vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IL

Complaint narrative:
I am filing this complaint regarding unauthorized transactions on my Chime debit card ( ending in XXXX ) that occurred on XX/XX/2026, involving XXXX XXXX. These transactions totaled approximately {$8000.00} and occurred in rapid succession over a period of approximately XXXX hours. I did not authorize, initiate, or participate in any of these transactions. At the time the transactions occurred, I was physically present at my workplace ( XXXX warehouse in XXXXXXXX XXXX ), as supported by my work clock-in and clock-out records. I have also submitted a notarized affidavit confirming that I did not authorize these charges. I have now filed a police report documenting these transactions as unauthorized and fraudulent. Despite submitting this evidence, I have filed XXXX separate disputes/appeals with Chime, all of which have been denied. In each instance, Chime relied on the merchants assertion that the transactions were authorized, without adequately addressing or reconciling the conflicting evidence I provided. I have serious concerns that Chime has not conducted a reasonable investigation as required under the Electronic Fund Transfer Act ( Regulation E, 12 CFR 1005.11 ), including : Failing to properly evaluate objective evidence ( work records and police report ) Relying primarily or solely on the merchants claim of authorization Failing to provide or disclose critical technical evidence, including : XXXX address logs Device identification Authentication or verification methods used To date, I have not been provided with any documentation demonstrating how Chime concluded that these transactions were authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: Credit Collections U.S.A., L.L.C.
State: FL

Complaint narrative:
This company said I owe money to XXXX. I called XXXX and they Stated that I Don't Owe Any Money. They Threatened to Damage my credit on Several Occasions! This XXXX collector is Committing FRAUD. They are trying to collect Money Not Owed! This is Not the First time this Company has done this.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
I am filing this complaint regarding delays by Huntington Bank in processing an auto loan payoff following a total loss claim, which is causing ongoing financial harm. My vehicle was declared a total loss, and my insurance company is prepared to issue payment to satisfy the loan. However, Huntington has delayed processing due to internal documentation requirements and handling of the vehicle title. The title for the vehicle is listed as OR between myself and my ex, which generally does not require joint authorization to proceed. Despite this, Huntington required a Power of Attorney ( POA ), which introduced additional delays. I complied with this request and submitted an updated XXXX, which was confirmed received on Friday. As of Monday, the payoff has still not been processed. This delay is entirely outside of my control and is the result of Huntingtons internal policies and handling. I have made every effort to comply promptly, and the continued delay is causing unnecessary and preventable financial impact. I have provided all requested documentation, including the updated POA Escalation of my case was denied when requested, despite the time-sensitive nature of a total loss payoff. I was instructed that I could only submit documents through the original loan officer, limiting my ability to resolve the delay efficiently. The delay is causing daily financial harm due to accruing per diem interest This situation appears to be the result of internal processing constraints and unnecessary documentation requirements, rather than any failure on my part to comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC.
State: NC

Complaint narrative:
My issue with XXXX had did charge off without sending my vailted XXXX for taxes purposeI personal was contact about charge off need to dispute them, I am forward information need to remove off my credit report and my personal information to be remmove off the credit report, and also all negative report remove appreciated. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: NV

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I was visiting XXXXXXXX XXXX XXXXXXXX in XX/XX/year>. On XX/XX/XXXX, a beach vendor ( child ) sold me cookies. He showed me the transaction ( ~ {$6.00} XXXX ). After tapping my Apple Card via Apple Pay I received a notification that an {$880.00} USD charge was pending on my account. I immediately reported it to Apple, advising that I did not authorize that transaction and that I was just scammed. I have disputed the charge three times now and each time it comes back as an authorized transaction. They keep asking for evidence I didn't authorize it. I have provided everything I can, including : - Reporting it immediately ( within minutes of the transaction ) - Providing screenshots sent to my friends and family regarding just being scammed- I did not sign for the transaction- I did not receive a receipt Apple/Goldman Sachs keeps telling me I need to provide emails/messages exchanged with the vendor regarding the charge but it was a child on the beach who fled as soon as I paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-23 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: IN

Complaint narrative:
On XXXX, I reported an unauthorized transaction on my account ending in XXXX for {$1100.00}. Chime completed an investigation and determined no billing error occurred, despite this being a fraudulent transaction. I have been a victim of hacking, including unauthorized access to my work and personal accounts. I have reported this to the police and have documentation showing that I did not authorize this transaction. Chime is attempting to include this disputed amount in my next payment due XXXX, which is unfair and places me at financial risk. I am requesting that Chime fully investigate this fraud, remove the disputed amount from my account, and restore any negative impact caused by this incident. I am submitting this complaint to request intervention from the CFPB to ensure that my rights as a consumer are protected and that fraudulent activity on my account is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am reaching out regarding an issue with a recently opened Bank of America XXXX XXXX XXXX credit card account. After applying online, I successfully verified my identity over the phone and was approved. I then created an online account and downloaded the mobile app, and everything initially appeared to be functioning normally. However, a few days later, my account was unexpectedly locked, and I was instructed to call customer service. Despite calling multiple times and experiencing hold times exceeding an hour, I have not received any meaningful assistance. I was ultimately advised to visit a local branch. On Saturday, XX/XX/XXXX, I went to a branch in person, only to be told that they could not assist me and that I would need to contact customer service on my own. At this point, I am being directed back and forth between the branch and phone support without any resolution. This has been extremely frustrating, and I am concerned that I opened this account for no reason if I am unable to access or use it. I am a XXXX XXXX XXXX woman I can not be going back and forth to no avail like this! I would greatly appreciate your help in resolving this matter as soon as possible. Please advise on the next steps or connect me with the appropriate department that can assist in unlocking my account and restoring access. I will also provide my passport and SSN card to confirm my identity. Thank you for your time and attention to 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 2026-03-23 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: MD

Complaint narrative:
I am submitting this complaint against National Credit Systems , Inc. for failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I sent a formal debt validation request via certified mail regarding collection accounts being reported by National Credit Systems. Tracking confirms that this correspondence was delivered to their XXXX XXXXAfter receiving no response, I sent a second formal debt validation request on XX/XX/XXXX via certified mail. This request was also delivered and confirmed by the United States Postal Service. The Guarantors- XXXX only reporting on XXXX XXXX XXXX XXXX XXXX reporting on all In both requests, I asked for full validation of the alleged debts, including proof of contractual obligation, copies of any lease or agreement, itemized statements of all charges, and documentation showing that I am legally responsible for the balances. As of today, National Credit Systems has failed to provide any response or documentation to either request. I have not received any lease agreements, itemized move-out statements, or any proof that these debts are valid. Additionally, one of the accounts previously reported by National Credit Systems has already been deleted from my credit report. This raises serious concerns about the accuracy and consistency of the information being reported, as well as whether the remaining account can be properly validated. Despite failing to validate the debts after multiple certified requests, National Credit Systems continues to report the remaining account. This continued reporting constitutes ongoing collection activity on an unvalidated debt, which is a violation of FDCPA 809 ( b ). Reporting unverified or inconsistent information also raises serious concerns under the Fair Credit Reporting Act ( FCRA ). I have made multiple good faith attempts to resolve this matter and have provided the company with ample opportunity to validate these accounts. However, they have ignored my requests while continuing to report the debt. Due to their failure to validate and the inconsistent reporting, I dispute the remaining accounts in its entirety. I am requesting immediate deletion of the remaining accounts from all credit reporting agencies and written confirmation of the deletion. I have retained documentation of both certified mailings, including proof of delivery, and am prepared to provide this evidence. If this matter is not resolved, I am prepared to escalate this complaint to additional regulatory agencies, including the Maryland Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a consumer requesting an investigation into inaccurate charged-off accounts appearing on my TransUnion credit report. The accounts listed below appear to be inaccurate, incomplete, or unverifiable : XXXX XXXX Account No : XXXX Date : XX/XX/XXXX Balance : {$6300.00} XXXX XXXX Account No : XXXX Date : XX/XX/XXXX Balance : {$6300.00} XXXX XXXX Account No : XXXX Date : XX/XX/XXXX Balance : {$10000.00}

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 2026-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
I originally submitted a complaint with the protection bureau and the Exeter XXXX said they will not honor, so if it is a contract and not a financing loan then why does it have on the paperwork that says, amount financed? Also dont I have a right out of a contract with a vehicle that has N/A marked for condition of head lights, also the dealership said there was no sold as is so the contract tells me other wise. I have a right of my contract especially when the papers I got the day of purchase said the last reported mileage reading on the car was XXXX miles yet the original owner only drove XXXX miles a year so where are the other XXXX something XXXX miles? Exeter finance accepted the deal with the dealership that lead to our contract. I have been lied to by Exeter and the dealership multiple times and they just lied to the XXXX XXXX. When I brought my problems to Exeter they said that is not their problem yet they said I was their customer and they take their customers complaints seriously so that guarantees me out of my contract with Exeter with no future payments and financial burden on my credit report. So they sue the dealership and have the dealership pay the car off in full and I keep the car or Exeter takes the car and gives me all my money back including down payment. Because not receiving the manual with the car then lying about the transmission XXXX and mileage reading and Exeter is willingly I knowledge through contract and they said that they basically didnt care and told me to take my problems back to the dealership making the contract void legally on their behalf. Could the XXXX XXXX XXXX also include XXXX of this complaint as well since there are no XXXX way options for complaints please. Not to mention a contract with false reports on mileage and things with the car voids that contract. Also Exeter says they take things seriously with their customers yet a new review since my complaint. Not to mention a few other things in the paperwork as well. Where is the other XXXX something XXXX miles if the only previous owner had the car for just XXXX years especially if the previous owner was just a renter? They cant say that XXXX is at fault because XXXX just reports to the dealerships so the dealerships can provide that information to finance companies and to the customer, cant say Im at fault when that is not my responsibility to do the dealership job and finance company job.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
I purchased a XXXX XXXX several months ago from govdeals.com which was a regrettable decision and knowing what I knew now I would not have purchased it for {$8500.00} cash and it only lasted me for about XXXX months before I took it to XXXX XXXX in XXXX MD to find out that the engine needed to be replaced and the cost was {$21.00}, XXXX which almost XXXX times the amount I paid and did not have it either so the dealer was able to take my car as trade in plus {$1500.00} and offered me a XXXX XXXX XXXX an all electric vehicle and Santander were able to finance the purchase for me, though I thought the note was a little bit high I did not have any issues with it because my plan is to use the vehicle and drive for Lyft XXXX the car note can be paid from the income generated from Lyft, since I have an active account with Lyft it wont take long before I get on XXXX XXXX and start my financial responsibility to Santander Bank XXXX unfortunately just 5 days after I took possession of the vehicle I got into an accident and I called the police so there is a report and can be obtain if needed and it was a parked car that I hit when trying to pair my phone to the vehicle so I can make and receive calls hands free, my car was at XXXX XXXX XXXX XXXX XXXX for a little over three months after the insurance had paid and approved the repairs, at this time my financial struggles begin because I couldnt use the car for its purpose so I owed rent to my landlord, Santander and several others so XXXX weeks ago I demanded that I get my car either completed or incomplete then XXXX XXXX XXXX accepted my demand but explain to me on what is needed to complete the repairs and scheduled for me a day to bring to bring back the vehicle To complete the repairs and as Im writing this email today XX/XX/XXXX work has still not been completed as I have XXXX more appointments to recalibrate the vehicle and sending photos of it at the end of this email. I need anyone who can from this department to please have a conversation with Santander on my behalf as XXXX acknowledging that this is my responsibility and the unexpected set back and financial hardship derived from the accident that occurred just XXXX days after purchasing the vehicle and because of that unfortunate event XXXX pleading with them to please allow me to start making payment XXXX months from the date of purchase and I do not have the precise date here because everything was put on device that should be plugged into a computer as a USB which I have done but was totally blank and I believe Santander has a copy of the USB or the actual paperwork. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
This account was allegedly open in XXXX XXXX and XXXX or earlier, which means that it's been on my credit report to long and no longer is valid.

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 2026-03-23 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: GA

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 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
This account was allegedly open in two thousand and nineteen or earlier, which means that it's been on my credit report to long and no longer is valid.

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