vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 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: Chime Financial Inc
State: OK

Complaint narrative:
On XX/XX/XXXX I was charged twice ( {$54.00} each ) by Chime for one metal debit card. I called Chime the same day and was told there was only one charge and not to worry. I later received two cards on XX/XX/XXXX and was told I could not dispute the duplicate charge because I received both cards. A ticket was created with ticket number XXXX. I did not authorize two purchases. This is a duplicate electronic fund transfer under Regulation E. Chime also refused to provide provisional credit. I am requesting the duplicate {$54.00} be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
I received a collection notice from National Credit Systems for a debt of {$8500.00}. I do not have the account number. I believe this debt is inaccurate, already paid, or does not belong to me. I am requesting verification of the debt and that any incorrect information be removed or corrected on my credit report. Supporting documents are attached, including payment records and correspondence. 

I am disputing this debt reported by National Credit Systems for {$8500.00}. I am requesting verification of this debt from the collection agency. If the debt can not be verified, I request that it be corrected or removed from my credit report. Additionally, I request that no collection actions be taken until the debt has been fully verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: TX

Complaint narrative:
Complaint Description : I am filing a complaint regarding Bank of Americas handling of a debit card dispute. 

On XX/XX/year>, a charge in the amount of {$120.00} was posted to my debit card by XXXX XXXX. 

I cancelled my XXXX XXXX service prior to this transaction. On XX/XX/year>, I disputed this charge with Bank of America. 

Bank of America initially issued a temporary credit while the dispute was under investigation. However, on XX/XX/year>, Bank of America reversed the temporary credit and finalized the dispute ( Claim # XXXX ), stating that the transaction was completed and that the funds were transferred to XXXX XXXX. 

XXXX XXXX has repeatedly informed me that they did not receive these funds and can not locate this transaction in their payment records. I contacted XXXX XXXX XXXX times, being transferred between multiple departments, and every representative confirmed that they can not find this payment and therefore can not issue a refund. 

I also called Bank of America XXXX times regarding this dispute. Each time, I was told that the transaction is completed and that the funds were transferred to XXXX XXXX, without any verifiable documentation or proof provided to me. 

This creates a direct contradiction : Bank of America claims the merchant received the funds, while XXXX XXXX consistently states they did not. Despite this, Bank of America finalized the dispute and withdrew the provisional credit, leaving me responsible for an unresolved charge of {$120.00}. 

I believe Bank of America did not properly investigate this dispute and finalized the charge without sufficient evidence.

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 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
I disputed the validity of this debt and request that you provide competent evidence that I am legally obligated to pay it. Please provide the following : 1 Proof that you own or have been assigned this debt, including the original creditors name and full account number 2 A copy of the original signed contract or agreement showing I agreed to this debt 3 A complete payment history from the original creditor 4 The date of the alleged delinquency and date the debt became collectible 5 Proof that your company is licensed to collect debts in my state 6 Verification that the amount being reported is accurate, including any fees or interest added Until this debt is fully validated, you must cease all collection activity, including credit reporting.

If you are unable to provide the requested validation, I demand that this account be deleted from all consumer reporting agencies Any continued reporting of this account without proper validation may constitute violations of the FDCPA and FCRA.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I had some large purchases repairs and exceeded my credit limit on my Sam 's Club credit card issued by Synchony bank. 
I immediately made an almost {$11000.00} payment using their system on XX/XX/XXXX. 
That payment cleared my bank on XX/XX/XXXX. 
My card shows I have a balance {$9000.00} BELOW my credit limit, but they are denying my purchases because of the payment hold. 

I requested my concern be escalated to the team that handles payment holds. 
I was escalated to an account manager and then escalated again to another account manager. 
They told me no one has the authority to release a payment hold. 
I suggested that there was a person with the authority to institute the policy and therefore that person has the authority to override the policy. 
I was again told no one has the authority to override a payment hold. 
I said are you sure the XXXX or XXXX can't override it? She reiterated no one at the bank can override a payment hold. I then asked for a Corporate number I could call to talk about this complaint. She said there isn't one. I do not believe that Synchony bank is dealing with me truthfully. She explained this is the largest payment I have ever made and that is why it was put on hold. It was only {$1000.00} larger than last month. I then said I currently have a {$6000.00} balance that will grow before my next payment, what level of payment triggers a payment hold, I don't want another one... she said " I don't know ''.

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 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: CO

Complaint narrative:
I disputed an installment account that is reporting inaccurate, inconsistent, and unverifiable information on my credit report. The account shows a balance and past due amount of {$210.00} with a high balance of {$630.00}. The account reflects conflicting dispute information, showing both in dispute and account not disputed, which is inconsistent and misleading. The account is also reported as collection or charge off, while the original creditor is listed as unknown. The last payment is reported as XX/XX/year> and last activity as XX/XX/year>, yet the account continues to report derogatory status and past due history. I requested validation including proof of legal ownership, complete payment history, documentation supporting the balance, verification of charge off or collection status, and confirmation of all reported fields. No proper documentary validation has been provided, and the inaccurate data continues to be furnished despite my dispute. This raises serious concerns regarding accuracy, data integrity, and reasonable reinvestigation compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I applied for and was approved for an L.L.Bean Mastercard on XX/XX/year>. However, I never received the physical card. When I attempted to set up my online account to manage the card and verify my information, I encountered multiple barriers that have trapped me in an endless cycle with no way to reach customer service or resolve the issue. 

DETAILS : Non-Delivery of Card : I signed up for the L.L.Bean Mastercard but the physical card was never delivered to my address. I have no card number, expiration date, or other card details. 
Website Technical Failure : When attempting to access my account online at the L.L.Bean Mastercard website, I tried to use the account recovery feature ( " Forgot User ID or Password '' ). The form requires verification information ( name, last 4 digits of SSN, and phone number ). However, when I completed and submitted this form with my correct information, the website crashed with a XXXX error ( " Can not read properties of null '' ). The form simply reset without processing my request. 
Chatbot Loops : The company 's online chatbot provided guidance to request a replacement card, but clicking the " Request Replacement Card '' button simply redirected me back to the login page, creating an endless loop. The chatbot itself acknowledged the issue by saying it was " having a little trouble getting you to the right place. '' Phone Lines Unreachable : I attempted to call both provided customer service numbers : Main number : XXXX Technical Assistance : XXXX Both lines have put me in automated IVR systems from which I can not reach a live representative. 
No Alternative Contact Methods : There is no functional email support, web form, or alternative method to contact customer service about this issue. 

THE PROBLEM : I am caught in a Catch-22 situation : I can not access my account online because the website has a technical bug I can not request a replacement card because the system requires me to log in first I can not reach customer service by phone The company offers no alternative way to contact them This has left me completely unable to access or manage my credit card account, and I have no way to communicate with the company to resolve it. 
IMPACT : I can not set up my online account I can not make purchases with the card I can not manage billing or payments I have no contact with the company to resolve any of these issues The company 's systems appear to be fundamentally broken for new cardholders who haven't received their physical card

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 2026-01-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Lien release
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
I entered a COVID forbearance and was told by my servicer, XXXX XXXX, that the missed payments would be deferred or moved to the end of the loan. 
Instead, when the forbearance ended, I was told I had no option other than refinancing in order to resume payments. 
That refinance raised my rate from about 3 % to 7.375 %, doubling my monthly payment. 
After the refinance, I was only able to make XXXX payment before the loan became unaffordable. 
My XX/XX/XXXX statement confirms my forbearance arrears were approximately {$33000.00}, including escrow shortages and fees. 
However, XXXX months later in XX/XX/XXXX, I was placed into a VA XXXX XXXX of {$220000.00}, more than XXXX times the actual arrears, without clear explanation or consent. 
This second XXXX was never disclosed to me as the outcome of forbearance and only became visible when the loan transferred to PHH. 
The inflated partial claim, combined with my refinanced loan balance, now prevents me from selling my home at a fair market price without a short payoff. 
I am no longer living in the property, am renting elsewhere, and am selling voluntarily to prevent foreclosure and minimize loss for all parties. 
I am requesting immediate assistance to approve a short payoff, release both liens, and allow closing while I pursue VA options for waiver of any remaining balance created by servicing errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year> I was on my way to XXXX to pass the holidays with my family when around XXXX XXXX  I started to receive notifications of my bank that money was withdrawal at a ATM. A total of XXXX withdrawals XXXX of {$300.00} Dollars and XXXX of {$200.00} dollars as soon as I saw the notifications I contacted my bank to freeze my card and to dispute the transactions I provided I provided the info they asked for and explained that I was on my way to XXXX and that I didn't withdraw that money.so my dispute started and 4 days later I get notifications that my claim was resolve and that it was denied because no error occurred

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was the victim of a fake check scam. XXXX scammers sent me fraudulent checks and pressured me to send money back before the checks bounced. I reported this to Wells Fargo immediately. After the checks were reversed, my account became negative. Wells Fargo denied my fraud claim saying I authorized the transactions, even though they were made under coercion and false pretenses.

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 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I was paying my AAA bill on XX/XX/year>2025 and a gentleman asked me if I wanted a rewards card with them. At no point did he say it was a credit card, a visa card, or that it would be a hard inquiry. I did not give authorization or permission for him to gain access to my credit report. I have been trying to get this removed ever since. I've talked to AAA, I've talked to XXXX, and I've only been given the run around and back & forth of them not knowing the proper information to rectify the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
To whom this may concern, I spoke to American Express before signing up for their platinum card. American express representative indicated I will receive XXXX Membership Reward points upon spending {$6000.00} within 6 months of signing up. I spent over {$6000.00} within 2 months of signing up, received the XXXX XXXX XXXX, and my account was closed immediately after. This prevented me from not being able to access the XXXX Membership Reward points and American Express refuses to refund my {$690.00} annual fee. I have contacted American Express numerous times and not receiving any assistance. Please assist XXXX XXXX XXXX XXXX. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT CONCEPTS, INC.
State: WA

Complaint narrative:
I took out an auto loan through CREDIT CONCEPTS for the amount of $ XXXX for a car priced at XXXX but due to poor credit we were made to pay a higher price. This vehicle ended up breaking down and continuously needing parts replaced within 6 months of purchase. We refused to continue paying on a vehicle that didnt work so we accepted a voluntary repossession. They refused to collect the vehicle. A court case was filed and we lost resulting in garnished wages until debt was paid off. We excepted this and paid the garnished amounts monthly. 4 years later we are still getting hundreds of dollars garnished monthly, with documented proof. With the amount of money they have garnished over the years the amount agreed upon through the courts has been paid multiple times by now. They file a new garnishment at least twice a year for more then the settle debt amount and are continuing to garnish thousands of dollars a year and are refusing to report this or accept acknowledgment of this debt being settled. They have taken way more than owed including interest and lawyer fees. None of this has been shown of our credit reports and continues to show us being delinquent on our payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
In tax year XXXX, Robinhood applied IRS backup withholding to my brokerage account due to an IRS B-Notice. On XX/XX/XXXX, Robinhood confirmed in writing that 24 % backup withholding had been applied and that specific amounts of {$910.00} and {$100.00} were withheld from my account and represented as being sent to the IRS. 

Robinhood later issued a Form XXXX reflecting {$1000.00} in federal income tax withheld, corresponding to those same amounts. Based on this information, I reasonably believed the funds had been properly reported and credited to my tax account. 

I subsequently obtained my official IRS XXXX XXXX XXXX XXXX for tax year XXXX, which shows no federal income tax withheld or backup withholding credited from Robinhood or its clearing firm under my taxpayer identification number. As a result, the IRS has no record of receiving or crediting the withheld funds. 

Because the withholding does not appear on the IRS transcript, I am unable to recover these funds through a tax return, amended return, or with the assistance of a tax professional. I contacted Robinhood multiple times in XX/XX/XXXX ( including internal Case XXXX XXXX and XXXX ) requesting either ( XXXX ) documented proof that the withholding was properly transmitted, reported, and credited to the IRS ( such as an IRS payment confirmation, XXXX  reference, or corrected/amended XXXX ), or ( XXXX ) a refund of the improperly handled funds. 

Robinhood has stated that the XXXX was resolved internally and that they may no longer have the relevant records, and has directed me to work with a tax professional. However, the IRS has no record of receiving or crediting the withholding, and a tax professional can not recover funds that were never credited to the IRS. 

As a result of XXXX actions, I permanently lost access to my funds, including both the amounts withheld and my own principal. My account was effectively drained, closed, and never restored, and I have never received a refund, credit, or accounting for where the funds were ultimately applied. 

Robinhood has acknowledged that withholding occurred but has failed to provide documentation showing where the funds were sent, has failed to correct its tax reporting, and has refused to issue a refund despite IRS records showing no credit. The funds remain unaccounted for, and the issue has not been resolved in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This emotional toll has been very overwhelming. I have lost sleep, felt constant stress and experienced the embarrassment of being turned away by landlords for something that I believe should not even be on my record. This has impacted not only me, but my ability to provide safe and stable housing for my family. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account ( # XXXX XXXX XXXX XXXX XXXX ) that we didnt agree upon, and I didnt sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. They didnt follow the proper XXXX step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Acceptance Corporation
State: AL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX, IA XXXX Re : World Finance XXXX : XXXX XXXX Account No. : [ XXXX ] Dear Sir or Madam, I am formally disputing an account being reported by World Finance on my consumer credit reports. World Finance has failed to provide adequate documentation proving that I owe this debt and that they have the legal right to report this account. 

Despite my dispute, this account continues to be verified as accurate, which violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). Reporting information that can not be properly verified is misleading and damaging to my credit. 

Because World Finance has not provided competent validation, I am requesting that this account be deleted from all credit reporting agencies immediately. 

I respectfully request that the CFPB investigate this matter and require World Finance to remove this inaccurate and unverified tradeline from my credit reports. 

Thank you for your assistance. 

Sincerely, XXXX XXXX [ XXXX XXXX AL,XXXX  ]

Company response to consumer: Closed with non-monetary relief