vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: WI

Complaint narrative:
On XX/XX/XXXX I was charged {$1400.00} from XXXX. I was under the impression they could not charge me this money until I had completed certain paperwork, so it was surprise cost that was not budgeted for. Within minutes I called XXXX customer service where I asked for a refund. The representative assured me that they had not charged me, after about XXXX minutes she realized that it was pending but it " will not go through. You won't be charged. '' And was told it should fall off after a few days despite the fact that I had not received a cancellation, rather a thanks for your order email. On XX/XX/XXXX I checked my bank account with Chime app and the {$1400.00} from XXXX went from pending to posted. I immediately filed a dispute because XXXX claimed I wouldn't be charged. After opening the dispute, the customer service rep at Chime informed me I should still try to get a refund from XXXX, as that would be the easiest route. I took his advice. I called XXXX back right after and that customer service rep issued me a refund. I thought all was well. I even received a notification from my Chime App saying " Your money is on its way! A refund of {$1400.00} from XXXX XXXX should post XXXX XXXX. '' It never posted. I called both XXXX XXXX and Chime after that timeframe had passed to make sure everything was in order. I was assured from both companies that everything was fine. XXXX said the money was on its way, Chime said sometimes it takes longer. On XX/XX/XXXX I got an email saying that the dispute was closed from Chime. Which I thought nothing of because I had received a refund and was just waiting for it. After calling XXXX multiple times inquiring, being told " the dispute is still showing as open it can't go through until it's closed '', on XX/XX/XXXX I finally talked to a manager at XXXX that informed me what happened. On XX/XX/XXXX, when Chime closed my dispute, they also blocked the refund from coming from XXXX, as that was the company I had filed the dispute against. XXXX had nothing more they can do, they sent the money on the XXXX of XXXX. It's on Chime. I called Chime back on the same day, XX/XX/XXXX and tried to explain the situation. All they did was reopen my dispute and told me to attach all the proof that I had that I had received a refund. I did all of that. I attached several emails, I attached screenshots, I attached a notification FROM the chime app from the notification described above, proving that I had received a refund. On XX/XX/XXXX I was informed by Chime that I lost the dispute because there was no error. On XX/XX/XXXX, I got an explanation saying my refund went against XXXX 's refund policy. I was granted a refund from the company. It is not up to Chime to dictate whether or not I should receive a refund that was literally given. They stole {$1400.00} from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Selene Holdings LLC
State: IN

Complaint narrative:
After the borrowers death on XX/XX/year>, I acted in good faith to resolve the mortgage and confirm what protections applied, including mortgage life insurance connected to the loan. XXXX XXXX was the last known servicer handling the loan while escrow records still reflected mortgage life insurance, and that is the company the borrower had been paying. Servicing was later transferred to XXXX and then to Selene Finance. Once Selene took over, I was repeatedly asked for the same documents for months to prove successor-in-interest status, even after I had already provided them. I received different answers depending on who I spoke with, was never given a reliable point of contact, and received boilerplate letters that did not address the actual questions I was asking. Selene also falsely claimed that I had sent a cease-and-desist letter, which I did not send, and that false statement appeared to be used as a reason to avoid communicating with me. At the same time, the servicer failed to provide clear proof of authority to enforce the loan and failed to meaningfully address or investigate the mortgage life insurance issue, even though that issue was central to whether the account should have remained in default. Instead of resolving those issues, the servicer continued pushing the account toward foreclosure while withholding clear answers and sending nonresponsive form letters. As a result, I was denied meaningful access to information needed to protect the home, resolve the account, and evaluate the mortgage life insurance coverage before foreclosure and loss of property occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
A person went into the Chase Bank branch in XXXX XXXX, XXXX and presented several forms of identification, all of which were fradulent. The teller then processed a withdrawal in the form of a cashier 's check to the person for {$30000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NC

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 : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Validation of Debt Request - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: CO

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 : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
On XX/XX/year> I paid off the balance of XXXX on my personal account. I disputed it twice on my credit report and its coming back verified unpaid on all XXXX credit bureaus.It went to a XXXX party agency and they stated that XXXX XXXX XXXX needs to contact them to verify that its been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I am submitting this complaint regarding a loan account that I believe was opened or processed without my proper authorization with the amount of a {$7500.00}. The lender identified in this case is XXXX XXXX XXXX and the loan relates to an XXXX XXXX XXXX XXXX XXXX XXXX. I previously reported this activity as unauthorized and requested an investigation. After their review, the company informed me that they believe the activity was associated with my account and that the loan remains my responsibility. However, they have not provided sufficient documentation proving that I knowingly authorized or executed this transaction. I formally dispute this loan and request that the lender provide the following documentation : XXXX. The original signed loan agreement. XXXX. The full loan application submitted. XXXX. IP address and device information used during the application process. XXXX. Identity verification records used to approve the loan. XXXX. The bank account where the loan proceeds were deposited. XXXX. Any communications confirming my consent to this loan. If the lender can not produce verifiable proof that I knowingly entered into this agreement, I request that the account be removed and that any reporting to credit bureaus be corrected immediately. This matter may involve identity theft or unauthorized use of my personal information. I am prepared to provide an identity theft affidavit and police report if necessary. I request that the CFPB review this matter and require the lender to provide full documentation supporting their claim that this loan was legitimately authorized by me. Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: IL

Complaint narrative:
Product was stolen, I gave sheriff report number to Alabama power, now collector trying to make money off debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
Subject : Request for Removal of Charged-Off Account Due to Missing XXXX Dear Sir or Madam, I am writing regarding the account listed on my credit report as a charged-off account. According to IRS guidelines, when a creditor cancels or forgives a debt of {$600.00} or more, they are generally required to file and provide the consumer with a Form 1099-C ( Cancellation of Debt ). As of today, I have not received a Form 1099-C related to this account. If the debt has truly been canceled or written off, I request that the required tax documentation be provided to me. If no 1099-C has been issued and the debt has not been legally canceled, then the continued reporting of this account as a charge-off may be inaccurate. Therefore, I respectfully request one of the following actions : Provide a copy of the filed Form 1099-C associated with this account, or Correct or remove the charge-off status from my credit report with all credit reporting agencies. Please investigate this matter and respond within 30 days of receipt of this letter. If you are unable to provide proof of the 1099-C filing or accurate reporting documentation, I request that this account be removed from my credit file to ensure compliance with fair credit reporting standards. Thank you for your time and attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-17 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: TX

Complaint narrative:
Please give this entry a second look ; its late and possibly mistaken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
I contacted Cashnet and asked why my account payment options are locked and will not allow me to make changes to how I pay my bill. They sent me in a phone loop to several people and eventually hang up

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: SD

Complaint narrative:
Got loan online, then went into building. Wasn't aware of the fees ect. Loan lead to having to file bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am requesting the following : 1. Full validation and documentation proving this account was lawfully established for Collection and charged off. 2. Copies of the original signed contract or agreement bearing my signature. 3. A detailed payment history, including how the balance and charge-off status were calculated. If you can not provide I am formally disputing the accuracy and validity of the collection charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. The details of the fraudulent account are as follows : Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Amount : {$8000.00} ( I never signing any documentation with my hand and letters giving any permissions for used my personal information without my permission I was victim of identity theft ) Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. The balance, past due amount, and status are not accurately reported. The account does not reflect complete and verifiable records of the debt. Under FCRA 15 USC 1601, FCRA 609 ( a ), FCRA 15 USC 1692, FCRA 611, And If they dont delete negative items off my credit report after this notice I will owe you {$1000.00} per item which is 15 USC 1681N which is civil liability complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA . Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. I expect your investigation and response within the required 30 days. Sincerely, XXXX XXXX

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 2026-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) Complaint Narrative XXXX XXXX XXXX XXXX Subject : Public Service Loan Forgiveness ( PSLF ) Processing Error and Servicer Mismanagement XXXX XXXX I am submitting this complaint to request immediate intervention and resolution regarding a significant error in the handling of my federal student loans under the Public Service Loan Forgiveness ( PSLF ) program. I consolidated my federal student loans, including Parent PLUS loans, with the explicit intent of applying my highest qualifying payment count ( over XXXX qualifying payments ) across all balances in accordance with PSLF guidelines. At the time of consolidation, my loans had already met and exceeded the XXXX threshold required for forgiveness. However, during the consolidation process, an administrative failure occurred. According to a formal response provided to XXXX XXXX XXXX office by Federal Student Aid, my loans were * * forgiven prematurely in the middle of the consolidation process * *, which prevented the consolidation from being completed. As a result : * My loans were improperly * * separated after consolidation * * * A portion of my loans was forgiven, while others were left active * My qualifying payment count was drastically reduced from over XXXX payments to only XXXX payments * I was required to request an opt-out of forgiveness during consolidation, which I did, but * * that request was never processed or honored * * * I am now being required to continue making payments on loans that should have already been forgiven This situation is not due to any error on my part. I followed all required steps, submitted the appropriate requests, and acted in good faith throughout the process. The failure lies with the loan servicers ( XXXX XXXX XXXX ) and/or Federal Student Aids processing systems. Despite my repeated efforts to resolve this issue, including spending hours on hold with both servicers and submitting multiple formal complaints, no resolution has been provided. My Federal Student Aid feedback case numbers include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This has caused significant financial and emotional distress, as I am being held responsible for a balance that should have been discharged under PSLF.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BUSEY BANK
State: IL

Complaint narrative:
On or about XX/XX/year>, an insurance settlement check in the amount of {$81000.00} was issued by XXXX XXXX and made payable to both myself and my ex-spouse. On XX/XX/year>, the check was presented at Busey Bank and processed by a branch XXXX, XXXX XXXX. I was not present and did not endorse the check. Despite requiring endorsement from both named payees, the bank accepted and processed the check without my authorization or signature. Bank records show that on XX/XX/year>, the full amount of {$81000.00} was deposited and then immediately withdrawn in the amount of {$81000.00} on the same day. The funds were then redirected to an account associated with my ex-spouses mother, without my knowledge or consent. This transaction directly contradicts Busey Banks own procedures for handling insurance checks, which require all payees to endorse the check and outline a controlled process for disbursement of funds, not immediate full withdrawal. The transaction was handled by branch XXXX XXXX XXXX, who is the cousin of my ex-spouse. This raises serious concerns regarding a conflict of interest and lack of proper oversight. At the time of this transaction, the funds were marital property and subject to ongoing legal proceedings in XXXX XXXX, Illinois. The court has since found my XXXX in contempt related to these funds, confirming that the funds were wrongfully taken. Based on the lack of required endorsements, the immediate withdrawal of the full amount, and the involvement of a bank employee with a familial relationship to one party, I believe this transaction may involve fraud or improper conduct. As a result of the banks actions, I have suffered significant financial harm and have been forced to cover household and child-related expenses that should have been paid using these funds. I am requesting a full investigation into the banks handling of this transaction, including the failure to obtain required endorsements, the immediate withdrawal and transfer of funds, and the involvement of a bank employee with a personal relationship to one party. I am also requesting reimbursement of the insurance proceeds, correction of any improper transactions, and compensation for damages caused by the banks failure to follow proper procedures.

Company response to consumer: Closed with explanation