vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Tilt Finance, Inc.
State: NY

Complaint narrative:
Despite my efforts in communicating with the credit bureaus and Tilt, my XXXX XXXX credit card continues to report as closed. In reality, my XXXX XXXX card is open with a credit line of {$1500.00} and has never been late. The credit bureaus continue to report to me that the credit card furnisher keeps reporting the erroneous information to them. Although Tilt sent me a letter stating that they made efforts to report the information correctly, the credit bureaus are not reflecting this data. My credit continues to be damaged as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TClub Inc
State: NY

Complaint narrative:
I am sending money via abound the times of XXXX my wife account in XXXX XXXX XXXX she didnt not receive money no customer care response no reply No refund its XXXX company I have attached my receipt and my bank statements transaction id XXXX Amount XXXX $ Date XXXX XX/XX/year> XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or misleading advertising or marketing — 
Company: TClub Inc
State: NJ

Complaint narrative:
Abound is promoting itself as offering competitive exchange rates for transferring money to XXXX. However, once a transfer is initiated, they immediately deduct the money from the senders bank account and then hold the funds for months. There is no option to cancel the transaction, and there is no proper or responsive customer service support. It has now been more than one month, and the money has still not been credited to my XXXX bank account. There is no cancellation option available, and my funds are completely locked. Customer service continues to delay the issue without providing a clear resolution.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
My tax check was {$2000.00} short of what it was suppose to.of been on my transcript it states I was getting back {$8500.00} XXXX advance refund they claimed I only got approved for that I reported about in report XXXX. I know it was XXXX XXXX XXXX ( she goes by XXXX XXXX XXXX is her maiden last name she was or still is employed at XXXX bank XXXX XXXX in XXXX Illinois married to XXXX XXXX who is the brother in law toXXXX XXXX who lied on the investigative report over my daughter XXXX being illegally taken from me like XXXX XXXX XXXX XXXX being illegally taken from me by who I thought was XXXX XXXX and XXXX XXXX ( they are really XXXX XXXX who works at XXXX XXXX and XXXX is XXXX XXXX who uses XXXX XXXX ( XXXX XXXX XXXX wanted majorly money laundering/identity theft/medicaid fraud/XXXX XXXXXXXX ( can be found at XXXX XXXX or XXXX XXXX in XXXX XXXX or XXXX XXXX XXXX XXXXXXXX XXXX ) with XXXX XXXX who us illegally at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX has now XXXX XXXX XXXX off my card via usingvan account in XXXXXXXX XXXX name XXXX XXXX name XXXX XXXX or XXXX XXXX ( highly wanted class XXXX XXXX warrant ) and XXXX XXXX and XXXX XXXX name XXXX Possibly even XXXX XXXX who they are trien to trai. To hack into peoples stuff and bank accounts. With the help.of XXXX XXXX and XXXX XXXX. Who's.mother lives on XXXX XXXX in XXXX XXXX.they won't stop helping themselves to my finances and XXXX XXXX I even over heard they made an acvpunt in my name and have been transferring funds from XXXXXXXX XXXX XXXX bank in XXXX I'll account to set me up .. XXXX has been stealing illegal child XXXX and plans on.stealingy state taxes like she did last year. XXXX even uses her mother 's bank accounts in her old name XXXX XXXX she goes by XXXX XXXX now married to XXXX XXXX.. They afain even habe XXXX XXXX XXXX XXXX XXXX XXXX stealimg my housing vouchers my ubemploent ( XXXX XXXX XXXXXXXX XXXX area ) my XXXX XXXX and they are XXXX XXXX XXXX my XXXX next ) i even over heard when i buy a car XXXX XXXX plans on rujning it or running me off the road like he did XX/XX/year> when he totalledy car but XXXX helping them steal my tryst fund inheritances XXXX life insurance policies left to me by falsifien identity and power of attorney documents even incarceration falsification. Papers on me. .XXXX is XXXXXXXX XXXX and XXXX XXXX is even involved. Please make them stop .. Retrieve what's rightfully mine and XXXX XXXX and brimg y children he to me as well

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: PA

Complaint narrative:
I am writing to formally lodge a complaint regarding a highly concerning issue with a fund transfer from my XXXX account to my XXXX account via abound XXXX XXXX XXXX XXXX. - Transaction Details : - Transfer Date : XX/XX/2026 - Amount : {$1100.00} - Promised Conversion Rate : XXXX XXXX - Delay : 21 days Despite the application showing that the funds were delivered, they have never reflected in my XXXX bank account. I have made multiple attempts to reach your support team, both via email and the customer support option in the app, but have received no response. This lack of communication and resolution is unacceptable.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: FL

Complaint narrative:
lam requesting that the HIPAA covered enty or ts business associate provide debt validation from an account in question Please provide that validation in the form of agreement, and onginal bill. an detailed statement of procedures is required, any Please provide a breakdown of fees, incuding any colection costs and medical charges, if any Please provide a copy of my signature with the provider of service to release my medical information to you Please provide a report of comparative analysis between the dubious signature and the signaty recognized by the alleged signer, if any Cease any credit bureau reporting unti the debt has been validated by me Please provide me with a verifed certificate of authority, and proof that your company is licer collect debt in my state Kindly provide me with a license number and registered agent or age service Finaly. please provide an affidavt signed under penaltly of perjury that your organzation has not violated and portion FCRA FDCPA or HIPAA Account number XXXX Date opened XX/XX/XXXX Status updated XX/XX/XXXX {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: FL

Complaint narrative:
L J ROSS & ASSOCIATE Account number XXXX I'm unaware of this debt and didn't have the opportunity to dispute the account if you believe you sent proper notification please provide certified mail with receipt displaying my signature if not please delete this account as soon as possible from my account or I will have to take legal action Date opened XX/XX/XXXX Status update XX/XX/XXXX {$2300.00}

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFERSON CAPITAL LL Account number XXXX I'm unaware of this debt and didn't have the opportunity to dispute the account if you believe you sent proper notification please provide certified mail with receipt displaying my signature if not please delete this account as soon as possible from my account or I will have to take legal action Date opened XX/XX/XXXX Status updated XX/XX/XXXX {$850.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: WA

Complaint narrative:
I initiated a transfer of {$5900.00} on XXXX XX/XX/2026 ( Transaction ID : XXXX ), and the funds are still missing. While an initial transfer of {$100.00} went through quicklyclearly intended to build trustthe moment I attempted a larger transfer, the funds became stuck. This mirrors hundreds of similar complaints already reported on the XXXX XXXX XXXX and on XXXX ( XXXX ). Customer support has been completely ineffective. I was first assured the funds would be delivered by XXXX XXXX, and since then Ive received the same scripted response repeatedly : Please wait 23 business days; were working with our banking partner ; the issue has been escalated. Support then goes silent for several days, only to resurface with the same response and no actual progress. The transaction is marked as delivered, yet nothing has been credited to my beneficiary account. I shared the requested bank statement on the same day and followed up through both the app and email, but the responses remain identical and unhelpful. There is zero accountability. The support team provided a XXXX number ( XXXX ) and asked me to verify it with my beneficiary bank. I contacted the bank directly, and they have confirmed that no such transaction exists against this XXXX, indicating that the provided reference is untraceable. This raises serious concerns about the legitimacy of the transaction handling. This app is unreliable, misleading, and mentally exhausting to deal with. Customers are left chasing their own money while the platform shows no urgency, transparency, or ownership of the issue.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
In XXXX of XXXX we applied for a heloc through rocket mortgage. We made it through all of the paperwork, credit checks etc and than heard from their underwriting team that there was a lien on our property but they had no information ie company name or phone number, account #, what type of lien etc We called several places including our county office and received a phone number to XXXX XXXX XXXX in XXXX California. Here we were informed by XXXX XXXX that we had an existing XXXX mortgage which they bought from XXXX XXXX and they were going to foreclose on our property. We had never heard from XXXX prior to us learning from Rocket Mortgage about this lien. We have asked for letters or any correspondence that they sent to us informing us of the loan and we never received anything Instead he sent us the letters that we had sent asking for a modification back in XXXX under the XXXX program. We have made good faith offers including our last offer of {$50000.00} to settle this debt ( original amount was {$36000.00} and now they are asking for {$90000.00} + ) and they refuse any of our offers. We are currently enrolled in the conciliation program in order to stop the foreclosure proceedings however the company has not followed any of the mediators requests to offer a short payoff, modification and more. We do have an attorney who also has been unable to negotiate with them. We want to put this behind us but are unable to do so given their unwillingness to be fair and offer a settlement that we can repay

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: MO

Complaint narrative:
I had my tax return deposited into Credit Karma money spend account. They constantly decline us to move money into our bank account or cashapp. Tell us nothing we can do tell us its a security risk. We cant even access the money in this credit karma account a want our money and they wont help or do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Saint Services LLC
State: MD

Complaint narrative:
I received a weird email about an application with Credit Saint ( XXXX, XXXX ). My response to them was that I was going to report them because I did make this application. After that, the initial email disappeared and I could not retrieve the so-called application number. They responded with not responding to that email address but to send all pertinent documentation to XXXX. so, I tried to send a complaint there but the email would not send and that an " error had occurred. ". I called the number but it went to a supposed voicemail that couldn't accept any messages at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: VA

Complaint narrative:
I submitted a written request and sent it priority mail with receipt ( they received and signed for it XX/XX/year> ) I requested debt validation and for them to cease phone contact as it is inconvenient for me and my cosigner and causes hardship and burden when working. They have repeatedly called all numbers associated with us within a XXXX minute window daily

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Zendable, Inc.
State: FL

Complaint narrative:
All payments need to be made within their app and their system is not sending me the link to login to my account in app. Support is useless. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Acorns Grow Incorporated
State: MI

Complaint narrative:
The tribal loans acorn and XXXX XXXX XXXX are telling me they are doing wage garnishment out of nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Monterey Financial Services LLC
State: RI

Complaint narrative:
Monterey Collection Services ( " Monterey '' ) purchased debt from a Mexican Timeshare ( XXXX XXXX XXXX XXXX ). I had this debt discharged through my lawyers, years before it was sold. Currently Monetery submitted to Experian and my credit is negatively impacted now. I have the documentation showing the debt was discharged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Asset Recovery Bureau LLC
State: WI

Complaint narrative:
I agreed to settle a debt and they accepted the debt and I told them I paid this amount of money for an agreement but they rejected it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Island Portfolios Services, LLC
State: PR

Complaint narrative:
In XX/XX/XXXX, I received a collection notice regarding an alleged personal loan that had originally charged off in XX/XX/XXXX. The balance listed at charge-off was {$4800.00}. Between XX/XX/XXXX and XX/XX/XXXX, I made a total of 33 payments to the law firm collecting on behalf of the creditor, totaling {$2000.00}. These payments were made consistently by money order and credit card. During communications with representatives of the collecting law firm, I was informed that the payments being made constituted a final settlement arrangement. Based on those representations, I continued making payments in good faith. No new contract or written agreement was ever signed. On XX/XX/XXXX, I received another collection letter claiming a remaining balance of {$2700.00}. Within the 30-day period required under the Fair Debt Collection Practices Act, I formally disputed the debt in writing and requested full validation, including a copy of the original signed contract, a complete payment history, proof of legal ownership and assignment of the debt, and documentation supporting the current balance. I also requested that all future communications be made strictly in writing. Despite my timely written dispute and request for validation, collection efforts have continued. Additionally, multiple entities have been referenced as owners or servicers of the account without providing clear documentation demonstrating legal ownership or proper assignment of the debt. To date, I have not received complete validation as requested, yet the company continues to pursue collection.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: MO

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX Re : Complaint Against Chime Financial , Inc. / XXXX Bank XXXX XXXX. Account : XXXX XXXX, Card # XXXX, XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, IA XXXX Dear CFPB, I file this formal complaint against Chime for repeated unauthorized deductions from my protected XXXX benefits despite explicit instructions and dispute : 1. * * XX/XX/XXXX * * : {$1100.00} XXXX deposit immediate {$1100.00} unauthorized transfer to Secured Deposit Account + {$240.00} MyPay repayment + {$10.00} instant fee deducted ( XX/XX/XXXX statement attached ). 2. * * XX/XX/XXXX ( recent ) * * : New ~ {$1100.00} XXXX deposit {$200.00} MyPay repayment deducted despite my XX/XX/XXXX dispute email demanding NO further deductions from XXXX ( prior email attached ). * * Violations * * : - Unauthorized Split Direct Deposit / Safer Credit Building autopay ( never opted in ) - Illegal garnishment of protected XXXX benefits ( federal law violation ) - Ignoring active disputecontinued unauthorized transactions - False {$330.00} Credit Builder balance holds {$300.00} available credit hostage * * Requested Relief * * : 1. Full reversal : {$1100.00} + {$250.00} ( XXXX ) + {$200.00} ( XXXX ) = $ XXXX to Checking Account 2. Permanent disable ALL automatic transfers/payments ( Split DD, MyPay, SpotMe, autopay ) 3. Release all holds on {$300.00} Credit Builder available 4. Investigation into systemic XXXX violations Chime has not responded to my XX/XX/XXXX dispute ( 3 days ). This repeated pattern despite notice constitutes willful violation. I request expedited handling due to ongoing harm. Attachments : - XX/XX/XXXX Chime statement ( XXXX ) - XX/XX/XXXX dispute email to XXXX - App screenshots of recent {$200.00} deduction [ add if available ] Thank you for your urgent attention. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Results Unlimited, Inc.
State: VA

Complaint narrative:
Very rude wasn't helpful at all I called to get information regarding a debt from previous rental sumlords of frye properties and sterling oaks who was still charging me rent in a infested apartment illegal evictions illegal lock changes this lady decided to hang up on me because I dont have a home address due to me being homeless never gave any information to.help.me resolve the debt at all XX/XX/year>XXXX XXXX XXXX of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NM

Complaint narrative:
Advantage student loan shows a balance of {$9300.00}. That is incorrect, due to XXXX XXXX XXXX showing {$0.00} balance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
RESURGENT/LVNV FUNDING Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/2025 Status Collection account. {$1.00}, XXXX past due as of XX/XX/2025. Status updated XX/XX/2025 XXXX {$1300.00} XXXX updated XX/XX/2025

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have received not 1 but 2 different cards from citi bank without my knowledge. I have called them and requested they be turned off immediately. There was however a charge on 1 of the cards and I told them I refused to pay ( {$350.00} ) and that the card needed cancelled or blocked. I refused to give my ssn to them over the phone and it became a transfer nightmare from one person to the next. I just want them to resolve this and quit sending me statements like they are mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief