vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: DC

Complaint narrative:
On or about XXXX XXXX, 2026, XXXX unauthorized debit transactions totaling {$3000.00} ( {$1500.00}, {$1500.00}, and {$20.00} ) were processed from my Chime checking account through XXXX XXXX. My physical debit card was in my possession at all times. The card was already connected to my personal XXXX XXXX on my XXXX. I did not add my card to any new XXXX device and did not authorize any new device provisioning. I did not receive any one-time passcode, text message verification, or notification approving a new XXXX XXXX device. I did not authorize these transactions. I reported the unauthorized transactions to Chime on XX/XX/year>. Chime issued a final determination stating that no error occurred and denied my claim ( Claim ID XXXX ) without providing documentation showing how the transactions were authenticated, what device was used, or what evidence was relied upon. Under the Electronic Fund Transfer Act and Regulation E, the financial institution must conduct a reasonable investigation and provide documentation supporting its determination. I have requested records showing the device ID used, authentication method, XXXX XXXX provisioning records, and any merchant-provided documentation, but this has not been provided. I am disputing Chimes determination and requesting a proper investigation and reversal of the unauthorized transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: MN

Complaint narrative:
I'm trying to defer/ delay my student loan payments with NELNET & submitted an Economic Hardship request back at the end of XX/XX/XXXX/ XX/XX/XXXX. It took over a month to get a response after they asked for payment stubs. Once I supplied payment stubs, it took almost another month for them to tell me I'm denied any level of assistance even though I've been trying to get ahold of them for over XXXX months as of XX/XX/XXXX. My partner lost their job - every bill is on my plate & I already only bring {$2800.00} home a month .. which isn't enough to sustain my bills on top of Student Loans. I can't afford it. They already sent my information to the credit bureaus while my request was processing, which is horrendous & just screwed my credit history even more. Since my request was in the process of review when they sent my information to the credit bureau, they will need to remove it, which I haven't heard anything back in regards to. Their help system is only run by AI & It's impossible to speak to an actual human who can understand the actual hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
Validation of Debt Request - CONSERVE/XXXX XXXX XXXX XXXX XXXX - XXXXXXXX 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 : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debt in.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
bank of america sold the debt to this 3rd party-XXXX XXXX XXXX which cant validate the debt

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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credit Control, LLC
State: CA

Complaint narrative:
I'VE REQUESTED THESE COMPANIES TO VALIDATE THE DEBT, AND GIVE ME A PROOF OF FUNDS, AND GIVE ME A WET SIGNATURE CONTRACT WHERE I'VE CONRACTED WITH THEM, AND THEY HAVE YET TO COMPLY, AND CONTINUE TO REPORT NEGATIVE ON MY REPORT. 1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXXXXXX 3. XXXXXXXX XXXX XXXXXXXX - XXXX XXXX CREDIT CONTROL , LLC - 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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
BULL CITY is falsely reporting on my credit. I have never had any accounts with them. Per my research BULL CITY 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 explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: WA

Complaint narrative:
On XX/XX/year>, I was the victim of a bail bond scam. I was contacted by an individual falsely claiming urgent funds were required to prevent someone from remaining in custody. I was given a strict time limit and pressured to act immediately without independently verifying the information. Under this deception and coercion, I sent {$1600.00} using Chimes Pay Friends ( domestic money transfer ) feature. The transfers were induced by fraud and misrepresentation. I immediately reported the incident to Chime and filed a dispute. Chime denied the claim by categorizing the transfers as authorized without properly evaluating the fraud inducement involved. Under the XXXX XXXX Transfer Act ( Regulation XXXX ), scam-induced transfers require a reasonable investigation. I do not believe a proper Regulation XXXX evaluation was conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: SC

Complaint narrative:
So Fi banking has a bonus for signing up for direct deposits from your employer. They also have a partnership with an app called XXXX. You take test and you learn about good habits to increase your credit. They reward you with points that they deposit money into your SoFi account you have to have ahas a bonus for signing up for direct deposits from your employer. They also have a partnership with a app called XXXX. You take test and you learn about good habits to increase your credit. They reward you with points that they deposit money into your SoFi account you have to have a SoFi account. They deposited {$30.00} into my account for rewards. After that my direct deposit where I signed up for started the first one was for XXXX and then every week after that they were for XXXX apiece. When I inquire about, I have not received my bonus because I clearly qualified for my bonus for my direct deposit. They say I didnt qualify because my first deposit on my direct deposit was that {$30.00} reward from the app that they recommended. It is obvious that that is not my direct deposit and that is not my employer. On several occasions, they have acknowledged that it was a system error because the computer only sees a CH deposit and it credited that {$30.00} reward as a direct deposit from my employer. Now they want to claim that that is my first direct deposit for my payroll which its not and say I dont qualify for my bonus. This is Fraud any XXXX that can read can clearly see thats not my employer and a {$30.00} deposit isnt a paycheck I have gone through countless managers. I have explained it so Im blue in the face. This is fraud. They can not count an app they recommend that reward me with rewards as direct deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
In XXXX, XXXX, my father made payments to Missouri XXXX XXXX XXXX XXXX ( MOHELA ) to pay off two ( 2 ) of my student loans in the amount of {$13000.00} via checking account ACH ; however, due to a " glitch '' in their payment system, my father 's checking account was debited twice for these loans, resulting in an overpayment of {$13000.00}. Correspondence and telephone conversations with MOHELA customer service have confirmed the overpayment and a refund request has been submitted. However, six ( 6 ) months later, there still is no refund. On XX/XX/XXXX, MOHELA responded to my inquiry via email : " Since your account was paid in full when your Auto Pay extracted, you will receive a refund for the credit balance. Refunds are sent by the U.S. Department of Treasury and returned in the manner in which they are received by MOHELA. Refunds can take 90 business days or more for processing. Please note, MOHELA can not verify processing times on behalf of U.S. Department of Treasury. '' On XX/XX/XXXX, MOHELA responded to my inquiry via email : " We apologize for any inconvenience this has caused. We are diligently working to submit requests for any refunds due to you. Once we submit the refund request, the U.S. Department of Treasury will work to issue your refund. MOHELA is not able to verify a maximum timeframe on behalf of the U.S. Treasurys processing. We appreciate your patience during this time. '' On XX/XX/XXXX, MOHELA responded to my inquiry via email : " We apologize for any inconvenience or frustration. A request has been submitted to manually review your account. Once your request is processed, we will send you an updated response. We thank you for your patience. '' On XX/XX/XXXX, I telephoned Customer Service and was told I needed to speak with a " specialist '' and my call was transferred. After waiting approximately one hour on hold, the phone was disconnected.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-03 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: TX

Complaint narrative:
I was mugged a little while back lost my purse all my cards everything not long afterwards I started getting an authorized charges but these are unauthorized charges were on my virtual cards every time I canceled a virtual card and got a new number immediately fraudulent charges started pouring through on the new card number so I had done nothing with the card today I have found thousands of dollars and unauthorized transactions so I called the dispute more charges though I was getting at least 20 declined and authorized charges a day on these virtual cards that were brand new not tied to anything and never used after filing dispute I asked to change my address on my account so I can actually get a new physical card sent to me due to me being mugged I have no ID right now and here in Texas it takes an act of God almost to get a new photo ID they will not update my address information. No other alternative ways for me to prove who I am even though maybe 2 months ago I was able to change my address with no problem at all and didn't have to show them anything I even spoke to the supervisor I told him I was going to close out my account and that I was going to go on my friends XXXX XXXX show and let my suspicions about the fraud happening on my account being an inside job from chime with the evidence I have that there was no way anybody else could have gotten the numbers they told me to go ahead and do it and showed no interest in keeping my business or making me whole since I'm now out thousands of dollars

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding Unifin , Inc. concerning an alleged XXXX Credit Card account originally issued by XXXX XXXX XXXX XXXX and currently claimed to be owned by XXXX XXXX XXXX XXXX. On or about XX/XX/year>, I received an unsolicited email from Unifin attempting to collect approximately {$1200.00} on this alleged account. I do not recognize this creditor or this account and have no knowledge of any XXXX credit card issued by XXXX XXXX XXXX XXXX. I have not received prior written notice of this alleged debt by mail. I am concerned this may be a case of mistaken identity or potential identity theft. I am requesting : Full validation of the alleged debt Documentation proving I am legally responsible Confirmation of how my personal information was obtained Confirmation that this account has not been reported to any consumer reporting agency Immediate correction or deletion if the debt can not be verified This complaint is submitted to ensure compliance with the Fair Debt Collection Practices Act and to prevent inaccurate collection activity. I do not acknowledge this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Recieved an email from TSI about a debt I do not owe and I am disputing it and requesting the following : 1. A debt validation letter showing the following ; My Information : legal Full name, current address, and the reference number from the collection notice. Collector 's Information : Name and mailing address of the collection agency. Account Details : The specific account number, the name of the original creditor, and the amount of the debt. Statement of Dispute : A clear statement indicating you are disputing the validity of the debt and/or the accuracy of the amount owed. Demand for Validation : Request for evidence, including : Verification that the collector has the legal right to collect the debt. An itemized breakdown of the debt, including principal, interest, fees, and payments made. A copy of the contract or document creating the obligation. Proof that the statute of limitations for collecting the debt has not expired. 2. A written proof of TSI legal right to collect this said debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Block, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX, I took out a {$200.00} loan through CashApp. It was due XX/XX/XXXX totaling {$210.00}. On XX/XX/XXXX, I repaid the loan amount of {$210.00} ( early ). Left me {$0.00} on my CashApp card. I noticed on XX/XX/XXXX there was a - {$14.00} showing on my CashApp account. Contacted CashApp and they will not send me proof of debt validation. They won't refund me the money taken out of a deposit that was also submitted " after '' I noticed the - {$14.00} because I could not stop the deposit in time ( came earlier then expected ). CashApp has confirmed that the funds were paid in full on XX/XX/XXXX. This is the XXXX time Cashapp has scammed me out of funds. XXXX time it was {$34.00} for double paying XXXX back in XXXX XXXX. XXXX also would not refund the double pay. ( proof of my attempt to dispute sent ) It's the principle that cashapp continues to scam consumers out of funds ( big or small ). We do our part but they refuse to do theirs.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
in the month of the reported late payment, I attempted multiple times to log into my Navy Federal Credit Union online account to make my payment, but the system would not allow me to sign in. I experienced repeated login errors and was unable to access my account to submit the payment on time. These technical issues were entirely outside of my control. At the same time, I was dealing with a serious and lifechanging XXXX XXXX, which created significant hardship and limited my ability to troubleshoot the Navy Federal system access issues immediately. Despite these circumstances, I brought the account current as soon as I regained access. I later discovered that Navy Federal reported a late payment to the credit bureaus. This reporting is inaccurate and incomplete, because it fails to account for the fact that ( 1 ) Navy Federals system prevented me from making the payment, and ( 2 ) I was experiencing a verified medical emergency during that period. I disputed the late payment, but Navy Federal did not correct or remove the inaccurate information. Under the Fair Credit Reporting Act ( FCRA ), furnishers must investigate disputes and delete information that can not be verified or is inaccurate. The CFPB has taken enforcement action against furnishers who fail to properly investigate or who leave incorrect information on credit reports, including its XX/XX/year> action against XXXX for failing to conduct adequate dispute investigations, which caused false information to remain on consumer reports. Additionally, the CFPB and FTC have stated that if a furnisher can not verify disputed information, the law requires the information to be deleted. This was emphasized in the joint amicus brief filed in XXXX XXXX XXXX XXXX XXXX, where regulators clarified that furnishers must instruct credit reporting agencies to remove unverifiable information. Because Navy Federal can not verify the late payment as accuratedue to their system access failures and my documented medical hardshipthis late payment should have been removed under FCRA requirements. Instead, Navy Federal continues to furnish the negative information, causing ongoing harm to my creditworthiness. I am requesting the CFPBs assistance in having Navy Federal conduct a proper investigation and remove the late payment from all credit bureau reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 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