vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: PA

Complaint narrative:
Formal Dispute of Inaccurate Late Payment Reporting To Whom It May Concern, I am writing to formally dispute inaccurate credit reporting on my account with Edfinancial Services. My account history reflects multiple payments that were submitted on time but subsequently reversed by your system. However, my bank records clearly confirm that no payments were returned, rejected, or declined due to insufficient funds or any issue on my end. Because there is no corresponding bank rejection or ACH return, these reversals appear to be the result of internal processing errors. Despite this, my account has been reported as late, which is inaccurate. Under the Fair Credit Reporting Act, furnishers of information are required to report only complete and accurate information. Reporting a late payment when payments were made on timeand when no failure occurred on the consumers partconstitutes inaccurate reporting. I am requesting the following : Immediate investigation of all reversed payments on my account Removal of any associated late payment reporting Correction of all information furnished to XXXX XXXX XXXX XXXX Written confirmation once corrections have been made If this matter is not resolved promptly, I will escalate this issue through the Consumer Financial Protection Bureau and pursue all available remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Pay pal credit card was open without my knowledge and XXXX card was used without my permission

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 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CT

Complaint narrative:
On XX/XX/year>, an unauthorized user transferred {$15000.00} worth of XXXX ( XXXX XXXX ) to an unknown wallet via phishing scam. The individual going by the name of XXXX XXXX purported to allege that my account had been compromised. This alleged individual purported that someone from XXXX attempted to access my account. XXXX posing as a XXXX representative sent me a dummy service ticket. Upon receipt of this service ticket, he accessed my account and transferred the digital currency.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Nationwide Credit Corporation
State: VA

Complaint narrative:
I was sent a text from the NCC, stating the following : Hi, XXXX XXXX This text is from Nationwide Credit XXXX XXXX a Debt Collector about your unpaid balance with XXXX XXXX XXXX XXXX. To Pay or review Info : https : XXXX REF # XXXX Questions : Email : XXXX or call XXXX. Your rights : https : XXXX. # of Msgs Varies Msg & DataRatesMayApply. To optout of texting reply STOP This amount was not correct but I did have a procedure done at the aforementioned place. I have blocked/froze the card they had access too.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
Ive been a chime customer for over XXXX years and never disputed any transaction. A transaction was made from my debit card without my knowledge, my dispute was closed and I did not get my money back. I showed XXXX police reports and Im very upset that nothing has been done. The representatives wasnt very friendly, I felt as if they were rushing me off the phone and my concern didnt matter. The doesnt show appreciation as me being a chime member for almost a decade. Im really thinking about banking with some else.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am filing a formal complaint regarding unauthorized and deceptive charges applied to my Rooms To Go credit account issued by Synchrony Bank. On XX/XX/XXXX, I contacted their customer service department after identifying a recurring charge on my account that I did not recognize. I was informed that this charge was for a XXXX XXXX product, which your representative claimed I had enrolled in at the time of account opening on XX/XX/XXXX. I categorically dispute this claim. I purchased the item XX/XX/XXXX. At no point did I knowingly select, authorize, or consent to enrollment in any XXXX XXXX program. I would not agree to such a product, particularly XXXX that carries a fee of approximately 16.33 % of the outstanding balance. This fee is excessive, materially alters the cost structure of the account, and directly contradicts the purpose of the promotional financing agreement. My account was opened under a XXXX, zero-interest promotional plan, with fixed monthly payments of {$24.00} intended to satisfy the balance in full by XX/XX/XXXX. The addition of this undisclosed fee reduced the effective application of my payments to as little as {$4.00} toward principal in some months, fundamentally undermining the agreed-upon repayment structure. I was further advised that documentation was sent after account opening. Sending disclosures after enrollment does not constitute informed consent. This practice raises serious concerns regarding deceptive enrollment tactics and potential violations of consumer protection standards. Additionally, a simple review of publicly available consumer complaints reveals a pattern of nearly identical experiences, where customers report being enrolled in XXXX XXXX without their knowledge or consent. This suggests a systemic issue rather than an isolated misunderstanding. The representative offered a partial refund of {$230.00}, representing only 12 months of charges. This is unacceptable. I have held this account for approximately 31 months and have been assessed these fees throughout that period without my authorization. This situation constitutes unauthorized billing and, in my view, fraudulent conduct.

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 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: MI

Complaint narrative:
A collection notice was received on XX/XX/XXXX, from L J Ross Associates , Inc., seeking {$3200.00} for an alleged utility debt originally owed to XXXX XXXX for the billing period of XXXX through XX/XX/XXXX. The notice specified a response deadline of XX/XX/XXXX. A formal written dispute was submitted on XX/XX/XXXX, the deadline specified in the collection notice, stating the debt was not acknowledged and requesting full validation, including meter inspection documentation and raw usage data. On XX/XX/XXXX, L J Ross Associates responded with copies of XXXX billing statements only. No meter inspection reports, no technician credentials, no raw meter read data, and no verification of their legal right to collect were provided. Under the FDCPA, billing statements alone do not constitute adequate debt validation. The underlying billing is demonstrably implausible. The account recorded XXXXXXXX XXXX per day during XXXX and XX/XX/XXXX for a XXXX square foot residential apartment unit. The national average for a comparable residence is approximately XXXXXXXX XXXX per day. XXXX XXXX claims a technician verified the meter, but has never produced any written documentation to support this claim. Despite an active unresolved dispute and insufficient validation, collection activity has continued. Full and proper debt validation has been demanded and not received.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
To whom it may concern, I wrote you requesting validation of this alleged debt on XX/XX/year> As of today, I have not heard back from you. It has been 60 days. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under XXXX USC XXXX ( XXXX ) and XXXX USC ( XXXX ) in this alleged matter. What is your authorization of law for your collection of information? What is your authorization of law for you collection of this alleged debt? Please send evidence your authorization to do business or operate in the state of Texas. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have fifteen ( XXXX ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: CA

Complaint narrative:
I am submitting a complaint about XXXX XXXX handling of a credit card billing dispute. I disputed an XXXX travel charge on my XXXX XXXX card after XXXX automated messages created a duplicate-booking situation. I initially opened the dispute online, but then closed it because XXXX XXXX online system did not give me a workable way to add the full explanation and supporting documents at that stage. After that, XXXX XXXX system would not allow me to re-file online and instead displayed that I had already filed a dispute for the transaction. I then made multiple phone calls to Wells Fargo and was repeatedly forced into a manual process. I was told to contact the merchant first, which cost additional time, even though XXXX XXXX online process did not require that before opening the original dispute. I later spoke to another representative who provided an email address and instructed me to send my dispute explanation and supporting documents there so the dispute could be reopened or re-entered. I sent that email with supporting documentation, including XXXX emails and proof related to the stay, but after more than a month the Wells Fargo system still showed the dispute as closed. In other words, Wells Fargo had my documentation but did not timely reopen, re-enter, or properly process the dispute. This left me without a clear active dispute record and forced me to spend significant additional time repeatedly calling just to try to restore a dispute that I was attempting to correct in good faith. My complaint is about XXXX XXXX dispute-handling process, not just the underlying travel charge. XXXX XXXX systems and representatives created unnecessary delay and confusion, and the bank failed to timely reopen or process the dispute after directing me to submit the information by email.

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 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bilt Technologies, Inc.
State: DC

Complaint narrative:
I requested my bilt card account be closed in XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX. Their program was changing with the issuer on XX/XX/XXXX. Nearly XXXX days ahead of that, I contacted Bilt to close my card and my account and not reissue a new card. Bilt would not respond, then when they finally did, they asked me to jump through unencessary hoops to close it. After they confirmed they closed it ( XX/XX/XXXX ), they did exactly what I didn't want : They passed my information to XXXX XXXX and XXXX opened an account in my name on XX/XX/XXXX. This is exactly what I did not authorize. Bilt made it impossible to close my account, and fraudlently enabled a third party to open XXXX unauthorized in my name ( Bilt passed my PII to XXXX XXXX, despite my repeated requests in writing not to do this ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TN

Complaint narrative:
I am filing a complaint regarding XXXX handling of a transaction dispute. On XX/XX/year>, I disputed a charge in the amount of {$340.00} ( part of a {$900.00} total purchase ) for an item I did not receive. The item was a bed purchased through XXXX third-party seller, XXXX XXXX. According to the delivery information, XXXX marked the package as delivered ; however, the driver left the item under a stairwell in a non-secure, publicly accessible area. When I went to retrieve the package, it was not there. I never took possession of the item. I promptly contacted the merchant ( XXXX XXXX ) and received a response stating they would follow up with the courier. I uploaded this correspondence, along with all supporting documentation, directly to Chime as part of my dispute. Despite this, Chime has repeatedly stated they are waiting on the merchant and has not meaningfully progressed the investigation. They have not acknowledged or acted on the documentation I provided, and I continue to receive the same generic responses when I contact support. I understand that provisional credit may not apply to authorized transactions. However, my concern is XXXX failure to properly investigate this dispute despite receiving clear evidence, including direct communication from the merchant. It has now been nearly XXXX weeks since I filed this dispute, and there has been no meaningful update or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: SC

Complaint narrative:
I am submitting this complaint regarding multiple credit card accounts impacted by a scam involving fraud by deception and coercion. I was the victim of an organized scam in which an individual misrepresented himself and induced me to make purchases and send funds under the false promise that I would be reimbursed through legitimate bank transfers. At the time, payments appeared to clear, which led me to believe the transactions were legitimate. These payments were later reversed and determined to be fraudulent. As part of this scheme, I made transactions across multiple institutions, including Bank of America, XXXX, and XXXX. Some transactions were confirmed or completed while I was being actively deceived and pressured, including threats that prior payments would be canceled if I did not proceed. I have since filed a police report and provided documentation to all institutions. Bank of America has partially credited my claim, which supports that fraudulent activity occurred. However, significant portions of the claims have been denied on the basis that the transactions were authorized, despite the fact that the authorization was obtained through deception and coercion. XXXX has declined to process this as fraud and is instead requesting merchant cancellation documentation that does not exist, as the transaction was part of the scam and the merchandise was obtained by the scammer. XXXX has incorrectly classified the situation as a personal or future spouse payment arrangement and has refused to reopen the investigation despite new evidence, including a police report. Additionally, these accounts are now being treated as valid debt and reported in a way that is negatively impacting my credit score, despite being actively disputed as fraud.

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 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: NC

Complaint narrative:
TRUEACCORD XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research TRUEACCORD XXXX is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate and fraudulent reporting related to my banking history and identity theft. I previously submitted an Identity Theft Report and supporting documentation showing that unauthorized transactions and activity occurred on my account without my knowledge or authorization. Despite this, negative reporting related to these fraudulent activities was reinserted into my consumer banking file. Under the Fair Credit Reporting Act and Identity Theft provisions under XXXX U.S.C. XXXX, any information resulting from identity theft must be permanently blocked and can not be reinserted unless verified as accurate and belonging to me. I have not authorized any reinsertion, nor was I provided proper notice prior to reinsertion. The fraudulent activity also led to account restrictions, closures, and issues with peer-to-peer payment services. These actions were based on unauthorized transactions that were formally disputed as identity theft. Because these transactions were fraudulent, any associated reporting to consumer reporting agencies or risk databases is inaccurate and must be removed. I am requesting the immediate and permanent removal of all identity theft-related reporting, including : Any negative entries related to disputed Zelle transactions Any account closures tied to fraudulent activity Any reporting submitted to Early Warning Services or other consumer reporting agencies Any risk flags associated with identity theft-related transactions These items were the result of identity theft and must be blocked permanently under federal law. Additionally, I request written confirmation that : XXXX. The information has been permanently blocked XXXX. No reinsertion will occur without proper legal verification XXXX. My consumer banking profile has been restored This complaint is being filed directly with the CFPB to ensure timely resolution. If these items are not removed promptly, I will pursue additional remedies including complaints with my state attorney general and further regulatory escalation. I am requesting expedited review and removal due to ongoing harm caused by inaccurate reporting related to identity theft. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
I got the vehicle in XX/XX/year>. It was a 72 month lease. Nobody told me out of the XXXX a month that XXXX dollars of it goes to interest before the actual car. I made XXXX payments on a XXXX car. And still owe XXXX, and that makes no sense to me and very shady seeming. Especially since they refuse to let me have a copy or see my contract online.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I am filing a complaint regarding a collection account being reported on my credit report by a third-party collection agency for an alleged debt originally associated with XXXX. This account shows a balance of {$150.00} and was opened in XX/XX/XXXX, with a recent status update in XX/XX/XXXX. However, there is no payment history available, and I have not been provided with sufficient documentation to validate this debt. I have concerns about the accuracy and completeness of this reporting. The account continues to be reported without proper verification, and I have not received adequate proof of the original obligation, including a full account history or documentation showing that this debt is valid and collectible. Additionally, the continued reporting of this account without proper validation is causing ongoing harm to my credit profile. I am requesting a full investigation into this matter. If the collection agency can not provide proper validation and complete, accurate reporting, this account should be removed from my credit report.

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