vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TN

Complaint narrative:
This concerns the online bank Chime. I had {$900.00} in my savings account on the date XX/XX/year>. I used my Chime account get paid by friends and family and I've sent money to others to help in their situations. My finances are completely legitimate and nothing illegal happened to justify the closure of my account. On that date of XX/XX/year>, I got the notification that my account was being forced to close. I called Chime 's customer service and they provided professional assistance, but they apologized that they could not find the reason why my account has been targeted for closure and that they could not prevent it. This is very unfair because Chime has been my financial lifeline and I would not do anything ill to justify it being closed. I have had my account for years. The company seems to lack any understanding that people 's lives depend on these financial services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-07 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am filing this complaint regarding XXXX XXXX handling of a charge dispute involving merchandise that was materially not as described. I purchased a handbag that was represented by the seller as being in a specific condition and matching the photographs and description provided in the listing. Upon receipt, I found significant discrepancies between the item described and the item received. The condition and characteristics of the item did not match the sellers representations. I promptly notified the seller and subsequently opened a dispute with American Express, providing supporting documentation, including photographs, screenshots of the original listing, correspondence with the seller, and evidence demonstrating that the item received differed materially from what was advertised. Despite providing this evidence, American Express denied my dispute or otherwise failed to adequately address the discrepancies between the advertised item and the item received. I do not believe that the evidence I submitted was properly evaluated. The decision appears to have relied primarily on the sellers position while giving insufficient consideration to the documentation I provided. My complaint is not simply that I was dissatisfied with the purchase. Rather, I contend that the merchandise received was materially different from the merchandise described at the time of sale and that American Express failed to conduct a fair and reasonable investigation of my billing dispute. I am requesting that American Express conduct a thorough review of the evidence submitted, explain the basis for its decision, and reconsider the dispute in light of the documentation demonstrating that the item received was not as described. I have attached supporting documentation, including the sellers listing, photographs of the item received, correspondence, and dispute records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OneMain Finance Corporation
State: MS

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Dispute of Alleged Debt and Improper Credit Reporting To Whom It May Concern : I am writing to dispute the alleged debts that your company is reporting under account number ( XXXX ) Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), as amended by Regulation F, including 12 CFR 1006.34, debt collectors are required to provide consumers with a validation notice containing the information required under 12 CFR 1006.34 ( b ), including the disclosures set forth in 1006.34 ( b ) ( 5 ) regarding the consumer 's rights to dispute the debt and request original creditor information. To date, I have not received a compliant validation notice containing the information required by 12 CFR 1006.34 ( b ) ( 5 ). Despite your failure to provide the required validation information, your company has furnished information concerning this alleged debt to consumer reporting agencies. Because you have failed to provide the required validation information and have not established the accuracy and completeness of the information being reported, I dispute the validity of this alleged debt in its entirety. Accordingly, I request that you : Provide competent evidence that I am legally obligated for this debt ; Provide a complete copy of the validation notice required by 12 CFR 1006.34 ; Provide documentation showing the amount claimed is accurate ; Identify the original creditor and provide documentation establishing your authority to collect ; Cease reporting this account to any consumer reporting agency until the dispute is properly investigated and resolved ; and Request deletion of any inaccurate or unverifiable information currently being reported. If you can not provide sufficient documentation validating this debt and demonstrating compliance with applicable federal law, I request immediate deletion of the account from all consumer reporting agencies to which you have furnished information. This letter is not a refusal to pay but a notice that I dispute the debt and request validation and investigation of the information being reported. I reserve all rights and remedies available under the FDCPA, the Fair Credit Reporting Act ( FCRA ), Regulation F, and applicable state and federal law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> Truist Bank Customer Service Department Subject : Formal Dispute of Unauthorized Withdrawal of {$680.00} from My Savings Account To Whom It May Concern, I am writing to formally dispute the unauthorized withdrawal of {$680.00} from my savings account and to request immediate reimbursement of these funds. Prior to this withdrawal, unauthorized transactions occurred on my checking account. I promptly reported these transactions to Truist Bank and expected the matter to be investigated and resolved. However, instead of reimbursing me for the unauthorized activity, Truist Bank withdrew {$680.00} from my savings account without my authorization, consent, or prior notice. I did not authorize this withdrawal, nor was I informed in advance that funds would be removed from my savings account. As a customer, I believe that this action violated my rights and caused me financial hardship and inconvenience. I respectfully demand : Immediate reimbursement of the {$680.00} withdrawn from my savings account. Payment of any interest that would have accrued on these funds had they remained in my account. A complete written explanation detailing the basis for the withdrawal and the authority under which Truist Bank acted. A full review and investigation of the unauthorized transactions that were originally reported on my checking account. I expect a written response within a reasonable timeframe. If this matter is not resolved promptly, I reserve the right to file formal complaints with the appropriate regulatory agencies, including the Consumer Financial Protection Bureau ( CFPB ), the Office of the Comptroller of the Currency ( OCC ), and any other applicable consumer protection authorities. I value my relationship with Truist Bank and hope this matter can be resolved fairly and promptly. 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 explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I am filing a formal complaint against PayPal , Inc. regarding an automated permanent account limitation that was placed on my profile incorrectly, locking my legitimate funds and disabling my access to multiple PayPal-issued credit/debit cards.I recently updated my legal profile name to match my government-issued photo identification and successfully completed PayPal 's identity verification process. Immediately following this, I attempted to send a {$470.00} cross-border transaction of PayPal USD ( PYUSD ) using the XXXX network to an external wallet. The automated security system flagged this combination of a name update and a network XXXX transfer as suspicious, immediately shutting down my account with a permanent restriction.The transaction was completely blocked and never went through ; the {$470.00} in XXXX remains safely held within my internal PayPal balance. The funds used to purchase this asset originated entirely from my own verified, linked XXXX bank account.Because this was a false-positive flag generated by an algorithm, I am requesting that a human compliance officer manually audit my identity documents and transaction history to restore full functionality to my account and cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: AK

Complaint narrative:
I have a PayPal Credit account issued by Synchrony Bank. On XX/XX/year>, I contacted support via chat and asked whether I would be charged interest if I paid my full balance. I was told I would not. I paid my full balance the same day. I was subsequently charged {$130.00} in interest. When I contacted chat support to request the transcript documenting this, I was told they do not have the option to send the chat transcript. I am requesting that Synchrony produce the XX/XX/year> chat transcript from their records and reverse the {$130.00} interest charge, as I made my payment based on incorrect information given by their representative.

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 2026-06-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: OH

Complaint narrative:
XX/XX/year> XXXX $ no action was taken didn't know about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, Radius Global Solutions opened a collection account on my credit report for {$750.00}. This debt is not mine. I have no knowledge of what this debt is for. I never received any validation letter. I disputed this debt in writing in XX/XX/XXXX. Radius Global Solutions never responded and never provided proof. The account remains on my report. I am requesting immediate deletion. Complaint # XXXX Radius Global Solutions ( {$750.00} ) Complaint Type : Debt collection Company Name : Radius Global Solutions LLC Company Address : _______________________________ Issue Description : Radius Global Solutions opened a collection account on my credit report in XX/XX/XXXX for {$750.00}. I have no knowledge of this debt. I never received any validation letter explaining what this debt is or why it is on my report. I have requested validation. Radius has not responded and has not provided any proof of the debt, including : Original creditor name Date of first delinquency Signed contract or application Reporting an unverified debt is a violation of the FDCPA and FCRA. Requested Resolution : Delete this account from all credit bureaus immediately.

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 2026-06-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
While Fair Collections & Outsourcing provided a copy of a lease agreement, I continue to dispute the accuracy of the balance being reported. The documentation provided does not sufficiently explain how the reported amount of {$17000.00} was calculated. I am requesting a complete itemized accounting showing all charges, payments, credits, adjustments, rental assistance funds, and any other amounts applied to the account. I also dispute the accuracy and completeness of the information being furnished to the consumer reporting agencies. If the balance can not be fully substantiated and verified as accurate, I request that the account be corrected or removed from my credit reports.

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 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST PORTFOLIO SERVICING INC
State: NV

Complaint narrative:
Re : Account Number XXXX To Whom It May Concern : I am disputing your reporting of the above-referenced account. Under 15 U.S.C. 1681s-2 ( a ) ( 7 ), furnishers of information have obligations regarding notices provided to consumers. I have never received any notice, correspondence, or communication from your company concerning this account. Therefore, I request that you provide : Copies of all notices allegedly sent to me. The dates such notices were mailed. The address to which they were mailed. Proof that the notices were actually sent. Documentation showing your compliance with all applicable requirements of the Fair Credit Reporting Act. If you can not provide evidence that the required notices were sent and that your reporting is accurate and verifiable, I request that you immediately delete the account and cease furnishing information concerning this account to any consumer reporting agency. This letter serves as a formal request for investigation and validation of the information you are reporting. Please provide a complete written response and supporting documentation within 30 days. I reserve all rights and remedies available under federal and state law. Sincerely, XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I am disputing an alleged debt that the collector is reporting without providing legally required validation. I requested full validation under FDCPA 809 and FCRA 623, including the original signed contract, complete itemized accounting, proof of XXXX, and chain of title. The collector has continued reporting and/or updating the account without providing validation. This is a willful violation of federal law. I am requesting CFPB intervention to require the collector to either provide full validation or delete the account from all credit bureaus.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First National Collection Bureau, Inc.
State: LA

Complaint narrative:
I am disputing the accuracy of this account. First Premier Bank is reporting this account as a charge-off and continues to update the account monthly, which I believe may be inaccurate. I am requesting that First Premier Bank provide complete documentation supporting the debt, including the original signed contract or agreement, a full payment history, an itemized breakdown of the balance, and documentation showing how the reported amount was calculated. I also request proof that First Premier Bank has the legal right to report this account and verification that all information being furnished to the credit bureaus is accurate and complete. If the account can not be properly verified with supporting documentation, I request that it be removed from my credit report and that any inaccurate information be corrected immediately.I am requesting that First Premier Bank provide competent evidence that this debt is valid and accurately reported, including : * A copy of the original signed application, contract, or agreement bearing my signature. * A complete payment history from the date the account was opened through the date it was charged off. * An itemized breakdown of the balance reported, including principal, interest, fees, penalties, and any other charges. * Documentation showing how the current balance was calculated. * Documentation supporting the charge-off date and payment history being reported. * Proof that the information being furnished to the credit reporting agencies is accurate, complete, and verifiable. The balance and account status continue to be updated, and I request documentation supporting each reported update. If First Premier Bank can not provide sufficient records to verify the account and all information being reported, I request that the account be deleted from my credit report and that any inaccurate information be corrected immediately. Please conduct a reasonable investigation and provide me with the results, including the documents relied upon to verify this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am filing a formal complaint against Firstmark Services regarding a XXXX subprime private student loan balance of approximately {$25000.00} ( listed on my credit reports under account name " XXXX XXXX XXXX '' ). This loan originally funded my tuition in XXXX at the XXXX XXXX XXXX XXXX ( XXXX XXXX campus ), an institutional for-profit school that engaged in systemic fraud and permanently closed after filing for bankruptcy. Under the Federal Trade Commission ( FTC ) Holder in Due Course Rule, any holder or servicer of a consumer credit contract is strictly subject to the exact same legal claims and defenses that the consumer could bring against the original seller ( the school ). Because the XXXX XXXX XXXX XXXX defrauded its students and permanently shut down, I am legally asserting my right to withhold payment based on school fraud. Firstmark is aggressively attempting to collect on an invalid balance and is destroying my creditas well as my elderly father 's credit, who serves as the co-signerby reporting extensive XXXX and XXXX delinquencies. Furthermore, because this loan is XXXX decades old and has been bundled and transferred, I dispute that the underlying holder legally owns this debt or possesses the necessary documentation to enforce it. Firstmark Services has failed to provide a valid, unredacted XXXX of XXXX or a copy of the original XXXX Promissory Note.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: TX

Complaint narrative:
I tried to access my account on the XXXX and the first but they put a block on my account for no reason now I can't pay bills or buy what I need to take care of myself and I'm helping take care of a baby I can't even buy him anything now and that hurts me so bad I hate direct express I want to sue them for blocking my account for no reason

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
My last two transfers with Western Union were late and they have done absolutely nothing to fix it. They didn't even investigate my claim nor did they offer any solutions. In fact they just asked me to keep paying them money FOR XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
" Rocket Mortgage maintains my escrow account. They have failed to pay my California FAIR Plan home insurance renewal on time for two consecutive years. To prevent my home from being completely uninsured in a high-risk wildfire zone on the XX/XX/XXXX deadline, I had to step in and pay the first monthly installment out of my own pocket today.Because of Rocket Mortgages ongoing escrow negligence, I am actively switching to a new insurance carrier next week. I am filing this complaint to force Rocket Mortgage to audit my escrow account, reimburse me for the monthly fee I just paid out of pocket, and to legally order them NOT to send a full annual premium check to the California FAIR Plan [ consumerfinance.gov ]. Sending a full year 's payment now will trap my funds and cause me to suffer severe financial cancellation penalties when I switch carriers next week. ''

Company response to consumer: Closed with explanation