vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/XXXX did a one transaction through a false company called XXXX XXXX for a male enhancement gummies through Facebook.reported 3 times to my Chime account and they claim they investigate it and denied me.the payment was {$190.00} and also XXXX XXXX received products.I just want my money back thru Chime.I don't know how to upload more documents thru Chime but I have dates in the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Possible Financial Inc
State: SC

Complaint narrative:
the information is inaccurate, unverifiable, and causing significant harm to my financial standing during an active underwriting process. I contacted the original creditor multiple times and was advised that the account had been transferred to a third-party collection agency. However, after contacting the third-party agency, Indebted, I was informed the account remained with the original creditor and had allegedly been returned as of XX/XX/year>. Due to these conflicting statements, neither party has been able to clearly identify legal ownership or responsibility for this account. I am unfamiliar with this account, and no party has provided written or verbal proof establishing : Legal ownership of the alleged debt Whether the account was sold, transferred, or assigned Validation of the balance being reported Authority to continue reporting this account Despite the lack of verification, the account continues to report with an outstanding balance and is negatively impacting my ability to obtain approval through underwriting. Under the Fair Credit Reporting Act, all information reported must be accurate, complete, and verifiable. Because this account can not be properly verified and ownership remains unclear, I am demanding immediate deletion of this account from my entire credit report. If this inaccurate reporting is not corrected immediately, I am prepared to pursue legal action for violations of the Fair Credit Reporting Act and any other applicable consumer protection laws related to unfair and deceptive credit reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am filing this complaint against Resurgent Capital Services L.P. and LVNV Funding LLC regarding a separate XXXX XXXX XXXX account being collected and/or reported under LVNV Funding LLC with a balance of approximately {$1200.00}. On or about XX/XX/XXXX, I mailed a written debt validation request regarding this account. I requested complete account-level validation, including documentation showing the original creditor, the amount claimed, the basis for the balance, the chain of assignment or ownership, LVNV Fundings authority to collect, Resurgents authority to service the account, and documentation connecting the alleged account to me. Resurgent responded on or about XX/XX/XXXX. The response included an account summary listing LVNV Funding LLC as the owner, XXXX XXXX XXXX XXXX. as the original creditor, a current balance of {$1200.00}, a date of last payment of XX/XX/XXXX, an origination date of XX/XX/XXXX, a charge-off date of XX/XX/XXXX, and an acquisition date of XX/XX/XXXX. Resurgent also attached what appears to be one limited XXXX XXXX billing statement showing account ending XXXX and a balance of {$1200.00}. That response does not provide complete validation. Resurgent did not provide a signed agreement, complete payment history, full itemized balance calculation, Date of First Delinquency support, bill of sale, purchase agreement, complete chain of assignment, or account-level transfer document showing that this specific XXXX XXXX account was sold or assigned to LVNV Funding LLC . A billing statement is not a bill of sale. A billing statement is not a purchase agreement. A billing statement is not a chain of assignment. A self-generated account summary is not complete account-level validation. The issue is not whether Resurgent mailed something. The issue is that the documents mailed do not prove ownership, assignment, balance accuracy, legal obligation, Date of First Delinquency, or authority to continue collecting and furnishing this specific account. Under 15 U.S.C. 1692g ( b ), once a consumer disputes a debt in writing and requests verification, a debt collector must cease collection activity until verification is mailed to the consumer. Resurgent/LVNV has not mailed complete account-level verification for this account, yet the account continues to be treated as collectible and/or reportable. This also raises concerns under 15 U.S.C. 1692e and 1692e ( 2 ) ( A ), because Resurgent/LVNV is representing the character, amount, ownership, and legal status of a debt that has not been fully supported with complete documentation. Because this account is being furnished to the consumer reporting agencies, Resurgent/LVNV also has obligations under the Fair Credit Reporting Act. If the account can not be verified as accurate, complete, and legally reportable, it should not continue to be furnished as a valid collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
Company name Montgomery ward, Wisconsin XX/XX/year> my identity was stolen and a thief opened an count in my name at the above company. I communicated with them multiple times and informed them that this was fraud ( XXXX warned me about the account and that is how I got their information ) They still proceeded with processing the order and mailed it. They claim it was delivered to by house based in my request and kept sending me the bill for an order I never did. Now they sent me to a collection agency and ruined my credit. It is shocking for me how easy it is to ruin somebodys credit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Property Receivables, Corp
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding XXXXXXXX XXXX XXXX and the inaccurate debt they placed on my credit report following my request for lease termination due to documented safety and medical concerns. I am a licensed XXXX police XXXX and I have nothing to hide or lie about. This entire situation has been extremely stressful and unsettling. I experienced a serious safety incident while living at the property in which my XXXX XXXX XXXX in the apartment parking garage. I filed police documentation regarding this incident and reported my concerns to apartment management. I also informed management that I suffer from XXXX and provided documentation regarding my condition. Due to my medical condition and safety concerns, I requested assistance and reasonable accommodation to be released from my lease. Instead of working with me or providing proper accommodation paperwork, they refused to assist me and later placed approximately {$10000.00} in alleged debt on my credit report. I believe I was treated unfairly and differently from another tenant who was reportedly provided assistance and paperwork to terminate her lease due to her circumstances. I was not provided the same opportunity despite explaining my XXXX diagnosis and legitimate safety concerns. In addition, I have experienced concerns involving breaches of my personal information and have received data breach notifications involving XXXX and XXXX XXXX XXXX XXXX this time period, which further increased my concerns regarding my personal safety and identity protection. This debt is now preventing me from obtaining housing after accepting employment with another law enforcement agency. I have already submitted documentation to XXXX XXXX and XXXX XXXX as well as the XXXX housing authorities. I respectfully request that this matter be expedited and fully investigated. I can provide the following supporting documentation upon request : * Police reports regarding the XXXX incident * XXXX diagnosis and supporting medical documentation * Email communications with apartment management * Credit reporting information * Data breach notifications I am requesting the immediate removal and correction of this inaccurate debt reporting while this investigation is pending. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX XXXX Police XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: TX

Complaint narrative:
Company is attempting to collect a debt without verification. If the debt is medically related, company has not proven they issued the debt and for what reason. I have not received any form of receipt, etc. Company must keep in mind if medically related, they do not have access to my medical records, or any subsequent tests run to incur debt, as this is a HIPPA violation. I have never signed a release or waiver of personal information to acquire this knowledge if medically related. Requesting verification and validation ( separately ) of debt, and date debt was incurred originally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA
State: NY

Complaint narrative:
O was victim of identity theft and someone applied for student loan at the MOHELA XXXX and it is on my credit record

Company response to consumer: Untimely response
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In XXXX of XXXX, I purchased a product from Club Champion at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX. At the time of purchase, I was offered a " XXXX '' interest free option for which I accepted. The application process was handled by the employee and I was quickly approved. I was not given any information other than that more information was coming in the mail in the future. I did not receive the product for XXXX months. During that time, mail from Synchrony Bank was arriving requesting that I " apply for a credit card ''. This was disregarded over XXXX months as there was no information related to the product purchased or from the company in which I purchased within the mail. I was subsequently turned in for late payments for XXXX days during for this period of time. This was extremely misleading as neither Synchrony nor the employee explained or provided information about this process. I am now current on all payments. I wrote a goodwill letter and opened a dispute on the Experian to which both disputes resulted in no change. My account is current now and I have enrolled in auto-pay.

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 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Consumer Financial Protection Bureau XXXX I am submitting this complaint regarding Chases failure to provide or clarify critical transaction-level verification data associated with a disputed card transaction. This complaint is distinct from my prior submission. The issue here is not simply whether the transaction was disputed, but whether Chase has provided sufficient technical transaction validation data to support its determination. The disputed transaction is associated with a merchant location outside XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX. Chase stated that the transaction occurred at approximately XXXX local time outside of XXXX airport and was considered valid based on chip authorization. However, I later obtained official immigration processing records showing that I was still undergoing passport/entry processing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX local time. The issue is not solely the existence of a timestamp discrepancy, but whether Chase verified : * which system generated the transaction timestamp, * whether the timestamp reflects authorization time versus settlement/posting time, * whether timezone normalization occurred during processing, * and whether the merchant terminal clock configuration was validated. I specifically requested clarification regarding : * exact authorization timestamp at the card network level, * settlement/posting timestamp separately identified, * XXXX terminal ID, * acquiring bank routing information, * and timezone or clock configuration associated with the terminal used. I also requested confirmation regarding whether the merchant acquirer transmitted : * local time, * UTC time, * or internally normalized network time during authorization processing. Despite repeated requests, Chase has not confirmed whether this data : * exists, * was reviewed, * was unavailable, * or was excluded from the investigation. Additionally, during a prior discussion with a Chase representative, I raised concern regarding the merchant location associated with the transaction. I was informed that the merchant address does not matter because the transaction was chip authenticated. However, no explanation was provided regarding how the reported timestamp was reconciled against verified travel processing records. My concern is procedural and technical in nature. A chip-authenticated transaction alone does not resolve timestamp inconsistencies without clarification regarding the underlying transaction metadata source and timing methodology. I am requesting CFPB assistance in obtaining : * clarification regarding the specific timestamp Chase relied upon, * confirmation of whether merchant acquirer verification was performed, * and confirmation of whether transaction timing XXXX was independently validated prior to dispute denial. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
[ Wells Fargo returned check twice and refused to solve the problem even face to face with valid ID ]. here is details : On XX/XX/year> XXXX XXXX received a XXXX Wells Fargo personal check from XXXX XXXX and cashed in XXXX XXXX Bank, the check was returned. And XXXX XXXX immediately contacted Wells Fargo XXXX line XXXX to verify the check authenticity. But was told that because when opening account only US phone numbers acceptable so the phone is XXXX authorized friend. XXXX XXXX must come to USA to submit ID and present by person to verify. XXXX flew from XXXX to XXXX XXXX on XXXX XXXX and went to Wells Fargo ( XXXX XXXX branch ) on XXXX morning, XXXX XXXX cleared all the doubts via phone and the account was restored. When XXXX XXXX demand a wire transfer to XXXX XXXX, the bank XXXX XXXX XXXX XXXX joined in and we were told the account closed again, requesting we return on XXXX. So we come on XXXX, same story, the XXXX can not do anything. Informing us to come on XXXX. Then from XXXX XXXX to XXXX XXXX the XXXX made some calls but NO results. At closing moments, when we discussing to cancel/ extend flight to XXXX, XXXX informed us that after calls, Bank can accept check, then XXXX XXXX issued a check around XXXX at bank and also provided passport copies to the XXXX. XXXX XXXX deposited the check on XX/XX/year> to XXXX XXXX XXXX. And on XX/XX/year> was informed by XXXX XXXX XXXX XXXX XXXX ( phone XXXX ) that they received Wells Fargo bank claiming the check is counterfeited. Both XXXX XXXX and XXXX XXXX are now mad, the check was issued at bank and there is video record and the XXXX copied the check and passports. and according to bank request, XXXX XXXX flied from XXXX specifically to solve the issue, What else they want? Now both parties are suffering great loss, yet Wells Fargo doesnt do anything to help. This is serious. Please help us. Thanks XXXX XXXX XXXX XXXX XXXX complaint

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 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
I was presented with a debt owed to a former FMO insurance company. I requested detailed information and documentation to explain the debt thoroughly and wasnt provided. It has since been transferred to a debt collector who I have been trying avidly to cooperate with. I have again requested the itemized and broken down detailed information and documentation to support these claims of debt. After my last request I received XXXX response for almost XXXX months. I filed a complaint with the attorney general and notified the collector and he immediately responded with a PDF that didnt explain or prove anything. Ive now tried to again request the detailed information and documentation but have not gotten a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal told me to identify myself I submitted my ID after I did that they told me my account is closed I can no longer use PayPal at all no more they have my money on hold for 180 days

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>, unauthorized transactions were made from my Chase checking account / debit card without my permission or knowledge : XX/XX/year> : XXXX XXXX XXXX XXXX XXXXXXXX CA {$390.00} XX/XX/year> : XXXX XXXX XXXX XXXX XXXX CA {$180.00} XX/XX/year> : XXXX XXXX NY {$51.00} XX/XX/year> : XXXX XXXX XXXX XXXX XXXX FL {$71.00} I did not authorize, initiate, or benefit from any of these transactions. Key facts showing these are fraudulent : The XXXX XXXX transactions are not mine. My XXXX XXXX account is registered under the name XXXX XXXX. I do not have or use any XXXX XXXX account named XXXX. The XXXX transaction is suspicious because XXXX requires users to be 18 years or older, and I did not make this bet or transaction. My actual phone/internet provider is XXXX, not XXXX. I did not make or authorize any XXXX XXXX prepaid payment. Chase has approved disputes for the same merchants on other occasions, but they are denying these specific transactions. They are now threatening to close my account because I keep disputing these unauthorized charges. Under Regulation E, Chase is required to properly investigate unauthorized electronic fund transfers, provide evidence of authorization, and provisionally credit my account during the investigation. They have failed to do this. I am requesting that Chase : XXXX. Immediately refund all XXXX unauthorized transactions in full. XXXX. Stop threatening to close my account for exercising my consumer rights. XXXX. Provide a detailed written explanation and all evidence they used to deny these disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to request an investigation of the following information that appears on my consumer report. I have NEVER opened or used the following account XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX, and XXXX XXXX XXXX. I dont recognize the following account in question. Im a victim of identity theft and I dont recognize this account on my report. Im requesting the following information be deleted from my Consumer report 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 explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I've been a customer of wells fargo for almost XXXX years and never had any issues with my checking account. Back in XXXX, I noticed several overdraft fees and charges continually being pulled from my checking account when there was a XXXX or negative balance and each time an overdraft fee accrued. I called, they refunded the overdraft fees and said they put the overdraft protection on. Over the last XXXX years, I've always had that on and thought it odd they needed to reapply it. Fast forward to XX/XX/year> and again numerous charges went through when I had a negative balance. Again I called but this time they refused to refund the fees and said that with overdraft protection, charges can still go through.... '' AT THE BANKS DESCRETION ''!!! So, Wells Fargo allowed my XXXX XXXX XXXX account to go through, parking, and several other little charges but not my car insurance, resulting in 4 separate fees, totaling {$140.00}. They then told me they have had many changes to checking accounts recently and this was one of them. I said no, I not only have had this account for XXXX years, I've always had an overdraft protection that denied any transaction if the account was negative. They said the new changes took that away and also now include a {$15.00} service fee..... I'm furious! Needless to say I closed that 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 monetary relief