vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: CT

Complaint narrative:
I am disputing a {$190.00} charge listed as XXXX XXXX, XXXX that posted to my Best Buy/Citibank account on or around XX/XX/XXXX. I did not authorize, request, or knowingly consent to this renewal service. When the charge first appeared, I contacted the company and informed them that I did not approve this transaction. My dispute was later denied without the company providing documentation showing that I actively authorized or knowingly enrolled in the renewal service. On XX/XX/XXXX, I again contacted the company through their online chat system to formally dispute the charge as unauthorized. During that interaction, I clearly stated that I did not consent to the service and requested that the matter be handled through the billing disputes process. The representative redirected me to another department, referenced contract terms and auto-renewal policies, but did not provide proof of authorization or consent. The chat session was then closed without resolution or a case number being provided. Despite my dispute efforts, the company continued collection activity through calls and emails regarding this balance. I also discovered that the disputed amount has now negatively affected my credit reporting. I made multiple good-faith attempts to resolve this matter directly with the company and requested documentation showing authorization for the charge. To date, I have not received adequate resolution or proof that I knowingly consented to this renewal. I am requesting : Reversal of the disputed {$190.00} charge Removal of related fees, penalties, and interest Removal or correction of negative credit reporting associated with this disputed amount Suspension of collection activity related to this dispute Documentation showing proof of authorization for this charge, if it exists

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 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: GA

Complaint narrative:
Good day. I can not stress enough how frustrating and emotionally exhausting this situation has been. I discovered a collection account on my credit report for a debt that I do not recognize, can not verify, and do not believe belongs to me. Waking up to find an unfamiliar debt attached to my name has caused significant distress, especially while receiving repeated communications and threats of legal action through multiple platforms. As a law-abiding citizen, it is deeply upsetting and insulting to feel that my rights as a consumer are being violated in this manner. This situation has taken a serious toll on my mental well-being and has caused ongoing stress and sleepless nights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Valor Intelligent Processing, LLC
State: MD

Complaint narrative:
The debt is XXXX $ from XXXX and from New Jersey, I have not lived in New Jersey in over XXXX years nor lived at the address the bill is being sent to

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Management Recovery Corp. (NMRC)
State: TX

Complaint narrative:
Chronological Timeline of Events * * * XX/XX/year> ( XXXX ) : * * * Received an initial call from an unknown/restricted number. The caller identified herself as a * * '' locator '' * * working on behalf of a mediation office handling a case against me. * The locator then called my husbands phone number and left a high-pressure voicemail stating I had * * '' one time and one time only '' * * to make contact with the handling office regarding an alleged " breach of contract '' and * * '' defrauding a financial institution. " * * * the locator called again from an unknown number. She instructed me that I needed to settle the debt immediately today with the mediation company so they could issue her a " release '' to call off her location/service services. * * * XX/XX/year> ( XXXX - Verification ) : * * * I contacted the original creditor directly. The original creditor confirmed that the account had been charged off and the data had been sold, meaning the " financial fraud '' claims made by the collection agency were entirely fabricated to induce panic. * * * XX/XX/year> ( XXXX - Second Call to NMRC ) : * * * I called the mediation/collection office back and informed them that the original creditor confirmed this was a civil charged-off account. * The representative stated again that making an immediate telephone payment was the only way they would release the locator from coming to serve me at my home or place of work. * The phone contact was lost. Shortly after, the mediation company left a high-pressure, passive-aggressive voicemail stating : * * '' Good luck in court, I will let the server know to move forward. " * * * * * XX/XX/year> ( Third Call & FDCPA Violations ) : * * * I attempted to call the locator back, but received no answer and no voicemail options. * I called the mediation company a third time to request formal validation. I spoke with a male representative who became highly aggressive. * I explicitly requested that the company provide written proof or verification of the debt via email or physical mail. The representative explicitly refused, stating they * * '' do not provide that '' * * and that all paperwork and proof would only be given to me * after * the locator physically served me. * Every representative I spoke with during this sequence acted highly suspicious and defensive, repeatedly interrogating me by asking, * '' How did you get this phone number? " * when I was simply returning their direct collection points :

Company response to consumer: Untimely response
Consumer complaint received 2026-05-20 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: NC

Complaint narrative:
I believe I was improperly steered into repeated forbearances and deferments by XXXX rather than being properly informed about affordable income-driven repayment options. During these periods, interest continued to accrue and capitalize, substantially increasing my loan balance over time. My federal student loans originated while attending University of XXXX ( XXXX ) and XXXX University ( XXXX ). My loans were consolidated in 2016 and later transferred through multiple servicers, including XXXX, XXXX, XXXX, and currently MOHELA. I am requesting a full review of my account history, repayment guidance provided to me, capitalization of interest, and eligibility for any relief, discharge, account adjustment, or remediation available due to servicing practices. Major Concerns Repeated placement into forbearance and/or deferment Interest capitalization causing balance growth Lack of guidance toward income-driven repayment options Feeling steered into temporary relief instead of long-term solutions Loan balance increasing despite payments/time in repayment Credit score concerns while on the SAVE plan

Company response to consumer: Untimely response
Consumer complaint received 2026-05-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Consumer Financial Services Solutions, Inc.
State: PA

Complaint narrative:
I am currently enrolled in a debt settlement program with Beyond Finance , XXXX. On XX/XX/year>, Beyond Finance executed a flat settlement fee withdrawal of {$2200.00} from my Dedicated Account for a newly negotiated {$6400.00} structured settlement. This transaction completely drained my Dedicated Account down to a balance of $ XXXX.l However, according to my client dashboard, the very first payment on this structured installment settlement is not scheduled to be served or paid to the creditor until XX/XX/year>. Under the FTC Telemarketing Sales Rule ( 16 CFR 310.4 ( a ) ( 5 ) ( i ) ) and Page 15 of Beyond Finance 's own signed Program Disclosure Statement, for-profit debt settlement companies are strictly prohibited from front-loading or collecting fees before a payment has actively been delivered to the creditor on that specific settlement. Collecting a full fee over two months before the first payment clears constitutes an illegal advance fee violation. I am requesting a formal investigation into Beyond Finance 's systemic fee-collection practices and requesting that they return the {$2200.00} to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Block, Inc.
State: CA

Complaint narrative:
They already have created a spreadsheet and admitted to the mistakes they made

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
THIS IS A DISTINCT COMPLAINT FROM ANY PRIOR COMPLAINTS. This complaint IS NOT A DUPLICATE OF CFPB complaints XXXX and XXXX. I dispute the entire balance Chase claims I owe. I submitted documented chargebacks against XXXX and other merchants, which Chase granted after reviewing my evidence. Chase then closed my checking account, revoked my online access, and began demanding repayment of the credited amounts without conducting any investigation into the underlying disputes. The attached Chase statement for XXXX through XX/XX/XXXX proves the fraud. Chase credited {$590.00} from an ACH dispute, charged off {$1000.00}, and simultaneously claims I owe that {$1000.00}. Chase collected from the merchants and is now collecting from me for the same transactions. THIS IS PLAIN FRAUD AND " DOUBLE-DIPPING '' BY CHASE TO PROFIT WHILE RIPPING OFF CUSTOMERS UNDER THE SAME CONSUMER-PROTECTION LAWS THEY ARE REQUIRED TO ADHERE TO. From late XXXX through XX/XX/XXXX, the complainant filed chargebacks against XXXX and other merchants on a Chase checking account, each supported by documentation. Chase granted those chargebacks and reversed the underlying charges to the merchantsan outcome that reflects Chases acceptance of the dispute process at that stage. Chase later closed the account, discontinued online access, and sought repayment without providing a completed Regulation E review of the submissions on the record. This is in response to a mailed statement from Chase for XX/XX/XXXX through XX/XX/XXXX. It shows a {$590.00} ACH dispute credit, which I received, but a {$1000.00} charge-off that results in a {$0.00} ending balance for ACH Disputes previously resolved and a separate notice that the account was closed with a negative balance of {$1000.00}. I dispute this entire balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am filing a complaint regarding inaccurate and misleading credit reporting related to a repossessed auto loan account with Navy Federal Credit Union. After the repossession and sale of the vehicle, XXXX XXXX repeatedly changed the reported account information in ways that caused substantial harm to my credit profile. The company updated balances inconsistently, changed account status information, and re-reported past due amounts even after the vehicle had already been sold and previous balances had already been reflected on my credit reports. These updates caused significant XXXX XXXX damage, including new derogatory activity, reset delinquency timelines, and additional negative reporting that materially harmed my consumer profile and financing opportunities. I also did not receive the legally required post-repossession notices within the timeframe required under Georgia law, including notice related to any alleged deficiency balance. Itemized charges and deficiency information were later provided more than a month after the vehicle sale, raising concerns regarding compliance with O.C.G.A. XXXX and the validity of the reported deficiency balance. Although portions of the account information were later adjusted, the inaccurate reporting had already caused financial harm through lowered credit scores and misleading derogatory reporting. I believe XXXX XXXX violated the Fair Credit Reporting Act by furnishing inaccurate and materially misleading information to consumer reporting agencies and failing to maintain maximum possible accuracy regarding this account. I am requesting a full investigation into XXXX XXXX reporting practices, documentary proof of all notices allegedly mailed, verification of the reported balances and deficiency calculations, and complete deletion of this tradeline from all consumer reporting agencies due to inaccurate and misleading furnishing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX, I was a victim of fraud involving a payment made through my Chime account. I was intentionally deceived into sending {$3800.00} after being promised that I would receive my money back. The individual convinced me under false pretenses, and immediately after the transfer was completed, I was blocked and all communication stopped. This was not a voluntary gift or legitimate purchase. I was manipulated into authorizing the payment based on false statements and fraudulent promises. I immediately reported the issue and requested assistance, but my claim was denied on the basis that the transaction was authorized. I am requesting a full reconsideration of this decision, as the authorization was obtained through fraud and deception. The funds were obtained through manipulation, and I believe this fits the definition of authorized push payment fraud. I am requesting that Chime review the transaction again, investigate the receiving account, and attempt recovery of the funds where possible. I am also requesting written clarification of the investigation process and any steps taken to trace or freeze the receiving account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
Account was closed due to a false fraudulent claim. Upon closure, they deducted an SSA check and returned just those funds. There is still an additional {$28000.00} from a loan repayment still there. There have been numerous voicemails left for the attending closure agent, whose name is XXXX XXXX, and he has failed to return any calls. I am trying to get an update, the XXXX wire was supposed to be returned to sender, but the sender has been given contradictory information from his bank. The fraud claim was for XXXX, and there was {$400.00} left from that amount in addition to the XXXX. Neither party has had any funds returned to them, and that's a lot of money that will go a long way. I am retired, on a fixed income, and have investments which I have been cashing in on, and putting them into other avenues which my son handles, as acting power of attorney for me. I need to know what is happening with my money, and what I need to do in order for it to either be released, or returned to sender so that I can make other arrangements

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: AL

Complaint narrative:
I am submitting this complaint regarding a collection account reported by XXXX XXXX related to XXXX XXXX. Before making payment, I contacted the company by phone to confirm whether the account would be reported to the credit bureaus if I paid the agreed settlement amount by the stated deadline. I was told that if I paid by the deadline, the account would not be reported to my credit. Based on that representation, I agreed to make payment immediately. I made the payment on XX/XX/year>, and it processed on XX/XX/year>, which was the deadline provided to me. Despite paying within the agreed timeframe, the account was still reported as a collection and negatively impacted my XXXX XXXX. After the collection appeared on my credit report, I contacted the company again and spoke with a supervisor. I was then told the company does not delete collections and that the account would remain on my credit report even after payment. This directly conflicted with the information I was originally provided before payment. The written notices and emails I received did not clearly state that the account would still be reported if paid within the timeframe discussed. I relied on the verbal information provided by the company when making my payment decision. I am requesting review of the recorded phone calls and account notes, correction of the reporting, and consideration for removal of the collection account due to the misleading information provided to me prior to payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX green XXXX XXXX XXXX Texas XXXX XX/XX/year> XXXX XXXX I am writing to dispute inaccurate information being reported on my credit report regarding an alleged canceled debt/account listed by XXXX XXXX XXXX Equifax and Experian I never received a Form 1099-C, Cancellation of Debt, as required under federal tax reporting guidelines. Despite this, the account continues to be reported negatively to the credit bureaus as charged off, canceled, or delinquent. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681, all information reported must be complete, accurate, and verifiable. Since no 1099-C was provided and the reporting appears inconsistent and misleading, I request that this account be fully investigated and verified. Please provide the following : 1. Proof that a valid 1099-C was issued and mailed to me ; 2. Documentation showing the legal status of the alleged debt ; 3. Verification that the information being reported is accurate and complete. If you can not provide proper verification, I demand that this account be removed immediately from my credit report. Please complete your investigation within the timeframe required by the Fair Credit Reporting Act and send me written confirmation of the results. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: MA

Complaint narrative:
My wallet was stolen and my cards had charges that were not me. And they refuse to remove the charges and keep saying this was resolved and resolution was not in my favor this was with XXXX credit card

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-20 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: MD

Complaint narrative:
My bank account number was hacked on or around XX/XX/year> and someone fraudulently charged my Chime account in the amount of {$84.00}. I immediately let Chime know. They claimed that they investigated and that they determined the charge to be valid. I contacted the merchant ( XXXX ), who confirmed that the charge appeared to be fraudulent and that they had never been contacted by Chime. I submitted XXXX written response to Chime and they ignored the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
In XX/XX/XXXX, unauthorized withdrawals occurred from my Wells Fargo checking account. The disputed transactions included branch cash withdrawals totaling approximately {$6500.00}, including transactions on XX/XX/XXXX ( {$1000.00} ), XX/XX/XXXX ( {$3000.00} ), and XX/XX/XXXX ( {$2500.00} ). Additional ATM withdrawals and disputed transactions also occurred during the same time period. I disputed the transactions with Wells Fargo and requested investigations into the unauthorized activity. Wells Fargo initially denied my claims. After reopening the disputes in XXXX and filing complaints with the CFPB, Wells Fargo conducted additional investigations and overturned several previously denied claims, issuing reimbursement totaling approximately {$3500.00} for certain ATM transactions and related disputed activity. However, Wells Fargo continues to deny reimbursement for the remaining {$6500.00} in branch withdrawals. I believe the original investigation may have been incomplete or inconsistent because several previously denied claims from the same time period were later reversed and paid after additional review. I was also located in XXXX, Georgia during the time period when the disputed withdrawals occurred. I am requesting additional review of the remaining denied claim and Wells Fargos investigation procedures regarding these disputed transactions.

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