax ). As a XXXX XXXX cardholder, those same points are now worth approximately {$5100.00} in cash back a loss of approximately {$14000.00} in value caused entirely by the incorrect information provided by Chase 's representative. I am a Chase XXXX XXXX customer. I raised this with my XXXX XXXX banker, who attempted to resolve it on my behalf but was unsuccessful. I then sent a formal written escalation to Chase 's XXXX office on XX/XX/year>. Prior to that, Chase Credit Card Services sent me a written letter formally denying my request to reverse the downgrade so I could transfer my points. Chase has refused to restore my account, allow the point transfer, or provide any compensation. Additionally, I reached out to the Chase Executive Office detailing this. They were unable to provide any positive resolution. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The following accounts are reporting on my TransUnion credit report as charged off. I dispute the accuracy and completeness of these accounts and request that TransUnion verify the reporting with the original creditors. Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$160.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$620.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$370.00}

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
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity Properties Inc.
State: OH

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 ) XXXX, 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. XXXX that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
MIDLAND XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND 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 XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to complain against XXXX XXXX XXXX and Transunion regarding a balance of over XXXX that has appeared on my credit report. I have never conducted any business with this company, and I believe their reporting of this alleged amount to be inaccurate and misleading. Despite my efforts to resolve this matter, I have faced significant challenges : XXXX. I mailed repeated requests to XXXX XXXX XXXX throughout last year and again in XX/XX/year>, asking for documentation to validate this alleged debt. Unfortunately, I have received no response to these XXXX. I also reached out to XXXX, XXXX, and TransUnion to inform them that it is illegal for XXXX XXXX XXXX to report this amount without providing me with the necessary documentation. Despite this, the information remains on my credit report, further damaging my credit profile. Given these circumstances, I respectfully request that the CFPB investigate this matter. I would like Transunion to immediately remove this debt from my credit report. Thank you for your attention to this issue. I look forward to your prompt response. Sincerely, 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 2026-03-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am filing a complaint regarding a collection account reported by Jefferson Capital Systems for an alleged XXXX debt of {$180.00}. I dispute this debt and have disputed similar claims related to this account for many years. The collector is reporting this account without identifying the original creditor and without providing sufficient documentation demonstrating that I owe the debt. The debt has been sold multiple times over the years and repeatedly reappears on my credit report after disputes. I believe this may constitute improper credit reporting and possible re-aging of an alleged debt. I have requested validation of this debt and have not received documentation such as a contract, account statements from the original creditor, or a clear chain of assignment showing that Jefferson Capital Systems has the legal right to collect the debt. I am requesting that the collector either provide proper documentation validating the debt or cease reporting this account to credit reporting agencies. I also request that the credit reporting agencies ensure that the information being reported complies with the Fair Credit Reporting Act and is complete and accurate. Thank you for reviewing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Chelseamac, LLC dba Briteside Solutions
State: VA

Complaint narrative:
Company Name : Briteside Solutions Product/Service : Debt Settlement / Debt Relief Total Amount Lost : {$2500.00} Description of Incident : I am submitting this complaint to be included in the restitution process related to the CFPB 's legal action against Briteside Solutions and its owner ( Case No : XXXX ). Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX withdrew a total of {$2500.00} from my bank account via monthly ACH transfers. I was led to believe these funds were being used for debt relief services as part of their program.However, following the XX/XX/XXXX summary judgment which found the company 's practices to be illegal anddeceptive, I realize I was scammed. The company is now defunct, and I have received no services for the money paid. I am requesting to be added to the list of consumers eligible for a refund through the Civil Penalty Fund or any restitution collected from the defendants. Please contact me if additional bank statements are required to verify these transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I have been unable to access my funds since XX/XX/2026. First I was told to just wait a few hours because they didn't see anything wrong with my account and it was just something in the system. I called XXXX different times and each time I was told to just wait a few hours and it would clear. I waited and have tried every method available to me to get funds from my account but keep getting declined. The last time I called I was told I had to wait XXXX to XXXX hours and that every time I had a transaction declined it reset the waiting period.. They say I have a security flag but can't tell me exactly why and they can not override it. I direct deposit my XXXX check into this account and it is all the money we have. My utilities are pay as you go. We have no food for ourselves or our pets. This is very stressful. They are able to verify with me that there is no security issue but no one can override their system. It's ridiculous. I never received any type of notifications that there was a problem other than everything being declined. It has been 3 days now they are telling me I have to wait XXXX more days

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation