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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
b'Im filing this complaint because Bank of America has two chargeoff accounts reporting on my credit that I have absolutely no idea about. I never got any proof, no verification, nothing. Ive been trying to fix this since like XXXX of XXXX. I sent disputes to the credit bureaus multiple times already this is basically my third round and nobody has given me any actual documentation showing these accounts are even mine.\nThe credit bureaus keep verifying the accounts without sending me anything, and Bank of America hasnt provided anything either. I still havent gotten a single piece of verification or proof, and as far as I understand, thats a violation. Ive tried to handle this the normal way and its just not getting resolved.'

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: KS

Complaint narrative:
I was contacted by phone on XX/XX/XXXX, and told that I owe HSBC Bank Card Services over {$1000.00}, that there is a judgment against me, and asked how I would like to settle the debt. When I asked for more information regarding the debt ( written proof, name of caller and his company 's address ), the caller listed off a bunch of store credit cards. I informed the caller that I never held any of those credit cards. I was then only given the original creditor 's information, and no other information. Upon further checking, I called back ( XXXX ) the alleged collection agency and was repeatedly given only HSBC Bank 's information, and told that was the only information I would be given. When asked for the date of the last payment, I was told the date of XXXX. When I informed the caller that nine years is past the statute of limitations in XXXX, he became hostile and hung on me.

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 — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: UT

Complaint narrative:
I opened a new Chime Checking Account on XX/XX/year> using a specific {$350.00} promotional link from XXXX XXXX for first-time members. On XX/XX/year>, I called Chime customer support because the promotion was not showing on my account. I was escalated to a supervisor who acknowledged that while I am a first-time member, the " link status '' was not active on my profile due to a technical tracking issue. The supervisor attempted to manually apply the {$350.00} bonus but stated their system would not allow the modification. I am eligible for this offer based on the attached terms. I have met all criteria : I am a first-time Chime account holder. I enrolled through the official promotional landing page. I am prepared to initiate the required qualifying direct deposits. Chimes technical error in tracking the enrollment flow should not result in the forfeiture of the advertised {$350.00} bonus. I request that the promotion be manually honored and applied to my account.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint regarding a missing refund and an improper dispute handling by Wells Fargo. On XX/XX/XXXX, I made a {$270.00} credit card transaction with the merchant XXXX XXXX ( reference number : XXXX / XXXX ). The merchant later voided the transaction on XX/XX/XXXX, as shown in the merchants system record ( screenshot attached ). However, the refunded amount has never been credited back to my account and does not appear on any of my statements. I contacted Wells Fargo regarding this missing refund via its official email at XXXX on XX/XX/XXXX ( screenshot attached ), but no response from Wells Fargo at all. Also, I filed a {$350.00} credit card dispute to Wells Fargo, dispute number is XXXX. I submitted all the required details, but Wells Fargo refused the dispute without providing any explanation or written justification. I contacted Wells Fargo regarding this improper dispute handling via its official email at XXXX on XX/XX/XXXX as well ( screenshot attached ), but no response from Wells Fargo at all. I am requesting regulatory assistance to review Wells Fargos failure to credit a merchant-voided transaction and its refusal to properly investigate my dispute, and its lack of response to my written complaints. I am seeking two refunds ( {$270.00} and {$350.00} ), goodwill credit and confirmation that Wells Fargo is complying with its consumer protection obligations.

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: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: WA

Complaint narrative:
I opened a Chime Checking account on XX/XX/year> using a referral link under Chimes referral promotion. I received a qualifying direct deposit on XX/XX/year> that met the requirements of the promotion. According to the promotion terms, the referred user must activate a physical Chime debit card within 14 days after receiving a qualifying direct deposit, and the referral reward is generally provided within ten business days after all requirements are satisfied. I waited for my physical debit card to arrive so I could activate it and complete the requirements. However, the debit card was never delivered to me. Near the end of the 14-day window, I contacted Chime customer support. The representative acknowledged the delivery issue and sent a replacement debit card, and assured me that this would not impact my eligibility for the referral bonus. I received the replacement debit card on XX/XX/year> and activated it immediately. In addition, I received a second qualifying direct deposit on XX/XX/year>. At this point, all requirements of the promotion had clearly been satisfied. However, as of XX/XX/year>, I still have not received the referral bonus. This is well beyond the timeline stated in the promotion terms. I have contacted Chime customer support multiple times regarding this issue, but the representatives have not provided any meaningful assistance. They repeatedly ask me to wait without providing any explanation or a clear timeline for when the bonus will be paid. This delay appears to be the result of Chimes failure to deliver the initial debit card, which was outside of my control. I have fulfilled all requirements of the promotion in good faith.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I sent a written validation request to XXXX XXXX XXXX requesting documentation verifying the alleged debt and their authority to collect and report the account. The request was sent via certified mail and delivered according to XXXX tracking. Despite receiving the request, XXXX XXXX XXXX failed to provide any documentation validating the alleged debt. The account continues to be reported on my credit reports. I also disputed the account with the credit reporting agencies. The credit bureaus responded that the account was verified, however XXXX XXXX XXXX has not provided documentation verifying the alleged debt. Additionally, the account has appeared multiple times on my credit report as duplicate entries representing the same alleged debt. Reporting duplicate accounts significantly impacts my credit profile and may constitute inaccurate or misleading reporting. Because XXXX XXXX XXXX failed to provide adequate validation of the debt and the credit bureaus continue to report the account as verified, I believe the investigation performed was not reasonable as required under the Fair Credit Reporting Act. XXXX XXXX Mail delivery confirmation : XXXX XXXX XXXX XXXX # XXXX ( Delivered XX/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 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
b'USAA isssued a check for over $XXXX (dont recall exact amount) about 3 1/2 years or so ago now. I spend 5 hours on the phone with 4 different departments and they said they needed authorization to issue another check bc they could see that it was returned to them and acct was closed. Which proved I never got the funds. They said they assumed I died bc they could not get in touch with me yet I never got an email. And when about to issue a new check they then said bc they didnt have the original returned check (yet have a digital copy of it) they couldnt verify that check wasnt processed. And then said they cannot find where my funds are yet they closed my acct and check was from USAA. They showed it wasnt ever paid to me. And then finally they said it must of been sent to my state as missing money and would have to claim with my comptroller. I contacted the state comptroller and there is nothing from USAA now or ever. It makes no sense and should not be legal to not issue another check, and they should be audited if they easily cant find where the money owed to me went. It was never paid to me or a state and should had been re issued.'

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: CL Holdings LLC
State: VA

Complaint narrative:
Validation of Debt Request - JEFFCAPSYS ( 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 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: CL Holdings LLC
State: AL

Complaint narrative:
Validation of Debt Request- JEFFERSON CAPITAL LLXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: 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: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
Dear sir, are madam I am writing to formally report that I have become a victim of identity theft involving my account I discovered unauthorized activity on my account including transaction and/or action that i did not make or approve it appears that unknown person has gained access to my personal information and used it fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Requested validation letter for Midland credit management on XX/XX/year> for an account of XXXXXXXX XXXX XXXXXXXX preferred account of {$2000.00}. This debt collector is not licensed to collect debt or accounts in the state of XXXX which I reside in. They have repeatedly called me many many times over and over and over again to where it is harassment. They also claimed to have filed a lawsuit against me for this debt, but they are not licensed to collect debt in XXXX. I also never entered into any agreement with Midland credit management.

Company response to consumer: Closed with explanation
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This is my first-round dispute against TransUnion LLC for XXXX inaccurate, incomplete, internally inconsistent, and materially misleading information on my XXXX account ( Acct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), in violation of the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ), 1681i, and 1681g. TransUnion is reporting Metro 2 data that is unreliable and not reasonably verifiable. The tradeline contains material conflicts in core fields, including balance-related information, delinquency history, key dates, and days-late reporting. These are not minor discrepancies. They are serious accuracy defects that make the tradeline misleading and cast doubt on the integrity of the account as reported. Under 15 U.S.C. 1681e ( b ), TransUnion must follow reasonable procedures to assure maximum possible accuracy. Under 15 U.S.C. 1681i, TransUnion must conduct a reasonable reinvestigation when disputed information is challenged. Under 15 U.S.C. 1681g, TransUnion must be able to disclose the basis for the information it reports. If TransUnion can not support these disputed Metro 2 fields with competent, consistent, account-level documentation, then it can not lawfully continue reporting this tradeline in its current derogatory form. I do not accept a generic, automated, or conclusory response such as verified as accurate without competent documentary support. If TransUnion can not demonstrate the accuracy of the disputed fields with reliable account-level evidence, then continued reporting is improper and harmful.

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: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Tribal Lending Enterprise, Inc.
State: AK

Complaint narrative:
On XX/XX/XXXX, I obtained a loan of {$1000.00} from Ascend Loans online. From XX/XX/XXXX through XX/XX/XXXX, the lender withdrew {$250.00} every XXXX weeks on my pay date for a total of {$1500.00}. As of today, XX/XX/XXXX, I have been getting emails from the lender that I owe a balance of {$2000.00}.

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 — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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: 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: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I have about XXXX transactions Totaling about {$33000.00} worth of IN-APP purchases from a game that Ive payed to be a top player. Recently this game has been Hacked and the items that Ive purchased did not hold durable value, nor has the platform offered a solution to the hacking. So I turned to Goldman Sachs to dispute the transactions in XXXX of XXXX. Goldman Sachs refunded about XXXX of the transactions totalling about {$400.00}. However the other {$32000.00} was declined. I had asked why the disputes would not be honored and why only several of them were, They said they would send me the investigations teams evidence. Couple weeks go by and they sent me a copy of my statements, no reasoning on why the disputes were declined, no explanation, nothing except a copy of my statements. So now its been XXXX months and im still battling them for an explanation. I have submitted overwhelming evidence from a Qualified XXXX party expert attorney, proving the transactions did not hold durable value for the amount spent. These are the finding from my attorney below. I, XXXX XXXX XXXX, certify that I am an independent third-party consultant engaged by the cardholder to evaluate the nature, quality, and value of digital goods and services provided by the merchant, XXXX ( publisher of the online game XXXX XXXX ). My qualifications include : Legal Consultant, with over XXXX years of experience in evaluating live- service digital platforms, in-app purchase systems, and competitive online game integrity. I am not an employee, XXXX, or affiliate of XXXX, XXXX, XXXX XXXX XXXX XXXX or any other entity with a financial interest in this dispute. My compensation is not contingent on the outcome of the cardholders claim. Scope of Review I conducted a professional assessment of : XXXX. The value and quality of the digital goods/services delivered relative to the total amount XXXX. XXXX. XXXX charged. The design and behavior of the in-app purchasing system, including factors that may produce excessive, non-transparent, or non-durable spending. The competitive integrity of the XXXX XXXX game environment, including the impact of widespread hacking and cheating on the value of purchased items. Any materials provided by the cardholder, including : o Purchase receipts and transaction history o Screenshots/video evidence of hacked matches o Correspondence with XXXX XXXX XXXXXXXX Terms XXXX XXXX XXXX XXXX o XXXX XXXX XXXX of hacking and enforcement issues XXXX XXXX. Public community documentation and technical discussions about XXXX XXXX persistent cheating issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC
State: AL

Complaint narrative:
XX/XX/year> my employer failed to payroll on time XXXX staffing XXXX XXXXXXXX XXXX my car was XXXX for XXXX $

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation