vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 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: Chime Financial Inc
State: NY

Complaint narrative:
I was scammed out of the money on my bank account on XX/XX/XXXX. Around XXXX $ ( I am currently working and will access exact amount later when I can get on my personal laptop to see my chime account ) The person used my card online and then direct paid themselves to their own account. 
They were also able to change the phone number on my account. 
I alerted chime. 
They denied my fraud report and requested I get a police report. 
I then did that and refiled my fraud claim. 
The next day I was again denied. 
I also provided information showing the email about log ins from other places. That were clearly not me. 
I have had chime over XXXX years and have never filed complaints nor have I used the direct pay feature in their app. 
Chime now wants to have me re-appeal my case. I have no new information so I believe that is unnecessary. I would like to file a report here before I take further action with a lawsuit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Unauthorized transaction : {$23.00} .. XX/XX/year> @ XXXX text from BOA, XXXX Had a transaction outside XXXX states of United States XXXX Call us at XXXX. '' I called BOA to confirm I made a transaction outside XXXX it was My Perfect Resume for {$2.00}. Same day at XXXX {$23.00} charged to my account, Unauthorized. This is when I went online to BOA APP to start procedure to file unauthorized transaction. I have made Numerous calls to BOA, have spoken with customer service, and allegedly a Supervisor/ Manager, and online with No Resolve. {$23.00} may not be a large amount however, it is MY money! I am a senior and this amount shorted my rent and, placed my bank account in negative status, and caused my rent payment to be declined.

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 2026-01-06 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I originally signed up for the store card at Zales to pay for my wife 's and my wedding rings. At the time, it was not explained to me that I would be charged interest on the FULL AMOUNT if not paid in full by the end of the promotion. I paid every month, on time and made my last payment of {$250.00} on XX/XX/year>. This amount was for the final remaining balance and was then completely paid off. I then received an additional bill for interest of {$870.00} XXXX for the entire original balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
I am filing this complaint regarding an insurance balance that Caine & Weiner is reporting as a collection account on my credit reports with XXXX XXXX XXXX The information being furnished is inaccurate, incomplete, and misleading, and it does not reflect the true status of the account. 

Caine & Weiner is reporting an amount and status that appear inconsistent with the records of the original creditor ( XXXX XXXX ), and the collector has not provided a complete validation of the debt or a breakdown of how the reported amount was calculated. Despite prior dispute requests, the account continues to be furnished in a manner that misrepresents the balance and account history.

This reporting is causing ongoing credit harm and appears to violate : FCRA 623 ( a ) duty to furnish accurate and complete information FCRA 607 ( b ) maximum possible accuracy standard FDCPA 807 false, deceptive, or misleading representation of debt information I am requesting that this account be fully validated with itemized documentation from the original creditor, or removed from my credit reports if it can not be verified with accurate, complete records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
I sent the following email to XXXXMOHELA on XX/XX/25 : I believe that I attended a predatory school and want to challenge my Navient private student loans. I am now contacting XXXXMOHELA, and I am requesting a School Misconduct Discharge Application. 

If XXXXMOHELA refuses to provide me with an application, I will submit a complaint to the Consumer Financial Protection Bureau XXXX CFPB ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I have been CONTACTED several times by different companies about the same information. I told them to stop all contact and remove false report on all credit bureaus. 
They are asking for money not owned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I opened a Wells Fargo business checking account in order to receive a {$400.00} promotional bonus. 
After meeting what I understood to be the promotional requirements, Wells Fargo informed me that I did not qualify based on current promotion terms. 
What I believe is wrong : Wells Fargo states they can not locate the original promotional offer or disclosure tied to my account opening date. They are denying the bonus based on current rules instead. 
I believe Wells Fargo should honor the promotion that was in effect when the account was opened, or provide a goodwill credit. The banks inability to locate the original disclosure should not disadvantage the customer. 
What I want resolved : I am requesting payment of the {$400.00} promotional bonus or a one-time goodwill credit to resolve this matter.

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 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
According to Law 15. U.S.C 1692C you have violated my rights by unlawful communications. Please remove this collection from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
My card was paid off in full XXXX days before the payment was due- it was paid off in full with a {$0.00} balance within the XXXX period. I got an email XXXX weeks later saying I now owe interest on a card with a XXXX balance. Last I checked, XXXX multipled by ANY interest percent rate was still XXXX, unless math has suddenly changed. I called to ask why there was interest and every single agent said 'interest for purchases ' when there have been no transactions made on this card in months, all payments have been made on time and been paid over the minimum balance, and the card was paid off IN FULL before payment was due WITHIN THE PAY PERIOD. I have paid the {$85.00} capital one claims I owe and closed the card AND my entire account to avoid further interest charges on a {$0.00} balance since apparently they're sketchballs that like to say I owe money for fun. I want my cash that I DID NOT OWE back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Company : Credit Acceptance Corporation Loan Year : XXXX Issue Summary : I am submitting this complaint against Credit Acceptance Corporation regarding a XXXX auto loan that involved predatory lending practices, improper repossession, and inaccurate credit reporting that continues to damage my credit. 

Credit Acceptance extended a loan despite clear indicators that I could not reasonably afford the payments. The loan included excessive interest and fees that were not clearly or fairly disclosed at origination. I believe this constitutes predatory and unconscionable lending. 

In XXXX, Credit Acceptance repossessed the vehicle. The repossession and post-repossession process were improper. I did not receive adequate or lawful notice regarding the repossession, the sale of the vehicle, or a clear and accurate explanation of how any alleged deficiency balance was calculated. To this day, Credit Acceptance has not provided full documentation supporting the repossession, sale, or remaining balance. 

Despite these issues, Credit Acceptance continues to report negative and damaging information to the credit bureaus. This reporting is inaccurate, incomplete, and misleading, and does not reflect the true legal status of the account. The company has failed to provide proper verification when the account has been disputed. 

Credit Acceptances actions violate the Fair Credit Reporting Act ( FCRA ), federal consumer protection standards, and Florida consumer protection laws, including prohibitions against unfair and deceptive acts and practices. The continued reporting of this account is causing ongoing financial harm.

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 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I received an unsolicited debt collection text message from IC System regarding an XXXX XXXX XXXX XXXX  account. This was the first time I was ever contacted by text regarding this alleged debt, and I never provided consent to receive text messages. The message included a link to sensitive debt information secured only by my ZIP code, creating a privacy and third-party disclosure risk. I believe this violates the TCPA and FDCPA.

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 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: WA

Complaint narrative:
On XX/XX/XXXX I purchased money orders from my local XXXX. I paid XXXX and they gave me a total of XXXX money orders. I accidentally ripped one of my money orders before I could submit it to my apartments. The money order that was ripped has {$500.00} and my apartments didnt accept it because of it being damaged. I went to serval different western unions trying to get a replacement but I was told I have to make a refund request, on XX/XX/XXXX I made an online request for refund. On XX/XX/XXXX they sent out another email asking for more information so they can confirm Im the purchaser of the money and indeed I sent all the information I have, I sent the receipt and the half ripped money order. Days go by and I havent heard anything back from them so I give them a call and I was told my request had been denied due to them not being able to confirm if I was the purchaser or not. I simply explained that the money order is ripped and I couldnt send a picture of the whole money order front and back but I do have the receipt, they told me to ask XXXX if they can write a statement saying that I am the purchaser of the money order. I asked XXXX if they was able to do that, they told me they dont do stuff like that, I would have to go through western union XXXX I called western back and told them what XXXX told me but they still told me the same information, I have to submit a refund request. On XX/XX/XXXX I made another online request just submitting my receipt from XXXX seeing if that would be able to help but on XX/XX/XXXX they sent another email saying they need more information to be able to confirm Im the purchaser of the money order, I called western union again and explained my frustration that I did everything I can do and just been running around in circles with the same information and it hasnt gotten me anywhere, I was told I have to submit a refund request to get a refund on my money order. On XX/XX/XXXX I made another online request submitting the ripped up money order and writing in the notes section that my money order is ripped. On XX/XX/XXXX I got a email saying they need more information to submit my request so I send a picture of the XXXX receipt and called western union again and this time asked to speak with a manager. I spoke with the manager and was told my last option was getting a police report with the money order number attached to it. Today XX/XX/XXXX I went to the police station and asked for a incident report explaining what happened and what I need from them and I was told they cant do anything about it because its not a crime, its a civil matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I am ay mother of XXXX i am being harrased by this company they are calling all hours of the day sending multiple emails. I plan on seeking ligatation in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: UT

Complaint narrative:
I am submitting this complaint regarding improper debt collection related to a disputed XXXX charge that was sent to collections despite written confirmation that the debt had been removed. 

XXXX assessed a {$100.00} charge for customs and brokerage fees on a package that I rejected on XX/XX/year>. I disputed the charge in writing. On XX/XX/year>, I received a bill dated XX/XX/year> with a due date of XX/XX/year>, XXXX days before I had even received the bill. I disputed this. Another bill with late fees was sent XXXX weeks later. I disputed this once more. 

On XX/XX/year>, XXXX provided written email confirmation that the charge and invoice would be removed from my account and that no payment was required. I relied on this representation. 

Despite this, XXXX failed to correct their records and ultimately sent the disputed {$100.00} to collections, including a {$20.00} tariff I had been prepared to pay separately. Sending a debt to collections after confirming in writing that it was voided is improper and misleading. 

This action caused unnecessary stress and raises concerns about inaccurate billing, failure to honor written representations, and improper escalation of disputed debts to collections. I am requesting that the debt be recalled from collections and that no negative credit reporting occur.

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 2026-01-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Majority USA, LLC
State: OH

Complaint narrative:
I am filing this complaint regarding XXXX XXXX, XXXX, the issuing bank for my Majority account, for violations of Regulation E ( 12 CFR 1005 ) in handling my dispute for unauthorized casino transactions. 

The total amount of unauthorized transactions is {$840.00}, not the partial amount referenced in the banks denial. The unauthorized transactions occurred during the same time period and involved the following merchants XXXX XXXX XXXX XXXX XXXX XXXX The bank issued a denial referencing only a single transaction ( approximately {$450.00} with XXXX XXXX and failed to include or investigate all related unauthorized transactions, despite them arising from the same circumstances and time period. This constitutes an incomplete and unreasonable investigation under Regulation XXXX. 

Critically, at the time all of these transactions occurred, I was hospitalized and medically incapacitated, making it impossible for me to initiate, approve, monitor, or stop any of the transactions. This material fact was provided to the bank, yet it was not meaningfully addressed in the denial. 

In addition : The bank issued a conclusory denial relying on vague references to authentication elements and prior transaction history without identifying specific evidence proving authorization.

The bank refused to provide copies of the documents relied upon in denying the dispute, despite my request, in violation of 12 CFR 1005.11 ( d ).

Bank representatives stated that because I knew who did it, I should have been able to stop the transactions. Regulation XXXX does not impose liability based on knowing or suspecting the identity of a third party. 
The bank further stated it would not reconsider or investigate unless I filed a police report against my daughter, improperly conditioning my Regulation E rights on initiating criminal proceedings. Regulation E does not require a police report as a condition of disputing or reinvestigating unauthorized transactions. 

The bank has improperly shifted its burden of proof to me, ignored evidence of incapacity, conducted a partial investigation, refused required disclosures, and conditioned dispute rights on filing a police report. 
What I believe the company did wrong Failed to conduct a reasonable investigation under Regulation E Conducted an incomplete investigation by excluding related transactions Issued a denial for an incorrect amount Failed to establish authorization Refused to provide required denial documentation Improperly required a police report Attempted to shift liability to the consumer

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Mercury Technologies, Inc.
State: NY

Complaint narrative:
As of todays date XX/XX/year>, my Mercury personal checking and savings account shows that I funded a total of {$340000.00} from my other U.S. bank account. 

Of that amount, I can only see {$34000.00} currently available, and an additional {$94000.00} is shown as pending to be credited to the account today. The remainder of my funds are inaccessible.

Mercury closed my account without providing any specific reason or identifying any Terms of Service violation. After the closure, Mercury placed an indefinite hold on my remaining funds and stopped communicating with me.

I contacted Mercury and requested the reason for the account closure, the specific Terms of Service violation, and clear instructions and a timeline for the return of my remaining funds. Mercury refused to provide this information and stated they would not communicate further.

No court order, subpoena, or government seizure notice has been provided to justify withholding my funds. Mercury has not returned my money and has provided no timeline or method for release.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Business Processing Solutions, LLC
State: MO

Complaint narrative:
The Pioneer Credit Recovery company is charging XXXX in interest charges above the loan amount of XXXX. The total current balance due of XXXX. 

That is exuberant interest. My plans is to pay the loan off. However, these interest rates are ridiculous.

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 2026-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I need help with all of these inquiries are not mine, I want to BLOCK AND REMOVE : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation