vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OK

Complaint narrative:
My chime account was hacked an I was not able to access it at all I call the company and they got me back in but when I disputed the transfers an withdrawals that I did not make they ended up closing my account there is {$13000.00} left in unsettled disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: TX

Complaint narrative:
I had an order with smile direct on XX/XX/year> with promises of professional help throughout the treatment plan from start to finish and I was promised a XXXX XXXX after the bankruptcy but it was false. The service was made unavailable as well as any contact with the orthodontists. I enrolled with XXXX and financed treatment through XXXX XXXX XXXX. XXXX ceased operations before completing my treatment. As a result, I did not receive the full services, support, refinements, or guarantees promised under the agreement. I dispute the remaining balance because the contracted services were not fully delivered. I request validation of the debt, a review of the remaining balance, and correction of any inaccurate collection or credit reporting.

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 2026-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
b"I was trying to transfer money from my account at Open Bank to my account at XXXX XXXX I had to manually add the account info because they don't use Plaid or any third party service to verify the accounts. I tried to ender in my XXXX XXXX checking account number, but I accidentally mistyped the number with the last number I typed a 6 instead of a 5.XXXX XXXX I transferred XXXX from my Openbank acct to what I thought was my XXXX XXXX acctXXXX XXXX it hadnt gone through so I transferred another XXXX from my Openbank acc to What I thought was my XXXX bank account\n\n-I called XXXX XXXX and Openbank multiple times when the money didnt arrive a few days, then 5 days later. They asked me to call back in another few days cause they said it could take 7 days. The money never arrived.\n\n-When it still hadnt made it into my bank acct after that 7 days I called back.XXXX asked for my account number, and I read it them I realized that the account I transferred it too ended in a 6 not a 5 like my account so I had mistyped my account number in Openbank for the transfer.\n\n-XXXX said they looked up that account number: XXXX that I transferred it to and said it did not belong to anyone so the money had bounced back and they gave me these trace numbers:\nFor the XXXX XXXX XXXX XXXX XXXXFor the XXXX XXXX XXXX XXXX XXXXn\n-A week later when I called XXXX back they informed me that I had been mis-informed that the account number did belong to someone and the money had not bounced back to OpenBank. They said OpenBank needs to recall the funds, and that it is illegal for the person that received those funds to spend that money cause its not theirs, but they won't tell that person that the money is not theirs.\n\n-I called and did a claim with Openbank to try to have them recall the funds. They say now that the money is in XXXX they cant do anything.\n\n-I filed a complaint about this through the CFPB with XXXX XXXX XXXX said that OpenBank has not recalled the funds and that they don't check if the name matches with the account number when they accept the transfer.\n\n-So now I am trying to ask OpenBank to recall the transfer. I already filed a complaint directly with OpenBank, they said that they will not recall the funds cause it's not their responsibility if the account number is not typed correctly, they are not liable for validating money transfers.\n\n-I have $6,900 missing, the person that received the money has not been alerted that it's not their money and OpenBank is refusing to recall the money even though it went to someone else's account not mine, the intended account."

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 2026-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX DOB : XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX RE : CFPB Complaint LVNV FUNDING LLC | Account : XXXXXXXX XXXX XXXX To Whom It May Concern : I am submitting this formal complaint against LVNV FUNDING LLC for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) in connection with the account listed below. ACCOUNT INFORMATION : Company : LVNV FUNDING LLC Account Number ( partial ) : XXXX XXXX XXXX Reported Balance : {$3300.00} Reported Payment History : Collection/Chargeoff COMPLAINT NARRATIVE : LVNV Funding LLC is reporting a collection account on my credit report for {$3300.00}. LVNV is a third-party debt buyer and I have no direct agreement or contract with this company. This company can not legally report a debt they can not validate with original documentation. I have never received proper debt validation from LVNV Funding, yet this account continues to negatively impact my credit. I request the CFPB investigate whether LVNV Funding has complied with FDCPA Section 809 ( Validation of Debts ) and FCRA Section 623 ( Responsibilities of Furnishers ) in reporting this account. RESOLUTION REQUESTED : I am requesting that LVNV FUNDING LLC : 1. Provide full documentation validating this debt, including the original credit agreement signed by me. 2. Provide the complete payment history and chain of ownership if this is a purchased debt. 3. Immediately delete this tradeline from all three credit bureaus if they are unable to fully validate. 4. Cease any collection activity until the debt is properly validated. I have also submitted a dispute to the credit bureaus simultaneously. I am requesting this CFPB complaint be forwarded to the company for a response within 15 days as required by CFPB regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
LVNV Funding LLC is collections from XXXX XXXX of the balance {$660.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: KY

Complaint narrative:
one is allowing XXXX to remove money from my account after they were blocked chime admits they were blocked they took XXXX XXXX XXXX from my account second I deposited XXXX n debited XXXX which leaves a balance in my favor of XXXX the bank literally stole my money n will not credit back to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX, my installment loan with Huntington National Bank was paid in full and legally satisfied. However, an automatic payment system through my primary bank ( XXXX ) inadvertently continued to route monthly payments of {$190.00} to the closed account. Between XX/XX/XXXX and XX/XX/XXXX ( excluding XX/XX/XXXX ), Huntington National Bank accepted, processed, and cashed 20 consecutive monthly overpayments of {$190.00} each, accumulating a total credit balance of {$3900.00} that belongs to me. Huntington failed to proactively notify me of this growing balance or reject the incoming funds for nearly two years. A representative finally left a single voicemail in XX/XX/XXXX regarding the overpayments, but every subsequent attempt I made to resolve this via Customer Service resulted in being placed on indefinite hold or disconnected without resolution. I later learned that Huntington attempted to mail 19 return checks to a completely outdated address without verifying my current information. Because those checks were never received, they are now stale-dated and legally void. On XX/XX/XXXX, I spoke with a Huntington representative who acknowledged the bank is holding my {$3900.00}. However, they stated that to claim my funds, Huntington would have to mail 20 individual stop-payment release forms to my current address. They demanded that I sign, postmark, and mail back all 20 forms at my own expense before they would issue 20 separate checks. I objected to this massive administrative burden for a corporate error and requested a consolidated check. The representative assured me the forms would be mailed so we could proceed. As of today, XX/XX/XXXX, absolutely nothing has arrived in the mail, despite my current XXXX address being updated and verified in their system. Huntington has completely failed to provide the paperwork they claimed was necessary, continuing an ongoing eight-month pattern of administrative neglect, evasion, and delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding the handling of a credit reporting dispute by Firstmark Services ( Nelnet Servicing , LLC ) related to my private student loan account ( # XXXX ). The issue concerns a reported 30-day late payment that I believe does not fairly or accurately reflect the circumstances surrounding the account at the time. Timeline of Events : Payment due date : XX/XX/XXXX I contacted Firstmark Services on XX/XX/XXXX to request a temporary hardship extension due to an unexpected employment transition The extension request was approved effective XX/XX/XXXX I have maintained a positive payment history on this loan since XXXX, and this was an isolated hardship situation during a job transition period. I previously disputed the reporting directly with Firstmark and provided supporting documentation, including : Billing statement showing the due date Communication confirming contact on XX/XX/XXXX Extension approval confirmation However, Firstmark responded that the extension request was received after delinquency occurred and declined to make any adjustment. My concern is that the investigation did not adequately consider : the timing of my outreach on the actual due date, the approved hardship accommodation, and the overall context of the account history. While I understand lenders may apply internal delinquency definitions, I respectfully believe the reporting in this situation is inconsistent with the spirit of fair and accurate reporting, particularly given the approved extension and proactive communication. This reporting has negatively impacted both myself and my co-signer. I respectfully request that Firstmark Services : Conduct an executive-level review of this matter Reevaluate the reporting in light of the documented timeline and hardship accommodation Consider removal of the 30-day late payment as a goodwill and fairness adjustment I am submitting this complaint in good faith in hopes of resolving the matter amicably and accurately. Thank you for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Received reports via post office of credit card fraud. I filed report number XXXX with XXXX XXXX XXXX Police Department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been experiencing financial hardship and have made multiple attempts to contact Chase by phone and through the secure online message center to request a hardship payment plan. Despite these repeated attempts, Chase has not responded or offered any assistance. On XX/XX/year>, I received an email stating my account was scheduled to charge off that same day. I made a payment of {$76.00} ( confirmation # XXXX ) to prevent the charge-off. I am able to pay {$50.00} per month and have communicated this to Chase, but they have refused to engage with me or establish any payment arrangement. I am requesting that Chase contact me to set up a formal hardship payment plan and confirm my account will not be sent to collections while I am making consistent good-faith payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CarMax, Inc.
State: FL

Complaint narrative:
I requested that the company Carmax Auto Finance send a contract with my wet signature showing my actual signature of me agreeing to a contract with them they send me a computer generated signature that i didnt sign or agree to at all. Account isnt mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have XXXX open and valid chargebacks with Bank of America. Since I didnt lie and claim the transactions werent authorized they say that it doesnt fall under regulation XXXX and that no provisional credits. They say that the merchant has 45 days to reply and if they dont they give them another 30 days so all in all could be 3-6 months without my funds. Im experiencing hardship and struggling to pay my standard expenses. The merchant is operating illegally and misrepresenting their product on purpose. I requested a hardship escalation and it was declined and feel helpless after being a Bank of America customer since the 90s The online banking did not let me lump the XXXX transactions into XXXX dispute but they are all the same merchant for the same dollar amount of {$200.00} each. I would appreciate and executive review of this and appreciate a goodwill deposit of the provisional funds while this lengthy process takes place.

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 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MO

Complaint narrative:
On Saturday, XX/XX/year>, I used the U.S. Bank outside ATM to deposit a {$2100.00} check that is currently signed and live. Right after I inserted the check into the machine and started entering my information, the ATM screen went completely black. The machine began a hard reboot, displaying a message that it would take 10 minutes. After the reboot, the screen came back up stating the ATM was offline and said 'sorry for the inconvenience, ' completely trapping my check inside. When I went inside the branch in person on Tuesday, XX/XX/year>, the bank staff treated me like an inconvenience and completely dismissed my problem. They told me the machine was serviced by a third-party vendor, claimed it was entirely 'out of their hands, ' and refused to help me. On XX/XX/year>, a U.S. Bank phone representative explicitly promised me that a provisional credit for the {$2100.00} was approved and would be issued, but no funds have appeared. Furthermore, today on Sunday, XX/XX/year>, I attempted to resolve this directly with the bank one last time. I called the XXXX customer service number at XXXX PM after work and spoke to a representative for 20 minutes. That representative stated they would transfer me to a department that could finally help me. Instead, I was left sitting on hold for 45 minutes and was never able to get through to anyone. U.S. Bank 's customer support system is completely broken, and they are actively avoiding resolving this issue. U.S. Bank is using their third-party vendor as an excuse to avoid their legal responsibilities regarding a severe machine malfunction on their own property. I am demanding that U.S. Bank immediately honor the promised provisional credit of {$2100.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
My XXXX son, XXXX ( XXXX ) XXXX XXXX XXXX : XX/XX/year> ), took my TD Bank debit card and my phone without my knowledge or permission while I was asleep. The card and phone were kept under my mattress and were not authorized for his use. Using my debit card and access to my phone, he made approximately {$2000.00} in unauthorized XXXXrelated transactions connected to online gaming and app purchases. I did not give him permission to access my bank account, debit card, XXXX account, or any payment methods linked to my account. I immediately reported these transactions to TD Bank as unauthorized and requested a dispute claim. TD Bank initially issued a provisional credit ; however, after review, they reversed the credit and denied my claim, stating that no error occurred and that the transactions were considered valid. I do not agree with this decision. I did not authorize any of these transactions, and they were made without my consent by a minor child accessing my card and phone without permission. I am requesting a full reinvestigation of this matter and restoration of the disputed funds. Additionally, I request that TD Bank provide all evidence, records, and documentation used to determine that these transactions were authorized. Consumer information : Name : XXXX XXXXAddress : XXXX XXXX XXXX, XXXX, CT XXXXXXXXPhone : XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: AR

Complaint narrative:
After reaching a settlement agreement of {$4100.00} with Second Round and payment agreements of {$140.00} monthly, I have never received anything in writing. I was told I could only make my payments online and always had to enter reference number XXXX. I have tried for over a week to make a payment my account is locked. I have called them and XXXX XXXX XXXX get voicemail and I leave a detailed message. I have also sent several emails which I cc myself on each one so I know they are receiving them. I cant make any payments as my account is locked and they are not responding to my voicemails or emails. This should not reflect or impact my credit as this is not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
You were submitted a previous complaint about " fake check '' scenario or a check was returned as modified. The company has offered me an extension of 10 days. I asked the representative of CCF INTERMEDIATE HOLDINGS LLC was the payer contacted? I was notified about my credit score prior to receiving a check and a hard inquiry was placed on my credit report. My credit declined about XXXX points. I feel it is scam because she processed the check and did not use ordinary care to prevent accumulation of damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NM

Complaint narrative:
I am a XXXX employed full-time by the University XXXX XXXX XXXX XXXX a qualifying public service employer, and have been actively participating in the Public Service Loan Forgiveness ( PSLF ) program. I certified 120 qualifying months of employment in XX/XX/year> and simultaneously submitted a PSLF Buyback application ( Case # XXXX ) to purchase the months I was unable to make qualifying payments due to the SAVE plan administrative forbearance months during which I remained in qualifying employment and would have made qualifying payments had the forbearance not been imposed. As of today, my buyback application has been pending for approximately 11 months with no resolution. I have sent written correspondence via fax to the PSLF servicer inquiring on the status on multiple occasions and have only been told the application is " in the queue. '' This delay has now created a time-sensitive crisis : the SAVE administrative forbearance is ending, and I have received notice that I will need to enroll in a new repayment plan within 90 days of receiving my formal servicer notice. If I am forced to re-enter repayment before my buyback is processed and approved, I will be required to make monthly payments on a balance that should already qualify for full PSLF forgiveness solely due to the Department 's failure to process my application in a timely manner. I completed my 10 years of qualifying public service employment. The only reason I lack exactly 120 qualifying payments is the administrative forbearance that was imposed on me not any action or inaction on my part.

Company response to consumer: Untimely response