vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/year>, I received notice that my Chime checking account would be closed effective XX/XX/year>. The notice did not provide a specific reason for the closure. At the time I received this notification, my account reflected a positive balance and was in good standing. I contacted customer support requesting written clarification regarding the basis for this decision but did not receive a detailed explanation. I respectfully request a formal review of this closure and reconsideration of the decision to terminate my account. If there are specific concerns related to account activity, I am willing to provide clarification or documentation as needed. I am seeking transparency regarding the reason for this action and would appreciate the opportunity to resolve any issues so that my account may remain open.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Alliance, Inc.
State: GA

Complaint narrative:
Re : Debt Validation Request Referee / Account Number : XXXX To Whom It May Concern, I am writing in response to your correspondence regarding the above-referenced account. This letter serves as a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I dispute the validity of this debt and request that you provide proper documentation to substantiate your claim. Specifically, please provide the following : The name and address of the original creditor. The complete account number associated with the original creditor. The total amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and any other charges. Copies of any agreements, contracts, or documents bearing my signature that establish my legal obligation to pay this debt. Proof that Second Alliance has the legal right to collect this debt, including a copy of the assignment contract or bill of sale showing transfer of ownership from the original creditor to your company. The date of the alleged default and the date the debt was obtained by your company. Proof that this debt is within the applicable statute of limitations. During the validation period, all collection activity must cease, including reporting or verifying this account with any credit reporting agency. If this account has already been reported, please note that it must be marked as disputed until validation is provided. If you are unable to provide the requested documentation, please remove this account from your records and from any credit reporting agencies to which it has been furnished. This request is not an acknowledgment of liability, nor is it a refusal to pay, but a request for verification as provided by law. Please respond in writing only. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: KY

Complaint narrative:
Payments made and not showing, inaccurate due amount for XXXX XXXX Payments were made then reversed. Account is showing a returned check XXXX XXXX along with more fees that wasn't even authorized by me and didnt reach my back at XXXX. Inaccurate payment info and balance. These inaccurate reports has destroyed my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am disputing a {$48.00} gas station charge that I did not complete and for which I did not receive any goods or services. I attempted to purchase gas, but due to unsafe conditions at the gas station, I never pumped gas and left the location without completing the transaction. Despite this, a {$48.00} charge posted to my account. I filed a dispute with Bank of America, but the dispute was denied without requiring the merchant to provide proof that fuel was dispensed. I was not provided pump transaction records or documentation showing that gas was actually delivered. The amount charged is higher than my typical gas purchases, which are usually between {$3000.00}. I am requesting a reinvestigation, reversal of the charge, and that Bank of America require the merchant to provide proof that fuel was dispensed.

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 2026-02-19 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: GA

Complaint narrative:
XX/XX/year> I began receiving notifications that my card was being used. {$9.00} at XXXXXXXX XXXX XXXX {$640.00} XXXX {$1300.00} XXXX {$610.00} XXXX XXXX XX/XX/year> {$52.00} XXXX XXXX XXXX XX/XX/year> {$6.00} XXXX {$750.00} XXXX XXXX {$140.00} XXXX {$140.00} XXXX {$250.00} XXXX XXXX {$960.00} XXXX {$160.00} XXXX {$5.00} XXXXXXXX XXXX {$26.00} XXXX XXXX XXXX {$3.00} XXXX XXXX I attempted to use their text service to dispute and it would not work. I sent an email asking for my card to be cancelled on the XXXX and clearly nothing happened as it continued to be used fraudulently. There are {$6300.00} worth of charges on my account which has been closed so I cant even see them now. I have re-asserted my dispute as I received notification that these charges were being readded to my account. It impossible to get someone on the phone and the chat service is infuriating to deal with and you just end up getting passed around to multiple people without resolution. I included a screenshots of the email I sent saying that the charges on the XXXX were fraud and that I wanted the card cancelled and will include those here as well. I am attempting to reassert the dispute and as the screenshots will show, the chat wont even allow me to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: TX

Complaint narrative:
Several charges were made against my Chime credit builder which were approved for gambling. These charges were back to back and were initially declined then approved. Not once did chime try to contact me to verify it was me. This went on from XX/XX/XXXX through XX/XX/XXXX. I did not realize what was going on. I just kept adding money to my account transferring thinking charges were going out on auto XXXX XXXX. When I finally took a moment to look at it. I realized these were gambling charges, and there were fraudulent charges that I did not authorize. They total {$470.00}. I disputed it too if not three times and I just said everything looked fine. This is a terrible situation as I am XXXX going onto XXXX XXXX XXXX and this is my retirement check, which is a good chunk of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I NEVER REQUESTED ACCOUNT CLOSURE! I SENT A SECURE MESSAGE TO CHASE ABOUT MY PENDING TRANSACTIONS NOT ACCOUNT CLOSURE! ONCE I TRANFERRED MONIES INTO THIS ACCOUNT I RECIEVED A MESSAGE STATED THAT THEYVE RECIEVED MY REQUEST TO CLOSE MY ACCOUNT AND THAT CHASE HAS STARTED THE PROCESS! I NEVER REQUESTED THIS TO HAPPEN AND I HAVE PROOF OF MY COMMUNICATIONS ABOUT MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
In XX/XX/year>, I entered into a partial payment settlement agreement with Portfolio Recovery Associates regarding account ending in XXXX. Under the terms of the settlement, I agreed to make partial payments as outlined in the settlement offer, and I have been making payments as agreed. Despite complying with the settlement terms, the account continues to be reported as open. Based on the settlement agreement, this account should reflect accurate reporting consistent with the agreed resolution. If the account is being paid under a settlement arrangement, it should not be inaccurately reported in a manner that misrepresents its status. I am requesting that the account be updated to accurately reflect the settlement agreement and payment status, or closed as appropriate under the terms of the agreement. Please investigate this matter and correct the reporting accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
In XX/XX/year>, I entered into a settlement agreement with Portfolio Recovery Associates regarding a XXXX XXXX credit card account ending in XXXX. The agreed settlement amount was paid in full as negotiated. The debt has been satisfied pursuant to that agreement. However, the account continues to be reported as open with a balance due. This is factually inaccurate and constitutes improper credit reporting. There is no outstanding balance owed. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers are legally obligated to report information accurately and to promptly correct any information that is incomplete or misleading. Reporting a balance after the account has been settled and paid violates these obligations and is materially damaging to my credit standing. I am demanding that Portfolio Recovery Associates immediately : Update the account to reflect a XXXX balance Report the account as settled and closed Cease any reporting that indicates an outstanding balance Ensure corrections are made with all consumer reporting agencies If this matter is not corrected promptly, I will pursue all remedies available to me under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AZ

Complaint narrative:
This complaint is about Chime. So on XX/XX/year> I bought myself a {$250.00} XXXX XXXX XXXX gift card for XXXX thinking I could use it come the new year. On XX/XX/XXXX I went with my mom to the XXXX XXXXXXXX XXXX and my mom decided last minute it would be easier at the time to just pay the bill for the both of us however when I presented my gift card to add as a credit they told me it was a different building or old location where the gift card functions they dont have access to anymore. This is not a chain to be clear, its one location and they relocated and something may have went wrong in the process. The ladies at the counter were trying to figure out how to use it and explained the situation to me. The staff at the front desk told me to just dispute this with your bank, I was fine either way and my mom paid the bill regardless for the both of us. I filed a dispute immediately with Chime and spoke with someone over the phone to file it. I gave the information immediately and added a supporting document showing the receipt supporting my claim. Ive waited until now XX/XX/XXXX and just received an email and notification that my claim was denied. I even followed up about the delay in between all this and they said theres nothing they can do and that it takes a while. I just want to figure out how to receive my funds back given this situation. I thought they would be able to handle it the same day given how prompt my claim was and the supporting documents I had. I dont really know what more evidence I need to support this and I truly believe this is Chime purposely withholding money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY

Complaint narrative:
I am submitting this complaint to request the immediate closure of my Wells Fargo XXXX Checking account. I currently reside XXXX XXXX XXXX XXXX and have been unable to contact Wells Fargo to close my account. Wells Fargo does not provide an accessible written customer service channel such as secure messaging or email for my situation, and all available support options require calling U.S. phone numbers or visiting a branch in person. I am unable to place U.S. phone calls XXXX XXXX and can not visit a U.S. branch. I have already transferred out all funds, and the account balance is now {$0.00}. Despite this, I have no way to formally request closure or receive written confirmation that the account will not incur future fees or remain open indefinitely. Because Wells Fargo has not provided a reasonable method for an international customer to close an account in writing, I am requesting assistance through the CFPB. I am requesting : Immediate closure of the checking account Written confirmation that the account balance is {$0.00} and no further fees will be charged Written confirmation that the account has been permanently closed with no negative reporting or future obligations I request that this matter be handled entirely in writing due to my inability to contact U.S. phone numbers XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash App was notified of fraud and did nothing to stop it. The let the fraud happen when they could have stopped it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Self Financial Inc.
State: AZ

Complaint narrative:
Self credit builder account and a self credit card account with a deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Dear PayPal credit ( Synchrony bank ), I am writing to formally object to PayPals handling of a clear and documented scam transaction that occurred on XX/XX/XXXX, and to put PayPal on notice of escalation due to repeated and unjustified denial of my dispute. XXXX ID : XXXX On XX/XX/XXXX, I was contacted via XXXX by an individual offering a professional resume review service. That individual referred me to a seller on XXXX, where I made a payment of {$56.00} USD using PayPal credit for the service. After payment was made The XXXX seller cancelled the order. No service was delivered. The XXXX individual who initiated contact disappeared entirely. The XXXX sellers account appears to be a recently created account, registered from XXXX, using a stolen or misleading profile image of a XXXX XXXX while advertising fixing XXXX resumes a combination that clearly raises red flags and strongly indicates fraudulent intent. I submitted all available and relevant evidence to PayPal credit via mail, including transaction details, screenshots, and communication records. Despite this, PayPal credit denied my dispute, without Providing a clear or meaningful reason, Requesting additional information, Or making any attempt to contact me for clarification or follow-up. This handling is unacceptable and represents a serious failure of Synchrony bank customer protection and dispute resolution obligations. A denial without explanation or investigation in a case with multiple obvious indicators of fraud is not only negligent but undermines trust in PayPal credit platform and policies. As a result of PayPals inaction, I have filed a complaint with CFPB. That step is the last resort before taking legal action against PayPal for failure to provide reasonable consumer protection and due process. While the disputed amount is {$56.00}, the principle is not the amount but the precedent. I am fully prepared to pursue legal remedies even if the cost exceeds the disputed sum. I am requesting immediate reconsideration of this dispute by a qualified reviewer, along with a written explanation of the prior denials. Failure to address this matter promptly will leave me no choice but to proceed with further legal and regulatory escalation. Please treat this correspondence with the seriousness it warrants. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
So i applied for barclay XXXX card. I put my phone number in wrong. I called them to fix it. Now my application was pending. Happened on XXXX XXXX. I was told to fax them ss card, license, and bill. I did that on XXXX XXXX. Called back was told they got it and on top of it. Then told to call back at end of week. Did that and was told they never got it. So XXXX I mail all copies via certified mail, it was received XXXX XXXX. So I call back a week later again. Was told the image were too dark. Guessing now they found my fax. Was told to call back again, now the color ones sent certified can't be found. Now im being told again to re send them via mail. To top that off im told my credit will take another hard inquiry due to this. However I've sent everything they've asked for in timely manor. They are the ones dragging feet and not processing my application. I have documents from fax and the usps delivery and person who signed for it as well. I would really like to get these matters handled ASAP.

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 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I have reached out to XXXX and USBank for XXXX separate claims for {$1000.00} which is owed to me by someone who refuses to pay it back. Both claims were denied. I am now attaching proof of the debt and really do hope that this will solve any question about her oweing me the money. Please pay me {$1000.00} from the XXXX transaction completed through US Bank of {$1000.00} on XX/XX/year>. Thank you.

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 2026-02-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I tried using multiple companies to dispute these items off my credit no success so far

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: CA

Complaint narrative:
This account was reported to be opened on XX/XX/year>, by a collection agency called NTL Recovery Agency. I never received any notices through mail or email regarding this account, nor have I ever applied for funds through this company. I attempted to dispute this matter through credit karma with no success, and I was later instructed to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: OH

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding the inaccurate tracking and application of my Public Service Loan Forgiveness ( PSLF ) qualifying payment count and the lack of response from my loan servicer, MOHELA. I have diligently complied with all PSLF requirements, including maintaining qualifying employment, submitting employment certification documentation, and making consistent monthly payments on my federal student loans. I have uploaded proof of qualifying employment, tax documentation, and payment history to support my PSLF eligibility. Despite these efforts, my qualifying payment count has remained unchanged and does not accurately reflect my eligible payments. I worked for the same company from XX/XX/XXXX until XXXX XXXX in which those documents were sent but never reviewed, I have also been working for another qualifying company from XX/XX/XXXX - present along with making payments each month. And the count has not changed it all says in progress. On XX/XX/XXXX, I filed a formal case with MOHELA to investigate and correct my PSLF payment count. I was advised that I would receive a response within XXXX days ; however, as of today, I have not received any communication, update, or resolution regarding my case. My account continues to reflect an incorrect PSLF payment count, and my submitted documentation has not been properly applied or reviewed. The failure to accurately update my PSLF qualifying payment count is causing significant financial harm. Specifically, it is negatively impacting my debt-to-income ratio and hindering my ability to proceed with a planned home purchase. As a public service professional who has met program requirements in good faith, I am deeply concerned about the lack of transparency, accountability, and timely resolution. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that : My submitted PSLF documentation is properly reviewed and applied. My qualifying payment count is corrected and updated accurately. MOHELA provides a timely written response and resolution to my case. My account reflects the correct PSLF progress without further delay. I am prepared to provide any additional documentation required, including proof of employment, payment history, and prior correspondence with MOHELA. Thank you for your time and assistance in this matter. I appreciate your prompt attention and support in helping to resolve this issue.

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