vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Chime Financial Inc
State: TX

Complaint narrative:
I use my Chime credit card because I'm told it's supposed to help build my credit but hasn't. I've submitted 3 disputes and each one has been closed and no money refunded even with documentation. CHIME doesn't have a physical bank and my issue is not having my funds refunded equal to {$890.00}. If this is not handled now I might consider lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to dispute the information contained in my TransUnion credit report, dated XX/XX/XXXX. Below are the accounts that I believe to be either incorrect, incomplete, or unverifiable. I request that these items be investigated under the Fair Credit Reporting Act ( FCRA ). Personal Information : Name : XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Current Address : XXXX XXXX XXXX, XXXX, AL XXXX Disputed Accounts : 1. Account Information Dispute Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} Status : Negative FCRA Violations : FCRA Section 609 : The creditor has failed to provide verification of the account. FCRA Section 611 : Incomplete investigation of disputed information. FCRA Section 623 : The creditor has failed to ensure accurate reporting. 2. Collection Account Dispute Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} Status : Negative FCRA Violations : FCRA Section 609 : The creditor has not verified the debt. FCRA Section 611 : Information reported inaccurately. FCRA Section 623 : The creditor has failed to report accurate information. 3. Inquiry Dispute Inquiry Date : XXXX ( XXXX XXXX ) FCRA Violations : FCRA Section 604 : Unauthorized inquiry. FCRA Section 605B : This inquiry must be removed as it was not authorized. Data Breach Concerns : I believe my personal information may have been compromised due to a data breach. I request an investigation under FCRA Section 605A to ensure the accuracy of my information.

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
Consumer complaint received 2026-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CarMax, Inc.
State: DC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Date : XX/XX/XXXXXXXX To : Dispute Department XXXX XXXX XXXX, XXXX | XXXX XXXX XXXX, XXXX, GA XXXX XXXX | XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXXXXXX | XXXX XXXX XXXXXXXX, XXXX, PA XXXX RE : FORMAL DISPUTE MOHELA/DOFED ACCOUNTS ( ACCOUNT AUDIT REQUEST ) To Whom It May Concern, I am writing this formal letter to dispute the accuracy of five specific accounts being reported under the name Mohela/Dofed on my credit file. I am exercising my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) to demand a full investigation and verification of the following reported data. Specifically, I am disputing Account Number XXXX opened on XX/XX/XXXX, with a reported balance of {$3500.00}. I am also disputing Account Number XXXX opened on XX/XX/XXXX, with a reported balance of {$2100.00}. Furthermore, I am disputing Account Number XXXX opened on XX/XX/XXXX, with a reported balance of {$1100.00}. Additionally, I am disputing Account Number XXXX opened on XX/XX/XXXX, with a reported balance of {$700.00}. Finally, I am disputing Account Number XXXX opened on XXXX XXXX, XXXX, with a reported balance of {$330.00}. Under the Truth in Lending Act ( TILA ), any creditor reporting a balance is required to provide accurate and transparent disclosures regarding the calculation of principal and interest. I am challenging the accuracy of the balances listed for every single account number mentioned above. I demand that you verify the " Date Opened '' for each individual loan and provide the original electronic data file from the furnisher that proves these balances are 100 % accurate as of this date. Under FCRA Section 611 ( 15 U.S.C. 1681i ), you are required to conduct a " Reasonable Investigation '' into these items. If any of these account numbers can not be verified with the original signed promissory notes and a full accounting of all interest accruals, they must be deleted from my credit report immediately. Merely " verifying '' that the furnisher 's records match your records is not a sufficient investigation under federal law. Please provide a written response within 30 days detailing your findings and the " Method of Verification '' used to confirm these specific balances. I am fully prepared to escalate this matter via the CFPB.com portal if your agency fails to comply with the statutory requirements for accuracy. Sincerely, ( Signature ) XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: OR

Complaint narrative:
I opened an account with Sofi. I direct deposit my paycheck, got the first one and then the XXXX month my account got restricted. They told me they were going to close my account and that I would need to wait 30 days to process, and then they would mail me a check with the funds in my checking from my job. I kept calling them back for months and they keep telling me I needed to wait until the account is closed. I called last week of XXXX, they told me my account is closed but Im not eligible to get my money. I told them they needed to send me my money because that isnt theirs, and its from my job that direct deposited it in my Sofi account. I am so disappointed with this Bank. They never told me the reason for my account being restricted, I was able to use it for a month and even had funds and then they just wont help me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: NV

Complaint narrative:
This is a dispute for tailored suits in XXXX, XXXX. I attempted to cancel the service a couple hours after the purchases were made, but the merchant declined. The merchant was supposed to complete a 2nd fitting for the suits the following day, but did not. The merchant sent the merchandise, unfinished. Wells Fargo is declining to reopen my appeal as goods " Not as described. '' XX/XX/XXXXXXXX XXXX I filed a dispute through Wells Fargo under " Cancelled service or merchandise '' as instructed by the Wells Fargo representative. At the time, this was the correct dispute type because I did not have the products on hand. The merchant was going to ship the products to XXXX XXXX, Nevada. XX/XX/XXXX - I received unfinished products from the merchant, 2 months late. The products do not fit because the merchant could not complete a second fitting. To add, this merchant has multiple reviews online as being fraudulent. XX/XX/XXXX - Wells Fargo advised me the merchant declined my dispute because they do not accept returns. I reached out to the merchant to attempt to return the unfinished products, they did not respond. XX/XX/XXXXXXXX XXXX Wells Fargo filed a 2nd attempt on my behalf as " Cancelled service or merchandise. '' XX/XX/XXXXXXXX XXXX I was advised by Wells Fargo they were denying my dispute because I received the products from the merchant and the merchant declined to refund. I communicated to the representative that this is not an issue of cancelled services anymore. I reinforced that the products were received but unfinished and not as described. Wells Fargo told me they will not be opening another dispute with XXXX because I started my dispute as " Cancelled Service. '' I communicated to the representative that the unfinished products is new evidence and a new dispute should be opened but Wells Fargo still declined. I voiced my frustration because the 2nd dispute should have been opened as Not as described.

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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXXXXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank Name 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 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 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 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 XXXX XXXX XXXXXXXX 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. Thank you for your assistance. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
They continue to call me 10 to 15 times per day. I have asked them not to call me back and they continue to call. They will not leave a message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Issue : Denial to open deposit account without clear explanation Complaint : I am filing this complaint regarding inconsistent and unclear information I received from Chase Bank. I recently attempted to open a joint checking account with my husband at a local Chase branch. I brought my valid U.S. passport as identification. The banker informed me that I was banned from the bank and could not open any deposit accounts. This was very concerning because : I have never had a negative balance with Chase. I previously closed two accounts voluntarily, but they were not closed in negative status. I currently have an active Chase credit card account in good standing. After being denied at the branch, I contacted Chase customer service by phone. The representative reviewed my profile and stated that there were no restrictions, no flags, and nothing in the system indicating that I am banned or restricted from opening a deposit account. I was told that everything appeared clear on their end and that the branch should explain the issue. This conflicting information has left me confused and concerned. I am requesting : 1. A written explanation of why I was denied the ability to open a deposit account. 2. Clarification on whether any internal restriction exists. 3. If a restriction exists, the specific reason and how it can be resolved. 4. Confirmation of whether this denial is temporary or permanent. I believe I deserve transparency and a clear explanation, especially since customer service stated that no restrictions appear on my profile. Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation
State: MA

Complaint narrative:
I am a Massachusetts resident who took out a short-term installment loan online to cover unexpected expenses. I fully intended to repay the loan but I am now trapped in a cycle of debt due to the extremely high interest rate. I borrowed XXXX dollars on XX/XX/year>. The APR is 614.35 percent and I am scheduled to repay XXXX dollars over XXXX weekly payments. That is over XXXX dollars in interest and fees on a XXXX dollar loan. This lender is not licensed in Massachusetts. Massachusetts caps small loan interest rates at 23 percent APR. This loan exceeds that cap by an enormous margin. The lender claims tribal sovereign immunity to avoid Massachusetts consumer protection laws. I have already made XXXX weekly payments of XXXX dollars totaling XXXX dollars. Despite paying nearly XXXX dollars on a XXXX dollar loan the vast majority of that has gone toward interest rather than principal. The weekly payments are consuming a significant portion of my income and I am falling further behind. I revoked my ACH authorization on XX/XX/year> and received written confirmation from the company that same day. I would appreciate any guidance on what steps I should take to protect myself from further collection activity related to this loan.

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 2026-03-02 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: MI

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services
State: CA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing this complaint regarding Capital Ones handling of a disputed {$2900.00} XXXX transaction. This dispute involves a flat-rate service agreement. After payment was made, the merchant stated the work had taken longer than expected and demanded additional compensation. No consent was given for expanded scope or time-based billing, and no revised agreement was executed. I terminated the services after the merchant materially altered the agreed pricing structure. Capital One has refused to pursue the dispute unless I provide a refund voucher. However, this dispute is not based on a promised refund. It is based on material alteration of agreed terms and services not as described. No refund policy was disclosed prior to payment. Capital One appears to have evaluated this matter solely under a refund not processed standard rather than under services not as described / contractual misrepresentation. The case was closed shortly after documentation was uploaded, raising concern that the evidence was not substantively reviewed. I am requesting that Capital One : Clarify under which dispute category this claim was evaluated. Confirm whether it considered services not as described / material alteration of agreement. Conduct a substantive review of the provided documentation. I am not requesting special treatment. I am requesting proper evaluation under the appropriate dispute framework.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Scratch Financial, Inc.
State: TX

Complaint narrative:
On XX/XX/year> I applied for {$790.00} from Scratchpay to pay a veterinarian bill. I was denied this amount. Per the adverse action notice I received, I contacted Scratchpay customer service for a statement of specific reasons why my application was denied. I received an email on XX/XX/year> stating, " Thank you for your recent Scratch XXXX application. Your request for a loan was carefully considered, and we regret that you were not eligible for a payment plan at this time, for the following reason ( s ) : Your Application did not score a sufficient number of points for approval of the application. '' I replied, " Your application did not score a sufficient number of points for approval of the application is not a specific reason. What are the points? And what did I not score enough of? I hope you can understand this. '' Scratchpay then replied, " We're sorry if we can not provide a payment plan at this time. While we aim to make sure we can help, there are instances when an application does not meet our criteria for approval. We consider several factors in deciding if an application qualifies for a payment plan, and a credit profile is one of the key factors that we look into. Unfortunately, the application submitted did not meet the criteria for an approval. We regret to inform you that our application process is automated, and we don't have any exceptions to the process. '' I believe this is in violation of 12 CFR Part 1002, Paragraph 9 ( b ) ( 1 ). I was never provided with a specific reason beyond that I did not achieve a qualifying score on the creditor 's internal scoring system. This reasoning is not sufficient.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation