vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services
State: NJ

Complaint narrative:
I am writing to report a recurring error and a failure to maintain accurate records. Following my previous dispute, Edfinancial correctly updated my credit files on XX/XX/year>2026, at which point the delinquencies were removed and my reports were accurate. However, as of XX/XX/year>2026, these same inaccurate marks have been re-inserted into my credit file. Under the Fair Credit Reporting Act, once a piece of information is found to be inaccurate or incomplete, it must be blocked from reappearing. This 'ping-pong ' reporting is causing me continued and unnecessary financial harm, and I request that you not only delete these marks immediately but also ensure that your reporting system is permanently updated to prevent this error from recurring for aXX/XX/XXXX time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
I recently reviewed my credit report and found accounts that I do not recognize and did not authorize. I am requesting that these accounts be investigated and removed from my credit file. I did not open or benefit from these accounts. One account is for Jefferson capital systems llc in the amount of {$1500.00} The other account was from Jefferson capital systems llc for the amount of {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: GA

Complaint narrative:
This should be removed all of my credit report because they are a third-party company and also a Debt Collector I do not owe them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: TX

Complaint narrative:
Hello, I noticed an account on my credit report from XXXX XXXX. I put in a request to dispute the charge. I was informed the debt is from a XXXX account that was opened in XXXX, charged off in XXXX, and sent to collections in XXXX. I was told that they could no longer sue due to the law but they could report. I asked had it been over XXXX years since they received a payment they did not answer but, I said that it had to have been if the account is charged off in XXXX. I asked them to put in a request to delete the account since it has been over XXXX years since it was open and I believe the time line for the XXXX year deletion starts on the day of the very first missed payment. Which means they are re-aging this debt and that is against the law. I unsure how they are getting away with re-aging. It is truly unfair for this to continue on.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Post Lake Lending Inc.
State: CA

Complaint narrative:
I am a consumer residing in California. On XX/XX/XXXX, I entered into a loan agreement with Post Lake Lending Inc. for a principal amount of {$270.00}. To date, I have paid a total of {$580.00} toward this debt, which is more than double the original principal. This includes a large single payment of {$310.00} made on XX/XX/XXXX. Despite the fact that I have fully repaid the principal and significant interest, the lender sent me a " Notice of Voluntary Wage Assignment Intent '' on XX/XX/XXXX. They are threatening to contact my employer to deduct 15 % of my wages for an additional {$85.00} they claim I still owe. This lender is not licensed to operate in California, and the interest rates charged exceed California 's legal caps, making the contract void under state law. It is an abusive and unfair practice for an unlicensed lender to use a " voluntary wage assignment '' to circumvent state court procedures and pressure a consumer by threatening their employment over a void debt. I have formally revoked the wage assignment via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: KY

Complaint narrative:
I had chime approve two transactions that were unauthorized and the other 6 were pending so I couldnt file a dispute till the next day, and they got denied. Mind you the first two transactions were for {$140.00}, and the second dispute of six transactions got denied for {$1800.00}. They were all the same merchant

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: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
After being a Customer of AMEX since XXXX with no issues, I fell victim to an {$85000.00} XXXX scam and sudden job loss, I called AMEX on my XXXX XXXX card and explained the emergency in detail, I requested enrollment in the advertised financial relief XXXX XXXX, a grace period, and a temporary drop of the APR that was XXXX %. They abruptly and rudely refused by saying that I must first pay the full {$12000.00} balance before they would even consider lowering the APR to XXXX %. They kept over XXXX XXXX XXXX ( an asset of value ) while imposing the high rate. The account rep was very aggressive, and impossible to communicate or reason with. I have already tried multiple times with no relief. I ask for retroactive APR reduction to XXXX % with excess interest credited, immediate program enrollment without full payoff first, a written explanation of the denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
Summary ( Quick Overview ) I am a victim of XXXX XXXX with a court-issued protective order against an individual. On XX/XX/2026, he took my phone without permission and sent money from my Chime account to himself. He was not with me at the time. I had sent this individual money prior to these unauthorized transfers, but that does not constitute authorization for the transactions that occurred without my consent. I reported this to Chime and provided police reports, a sworn declaration, and the protective order. Chime has denied my dispute multiple times, incorrectly claiming the transactions were authorized. I am requesting a full investigation and reimbursement under the Electronic Fund Transfer Act ( EFTA ). Detailed Narrative On XX/XX/2026, the individual took my phone without my permission and transferred money from my account to himself. He was not with me at the time and acted without my consent. Prior to this incident, I had sent money to this individual on a few occasions. However, these prior transfers do not constitute authorization for the unauthorized transactions, especially given the coercive and threatening circumstances surrounding the XX/XX/XXXX incident. Despite providing Chime with documentation, including the protective order, police reports, and sworn declaration, the company denied my dispute multiple times, incorrectly claiming the transactions were authorized. I made multiple attempts to resolve this directly with Chime, including calls, emails, and submitting evidence of the unauthorized transactions and coercion. Despite these efforts, Chime continued to deny my requests for correction and reimbursement. Timeline of Events and Attempts to Resolve Chime Event 1 : Individual took my phone and sent money to himself without permission. Company Response : XXXX Evidence : Police report, declaration, protective order Event 2 : Contacted Chime via phone/email to report the unauthorized transaction. Company Response : Denied dispute Evidence : Emails, call logs Event 3 : Sent follow-up email with copies of police report and protective order. Company Response : Denied dispute Evidence : Police report, protective order Event 4 : Called Chime to explain the individual was not with me, prior transfers do not equal authorization, and the coercive circumstances. Company Response : Denied dispute Evidence : Call logs, declaration Event 5 : Submitted additional documentation, including sworn declaration detailing coercion and unauthorized transfer. Company Response : Denied dispute again Evidence : Declaration, screenshots of transactions Event 6 : Multiple follow-ups via phone/email requesting resolution and reimbursement. Company Response : Continued denials Evidence : All prior evidence complied

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am filing this complaint because MIDLAND CRED Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX with an Account number : XXXX is reporting a collection account on my credit report without proper authorization or validation. This account should never have been furnished because MIDLAND CRED has failed to provide any signed contract, itemized statement of the debt, or proof of collection authority. Adding this account to my consumer report without proper validation violates 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ) ( 4 ) ( i ) under Regulation F, as I was never given a meaningful opportunity to review or dispute the alleged debt. Additionally, reporting this unverifiable collection violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of all reported information, and 15 U.S.C. 1681b, as there is no permissible purpose to furnish a collection account without valid documentation. The inclusion of this unauthorized collection has caused serious harm to my credit score, limited my ability to access financial opportunities, and resulted in unnecessary stress and financial setbacks. I am extremely frustrated by this ongoing issue. I want to ensure that this issue is fully addressed. I demand that MIDLANDCRE immediately remove this unauthorized account from my credit report and guarantee that it will not appear again. The failure to properly validate and investigate this collection is a clear violation of negligence noncompliance under 15 U.S.C. 1681n and 15 U.S.C. 1681o. I have already escalated this issue to the Federal Trade Commission ( FTC ), and I am now asking for the Consumer Financial Protection Bureau ( CFPB ) to help resolve this matter. I expect that you ensure this account is deleted from my credit report and that MIDLAND CRED is held accountable for their failure to comply with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I was given a {$400.00} gift on XX/XX/year> card for my wedding- vanilla visa gift card. I called to activate the card on XX/XX/year> and confirmed the amount on the card and that it was ready to use. XX/XX/year> I went to use the card in a store with the physical card in hand and it was declined. I check online and it says the card is on hold I called and they said it was tagged as fraud and placed on hold and there was no way to reverse the hold. They XXXX me the exact name of the store that attempted the charge and I confirmed that I was there and had authorized the transaction. They would not do anything about it.

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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I initiated a balance transfer of {$2500.00} from XXXX to my Chase XXXX card ( account ending in XXXX ). XXXX confirms the funds were successfully sent with Reference XXXX. As of XX/XX/XXXX, the funds have not appeared in my Chase account. When I called Chase, I was told they could not locate the payment and that I must wait until XX/XX/XXXX for an investigation. This is an unacceptable delay for a confirmed transfer. Meanwhile, Chase has charged me {$54.00} in interest because they have not applied the payment. I have sent a formal secure message to Chase with proof of the transfer, but the funds remain missing and the interest charges remain on my account.

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: Klarna AB
State: MD

Complaint narrative:
I made a purchase at XXXX for {$180.00} and paid with my Klarna debit card and XXXX later cancelled the transaction and refunded me {$180.00} back to my klarna account and Klarna refused to put the refund back on my account

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: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I sat with XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX to discuss a " presentation. '' I discovered later that the presentation was for a timeshare opportunity. XXXX asked for my information to determine the rate/offer I could receive on the timeshare. I shared my personal information, including XXXX, with XXXX. XXXX assured me it was a credit check for the purposes of determining a rate for the timeshare. He asked for my information multiple times, which I provided. Finally, he asked for my signature to confirm my credit check, which i gave. I immediately received an email that I was approved for a XXXX XXXX XXXX XXXX account, and that I would receive a card an activation instructions in XXXX days. When I asked if it was a credit card account, he assured it was not for a credit card, but for a timeshare rate, which I could decided not to use. My email and the website say it's a credit card. XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc.
State: GA

Complaint narrative:
Well I been had an cashapp account for over XXXX years and I haven't did anything wrong to my knowledge and wondering why I can get an replacement cashapp card??

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A.
State: NV

Complaint narrative:
Following the placement of lender-placed insurance on my mortgage account, my payments were not properly applied by PNC. Despite making payments during this period, the account was incorrectly treated as delinquent due to misapplication of funds by the servicer. As a result, a XXXX-day late payment was reported to the credit bureaus for XX/XX/year>. This does not accurately reflect my payment activity. On XX/XX/year>, I submitted a formal RESPA Notice of Error requesting a full review of the payment application history and correction of the inaccurate reporting. PNC has not adequately addressed the servicing error and continues to report the delinquency as accurate, despite the account now being current. I have documentation showing that all payments were made in excess of the minimum amount and not properly applied during the period in question. I am requesting a full investigation into the servicing of this account, correction or removal of the inaccurately reported delinquency, and written confirmation of the findings.

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: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: TX

Complaint narrative:
I am a victim of identity theft. An account with Discover was opened in my name without my authorization. I have filed an Identity Theft Report with the Federal Trade Commission and provided this documentation to both Discover and all three credit bureaus ( XXXX, XXXX, and XXXX ). Despite this, the account continues to be reported as valid and unpaid. The account was previously deleted and then reinserted onto my credit reports. I was not properly notified of this reinsertion. Additionally, the account is actively being updated as over the credit limit, which is causing ongoing damage to my credit. This is inaccurate reporting of a fraudulent account and a violation of my rights under the Fair Credit Reporting Act. I am requesting immediate blocking and permanent removal of this account from all credit bureaus. I am not responsible for this debt. I do not know the billing address associated with this fraudulent account because I never opened or authorized it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CHERRY TECHNOLOGIES INC.
State: GA

Complaint narrative:
I financed a treatment package through XXXX with a provider ( XXXX XXXX ) that included multiple services such as microneedling, laser, and Hydrafacial treatments. I received only XXXX microneedling sessions. The provider then issued a written notice discontinuing services and refusing to provide any further treatments. Because the provider terminated the relationship, the remaining services included in the financed package can not be rendered. I contacted XXXX and provided the discontinuation letter, but my dispute was denied. I also contacted the provider requesting that they coordinate a refund for unused services with XXXX, but the issue has not been resolved. I am requesting that XXXX adjust my loan balance to reflect only the services actually rendered and remove charges for services that can not be completed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: AR

Complaint narrative:
I used cash app and I noticed on the XXXXXXXX XXXX XXXX XXXX that my account was used to use XXXX and I dont know what XXXX even is and I called cash App to get a investigation on the account and they said I would get an answer from them within 10 days then after I called them and they said that I would get a refund but never received anything back and they took over XXXX out of my account I am absolutely furious and about to lose my home my lights water and gas is about to be shut off and they do not care they just keep saying rest assured that your account is in the right hands and cash app investigation team dont even have a phone number so you can call them this is XXXX XXXX

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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
XX/XX/year> For {$2500.00} XXXX. The merchandise was delivered damaged. I was trying to return it but they wouldnt allow me too

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: AL

Complaint narrative:
In XX/XX/year>, I discovered that Sunrise Credit Services , Inc. was reporting a collection account on my credit report. I did not receive sufficient prior notice or documentation validating this alleged debt. After becoming aware of the account, I sent a written dispute and request for validation to Sunrise Credit Services , Inc. last week. As of this complaint, I have not received proper validation, including any signed agreement, full account history, or proof that I am legally obligated to pay this debt. Despite my dispute and request for validation, the account may still be reported and/or collection activity may continue. This raises concerns regarding compliance with the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to provide proper validation of a debt upon request. Additionally, all information reported to the credit bureaus must be accurate, complete, and verifiable under the Fair Credit Reporting Act ( FCRA ). Without proper validation, the continued reporting of this account may be inaccurate or unverifiable. This account is negatively impacting my credit profile and my ability to qualify for a home loan. I am actively working to ensure that all information reported is accurate and compliant with federal law. I am requesting that this matter be properly investigated and resolved.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
XXXX XXXX & XXXX I was scammed my someone pretending to be my sister through XXXX to get {$140.00} sent to them from my chime banking account. I immediately filed a dispute to get my money back and requested information on the account holder the money was sent to for my police report. I have yet to receive any information back on the account holder. The email & phone number of the person that scammed me is XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: FL

Complaint narrative:
XXXX XXXX charge my card XXXX dollars when I tried to send XXXX

Company response to consumer: Closed with explanation