vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 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: LA

Complaint narrative:
On XX/XX/year>, I filed a dispute with Chime after noticing unauthorized charges totaling {$1200.00} on my account and discovering that my debit card was missing. The dispute was opened the same day. On XX/XX/year>, I was notified that my claim had been denied. I immediately contacted Chime to request an explanation and was advised that additional information would be sent to me via email within XXXX business days. On XX/XX/year>, I called again to inquire about what steps were necessary to have my claim reopened. I was instructed to file a police report. I promptly filed the report and uploaded the required documentation that same day. Despite complying with all requested steps, I was notified on XX/XX/year>, that my claim had been denied again. Since then, I have contacted Chime on XXXX separate occasions XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> seeking clarification regarding the denial. Unfortunately, no representative has been able to provide a clear explanation as to why my claim was denied, despite my full cooperation and submission of all requested documentation. During these interactions, I experienced unprofessional and discourteous treatment from multiple representatives and supervisors, including a supervisor named XXXX. I was repeatedly informed that there was nothing further they could do and that no additional information could be provided regarding the decision. I also explained that I do not have any new information to submit, as the merchants involved have not provided me with any documentation. I have made every effort to comply with all instructions and provide the necessary documentation in a timely manner. However, I have yet to receive a clear explanation or fair resolution regarding my disputed unauthorized charges totaling {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, 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 2026-03-04 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Subject : Dispute Handling by Navy Federal Credit Union XXXX with Online Gambling Merchant I am submitting this complaint regarding the handling of a debit/credit card dispute by Navy Federal Credit Union XXXX In approximately XX/XX/year>, several transactions were processed on my account by an online gambling merchant. I filed a dispute with Navy Federal Credit Union shortly after noticing the transactions. I explained that the merchant was providing online gambling services, which are not legal in the state of Georgia where I reside. My initial dispute was denied, with the bank stating that the transactions were valid. I then submitted a request for the dispute to be reopened and reclassified under misrepresentation and failure to provide services. I explained that the merchant was offering services that are unlawful in my jurisdiction and should not be considered valid transactions. Despite providing this information, XXXX XXXX denied the dispute again without adequately addressing the issue of the legality of the services being provided to a Georgia resident. I am requesting that Navy Federal Credit Union : XXXX a full review of how this dispute was handled. Provide the merchant documentation used to justify the denial. Explain how transactions for services that are unlawful in my state were considered valid. Reevaluate the dispute and provide appropriate resolution. As a consumer, I believe the dispute was not properly evaluated and that the circumstances surrounding the merchant and the nature of the services were not sufficiently considered. I appreciate the CFPBs assistance in ensuring that this matter receives a fair and thorough review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
XXXX years ago, I attempted to turn in a vehicle that was tied to the loan due to it being not totaled but damaged mechanically beyond what was advised to pay. I was told I can not just turn in the vehicle and had to pay the amount owed. Conversations on this were made between XXXX XXXX XXXX Which I attempted to try to trade in but was unable to as well. I talked to a customer service representative today in regards to turning in the vehicle and was told they should have never disclosed I can not turn in the vehicle and that is very much doable. Due to this misinformation, I am not several months behind in payments and struggling to keep up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased industrial oil products from the merchant ( XXXX XXXX XXXX XXXX ) using my Capital One Spark XXXX XXXX card. The transactions occurred on XX/XX/year> for {$840.00} and XX/XX/year> for {$1000.00} ( two charges totaling {$1000.00} ). Later in the year, I arranged to return the merchandise with the merchant. The merchant picked up all returned merchandise on XX/XX/year> and confirmed that a refund would be issued. I was told the refund would take approximately 14 days to process. After the merchandise was picked up, no refund was issued. I contacted the merchant multiple times requesting the credit. The merchant initially stated the refund would take approximately 14 days but later refused to process the refund despite having retrieved the merchandise. I then contacted Capital One and opened dispute cases for both transactions. I provided supporting documentation including invoices, proof of pickup on XX/XX/year>, and communications with the merchant confirming the refund timeline. Capital One initially issued temporary credits while the disputes were under review. Capital One later closed the disputes and reapplied the charges, stating that the dispute timeframe had expired because more than 60 days had passed since the original transaction dates. However, my dispute is not about the original purchases. The dispute concerns credits that were never issued after the merchant accepted the return and retrieved the merchandise. I am requesting that Capital One review the dispute handling process and reconsider the decision. The merchant retained the returned merchandise but did not issue the agreed refunds. Because the merchandise was retrieved on XX/XX/year> and the refund was expected within approximately 14 days, the dispute concerns a credit not processed after an accepted return rather than a dispute of the original purchase transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am filing this complaint regarding the closure of my Bank of America checking account and the handling of a deposited check. My husband deposited a check into my account. The check was made payable to him, not to me. The bank placed the check on hold, which I understand may be part of their risk procedures. However, while the check was still on hold and before any funds were withdrawn, Bank of America closed my account without providing a clear explanation. It has now been approximately two months, and the situation remains unresolved : The check is still on hold. The funds have NOT been returned to the check issuer. My husband has NOT received the money. I do not have access to my online banking. I have not been given a clear timeline or resolution. The bank is holding funds that do not belong to them, while also preventing the original payer from recovering the money. This has caused financial hardship and unnecessary stress. This matter has been ongoing for two months without resolution, which I believe is unreasonable

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 2026-03-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: MD

Complaint narrative:
This program is suspended they keep blowing me off if you check back dares to when I deposited money it ssys that I did not spend any but earlier the workers tried to say that I used my card on the XXXX initial direct deposit but on that day till the XXXX of XXXX I was in the process of verification for the account and card use to work but it wasnt possible for money to go missing and the day of that I was not aware or even knowingly missing money but I could have been no way shape and form also I could have sworn I had it all in there one problem tho it really was so I suspect wire fraud and did start an investigation in many different places but the number for the escalation is XXXX good day looking forward to speaking with you advocacy team see you soon my phone number is XXXX my email is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/year>, I XXXX XXXX contact each credit bureau because of inaccurate information. Company name Westlake Financial Services, XXXX and balance {$19000.00}. I have received no reply. Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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:
Subject : Formal Dispute and Demand for Validation JEFFERSON CAPITAL SYSTEMS Re : Account Number XXXX To Whom It May Concern : I am in receipt of your communication regarding the above-referenced alleged credit card debt. I dispute this debt in its entirety. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Florida Consumer Collection Practices Act ( Fla. Stat. 559.55 et seq. ), I request full validation of this debt. Please provide : 1. The name and address of the original creditor. 2. The original account number. 3. A complete itemization of the alleged balance, including principal, interest, and fees. 4. A copy of the original signed agreement or application. 5. The charge-off date and date of last payment. 6. A complete chain of title, including a copy of the bill of sale and assignment showing that Jefferson Capital Systems legally owns this specific account. 7. Proof that your company is authorized to collect debts in Florida. Until you provide the requested documentation, you must cease all collection activity. All future communication must be in writing. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: CO

Complaint narrative:
Last Tuesday I recieved my tax deposit. I tried buying a car. I was able to send a {$1000.00}. After that it started rejecting my payments through apple cash. I recieved emails asking to verify. I did and still didnt let me. I contacted Credit Karma they said everything was ok try again so i fid and it froze me. I dont have my license but a copy of it. I sent my lic cooy, utility bill and social security and a picture of myself. I even called them in hold for 4 hrs. Nobody will email me back. I lost my car and my job because if them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
Medicredit has called my number almost daily non stop. I have also sent a message directly to for debt validation and to cease and decease. I wish for them to validate the debt per the letter and to cease and decease contacting me outside of debt validation. In addition, I have also sent them communication through XXXX so that they would receive the information by that means as well. Please find enclosed all of the written correspondence for account XXXX, which is different from the previous submission for Medicredit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
I am disputing a loan issued through Mariner Finance that was used to finance a XXXX water softener installed in my home in XX/XX/year>. Since installation, the system has repeatedly failed to perform as represented. The water is not consistently softened and continues to have odor issues despite multiple documented service complaints and repair attempts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida ). Due to the continued nonperformance of the system, I requested cancellation of the agreement and removal of the equipment. XXXX has not honored this request and has refused to retrieve the equipment. Because this loan was arranged through the vendor for the purchase of this product, I am disputing the validity of the financing associated with this transaction. I have requested that Mariner Finance place the account in dispute status while the vendor issue is resolved. I am requesting assistance in resolving this matter so the defective product can be returned and the financing tied to this transaction can be properly addressed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 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:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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
Consumer complaint received 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I respectfully submit this additional statement regarding my complaint because I believe the companys response does not address the core issues raised. XXXX independent vehicle history reports exist regarding the vehicle sold to me : XXXX Report showing the vehicle had previously been involved in an accident. XXXX history report indicating the vehicle had previously been reported stolen. Neither of these issues was disclosed to me at the time of purchase. Both the dealer and the finance company had access to vehicle history information, yet this information was not clearly communicated to me before I entered into the transaction. Had I known that the vehicle had been involved in an accident and had a theft history, I would not have agreed to purchase the vehicle or enter into the financing agreement. After purchasing the vehicle, there were XXXX additional attempted theft incidents, including one situation where individuals attempted to take the vehicle by force. During that incident I was assaulted and suffered injuries that caused me to miss approximately XXXX XXXX of work. These events reinforced the seriousness of the vehicles theft history and the risks associated with it. In addition to the undisclosed vehicle history, I raised concerns regarding the structure and transparency of the contract, including how my trade-in value and cash deposit were handled within the financing agreement. My understanding is that the value of my trade-in was reduced while the value of the vehicle being sold to me was significantly increased, resulting in an inflated financing balance. As a result of this transaction : I lost the value of my trade-in vehicle. I lost my cash down payment. I was left responsible for financing on a vehicle that I believe was significantly overvalued given its history. I believe this situation highlights a broader problem where consumers may not receive complete or clear information regarding a vehicles history before entering into a purchase and financing agreement. My intention in submitting this statement is to ensure that the full record reflects the documentation I provided, the vehicle history reports that exist, and the financial and personal consequences I experienced as a result of this transaction. There should be consequences for these kind of transactions as I see this is as abuse of consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX I thought i was approved for a loan. I was scammed. The scammers requested my bank login information and XXXX XXXX information. The scammers went into my account and started disputing charges totaling up to XXXX. I already made. When I relizes what was happening I went to my bank and explained the situation. They called the fraud department. Then they had me close that account change all my login information and open a new account. I was charged the off set balance off XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Niagara Central Revenue
State: CA

Complaint narrative:
I was receiving numerous phone messages in XX/XX/year> to call an unknown number to verify my background check. Nothing was mentioned about debt. I finally called XX/XX/year> and was told I had to pay this mediation co over {$3000.00} for an account they bought or I would be taken to civil court. I asked for copy of the letter they claimed they sent me, and they sent email with letter dated the day we talked. I checked all 3 credit reports and have no debt in the name they said. I asked in my return email for details on this debt as I have 30 days to dispute. I received an email back the next day XX/XX/year> they are forwarding this to the courts and that is where I can see documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This credit access was made without my direct approval.

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 2026-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation