vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
am filing this complaint against XXXX XXXX regarding an alleged XXXX XXXXXXXX XXXX XXXXXXXX. credit card debt that XXXX is attempting to collect and is also reporting to consumer reporting agencies. I discovered that XXXX XXXX is furnishing a collection account on my credit report ( e.g., TransUnion ) for an alleged XXXX XXXXXXXX XXXX account with an asserted balance of approximately {$2300.00} ( opened XX/XX/XXXX, last reported XX/XX/XXXX, reported as collection/charge-off / placed for collection ). I dispute this debt in its entirety and do not recognize it as mine or properly attributable to me. , oN XXXX sent XXXXXXXX XXXX a written dispute and request for debt validation pursuant to 15 U.S.C. 1692g ( b ). In that letter, I requested documentation sufficient to substantiate the debt and LVNVs right to collect ( including the identity of the creditor/owner, itemization of the amount, chain of title/assignment, and supporting account statements/payment history ), and I demanded that collection activity cease until proper validation is provided, as required by 1692g ( b ). I also requested that if XXXX is reporting this account to any consumer reporting agency, it must be clearly marked as disputed, consistent with 15 U.S.C. 1692e ( 8 ). XXXX XXXX has not provided meaningful validation of the alleged debt and has [ continued collection activity and/or continued furnishing/reporting the account ]. Additionally, the account has been [ not marked as disputed/ continues to appear without accurate dispute notation ], which is misleading and harmful to my credit standing. I am requesting CFPB assistance to ensure XXXX Funding complies with the FDCPA by ceasing collection until validation is provided ( 1692g ( b ) ), ensuring any credit reporting is not false or misleading and accurately reflects the dispute ( 1692e, including 1692e ( 8 ) ), and correcting or deleting any furnishing that can not be properly validated.

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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Opportunity Financial, LLC
State: TN

Complaint narrative:
Account Type : Unsecured Loan Status : Charge-off / Collection Reported Past Due : {$1400.00} Based on : TransUnion report XXXX XX/XX/year> What happened : On or about XX/XX/year>, I reviewed my XXXX credit report and discovered that OPPITY FIN is reporting this account as a charge-off and collection with a past-due balance of {$1400.00}. This reporting is inaccurate, misleading, and does not reflect the true account history. Payments were made that were not properly credited, fees were improperly assessed, and accurate monthly statements were not consistently provided. As a result, the reported balance and charge-off status are incorrect. Despite attempts to resolve this matter, OPPITY FIN failed to properly investigate and correct the inaccurate reporting. This continued reporting of false and misleading information is materially harming my credit profile. This conduct violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) for inaccurate reporting and failure to conduct a reasonable reinvestigation, as well as applicable consumer protection and fair lending laws. I am requesting a full investigation and immediate correction or deletion of this inaccurate tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo closed my account I deposited by mistake business checks on the personal account, I provided them same as they asked all of the documents needed to show in the owner of the company, tax returnes, state certificate, operation agreement However they still not returning my funds

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 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Company took me to court and XXXX XXXX XXXX, I have proof of payment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: GA

Complaint narrative:
On Friday, XXXX XXXX, when I woke up I had XXXX XXXX charges on my chime account. XXXX for {$59.00} and XXXX for {$29.00} from XXXX. I have never heard of or used XXXX. I immediately called chime and started the dispute process. I canceled my chime debit and credit card, new cards were ordered and I thought it was handled. The following day, XX/XX/XXXX, I had another charge of {$59.00} from XXXX again. I called chime, asked for an explanation since my cards were cancelled. They told me that it was my virtual chime card. The dispute was opened and I immediately got a new virtual card. Well from Sunday, XXXX XXXX to XXXX XXXX, Ive had XXXX more attempts on my account all for {$59.00} from XXXX. Also in this time I have received XXXX new virtual cards, every time the new card has been used in a attempt to make a purchase. Thinking chime would be concerned by this I had XXXX different phone calls with chime. I have been hung up on, left on hold for over XXXX mins, told that XXXX was blocked just to see them attempt again, thought it all chime did nothing. I finally was able to get ahold of XXXX on my own, I have an email directly from the them advising me that their system cant even process a persons payments that many times. My info has been stolen and someone is attempting point of sale purchases on their site with my info. I have tried repeatedly in emails & phone calls to tell chime this. Chime refuses to hear it and now has denied my dispute, so Ive lost my money to their negligence. Being forced to keep all of my cards with chime frozen, Ive missed auto payments on numerous bills, incurred multiple late fees, putting me behind in different bills and chime has denied any repayment thus essentially stealing from me. They have refused to explain to me how this happened, what they are doing about it, how my info is getting out or why the wont repay me for their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
In XX/XX/XXXX, my Capital One 360 Checking account was flagged for fraud after I deposited {$300.00}. The account was restricted and effectively closed. Since that time, I have made multiple attempts to resolve the issue. I have called hundreds of times. Submitted my identification multiple times. I called the fraud department and visited a Capital One branch XXXX separate times to verify my identity in person, per the customer service on the phone 's request. After I would go in and then call them, they would say I need to go in again. My daughter would come with me to help advocate for me becuase Capital one is abusing me and those who do not speak perfect XXXX. It is XXXX and illegally to take my money. My most recent branch visit was on XX/XX/XXXX, where my identity was confirmed. During that visit, I was told that a check for my remaining balance of {$300.00} would be mailed to me. I have never received the check. Despite completing identity verification multiple times, customer service continues to direct me back to the branch without providing a written explanation or releasing my funds. Capital One has not provided proof that a check was mailed and has failed to return my balance. This matter has been ongoing for over XXXX months ( XX/XX/XXXX through XX/XX/XXXX ). I am requesting immediate release of my {$300.00} and written confirmation that this issue has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
NCA is falsely reporting on my credit. I have never had any accounts with them. Per my research NCA 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 2026-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I need to be on the lawsuit against XXXX as they piled fees on me with XXXX for years. For years from XXXX XXXX, to XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX is reporting XXXX loans when only have XXXX balance which has negatively affected my credit a score. I feel Hopeless they dinged my credit twice in the month of XXXX for XXXX loans when it is only XXXX loan on my monthly statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I am formally disputing the collection account reported by XXXX XXXX XXXX XXXX XXXX, as this account is unverified and does not belong to me. Despite my attempts to resolve this matter by contacting both the collection agency and the original creditor, I have not received a satisfactory resolution or sufficient verification of the debt. I request an immediate investigation into this account and demand that you provide verifiable proof of ownership and the validity of this alleged debt. Additionally, I believe this account may be the result of identity theft, as my identity has previously been compromised. Under the Fair Credit Reporting Act ( FCRA ), I expect a prompt response and the removal of any inaccurate or unverifiable information from my credit report. Please ensure that this matter is handled in compliance with all applicable federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: ME

Complaint narrative:
I am the duly appointed Executor of the Estate of my father, XXXX XXXX XXXX, who passed away in XX/XX/XXXX. I notified Barclays of his death shortly after and provided his death certificate along with my Letters Testamentary. The account is an AARP Barclays Mastercard account ending XXXX. On XX/XX/XXXX a Barclays representative informed me that under their policy, rewards points should have been automatically redeemed and applied as a statement credit upon notice of death. However, this did not occur, and despite multiple follow-up calls, the points valued at approximatley {$150.00} remain unredeemed. I request that Barclays either redeem the points as a statement credit with any overage refunded to the estate, or provide written confirmation citing the specific rewards terms if they are refusing redemption.

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 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revenued LLC
State: FL

Complaint narrative:
Product : Debt collection Issue : Took or threatened to take negative action Company : Revenued & ABF Servicing I am the owner of XXXX XXXX XXXX XXXX XXXX, a licensed mental health practice. Since XX/XX/year>, XXXX XXXX XXXX, acting on behalf of Revenued, has frozen more than {$10000.00} of my business income through my Stripe payment processor. My total alleged balance was {$4300.00}. I have already paid {$1000.00} in good faith, reducing the balance to approximately {$3300.00}. Despite my cooperation and payment, they continue to hold more than three times the remaining balance. This has caused severe financial hardship, preventing me from paying payroll, taxes, and operating expenses. I signed an agreement via DocuSign, but I was never clearly informed that my entire payment processor account could be frozen indefinitely. I am requesting investigation and immediate release or reduction of the restraint so my business can operate. This situation is causing serious financial and professional harm

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-02-24 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 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: AR

Complaint narrative:
Not sure of exact dates but it started first week of XXXX. Log into my account and it says your account has been close or suspicious fraudulent activity so I contact them asking why was my account close we feel that you validated when I policies and that's why your account 's closed but you can still be able to draw your phone since there okay I've been trying to draw my phone till the last 4 or 5 days and they keep give me a same free text stories I hope I'm going to help I can't escalate this any further with you what do you mean you can't they have no more information so we file to complaint or why my account is closed and I told them I have a pending IRS deposit check coming in when will it be done don't nobody know 10 days this how many days and what they consider from the activities were all virtual cards which I see they don't know nothing about virtual cards or different cars you can use different credit card numbers from your bank so if that would take considerate fraudulent they need to do their homework. So now my direct deposit is going back to the IRS I had to wait another month to get a check now paper check because they screwed up my account somebody used my card and my card is in my possession so I don't know what's going on with cash out they need to be shut down it's not right how you just go in and shut down somebody account and don't have proof that should be against the law as soon as you talking about you want to see proof they didn't they don't want to talk about it they want to cut you off it's just not right and it's not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I bank with Citizen 's bank. They continuously lock my account claiming that it's fraud after every transaction. I have called them several times in 2 days trying to get the issue resolved. Once they unlock the account and approve the transaction, the account locks again immediately afterwards. I call them again and they keep asking me to send documents through email, and fax which I have done. I was also told by another representative that I shouldn't have sent any documents through email because they don't that. I have been given the run around. I can not access any money. My phone number recently changed, I went onto the app and updated it and verified it and they keep saying that it isn't verified so I can't receive any texts to verify who I am. Once I go to login on my app it uses my number for the two-step authenticator just fine with the new number. They claim they can't send emails either.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XX/XX/year>, my automatic payment was processed to Chase from my XXXX checking account. Once I received notice that the payment was being made, I realized that I had forgotten to update my auto payment from " statement balance '' to " minimum payment due. '' On that date, I called Chase and XXXX to cancel the automatic payment, but was told by both that I must wait for the payment to clear, then request Chase to reimburse the payment. Chase informed me that the payment would not clear until XX/XX/year>. On XX/XX/year>, I telephone Chase to request reimbursement of the payment and was told by the Chase representative that the reimbursement was initiated and that the reimbursement would be completed within 5-7 business days. On XXXX XXXX XXXX I noticed that 7 business days had passed, but Chase had not reimbursed my payment. Therefore, I called Chase to check on the status of the reimbursement. The Chase representative informed me that Chase never initiated the reimbursement. The Chase representative then informed me that he would initiate the reimbursement and that the reimbursement would take 5-7 business days. Based on the foregoing, I can not expect my reimbursement until XX/XX/XXXX - XXXX, XXXX approximately one month from when my initial payment was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am submitting this complaint regarding a claim reversal and account closure by Bank of America. In XX/XX/year>, I received a transfer of approximately {$490.00} from an individual in connection with a cryptocurrency transaction conducted through XXXX. I later discovered that the transaction was part of a scam in which I was an unwitting victim. Without prior warning or giving me the opportunity to provide documentation, Bank of America removed the {$490.00} from my account under a claim and subsequently closed my accounts. I was not provided with a clear explanation of the investigation results, nor was I given a meaningful chance to dispute the action. I acted in good faith at all times and was not knowingly involved in any fraudulent activity. I am requesting that Bank of America XXXX a formal review of this case, provide the detailed findings of their investigation, and reconsider the removal of funds and the account closure. I am willing to provide supporting documentation, including transaction records and communications, to demonstrate that I was a victim of fraud. Thank you for your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SUN WEST MORTGAGE COMPANY, INC.
State: FL

Complaint narrative:
Explanation on the extremely high interest rate XXXX XXXX XXXX XXXX XXXX months also to document why they wouldn't approve a partial claim. With this interest rate and increased XXXX of {$400000.00} how they advise this to be a better financial situation for me. A partial claim would have immediately offered relief and not increased the payment to an amount that doesn't help my situation but makes it far worse with the doubled interest rate applied over 40 years and increasing the XXXX with the higher rate document for me how this offers me financial long term assistance from the crisis situation coming out of.

Company response to consumer: Closed with explanation