vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/year> at XXXX XXXX I received a text appearing to be from Chime asking if I authorized a {$320.00} XXXX purchase. I replied N. I then received messages stating my account was restricted and that I would receive a call. At XXXX XXXX I received a call from XXXX and believed I was speaking with Chime fraud support. The caller stated my account had unauthorized devices and instructed me to enter a temporary password and provide verification codes to secure my account. This was an impersonation and social engineering scam that resulted in an account takeover. While I was still on the call, unauthorized electronic fund transfers occurred : {$550.00} at XXXX XXXX, {$500.00} at XXXX XXXX, {$410.00} at XXXX XXXX, and {$420.00} at XXXX XXXX. A few minutes after XXXX XXXX I saw Chime email alerts confirming the transfers and realized the caller was a scammer. I ended the call and told my husband to contact Chime immediately. The caller called back and I told him this was a scam and hung up. My husband reported the fraud to Chime at XXXX XXXX. These were unauthorized electronic fund transfers resulting from account takeover and were reported immediately upon discovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
Date XX/XX/year> Your Name XXXX XXXX Your Address XXXX XXXX XXXX XXXX XXXX XXXX City, State Zip To Whom It May Concern, I am writing regarding an account on my credit report that your company is reporting. Creditor : XXXX XXXX XXXX Account Number : XXXX Under the Fair Debt Collection Practices Act, I am requesting validation of this debt. Please provide the following : The original signed contract Complete payment history The name and address of the original creditor Proof your company has the legal right to collect this debt The full account number Until you provide proper validation, this account is disputed. If you can not validate this account, please remove it from all credit reporting agencies immediately. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: Bilt Technologies, Inc.
State: WI

Complaint narrative:
Bilt mastercard has no way to contact a human. They do not reply to emails, calls, nothing. I closed my account due to this terrible customer service. As i closed my account i have no way to contact any person. I can not log into my account to pay my statement and every person tells me to call a number that directs me to a robot to text. The text sends a link to login but i no longer have an account. This is absolutely ridiculous. i was emailed a statement balance of XXXX dollars i must pay by the XXXX But absolutely no way to pay it! The person on the phone tells me i need to contact bilt but it is impossible. There is no way for me to make my payment and this can not be legal. Worst company ive ever experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MD

Complaint narrative:
Dear Jefferson Capital I recently received a debt collection notice from your office. Im writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information. 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exist creating the amount you claim is owed. 3. Documentation of all assignment showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to other collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was informed by the credit bureaus to file this report. I noticed several fraudulent items that I did not authorize and l would like them removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2026-03-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XXXX, I made a purchase using a CareCredit credit card issued by Synchrony Bank under a promotional financing period. Using the CareCredit mobile app, I scheduled automatic payments so the balance would be paid in full before the promotional period expired. In XX/XX/XXXX, I received a notification that my account was past due. When I contacted CareCredit, I learned that a small balance remained because payment security charges had been added each billing cycle. I was not aware of these charges. A representative directed me to the payment security provider, who confirmed that a refund would be issued. On XX/XX/XXXX, after confirming the refund, I contacted CareCredit again. The representative instructed me to pay the remaining balance after the refund adjustment and stated that if I paid {$83.00}, CareCredit would waive all accrued interest and my balance would be {$0.00} at the next billing cycle. I made the payment as instructed. In early XXXX, I received another delinquency notice. When I contacted CareCredit again on XX/XX/XXXX, a representative acknowledged that the interest had not been waived as previously promised. After escalating to a supervisor, I was again assured that the interest would be waived and that my balance would be {$0.00} with no additional payments due. Despite these confirmations, in XX/XX/XXXX I received another notification stating that I owe {$4.00} in interest, even though I have not used the card since the original purchase and relied on CareCredits repeated representations that the interest would be removed and the account balance would be XXXX. Each time I have attempted to resolve this issue by phone, I have been transferred between representatives and have experienced repeated call disconnections when requesting a supervisor. During my most recent call, a manager told me that I would need written proof that my balance would be XXXX, despite the fact that CareCredit records and monitors calls and their representatives previously confirmed that the balance would be resolved. I relied on the companys representations when making the {$83.00} payment, and this appears to be a billing error and a failure to apply a promised account adjustment. CareCredit representatives confirmed on XX/XX/XXXX and XX/XX/XXXX that the interest would be waived and my balance would be {$0.00}, but the promised adjustment was never applied. I am formally disputing this charge as a billing error under the Fair Credit Billing Act.

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 2026-03-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
As aXXXX % XXXX Veteran facing major XXXX treatments, and several major surgeries i asked NewRez, LLC dba ShellPoint Mortgage servicing for a modification or lower rate etc. They told me on a recorded and documented conversation that I need to stop making any payments for at least the next XXXX months then re-apply. I followed there instructions. Then once i was out of the Hospital and finishing XXXX and XXXX etc i was then XXXX months behind as they requested i closed XXXX credit cards to save funds, then they told me to apply for a HELOC/HELOAN for {$50000.00} they had my home appraised at {$890000.00} then they did it again a few months later and reduced the value of my home by a second VA apprisal who lowered my value and if i would sell to XXXX of his customers at the lower Valuation i could walk away from the Home? that was a fraud and scam to cheat me. The XXXX person told me i have been approved for a HELOC/HELOAN as i have XXXX in equity they signed the papers told me in writing they will Deposit {$50000.00} in my checking account on XXXX when they did NOT i called was told that the person who did this was fired from the Company as i also noticed they had the Wrong address and wrong phone number for me and my home. This is a scam, elder abuse, fraud, HUD violations, Fair Housing Act Violations, Racism, Discrimination now they said they will NOT give me any Modifications nor lower the rate but increase the rate so i must even pay more than i was, I filed a complaint with the VA Housing who has also experienced a real hassell and scam by them, they told me the XXXX companies NewRez, XXXX are one in the same company and have several National Federal and XXXX XXXX for misconduct, fraud etc they have lied from the very beginning. I was told to file XXXX XXXX Bankruptcy then they will foreclose on me and i will be a homeless XXXX Veteran

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 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Dear Bank of America Customer Service, I am writing to request detailed confirmation for a series of electronic ACH payments made from my Advantage Plus Banking account ( ending in XXXX ) to Bilt Rewards and XXXX XXXX. I am conducting a review of my accounts and need to verify XXXX specific details for each of the transactions listed below : 1. Confirmation of successful delivery : Please confirm that these payments successfully cleared Bank of America and were not returned by the receiving institution ( with the exception of the early XX/XX/XXXX return, which I am already aware of ). 2. Destination details : Please provide the destination Routing Number and Account Number that each of these specific payments was sent to. XXXX Payments : XX/XX/XXXX : XXXX Credit Card ( AUTO PAY ) for {$6000.00} XX/XX/XXXX : XXXX Credit Card ( AUTO PAY ) for {$6100.00} XX/XX/XXXX : XXXX Credit Card ( AUTO PAY ) for {$6000.00} XX/XX/XXXX : XXXX Credit Card ( AUTO PAY ) for {$5600.00} XX/XX/XXXX : XXXX Credit Card ( AUTO PAY ) for {$5600.00} XX/XX/XXXX : XXXX Credit Card ( XXXX XXXX ) for {$5600.00} XX/XX/XXXX : XXXX Credit Card ( AUTO PAY ) for {$5600.00} XXXX Payments : XX/XX/XXXX : XXXX Credit Card ( AUTO PAY ) for {$5900.00} XX/XX/XXXX : XXXX Credit Card ( AUTO PAY ) for {$5900.00} XX/XX/XXXX : XXXX ( XXXX XXXX ) for {$5700.00} XX/XX/XXXX : XXXX Credit Card ( AUTO PAY ) for {$6100.00} XX/XX/XXXX : XXXX Credit Card ( XXXX XXXX ) for {$6100.00} XX/XX/XXXX : XXXX ( XXXX XXXX ) for {$5700.00} XX/XX/XXXX : XXXX Credit Card ( AUTO PAY ) XX/XX/XXXX : XXXX ( XXXX XXXX ) for {$5700.00} XX/XX/XXXX : XXXX Credit Card ( AUTO PAY ) for {$380.00} XX/XX/XXXX : XXXX ( XXXX XXXX ) for {$5700.00} XX/XX/XXXX : XXXX Credit Card ( AUTO PAY ) XX/XX/XXXX : XXXX Credit Card ( AUTO PAY ) for {$380.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) for {$550.00} XX/XX/XXXX : XXXX Credit Card ( AUTO PAY ) for {$380.00} XXXX Payments : XX/XX/XXXX : XXXX Credit Card ( AUTO PAY ) for {$380.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for {$6100.00} If bank policy restricts you from sending full account numbers via standard email, please send this information to my secure message center within my BofA online banking portal, or let me know the best way to securely receive this report. Thank you for your time and assistance. 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 monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: COLUMBIA BANKING SYSTEM, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX, I was defrauded through XXXX checks drawn from my account : one for {$10000.00} and another for {$5000.00}. The fraudster attempted to cash one of the checks twice, but the bank failed to flag this suspicious activity or recognize that the individual involved had a history of multiple fraud cases. As a result, the fraudulent transactions were processed without intervention. I reported the fraud to the bank shortly after discovering it, and they initiated an investigation, but it did not prevent the initial losses. Recently, in XX/XX/XXXX, I visited a branch to request detailed records, including timestamps and other transaction metadata related to these incidents. However, the bank only provided images of the checks, which I had already accessed online in minutes, and did not supply any additional helpful information such as exact timestamps, IP logs, or fraudster verification details.

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 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Ive sent debt validation letters, collection dispute letters and explanations letters where the identity theft came from, dating back from XXXX and still doing so ( XXXX equifax breach is just one example ) to the company and the three bureaus and havent gotten a response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
I was contacted in XXXX via mail that I owe approximately {$7500.00} for a debt accrued through the company Acima. I was unaware of any account with said company. I am under the impression it may be an incident of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am filing a complaint against Santander Bank regarding my bank account being placed on hold without prior notification. The bank informed me that the hold was related to suspected fraudulent activity, however I was never contacted before the restriction was placed on my account. As a result of this unexpected hold, several essential payments that I had already scheduled electronically were affected, including payments for my home, car, water, and electricity. I contacted Santander Bank multiple times in an attempt to resolve this issue on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>. Despite these efforts, I have not received a clear explanation or a timely resolution. I currently live in Florida and the nearest Santander branch is in XXXX, which is approximately three hours away, making it extremely difficult to resolve this matter in person. The amount affected is {$870.00}. I also have recordings of my phone calls with Santander representatives documenting my attempts to resolve the matter. I am a widowed single mother who is responsible for my household and caring for my XXXX mother who is currently in hospice care. Access to my funds is essential, and the banks actions have caused significant financial hardship and emotional distress. I am requesting that Santander Bank immediately release my funds, provide a written explanation for the account restriction, and ensure this situation does not happen again without proper notice.

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 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
Formal Complaint Against Capital One Unjustified Closure of Accounts ending in XXXX, XXXX, XXXX Consumer Information : Name : XXXX XXXX XXXX : XXXX Address : [ XXXX XXXX # XXXX XXXX, XXXX ] Phone : [ XXXX ] Account Number ( XXXX ) : Credit Cards ending in XXXX, XXXX, XXXX Complaint Description : I am filing this formal complaint to protest the abrupt and unjustified closure of my Capital One credit card accounts ( ending in XXXX, XXXX, and XXXX ). I have been a responsible customer, yet Capital One has restricted and closed my accounts without providing a valid reason or a pathway for resolution. Despite my proactive efforts to resolve this matter, I have been subjected to a " run-around '' by Capital One 's support teams. I have spent hours on the phone with both General Customer Service and the Fraud/Security Department XXXX only to be transferred back and forth with no answers. Chronology of Attempts to Resolve ( Evidence of Good Faith ) : My phone records ( attached ) prove that I have made extensive efforts to contact Capital One to resolve any potential misunderstandings : XX/XX/XXXX2025 : Called Customer Service ( XXXX ) at XXXX PM ( Duration : XXXX XXXX ). XXXX Customer Service ( XXXX ) again ( Duration : XXXX XXXX ). Result : No resolution provided ; calls were inconclusive. XX/XX/XXXX2026 : Called the XXXX Department XXXX XXXX ) at XXXX AM ( Duration : XXXX XXXX ). Called again at XXXX AM ( Duration : XXXX XXXX ). Called again at XXXX AM for a lengthy session ( Duration : XXXX XXXX ). Result : Despite spending over an hour on the phone in a single morning, the representatives refused to assist with reopening the accounts or providing a specific reason for the closure. Impact : The lack of transparency and refusal to communicate is unprofessional. These closures harm my financial standing and credit history without cause. Desired Resolution : Immediate reinstatement of my accounts ending in XXXX, XXXX, and XXXX. A written explanation detailing the specific reasons for these actions if reinstatement is denied. Correction of any negative information reported to credit bureaus regarding these closures. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase Sapphire Reserve offers a {$250.00} cashback on bookings made via the Edit collection. I met their criteria- ( a ) XXXX nights of stay and ( b ) prepaid booking ( Paid on XX/XX/XXXX for a XXXX stay ). Despite that on XX/XX/XXXX, their Marketing team responded that it's not a prepaid booking. Name : XXXX XXXX XXXX Zip Code : XXXX e-mail : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 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: FIRST INTERSTATE BANCSYSTEM, INC.
State: MN

Complaint narrative:
This complaint concerns First Interstate Banks denial of a credit-card billing-error dispute while relying on merchant documentation that was not presented at the time of purchase and was produced only after the transaction occurred. The issuers determination appears to rely on merchant assertions that directly conflict with evidence already contained in the dispute record. During the dispute investigation, the merchant acknowledged in written communication that the terms and agreement had been omitted at the time of purchase. The XXXX confirmed that this evidence was part of the dispute record considered in its determination. Despite this admission, the issuer relied on those same terms when denying the XXXXXXXX claim. The central issue is therefore whether the bank verified that a valid agreement containing those terms ever existed before relying on them during the dispute investigation. This raises concerns regarding whether the issuer conducted the reasonable investigation required under the Fair Credit Billing Act and Regulation Z ( 12 CFR 1026.13 ) before denying the dispute. A letter attached contains more information, including a detailed timeline, communication, documentation, proof, and supporting evidence are provided in the attached letter and evidence packet. I respectfully request CFPB supervisory review of whether the issuer verified the validity of the merchants contractual defenses before relying on them during the dispute investigation. The attached letter provides the full timeline, documentation, and supporting evidence. This complaint raises concerns regarding whether First Interstate Bank complied with its obligations under the Fair Credit Billing Act and Regulation Z to conduct a reasonable investigation before denying the billing-error dispute. I request review of whether the issuer verified that the merchants contractual defenses were legally valid before relying on them in its determination.

Company response to consumer: Closed with explanation