vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: January Technologies, Inc
State: TX

Complaint narrative:
I contacted XXXX ( XXXX ) to resolve an outstanding debt and was transferred to January, a third-party collection agency. During that call, January explicitly stated that once the balance was paid, the account would be deleted from my credit report ( a pay-for-delete agreement ). Based on this representation, I paid the debt in full. 

After payment, XXXX informed me that XXXX did not have authorization to report to the credit bureaus because they did not own the account. XXXX then refused to delete the tradeline from my credit report, despite the fact that the debt was collected under the representation that it would be removed. 

This situation is deeply concerning. The account was placed for collection and collected under false or misleading pretenses, which appears to violate the Fair Debt Collection Practices Act ( FDCPA ). I relied on the collectors statement that payment would result in deletion, and I would not have paid under those terms otherwise. 

Additionally, I requested copies of the recorded phone calls from both XXXX and XXXX to verify the representations made to me. Both companies refused to provide the recordings. 

I am requesting that this account be deleted from all credit bureaus immediately, as the debt was collected under a pay-for-delete representation and in misleading circumstances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: GA

Complaint narrative:
b'I keep getting daily phone calls about a debt for someone other than myself. I have asked to not be called and made the company aware that I am not the person they are trying to reach and asked to be removed from their call list but continue to receive daily phone calls about debt collection for an unknown person. The phone number they continue to call is XXXX XXXX XXXX and it belongs to myself and not the party they have listed in their records despite me advising them this they continue calling and harassing me.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: Coinbase, Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding Coinbases restriction of access to my funds. 

Since XX/XX/year>, my Coinbase account has displayed the message Some services are not available, and I am unable to sell, withdraw, or access approximately {$120000.00} in assets. 

I am able to initiate purchases, and funds are successfully debited from my linked bank account. For example, on XXXX [ insert date of {$250.00} purchase ], I purchased {$250.00} of XXXX. The bank transfer completed, and the transaction was confirmed, yet Coinbase still shows that I have no available balance and does not allow me to sell or access the purchased asset. 

This indicates that Coinbase is accepting deposits while preventing access to customer funds. 

I have opened multiple support tickets and contacted Coinbase daily. Coinbase has not provided : A written explanation for the restriction A timeline for resolution Any steps required to restore access Support representatives have repeatedly stated this is a software issue, but the issue has persisted for over a week with no remediation.

This situation is preventing me from accessing my own funds and has caused financial harm by blocking my ability to trade or withdraw during market movements.

I am requesting : Immediate restoration of full access to my funds A written explanation for the restriction Confirmation that my assets remain fully available and are not being withheld I am submitting this complaint to prompt a formal regulatory review and resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: WV

Complaint narrative:
In XXXX of XXXX  I had an injury and was late on a loan payment. I made a payment in XXXX but was still unable to make up the payment that I was behind. All my payments have been made online and I have never received a statement either electronically or by mail. So all my information comes from the online account. While making a payment for XXXX I was given the option to enter a promise to pay agreement. If I agreed to pay a higher monthly amount the difference would be assessed to my past due balance and that by entering this agreement my account would be considered current as long as I made each payment by the due date until the end of the plan. I agreed to this plan and consistently made my plan payments on time in an amount XXXX dollars higher than my original payment amount. I recently checked my credit score and my score had dropped nearly XXXX points. Santander had been reporting my loan as late every month since entering the promise to pay agreement. I had received no notification from the company and the website constantly showed no past due balance due when I logged on to make a payment. I only found this out after receiving a letter of default from Santander threatening to reposes the vehicle. I have since contacted the company and after paying more than 2 months of payments they have agreed to stop reporting my account as past due. After paying more than XXXX over my monthly payment for several months only to have this company destroy my credit for a promise to pay plan that provided absolutely nothing. I requested that Santander rectify the information on my report but they said that they were not able to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
SPRINGOAKS is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On Thursday XX/XX/year>, I received an email from my Chase banking account that my account was restricted, and I needed to contact them immediately to get it unrestricted. I called and was connected to the fraud department ; after verifying my identity I was told by the fraud department, not that my account was restricted like the email disclosed but that my account was closed. I proceeded to ask why and was told that they don't have a reason and could not tell me why, and that my funds in the account were under review and may/may not be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
On XX/XX/XXXX I misplaced my Debit card and put a lock on it temporarily via the app with CitiBank. Since that day the card had been randomly declining transactions. On XX/XX/XXXX at around XXXX, it stopped working all together after I used an atm at a casino to make a withdraw for my birthday. HOWEVER applepay continued to work until TODAY. Now I can not access my funds and they are telling me 3 business days to gain access to my funds. I have made 4 phone calls beginning on XX/XX/XXXX, XXXX, XXXX sat on hold 4 HOURS, and again today XX/XX/XXXX. They told me I was good until today. Then I was told that i had a fraud alert that needed clearing, which was completed. After that was done I was told there was another alert, NO explanation of the alert, NONE. To be told that they were going to take ANOTHER 3 business days after I had talked to them multiple times is unacceptable.

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 2026-02-12 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: MN

Complaint narrative:
On XX/XX/XXXX, there were 3 unauthorized transactions made to my account. Technically if I include the XXXX transactions that were done to remove the money out of my savings account to my checking account, then that would be 6 unauthorized transactions. One was {$2000.00} transferred from savings to checking, then sent to XXXX XXXX, next there was another transfer of {$50.00} from savings to checking then again to XXXX XXXX, prior to that there was an out of network atm withdrawal of {$400.00}. The total amount stolen from me is {$2400.00}. I disputed all three transactions on XXXX XXXX around XXXX, all of which were denied. I was told I needed more evidence to support my disputes. I filed a police report with the XXXXXXXX XXXX XXXX and I filed a report of identity theft with FTC identity theft website. I appealed the denied disputes and submitted what I had reported with the police and ftc.gov people, mind you the police report was approved and there's an active investigation. Chime denied my disputes AGAIN, stating i needed to submit more documents or evidence which i don't know what else they could possibly need or want to prove that these are fraudulent and unauthorized transactions, and that my student loan money was actually stolen from me and i needed it back. I asked if they could do a temporary credit, and they told me no I am not eligible for that. Also, every dispute ( total of XXXX i believe ) was denied within XXXX hours of filing. Once again, this is with CHIME BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: IL

Complaint narrative:
This collection account appears to be inaccurately reported and potentially illegally re-aged. 

I have not had XXXX service since approximately XXXX. The current reporting shows a new open date and missed payments in XXXX, which is incorrect. 

This debt was previously reported under another collection agency ( XXXX ) and removed, with written confirmation from XXXX XX/XX/2021, that they would no longer attempt to collect the debt and it would be removed from the credit reporting bureaus but has now reappeared under a new collection agency with inaccurate dates. 

I am requesting full validation including : Date of First Delinquency Original creditor account history Documentation showing legal authority to report new delinquency dates.

I believe the reporting violates FCRA accuracy requirements.

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 2026-02-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: EdFinancial Services
State: NY

Complaint narrative:
I can not afford to make my student loan payments. I have been out of work for over 10 years. I do not have the money to pay off the student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
I purchased a bracelet from XXXX XXXX XXXX XXXX XXXX I put half cash and the rest acima loan. The sells person from the store told me as long as I make the monthly payments on time i be ok. What he didnt tell me was that if I didnt pay the whole thing in 90 days the amount would almost triple in interest. I called the acima place once they sent me an outrageous amount saying I owe them thats triple the cost of the item I bought. They said oh your a couple days outside of the 90 day period thats why. I said the store person didnt tell me this and acima only sent me a notice after the facts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: GA

Complaint narrative:
HWARFIELDis falsely reporting on my credit. I have never had any accounts with them. Per my research HWARFIELDis a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TX

Complaint narrative:
Cashapp closed my account at random, without cause and without a specific reason provided. I need the SPECIFIC DETAILS FOR THE VIOLATION OF TERMS OF SERVICE OR THE ACCEPTABLE USE POLICY TO BE PROVIDED OR MY ACCOUNT SHOULD BE IMMEDIATELY RESTORED, not a canned response without details.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint to dispute inaccurate late payment remarks reported on my credit file. These late payment entries are incorrect and do not accurately reflect my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Many accounts were opened using my information associated to a different address. I need these accounts removed from my credit report. There are also numerous inquiries along with them.

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 2026-02-12 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: CITIBANK, N.A.
State: NC

Complaint narrative:
Re : XXXX Booking reference ( PNR ) : XXXX I am writing to request a partial refund in the amount of {$260.00} for ticket # XXXX, which I booked on XX/XX/year>. I booked this ticket for {$1300.00}, including a {$260.00} seat fee. Due to technical difficulties and a language barrier with a XXXX agent, I cancelled this ticket and immediately rebooked on the same outgoing flight ( under ticket # XXXX ) for {$2600.00}, again paying a {$260.00} seat fee. 
Since this resulted in a duplicate seat fee, I received a partial refund of {$1100.00} for ticket # XXXX, which excluded the {$260.00} seat fee. This was acceptable to me because I was still traveling, just under a different ticket number therefore the seat fee was applicable. On XX/XX/year> : I was informed by a XXXX representative that my reservation ( ticket # XXXX ) had been cancelled. This cancellation was not authorized or requested by me. I was told the cancellation may have been triggered by the seat fee dispute. I was advised by the agent to contact my credit card company to initiate a chargeback, which I did. The credit card company would not assist me stating that it was beyond the dispute period. However, I finally got a refund for {$2300.00} on XX/XX/year>. 

However, since XXXX cancelled my reservation ( ticket # XXXX ), I am entitled to a refund of the {$260.00} seat fee paid under ticket # XXXX, as the cancellation prevented me from traveling and the seat fee could not be used. Please note that I would have disputed this earlier if it hadnt taken 11 months to get the other refund. Since I now have received it, I am now disputing the {$260.00} seat fee which could not be used due to XXXX error and cancellation.

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 2026-02-12 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
I applied for a credit card with Aspire Bank. The physical card never arrived no mail, no delivery, nothing. But later I found out that someone activated it and made purchases at a gas station and XXXX for about {$600.00} plus fees, almost maxing out the credit limit. 

I received a message from the bank on XX/XX/XXXX saying the card was activated and transactions were made. The actual charges happened on XX/XX/XXXX. I contacted the bank immediately that same day. They told me the activation supposedly happened using my phone number on XX/XX/XXXX. But on XX/XX/XXXX I only submitted the application, and the system automatically prompted me to create an online account which I did, and that was it. I had no idea that creating an account could mean activating the card. 

I was waiting for the physical card, because the card could not be used digitally it couldnt be added to XXXX XXXX or anywhere else. Only the physical card could be used. 

The bank insisted that I made the purchases because the card was activated. Then they said they would open an investigation. XXXX days later, they closed it, denied my dispute, and claimed that I used the money. A week later they sent me a new card, which is still and not activated. 

I have filed multiple disputes since then no response. When I call the bank, they tell me : You need to pay first, then there will be an investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I opened a Chime checking account based on their advertised {$350.00} Intro Offer promotion. According to the terms, I could earn : ( 1 ) {$100.00} for a first qualifying direct deposit of $ XXXX within 30 days of account opening, ( 2 ) {$100.00} for a second qualifying direct deposit of $ XXXX in the next calendar month, and ( 3 ) {$150.00} for a third qualifying direct deposit of $ XXXX in the following calendar month, for a total maximum reward of {$350.00}. 
I immediately attempted to set up direct deposit through the California Employment Development Department ( XXXX ) to meet the first 30-day requirement, as I was receiving unemployment benefits. However, I encountered a technical system error on XXXX 's platform that prevented the direct deposit connection from being established. 
Throughout late XXXX and early XX/XX/XXXX, I made multiple contact attempts with XXXX customer support, via email and telephone, to resolve this technical issue. XXXX representatives acknowledged it was a system problem on their end that they were working to fix, but the issue remained unresolved through my 30-day window ( which ended XX/XX/XXXX ). 
On XX/XX/XXXX, XXXXseven days after the promotional deadlineI successfully completed my first qualifying direct deposit through my new employer, XXXX XXXX XXXX. This was the earliest possible date I could complete a direct deposit given the unresolved XXXX technical failure. I subsequently received second and third qualifying direct deposits in the following calendar months, completing all three requirements of the promotion. 
Despite completing all three qualifying direct deposits and meeting every other requirement in the terms ( including activating my physical Chime XXXX card within 14 days of my first direct deposit ), Chime has denied me the entire {$350.00} bonus solely because my first direct deposit was seven days late due to circumstances completely outside my control. 
On XX/XX/XXXX, I contacted Chime customer support via online chat to request an exception, explaining the third-party technical failure. Both the initial agent and a supervisor denied my request, stating " system limitations '' prevented any override and refusing to escalate to anyone with actual authority to grant exceptions. 
I completed all promotional requirements in good faithmy only deviation was a seven-day delay on the first deposit caused by documented XXXX system failure. Chime 's refusal to make any reasonable accommodation for circumstances beyond my control appears to prioritize automated systems over fair treatment of customers who genuinely attempted to comply. 
I am requesting that Chime apply the full {$350.00} bonus ( {$100.00} + {$100.00} + {$150.00} ) to my account given these extenuating circumstances and my complete fulfillment of all other promotional requirements.

Company response to consumer: Closed with explanation