vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Chime Financial Inc
State: TX

Complaint narrative:
My credit score is stuck frozen I can't use nun of the features my info is on the XXXX and I still haven't got my disputes from years ago that got took out my account barely being able to get in touch with them m when I did git told and was due to nothing can be done about it my I almost went homeless me n my messing with chime it's hard man it's hard

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This collection account is being reported without sufficient proof of ownership or legal assignment. I dispute the balance and the right to collect. Please provide complete chain of title, purchase records, original creditor agreement, itemized statements, and evidence that this debt belongs to me. If unable to verify, remove immediately from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Klutch Technologies, Inc.
State: UT

Complaint narrative:
I tried to contact Klutch Technologies, a XXXX that partners with XXXX and XXXX XXXX XXXX to provide financial services. The account in questions accepts EFTs and they are supposed to be able to provide period statements of my accounts. Their own terms of service say they will provide me with one : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX " We will send a single Statement to you for all Cards on your Account, except when we are not required or permitted by law to send a Statement. We will send a Statement at the end of each Billing Cycle when your Account has a debit or credit balance of more than {$0.00}, if we have " When I contacted Klutch to obtain a statement they said only a CSV could be provided, which I could already obtain using alterative means. However, I already presented this to my bankruptcy attorney who told me that I need official statements for the bankruptcy court. I have transacted on my Klutch XXXX Card within the last 90 days, so having these records in particular are vitally important. I reached out to support who said they could not provide me with these statements.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am submitting this complaint against Bank of America regarding inaccurate credit reporting, failure to investigate disputes, and continued collection activity without substantiation. I disputed multiple accounts that are being reported as charged-off and closed. Despite this, Bank of America continues to report the accounts as currently past due and updates the balances monthly through XXXX. This creates a misleading impression that the debt is active and currently delinquent, rather than a static historical charge-off. After submitting disputes : The balances continued to be updated The accounts continued to be reported as past due No documentation was provided to substantiate the debt I also sent direct written demands requesting : Account statements Proof of ownership Method of verification Bank of America failed to respond and refused to provide any documentation. Additionally, Bank of America obtained default judgments without producing account-level evidence establishing the debt or their legal right to collect. This conduct demonstrates : Failure to conduct a reasonable investigation Continued reporting of inaccurate and misleading information Attempting to collect without substantiation This appears to be a pattern and practice affecting multiple accounts. REQUESTED RELIEF Immediate deletion or correction of tradelines Full disclosure of verification methods Investigation into Bank of Americas reporting practices Enforcement action if violations are confirmed

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 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I am filing this complaint against Bank of America , N.A . regarding the inaccurate reporting and failure to properly investigate two disputed accounts : Account Numbers : XXXXXXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX I submitted formal disputes after identifying materially inaccurate and inconsistent information being reported to XXXX, XXXX, and XXXX. I sent two written dispute notices : XX/XX/XXXX initial formal dispute via certified mail XX/XX/XXXX follow-up dispute requesting investigation and correction Despite receiving notice of these disputes, Bank of America failed to conduct a reasonable investigation and failed to provide any meaningful response or correction. The accounts continue to reflect inconsistent and inaccurate information across credit reporting agencies, including differing delinquency dates, payment histories, and account status. This conduct violates 15 U.S.C. 1681s-2 ( b ), which requires furnishers of information to conduct a reasonable investigation and correct or delete inaccurate information after receiving notice of dispute.

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 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
This account appears to be related to a previously charged off account from XXXX XXXX XXXX XXXX. The same debt is being reported by multiple entities, creating duplicate negative reporting and unfair damage to my credit profile. I dispute the balance, ownership, and legal right to collect. Please provide full chain of title, purchase agreement, original signed contract, complete payment history, and proof the amount is accurate. If unable to verify, delete immediately from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: IA

Complaint narrative:
the Department of Educations ( FSA ) failure to process my Public Service Loan Forgiveness ( PSLF ) Buyback request, which has now been pending for over a year with zero communication. I reached my 120th month of qualifying public service employment in XX/XX/year>. Despite the FSAs stated internal goal of 45 business days for buyback processing, it has been over 365 days since my initial submission. I have received no correspondence, requests for additional documentation, or status updates. I have verified that all 120 months of my employment are fully certified and reflected in my StudentAid.gov account. I have attempted to contact the FSA via the dedicated buyback line and the standard feedback center, to no avail.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

Complaint narrative:
I am filing a complaint regarding an inaccurate and re-reported collection account. Jefferson Capital Systems is currently reporting a XXXX collection account on my credit report. This same alleged debt was previously reported by XXXX XXXX and was removed from my credit file. The reappearance of this account under a different collection agency is misleading and raises serious concerns about the accuracy and validity of the debt. I have not received proper validation of this account from Jefferson Capital. This appears to be a duplicate or re-reported account that should not be on my credit report after prior deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OK

Complaint narrative:
I have a checking account with Chime where I receive my VA monthly benefits. Friday XX/XX/year> i try to log into my Chime mobile app to check my account balance and was not able to get in. It would not take my password for some reason. So I reset my password and logged in. That's when I saw that {$1100.00} had been transfered to a XXXX XXXX. This transaction was not made by me and I dont know who this person is. I called Chime and filed a claim. I couldn't figure out how someone got into my account.. I had not given access to anyone. Then I I remembered I had logged into my XXXX from a friend XXXX XXXX phone but I never logged out. My XXXX XXXX is the email connected to Chime. XXXX XXXX who i thought was a friend who knows I have a Chime account got into my email and changed my password so he could have access to my bank account. Then I checked XXXX to see if XXXX XXXX knows XXXX XXXX and they are friends on XXXX. XXXX doesn't have a Chime account but his friend XXXX does and they were both in on it. I confronted XXXX about the situation and he stated that he left his phone in his buddy XXXX truck and that XXXX got into his phone and my email and he had nothing to do woth it. I didnt believe his story. The {$1100.00} was taken XX/XX/XXXX around XXXX XXXX. I was not aware of this until mid morning the next day. I also got an email from chime stating that a new device had logged into my account... again proving it was not me it was XXXX XXXX .. Fast forward Chime denied my claim even when I provided document to them such as the XXXX profile of XXXX XXXX that I screen shot and a screen shot of him XXXX friends with XXXX XXXX . I screen shot the email from Chime stating a new device had logged into my account and screen shot the text message between XXXX and I when I confronted it. All this sent to Chime and the denied my claim. I appealed it and filed a police report, which was approved my a detective and sent the report to Chime for my appeal. They denied my appeal. I asked why and they wouldn't say. So I asked for the investigation file to he sent to me 5 times now but have yet to receive it. I do have a Detective XXXX from the XXXX Police financial crimes unit investing this for me. I spoke with him Monday XXXX and he was going to subpoena Chime to have access to my account. Its Thursday XX/XX/XXXX and Im submitting a complaint against Chime to your agency in hopes to get my money back that was stolen. The money that I receive from the VA monthly is my widows benefits that my husband left me after he passed. My husband earned that money. He was a XXXX XXXX XXXX Vet who was XXXX. That money was left to take care of me. Please help me.. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am writing to report and dispute certain transactions carried out in my Bank of America checking Account XXXX which were made without my knowledge and consent. These unauthorised completed XXXX transfers were sent from my account, that I neither authorised nor did I ever received any OTP/text verification. Upon reviewing email notifications and account records, I discovered that funds appear to have been withdrawn and transferred by XXXX XXXX XXXX, who had been designated only as a Payable on Death ( POD ) beneficiary, and that certain amounts were also transferred to some XXXX XXXX XXXX. To the best of my understanding, a POD beneficiary is entitled only to receive funds upon the death of the account holder and does not possess authority to access, withdraw, or transfer funds during the account holders lifetime unless separately authorized. The disputed transactions are as follows : - USD XXXX on XXXX XX/XX/2025 - USD XXXX on XXXX XX/XX/2025 - USD XXXX on XXXX XX/XX/2025 - USD XXXX on XXXX XX/XX/2025 - USD XXXX on XXXX XX/XX/2025 - USD XXXX transferred on XXXX XX/XX/2025 to XXXX XXXX XXXX XXXX XXXX XXXX transferred on XXXX XX/XX/2025 again to XXXX XXXX XXXX XXXX disputed amount : USD XXXX I wish to place on record that all of the above transactions occurred while I was outside the United States and were made without my permission or approval. Documentary proof of my travel to XXXX on XXXX XX/XX/2025 and relevant transaction records were enclosed for verification.I respectfully approached senior manager through email to XXXX But no response was there For this very reason I've just landed in the USA, today

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 2026-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX offered a loan via a qualification page. I was redirected to a page to see if i qualified, without impacting credit score. After completing the form i was informed i has been APPROVED for a loan. I proceeded to select the loan amount, the rate/timeline to pay the loan back and was forwarded to the next page to set up direct payments to the cards i wanted to pay off. Upon submitting i was forwarded to a page that stated my loan was DECLINED. Thus, they ran a CREDIT CHECK and then denied the loan. The issue is not the denial, but denial after the fact. I had been APPROVED. If I had not, i would not continue. I did not, nor do i need the loan. It was one of convenience. XXXX lied to me about this process and now i have an inquiry on my credit, which is essentially negative information. This is happening to others and this should be halted ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.

Complaint narrative:
On XX/XX/XXXX, an unauthorized withdrawal of {$68000.00} was made from my Citibank savings account ending in XXXX at the teller window of the Citibank branch in XXXX XXXX, XXXX, Florida. Citibank opened an investigation case with the number XXXX. On XX/XX/XXXX, Citibank responded that the withdrawal had been made using my debit card and PIN ( see document Citi Answer XX/XX/XXXX ). This response is unsatisfactory and because I have not visited the United States since XXXX. I live in XXXX. I filed an appeal, and Citibank opened a new case for the same claim on XX/XX/XXXX, with case number XXXX, and has not yet responded. I also filed a report with the XXXX Police Department under case number XXXX, and the detective handling the investigation replied on XX/XX/XXXX, stating that the withdrawal had not been made using a debit card but rather my passport and account number. This information contradicts the response Citibank provided in its letter dated XX/XX/XXXX. ( see document : Detectives ResponseNo Debit Card Used ) Citibank contradicts itself in its response to the case ; it made an error and failed to follow security protocols for identifying the person who made the withdrawal, given the physical impossibility of my having been in the United States, and it has no evidence of debit card use. It has not provided any proof of the withdrawal or of the identity of the person who made it, and they have kept my account frozen for the past four months, which has negatively impacted my financial and credit situation. The bank has lied to its customer and has failed to comply with the principles of U.S. Regulation E, particularly regarding transaction documentation and know-your-customer requirements. The bank has ignored the evidence I have provided showing that I have not traveled to the United States since 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 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
On or around early XX/XX/year>, I deposited a check in the amount of approximately {$4000.00} into my account with the expectation that the funds would be processed and made available within a reasonable timeframe. Instead, the funds were placed on hold and my account access was restricted without a clear or timely explanation. I was not provided with a definitive timeline for resolution, nor was I given specific, consistent guidance on what actions were required to release the funds. Since that time, I have made numerous good-faith efforts to resolve this matter, including multiple contacts with customer service and requests for escalation. Despite these efforts, I have received inconsistent information and no meaningful resolution. The lack of transparency and delay in releasing my funds is unacceptable. The consequences of this delay have been severe and directly harmful. Because I have been unable to access my funds, I was unable to pay my rent and other essential obligations. As a direct result, I was evicted and am currently without stable housing. I am now in an urgent situation where I require immediate access to these funds to secure housing and meet basic living needs. I have complied with all requests made by the company and have acted in good faith throughout this process. The continued restriction of my funds, without clear justification or timely resolution, is causing ongoing financial harm and hardship. I am formally requesting the immediate release of my funds and a clear, written explanation for the delay. If this matter is not resolved promptly, I am prepared to pursue all available options to ensure access to my funds and accountability for the impact this situation has caused.

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 2026-04-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
On XX/XX/year> they called my father and left a voicemail stating they were looking for me so they could serve me. I know this illegal as that implies i owe a debt and their not legally allowed to disclose that with immediate family members. Their company name is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I applied for a Chase XXXX XXXX XXXX XXXX XXXX credit card on XXXX during a promotion that was to award XXXX XXXX XXXX bonus points if {$4000.00} was spent within the first five months. See attached credit card statement. That was done but Chase Bank unjustly denied the promotional me the advertised promotional XXXX bonus points, although the qualifications were fulfilled. A variety of excuses were given during a series of phone calls. I escalated my complaint to the Executive Office of Chase Bank and on XXXX spoke with XXXX who denied the request for the bonus points. See attached follow up email. I requested a written decision and explanation of the denial, but it was not forthcoming. XXXX from the Executive Office called on XXXX in response to the email sent to XXXX and said that I did not meet the qualifications, which is not true. See attached description of the promotion. I requested that XXXX send an email of her decision and specify reason for denial, as previously asked of XXXX. No email or other written explanation has been has been received. For some reason the Chase Bank Executive Office is reluctant to correspond in writing to answer questions about this unjust decision and why my application processing was delayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I applied for a Bank of America credit card through XXXX XXXX. According to the advertised information, I would received XXXX points if I spend $ XXXX in 90 days. I spent the allotted amount within 90 days of card activation, but the company refused to provide the points because they claim the days started prior to my ever receiving the card. It not only wasn't 90 days from authorization, it was 90 days from application. To make matters worse, despite a high credit score and an income of over $ 200K/annually, XXXX only offered a $ XXXX credit limit. I was, therefore, unable to exceed the $ XXXX spending within the first cycle. Prior to the third billing statement, I had exceeded the $ XXXX limit, but the company refused to honor the bonus points, which was my sole reason for getting the card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation