vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 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: Chime Financial Inc
State: AZ

Complaint narrative:
Company Name : Chime Financial, XXXX ( or XXXX XXXX XXXX XXXX XXXX XXXX ) Date of Incident : Started XX/XX/year> Merchant Name : XXXX Description of Issue : I am filing this complaint because Chime has reached inconsistent and contradictory conclusions regarding multiple fraudulent transactions on my account. Starting on XX/XX/year>, several unauthorized charges were made to a merchant named " XXXX '' which is an XXXX XXXX platform. I disputed these charges as unauthorized. Chime approved some of these disputes and returned the funds, effectively admitting that the activity from " XXXX '' was fraudulent. However, for other transactions made to the exact same merchant during the same timeframe, Chime denied the disputes, claiming " no error occurred. '' It is a violation of my consumer rights for Chime to acknowledge fraud for XXXX transaction while denying it for another identical transaction. Furthermore, Chime has failed to provide me with the written explanation of denial or the evidence used to reach these conflicting decisions, which is a violation of Federal Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: IN

Complaint narrative:
I received a text message on Wednesday, XX/XX/year>, at XXXX from a company I have never heard of about a debt owed to a place I have never been. The amount of the debt was not in the text. There was just a link to go to for payment. I did not click on the link. I checked to see if the company was legitimate, and it is. However, I believe either they texted the wrong number, or it was a spammer spoofing the company name. The number the text came from was XXXX. Here is a copy of the text message : Central Portfolio Control, a debt collector. Your account from XXXX XXXX XXXX XXXX XXXX XXXX has been placed with our office. Pay as little as 70.00 % online at wwwXXXX using AGENCY ID : XXXX. Payment options are also available. Text STOP to unsubscribe. I did not reply to the text at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
During my investigation into the transaction and mentorship program connected to my complaint, I located multiple Arizona business filings, online business profiles, and related materials connected to the individuals and entities involved. The records I obtained show apparent connections between : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, including overlapping individuals, addresses, branding, real estate investment training activities, and online representations. I also preserved transaction records reflecting debit card charges identified as XXXX XXXX XXXX, email communications from the coaching team, online business listings, and profile materials identifying XXXX XXXX as connected to both XXXX and Re-Advanced operations. Based on these materials, I became concerned that consumers may have been exposed to confusing or misleading representations regarding the structure, identity, continuity, and legitimacy of the businesses connected to the mentorship program for which I paid approximately {$19000.00}. I respectfully request that the matter be reviewed for possible deceptive business practices, consumer fraud concerns, and related conduct connected to the operation and marketing of these entities. Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I requested that the creditor close my account because every time I made a payment, the balance was not decreasing as expected. During my conversation with the company, they agreed to close the account and offered me a payment arrangement. My understanding of that agreement was that I would make payments toward the closed account and that those payments would directly reduce the outstanding balance. However, after making payments under this new arrangement, I later discovered that interest was still being added to the account. I was never informed that interest would continue to accrue on the balance after the account was closed, nor was this disclosed when the payment proposal was presented to me. Had I been properly informed, I would have made a different decision regarding the agreement. I believe the company failed to provide clear and accurate information, which misled me about the true terms of the arrangement. This lack of disclosure constitutes a breach of our agreement and a violation of my consumer rights. Because of the creditors failure to clearly disclose the terms of this agreement and the resulting harm to my credit, I am also requesting that this account be removed entirely from my credit report and any collection reporting be deleted from all credit bureaus.

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 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

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 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I paid Capital One balance in full in the amount of {$2800.00} to equal a balance of XXXX on XX/XX/XXXX. There was a charge for {$3.00} on XX/XX/XXXX. The due date for payment is XX/XX/XXXX. Therefore, the balance on XX/XX/XXXX was {$3.00}. I was charged an interest charge ( at 28.24 % ) of {$23.00} on XX/XX/XXXX. This equals an interest rate of 619.89 %, which is obviously not in my agreement with Capital One. When I attempted to reach out to Capital One, the agent refused to let me speak, therefore I requested a supervisor, to which he obliged. When the supervisor got on the phone, he stated the above : that I had made a payment of {$2800.00} on XX/XX/XXXX and had a charge of {$3.00} on XX/XX/XXXX and that the interest charge was based on the balance as of XX/XX/XXXX, which he again stated was {$3.00}. He then stated that I was required to have a XXXX balance for 2 consecutive months before I would not be charged interest. He was unable to provide me with the number for which the calculation of 28.24 % ( equaling {$23.00} ) was based upon ; when I attempted to verify with him that the Consumer Financial Protection Bureau was the US government agency through which I should file a complaint in regard to this, he abruptly ended the call. I have attempted to reach out to Capital One since then with no response. The fact that Capital One refuses to provide the balance that they are charging 28.24 % on that equals {$23.00}, combined with the fact that they are requiring me to have a XXXX balance for two months before I am not charged an interest fee is deceptive and incongruous ; the balance of XXXX and interest charge of 28.24 % are irreconcilable. Charging an arbitrary interest fee based upon a phantom balance is unsubstantiated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I am filing this complaint because XXXXXXXX XXXX my account, which has a remaining balance of {$69.00}, and claimed they can not verify my identity using my valid legal documents. I have had my XXXX account since approximately XXXX. In XX/XX/XXXX, I changed my phone number but forgot to update the number linked to my XXXX account. In XX/XX/XXXX, I received an email stating that my password had been changed. XXXX later explained that the password reset request appeared to have been performed through the old phone number on file, possibly by the new owner of that number. My account was then suspended. ( See attachment for details. ) I was able to update my phone number, but XXXX required a picture of an unexpired XXXX government-issued photo ID with a selfie. I am not a XXXX XXXX XXXX XXXX XXXX holder, and I do not have a drivers license or state ID. * Note that I am also preparing to move outside the United States, so obtaining a state ID at this point is not practical. On Tuesday ( XX/XX/XXXX ) afternoon, I called XXXX customer service again, attempting to resolve the issue. However, I was told by a XXXX representative that they can not accept my passport, my XXXX visa stamp, and my valid Form XXXX approval notice as verification documents. My visa stamp expired last month, but visa is only an XXXX XXXX document ; my Form XXXX remains valid and confirms my lawful status. Also, my passport, visa, and XXXX are accepted by major financial institutions, including XXXX, for identity/status-related purposes. The identifying information across my documents is consistent so putting them side by side could definitely confirm who I am! XXXX has not offered a reasonable alternative method to verify my identity, despite my having valid legal documents. As a result, my account remains frozen with funds in it. I am seeking a fair verification process and access to the balance in my account. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
Dear Credence Resource Management, I am writing to formally dispute the account referenced in your email dated XX/XX/XXXX, regarding the collection placed by XXXX XXXX XXXX XXXX on XX/XX/XXXX. My Credence Reference number is XXXX, and the client reference number is XXXX. Under the Fair Credit Reporting Act, I am requesting validation of this debt. Additionally, I want to express my concerns regarding the handling of my personal information. I did not provide consent for my information to be sold or shared, and I expect that my rights under the FCRA are fully upheld. Please cease any further sharing of my information without my explicit consent and provide me with the validation of the debt at your earliest convenience. I would like all correspondence to be conducted via postal mail, as I do not consent to electronic delivery of documents. Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
Last Reported : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/year> To : XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX : Formal Dispute of Inaccurate Credit Reporting Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : I am formally disputing the accuracy and/or authorization of certain items appearing on my consumer credit report. Pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of disputed information and delete any information that can not be verified. The following items are disputed : [ XXXX/ XXXXXXXX XXXX XXXX XXXX XXXX XXXX ] Amount : {$910.00} [ Unverified Reporting ] Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a consumer reporting agency must complete its reinvestigation within 30 days of receiving notice of dispute. If the information can not be verified, it must be deleted from my file. Additionally, the FCRA requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of information reported concerning consumers. I request that you : 1. Conduct a complete reinvestigation of the disputed items ; 2. Provide copies of any documentation used to verify the information ; 3. Delete any unverifiable, inaccurate, misleading, or unauthorized entries from my consumer report ; and 4. Send me written confirmation of the results of your investigation. If you fail to comply with your obligations under the FCRA, I reserve all rights available under federal and state law, including the right to seek damages, costs, attorneys fees, and any other available relief. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Conduent Incorporated
State: NJ

Complaint narrative:
On XX/XX/XXXX i attempted to send an online fax to the IRS ( containing all my personal info ) I googled for online faxing company XXXX came across XXXX After uploading documents i had to pay {$1.00} i entered my child support issued card number amd transaction said cant be processed, in which i attempted to enter another card. I then realized i didnt get a confirmation so i emailed support. In which i still have no response. Later that day one of the cards was used to order food states away. I filed dispute. On XX/XX/XXXX i attempted to access my child support payment that was deposited on XX/XX/XXXX in which i was prompted insufficient funds. I called right away realizing the whole fax site thing was a scam and they had all my info. Way2go i formed me that on the 1st after deposit was made it was transferred online to a XXXX XXXX XXXX XXXX acct. They refuse to give me anymore details. This person even set up my online account for the card. This company has sent me in circles for over a week with no supervisor available, clueless fraud dept, or response to my disputes. Id verification is needed for online transfers yet this person was able to accomplish this task without it. They are supposed to be verifying me when i call now. Almost every representative is skipping this process even after ive reported identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Leafy Financial, LLC
State: TX

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I charged {$9000.00} to my citi credit card. I then paid the full amount which cleared the XXXX XXXX XXXXXXXX on XX/XX/XXXX. The balance shown on my online account as well as when speaking to citi is in excess of {$9000.00} as of XX/XX/XXXX. I also made a payment XXXX days later for {$200.00} on the same account and it posted within XXXX day. When I contacted citi they were totally unhelpful in getting the matter resolved. I do not understand how they can apply a {$200.00} payment but fail to post a {$9000.00} payment. Any help you can provide would be greatly appreciated.

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 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
As of XX/XX/year> I made an attempt to open an account with XXXX XXXX XXXX, and was surprised to be informed than an account with Bmo bank is saying I owe a debt of XXXX that is currently being reported in XXXX XXXX, upon having that difficulty immediately decided to make a report this morning. The fact of the matter is that my information shouldn't be being received traded bought or sold for any monetary gain. I would like to report this as Identity Theft and receive help as soon as possible.

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 2026-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
When we originally purchased the car from a dealer they recorded the wrong information we never took out a loan from XXXX we only took out a loan on XXXX XXXX XXXX so on the title lienholder one is XXXX and XXXX two as XXXX XXXX we paid out of the XXXX XXXX XXXX because thats the only loan we ever took out we went to sell the car and the people can not register the car because theres a lienholder one we have tried contacting XXXX dozens of emails dozens of phone calls they keep saying theres no loan on file and they say can you please send us a letter releasing and say that theres no loan on file they will not do that because theres no loan we try going to XXXX XXXX cant do anything until we have that letter from XXXX weve been struggling with this from XX/XX/year> and have not gotten anywhere we are on limbo and cant do anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation