vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NY

Complaint narrative:
I closed my Chime checking account in XXXX of XXXX. Since then I have tried claiming the remaining balance from my account several times. The first attempt they claimed they mailed a check, but I never received it and moved to a new address in XX/XX/year>. I promptly made a new request, and again they claimed they were mailing it out but I didnt receive it. I moved again, and made a request when I moved, and made a new account because I kept running into the you closed your account excuse. Then they told me opening a new account was causing problems. Its been almost a year and I still havent received my money, and as far as Im concerned whatever investments theyre making are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit One LLC
State: FL

Complaint narrative:
To Whom It XXXX Concern, I am writing to dispute the Credit One LLC account associated with XXXX XXXX, currently appearing on my credit report. The account is reported inconsistently across the credit bureaus : XXXX : Open account / Loan type : Factoring company account / Pay status : Collection XXXX : Loan type : Debt buyer account / Narrative code XXXX Collection account These classifications are inconsistent and misleading. A single account can not simultaneously be reported as a factoring account and a debt buyer account while also showing collection status. Under the Fair Credit Reporting Act ( FCRA ), information on my credit report must be accurate, complete, and not misleading. I am requesting full verification of this account, including : XXXX. Documentation proving that Credit One LLC legally purchased this debt from XXXX XXXX XXXX. XXXX signed contract/Documentation showing the original account balance and terms XXXX. Clarification of the correct account classification and status If Credit One LLC can not provide proper verification or correct the account classification, I request that this account be removed from my credit report immediately. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio
State: OK

Complaint narrative:
they promise if i paid they would delete i explain before payment agreement to delete it i am trying to fix credit they said okay but i just see the update the account was it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Suttell, Hammer & White, P.S
State: TX

Complaint narrative:
I am receiving mail threats from Suttell & Hammer P. C. For payment of {$21000.00}. Without debt validation.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I sent a letter as a Direct Dispute Under FCRA 623 ( a ) ( 8. This is a direct dispute concerning my account referenced as reported to XXXX XXXX XXXX XXXX. I informed them that their reporting contains inaccuracies and inconsistencies that violate FCRA 1681s-2 ( a ) and XXXX XXXX XXXX reporting standards. I also informed them that if they can not provide documentary evidence validating complete and accurate XXXX XXXX compliance, they must notify XXXX XXXX XXXX XXXX to delete the tradeline. Failure to correct or delete inaccurate reporting may result in complaints to the CFPB, and the Florida Attorney General. And to please respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
My co-signer and i visited my bank to request a personal loan and the bank representive neglected to go through the complete and proper procedures for the loan application which in turn caused a denial of the personal loan. When going through the process of the application i was requested to give any necessary personal information needed, which i did, and my co-signer had to do the same, which she did. When asked about my place of employment i volunteered said information and when my co-signer was asked she did the same. Upon recieving my co-signers finacial information we were told that they still had her information in their system from when she was a member of the bank several years before. My issue is that the banker DID NOT tell us that he had no finacial history from oine of her on going incomes. We had made the assumption that when he said and i quote " I just need to UPDATE your information in our system for you ... '' we thought that he had ALL of her bank history. When we completed that day with him he told me he would give me a call to let us no what the outcome would be and he never did. Monday XX/XX/year> i reached out to him for an update of the loan request and he told me and i quote " The loan was denied because your credit score is to low and your co-signer could have gotten it on her own IF she had a better or secondary scource of income '' which at that point i interupted and asked him why he did not use her secondary fixed income as another scource of income. At this point i told him i would speak to his supervisor that following Wednesday XX/XX/year>. When i walked in that Wednesday i was met by the said rep. and was told he would be the one speaking to me which i denied and told him i wanted to speak with his supervisor and not him. At that point it became extremley uncomfortable and that was the point i sternly told him to walk away which at that point he threatend to call law enforcment to have me tresspassed from the premises because i would not deal with him in a " profesional manner ''. When he did such, i suggested he do so, that way i could file the formal complaint of him making unnecessary verbal threats. After, i went to another location to file the complaint of negligence and was told that the XXXX XXXX XXXX would reach out within several business days and that never accured. On Monday XX/XX/year> i reached out to the bank corporate pffice and was told that the complaint had been " finished '' and that i would not know of the outcome of my complaint. Now both my co-signer and myself had a " hard credit '' pull on a denial because of the banks negligence in completing the loan request properly and by legal and/or company compliance.

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: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: MD

Complaint narrative:
Subject : XXXX Forgiveness Not Processed Despite Eligibility Complaint : I am submitting this complaint regarding my federal student loans serviced by EdFinancial. I have been informed by the Department of Education that I have met the 240 qualifying payment requirement for XXXX XXXX ( XXXX ) forgiveness. My current qualifying payment count is approximately 255 payments. Despite meeting the eligibility requirements, my loans have not been discharged, and my servicer has not taken action to process my XXXX forgiveness. This appears to be a failure in processing or communication between the Department of Education and my loan servicer. I am requesting : 1. Immediate review of my account 2. Confirmation of my qualifying payment count 3. Immediate discharge of my loans under XXXX XXXX 4. Written instruction from the Department of Education to my servicer to complete the discharge Please provide written confirmation once this has been completed.

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 — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
My Ally Bank account was closed while a {$1000.00} wire transfer was pending ( XXXX XXXX # XXXX ). I am receiving conflicting and unprofessional information from XXXX phone agents. On XX/XX/XXXX, XXXX agent confirmed that the latest internal note shows a recall was received but rejected due to an " Incorrect Amount '' ( {$100.00} instead of {$1000.00} ). However, another agent claimed they could not find any record of the funds or the case number. I am filing this complaint to compel Ally Bank to provide a formal written response stating : XXXX. Did Ally receive a recall request for the correct amount of {$1000.00}? XXXX. If the recall is failing, what is the exact technical reason? ( Is it the wrong amount or missing XXXX IMAD trace ID? ) Crucial context : The sending bank XXXX XXXX XXXX XXXX XXXX has officially notified me via email today that they have sent multiple recall requests for {$1000.00} ( Ref # XXXX ), but they claim Ally Bank has XXXX to provide any response. > However, when I call Ally Bank, your agents give me conflicting verbal informationone said the recall was rejected due to an " incorrect amount, '' while another said there is no record at all. This lack of official communication from Ally Bank to the sending bank is preventing me from recovering my {$1000.00}. I need Ally to officially respond to the recall or provide a written explanation for the rejection. Crucial Tracking Info : XXXX provided me with the following internal trace numbers for this {$1000.00} transfer : Wise Reference Number : XXXX Bank XXXX XXXX XXXX ID : XXXX I demand that Ally Bank XXXX XXXX IDs to locate the funds and officially explain why the recall from XXXX is not being processed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
Subject : Request for Validation of XXXX Account I am requesting validation of the account you reported as a repossession on XX/XX/year> in the amount of {$8200.00}. Please provide : Proof of the original contract Payment history Date of first delinquency Notice of repossession Notice of sale of the vehicle Calculation of the balance Proof you have the legal right to collect If you can not provide this information, I request immediate removal of this account from my credit report. This letter serves as a formal dispute of the accuracy and completeness of this account under the Fair Credit Reporting Act.

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: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANCO POPULAR DE PUERTO RICO
State: KS

Complaint narrative:
XXXX, contacted XXXX to close and send check for remaining funds of over {$13000.00}. Was promised it'll be handled as soon as possible, it'll take a few days. XXXX sent email to verify my info via a form, while on the phone we concluded that their email was having some kind of delay/issue as i was not receiving relevant email however i was receiving other forms of emails from XXXX Called in XXXX & XXXX, to confirm no email still received, on XXXX they confirmed that their system was giving issues and to give it XXXX, i eventually got it on XXXX night, i then emailed back filled out doc to employee and the email he gave me. Ever since XXXX, I've called XXXX times to confirm movement of funds as these are needed to conduct business. Every call entailed NO INFO, NO UPDATE, only run arounds. XXXX, i emailed an employee ( male, I have evidence ) no response. XXXX Tues, received a XXXX second phone call, which hung up on the first ring. I quickly called back XXXX ( attached ), to see who called and why- was met with no answers us usual and transferred to other depts. I continued to call everyday to verify if everything is as scheduled, because i can still see funds on XXXX app however i can not access my debit card, ATH nothing. Money is virtually " stuck ''. So, kept calling, on XXXX was told to submit ID, i did that within XXXX of that call. Ever since i have called, and sent emails for confirmation on if info was received and updated timeline on receiving funds as this is dependent on conducting business and my livelihood. I even requested for expedited process due to their lag in this. I am under plenty stress, and strain due to XXXX 's clear dismissal of policy and ethical procedures. This standard of business affects my personal and business relations, especially my mental health. I have evidence for all ; XXXX full weeks begging for my available funds. Holding available funds is, by many banking laws, unacceptable, points to other criminal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XX/XX/year>, I bought a flight ticket at the price of around {$340.00}, as I remember, by Chase Bank debit card on the XXXX payment webpage. However, in reality, XXXX charged me {$580.00}, which wasn't displayed on the payment page. It shows a significant discrepancy with the amount subsequently charged to me ( {$580.00} ) and the prices shown on the original order screen ( around {$340.00} ). I believe this constitutes an incorrect transfer amount under Regulation E ( Electronic Fund Transfer Act ). I also strongly requested a free cancellation from XXXX on that day. A customer service operator informed me that a supervisor would contact me by phone within XXXX hours, and I provided both my phone number and email address for this purpose ; however, on XX/XX/XXXX, I have not received any phone call. I received an email from XXXX on XX/XX/XXXX stating that they tried to call me but could not connect, yet there is no record of any call on my phone. Furthermore, XXXX does not provide customers any other way to contact them than via chat or waiting for a phone call from them. I have attempted to request the data regarding the initial price display, but I am unable to connect to XXXX operator. My claim regarding the overcharging is further supported by the price XXXX and XXXX displayed for the exact same ticket ( {$340.00}, XXXX XXXX XXXX, from XXXX XXXX to XXXX XXXX, XXXX, XX/XX/year> ) just three days after I made my payment. I filed a dispute with Chase Bank regarding this issue on XX/XX/XXXX with relevant evidence, but it was denied on the basis that the receipt I provided shows the price of {$580.00} ( price {$300.00} + tax and charge {$280.00} ). This reasoning is inadequate because the problem is the illegitimate price display, the different amount charged, and my lack of consent for it. I provided a more detailed explanation of the issue to Chase Bank ( to the supervisors of the call operators ) twice on XX/XX/XXXX, requesting a re-review of the case, but my request was denied for the same reason that the receipt I provided shows {$580.00}. Customers can not access to the data for the payment webpages of XXXX, so Chase Bank ' requirement that I provide the official document which shows the charge of {$340.00} is unreasonable. I am therefore requesting that the Consumer Financial Protection Bureau investigate this matter and ensure that my dispute is properly reviewed and addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
US DEPT ED XXXX XXXX ( XXXX, XXXX ) {$1500.00} ( CLOSED ACCOUNT ) Collection Agency Pursuing to consumer law XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX J They Are Not Your Original debtor and you dont have a signed agreement with them. DELETE LATE PAYMENT XXXX XXXX CODE XXXX ( b ) DELETE COLLECTIONS XXXX XXXX CODE XXXX ( g ) DELETE CHARGE OFFS XXXX XXXX CODE XXXX ( c ) XXXX / XXXX ( b ) DELETE REPOS XXXX XXXX XXXX XXXX ( XXXX )

Company response to consumer: Untimely response
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NE

Complaint narrative:
Hello i have an account with Chime but my account was hacked and my money was used i filed a dispute and it was denied and im not sure why they wont give me my funds back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: ID

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I was charged {$64.00} for a identity protection subscription that I did not sign up for and they have no evidence I signed up for it or documentation that I did and I know for a fact, I did not sign up for it, and it was against my consent and only refunded me for XXXX month out of XXXX. Tried to talk them into a refund but they said they could not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I made a mistake by depositing a business check into my personal account. Because of this, the bank considered it fraudulent and closed my account. The funds, in the amount of {$4300.00}, have been frozen for over XXXX days. I have called multiple times, but they do not give me any clear information and say there is no set timeline for resolving this issue. I am requesting the immediate release of the funds or their return to the issuer.

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