vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: SC

Complaint narrative:
There was a hard copy scam letter sent to my home address from US Bank. The US Bank address was XXXX XXXX XXXX XXXX XXXX XXXX. It read We are writing to you about your application for a U.S. Bank Credit Card account. Unfortunately, we can not approve you at this time due to : * limited number of satisfactorily rated trade lines Please see the back of this letter for the Consumer Reporting Agency Information relevant to our decision. Thank you for your interest. Sincerely, U.S. Bank Cardmember Service XXXX ( toll-free ) The creditor and issuer of this card is U.S. Bank National Association on the back : Our decision was based in whole or in part on information obtained from the following consumer credit reporting agency ( ies ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your credit score is a number that reflects the information on your credit report. We used a credit score provided by XXXX in this decision : the XXXX XXXX XXXX XXXX, which ranges from XXXX to XXXX on XX/XX/year>, your credit score was XXXX based on the information in your credit report. key factors * too few accounts currently paid as agreed * too many accounts with balances * ratio of balances to credit limits on revolving accounts is too high * length of time revolving accounts have been established

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 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing regarding the credit reporting status of the account listed below. The companys involved has previously confirmed that this account would be removed from my credit report. However, the tradeline continues to appear on my credit report with one or more of the credit reporting agencies. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of credit information have a legal obligation to provide accurate information to credit reporting agencies and to promptly update or correct any information that is determined to be inaccurate. Because your company has already confirmed that this account is to be deleted, continued reporting may constitute inaccurate or misleading reporting under federal law. Therefore, I am requesting that your company immediately : 1. Submit a deletion request to XXXX, Equifax , and XXXX. 2. Confirm in writing that the tradeline has been removed. 3. Ensure that no further reporting of this account occurs. If this matter is not corrected promptly, I may be forced to escalate the issue through regulatory complaints with the Consumer Financial Protection Bureau and other appropriate regulatory agencies. I appreciate your prompt attention to this matter and look forward to written confirmation once the deletion request has been processed. I am filing this complaint regarding inaccurate information currently being reported on my credit file. The creditor associated with the account referenced below has already confirmed that the account will be deleted from my credit report. However, the tradeline continues to be reported on my credit file through your bureau. Despite receiving confirmation that this account would be removed, it remains on my credit report. This constitutes inaccurate reporting under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of information. Additionally, under 15 U.S.C. 1681i, once a dispute is submitted, the credit reporting agency is required to conduct a reasonable reinvestigation and remove or correct any information that can not be verified as accurate. Since the creditor has already confirmed that the account will be deleted, continued reporting of this tradeline is inaccurate and harmful to my credit profile. I am requesting the following actions : 1. Immediate deletion of the inaccurate tradeline from my credit report. 2. Confirmation in writing that the account has been permanently removed. 3. An updated copy of my credit report reflecting this correction. Supporting documentation showing the creditors confirmation of deletion is attached. Failure to correct inaccurate information after being notified may constitute non-compliance with the Fair Credit Reporting Act. I appreciate your prompt investigation and resolution of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Tow truck damaged private property attempting to seize automobile and threatened me with the police and jail time. There is an open case for the fraudulent account created by XXXX and the XXXX. Proof of perfected lien and trust ownership has already been sent to headquarters.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This collection company has reported a collection to my credit report. I request that they provide me with the ownership of this account and so far they have not. The collection still shows in my credit report with our information of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
received a letter from a different debt collector that never supplied or head my request to stop contacting me LVNV FUNDING LLC XXXX XXXX, XXXX XXXX AND XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing a complaint regarding an unresolved credit card dispute with Citibank that has been ongoing since XX/XX/XXXX. On XX/XX/XXXX, I reported a charge on my Citibank credit card as fraud because I did not recognize the transaction. After reporting it, I later discovered the charge had been made by my mother without my knowledge. The item was returned to the merchant and a refund was issued. However, the refund was sent to the original card number, which Citibank had already closed due to the fraud report. I provided Citibank with proof of the refund when they requested documentation, but the case has still not been resolved as of XX/XX/XXXX. Despite this charge being under investigation and proof of refund already submitted, Citibank continues to include the amount in my balance. The transaction was also placed on a Flex Plan, which has caused my minimum monthly payment to increase to approximately {$260.00}. I have contacted Citibank multiple times for updates but have experienced poor communication, lack of clear instructions for submitting documentation, and delays in resolving the issue. I have already submitted proof of the refund, yet I have not received confirmation that it has been applied to my account. My concerns are : Citibank has not resolved the dispute within a reasonable timeframe. The refunded charge is still impacting my balance. My minimum payment increased due to the Flex Plan tied to this disputed transaction. Customer service has been unable or unwilling to provide meaningful updates. I am requesting that Citibank : Apply the merchant refund to my account immediately. Remove the associated Flex Plan and adjust my balance accordingly. Correct any payment obligations created by this unresolved dispute. Provide clear documentation confirming the case resolution. I would also like confirmation that this issue will not negatively affect my credit history.

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 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Throughout XX/XX/year> starting on XX/XX/XXXX I kept getting unauthorized charges on my account. This lasted until XX/XX/year> when I proceeded to close the account. I told chase bank this wasnt an authorized transaction and that I was down {$27000.00} as a result of these charges. Chase bank stated they could not confirm these were unauthorized even though I did not allow this and no one else had access to my account. I also filed a police report which chase bank decided to ignore. I am still without my funds and chase bank is ignoring their legal agreement with the government being under the FDIC

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: CT

Complaint narrative:
I am filing a complaint against Chime Financial regarding a promotional sign-up bonus that the company has failed to honor despite my compliance with the stated requirements. I opened a Chime checking account using a referral link provided through my employer that advertised a {$350.00} sign-up bonus. The terms stated that the bonus would be paid in XXXX separate installments after completing qualifying direct deposits of at least {$200.00} for XXXX consecutive months. I fulfilled the required qualifying deposits exactly as instructed. However, the bonus did not apply automatically as advertised. After contacting Chime customer support the first time, a representative reviewed my account and manually issued the first {$100.00} bonus payment. During that interaction, the representative confirmed that I qualified for the promotion as long as the direct deposits continued. When I contacted Chime again regarding the second installment of the bonus, a different representative suddenly claimed that I did not qualify because my debit card was not activated within 14 days of opening the account. This requirement was never disclosed in the promotional offer, in the signup process, nor in the emails I received regarding the promotion. Furthermore, if this requirement were legitimate, the first bonus payment should not have been issued after manual review by their representative. The fact that the first payment was approved demonstrates that I was eligible under the original promotion terms. Since then, my attempts to resolve the matter through customer support have been extremely frustrating. I have experienced excessive wait times, calls being disconnected after long holds, and an inability to reach a representative willing to properly review the issue. This situation appears to involve misleading promotional practices and failure to honor the terms of an advertised financial incentive. Consumers should not be denied promotional rewards based on requirements that were never disclosed in the original offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-12 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: CT

Complaint narrative:
Im filing a complaint against MIDLAND CRED because they are reporting a collection account ( original creditor listed as XXXX XXXX XXXX, account XXXX ) that is completely unverified. I never gave permission for them to report anything to the credit bureaus. After I was notified of this collection, I immediately requested proper validation. But they didnt provide anything, no signed agreement, no breakdown of the amount theyre claiming I owe, and no proof they have the legal right to collect this debt. Thats a direct violation of 12 CFR1006.34 ( b ) ( 5 ) of Regulation F, which says collectors must provide full debt verification when the consumer requests it. They also failed to give me a fair opportunity to dispute it, violating 12 CFR1006.34 ( c ) ( 4 ) ( i ). Even though they didnt validate the debt, they still went ahead and reported it to the credit reporting agencies. That is both deceptive and illegal under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), which says they cant furnish information to credit bureaus without giving the proper disclosures and the chance to dispute it. They also violated 15U.S.C. 1681b, which says only accounts with a permissible purpose can be included in a consumer report. This account never had my permission or involvement, so theres no valid reason it should be reported under my name. This has caused serious and unnecessary harm to my credit and reputation. Im asking the CFPB to investigate this company and require them to : Stop all credit reporting related to this unverified account. Delete this tradeline from all consumer reporting agencies ; Provide full documentation proving the debt is real, including a contract with my signature, proof of the original creditor, and proof theyre legally authorized to collect it. If this matter is not resolved, Im prepared to pursue legal action under 15 U.S.C.1681n and 1681o for willful and negligent noncompliance with the FCRA XXXX Their refusal to follow federal law should not be ignored. Please help get this account removed from my report and make sure theyre held accountable for these violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
Caine & Weiner Company has appeared out of nowhere onto my credit report. I have never heard of this company, nor have I done any business with them. I have no idea who they are. There is an amount of {$98.00} that says it was opened in XXXX XXXX. I have no idea about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I am filing a formal complaint against JPMorgan Chase regarding a severe misapplication of Regulation CC exception holds and a lack of transparency from their Executive Office. On XX/XX/XXXX I deposited a valid check in the amount of {$1900.00} originating from a closed account at XXXX XXXX XXXX XXXX ( Check # XXXX ). Chase immediately placed a 7 day hold on the funds despite the fact that the amount is well below the {$6700.00} large-deposit threshold. On XX/XX/XXXX at XXXX XXXX, I had contacted Chase regarding the hold, looking to at least get some of the funds entitled to me released from the hold. The Chase representative explicitly contacted the issuing bank and verbally verified that the check was valid and the funds were fully available. Despite this direct verification, Chase kept the 7-day exception hold on the entire {$1900.00}. They have strictly refused to release the mandatory {$270.00} next-day availability required by 12 CFR 229.10 ( c ) ( 1 ) ( vii ). Chase representatives cited the Deposit Account Agreement and past account overdrafts. However, because Chase already verified the funds with the issuing bank, the risk of the check being returned unpaid has been mitigated. Continuing to hold the funds under an exception after confirming their validity constitutes an " unreasonable delay '' under federal guidelines. On XX/XX/XXXX at XXXX XXXX, I escalated this issue to the Chase Executive Office ( via XXXX ) for a 45-minute call. The Executive Specialist : Stated he had no power to do anything and was relying on " faith in his colleagues '' rather than the statutory requirements of Regulation CC. Refused to provide an employee ID or unique identifier, claiming " employees do not have IDs for safety reasons, '' which prevents proper accountability for this dispute. Refused my request to provide the legally mandated Notice of Exception electronically via the Chase Secure Message Center, insisting it could only be mailed, intentionally delaying my ability to review their legal justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I place an order with an online merchant named XXXX for a carry on case. Merchant original promise to deliver from XXXX before XX/XX/XXXX, we end up received th carry on case on XX/XX/XXXX. Product we received is from a no-name XXXX merchant not XXXX. We fill dispute with merchant and was ignore, We then file dispute with Affirm, according to affirm explanation, merchange has non-refundable and two hours cancellation policy so they favor to merchant. Total amount is XXXX USD. Affirm opens investigation but always favor to merchant with checking the evidance why I dispute the payment and requesting for return. I suspect this is a scam as the merchant is not showing any legit local contact information and may be a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Validation of Debt Request - PORTFOLIO - CAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I have no idea who LVNV Funding LLC is. because I never heard of them. I have never acquired any debt or credit with them. This company just appeared on my credit report out of the blue. I received no written nor verbal information about this debt. They have a total of four accounts on my credit that are completely false. I have never did any business with this company. 1 ) {$470.00} LVNV DATE SAYS OPENED XX/XX/XXXX XXXX ) {$480.00} DATE SAYS OPENED XX/XX/XXXX XXXX ) {$720.00} DATE SAYS OPENED XX/XX/XXXX XXXX ) {$740.00} DATE SAYS OPENED XX/XX/XXXX Mind you I have never heard of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I am a customer of Banco Popular and I am reporting fraudulent charges totaling {$1000.00} that I did not authorize. The purchases were made at XXXX XXXX and a store XXXX XXXX in different locations on the same day, but I was not at those locations and did not make those transactions. I already reported the fraud to the bank and filed a police report, but the bank says the purchases were made and refuses to return the money. I request that the bank conduct a proper investigation, review the evidence ( delivery address, purchase locations, and identity verification ), and refund the money for the unauthorized transactions. If you want, I can also help you : Make it sound more formal and stronger for a complaint. Adapt it to send to the Consumer Financial Protection Bureau ( CFPB ) or another agency if the bank keeps refusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
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: Selene Holdings LLC
State: WA

Complaint narrative:
This complaint concerns events that occurred after the closing of prior CFPB complaint # XXXX involving Selene Finance . This is new information. After the prior complaint was closed, Selene issued a loan modification determination letter dated XX/XX/year> denying our request based on debt-to-income ratio. We appealed that decision and recieved a denial of that appeal dated XX/XX/year>. On XX/XX/year> Selene sent us a letter encouraging us to contact the company to discuss foreclosure alternatives such as repayment plans, temporary forbearance, or loan modification options that could help us remain in the home. We received both this letter and the appeal denial letter after office hours on XX/XX/year> and contacted Selene the following day as instructed. During that call the representative advised that the XX/XX/XXXX notice encouraging us to contact Selene regarding foreclosure alternatives was system-generated and that any request for assistance would automatically be denied because the foreclosure sale is scheduled for XX/XX/year> and is within a 37-day window before the sale. This response appears inconsistent with the written notice encouraging us to contact Selene to discuss available foreclosure alternatives. When we asked why the letter was sent if no options could actually be reviewed, the representative explained that these notices are automatically generated and sometimes sent even when the company will not review loss mitigation requests. Because of this contradiction, we have submitted a Qualified Written Request / Notice of Error under RESPA requesting investigation of the servicing communication and requesting documentation of the investor guidelines or Pooling and Servicing Agreement provisions relied upon in denying modification. We have also notified the XXXX XXXX XXXX XXXX XXXX ( XXXX ) regarding this issue as we have an ongoing open case with them regarding Selene as well. We remain willing to work with the servicer to resolve the matter and retain the home if possible. We currently have approximately {$40000.00} available to support a repayment arrangement, and our tax filings are being completed which may reduce previously assumed tax liabilities.

Company response to consumer: Closed with explanation