vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 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: Branch Messenger, Inc.
State: NJ

Complaint narrative:
XXXX XXXX and XXXX ( XXXX XXXX XXXX XXXX ) > " I am disputing a charge of * * {$62.00} * * from * * XXXX * * ( Dispute ID : XXXX ) for a stay at XXXX XXXX. While I technically checked in, the room provided was a severe health hazard and uninhabitable. > > * * The Evidence : * * > 1. * * Health Hazard : * * The room was covered in visible mold, and the heater was broken. I have photos of these conditions. > 2. * * Constructive Eviction : * * Due to the mold and lack of heat, I could not breathe and was forced to flee the premises at XXXX XXXX for my own safety. > 3. * * Attempted Resolution : * * I attempted to resolve this with the front office, but it was closed and boarded up with a metal plate. I followed their 'after-hours ' instructions and left. > 4. * * Bank Error : * * XXXX XXXX XXXX XXXX XXXX XXXX ) denied my dispute, claiming 'services were rendered. ' Providing a room with mold and no heat is a failure to provide the contracted service. Furthermore, their app showed the case as 'Open-ExecuteRecovery ' before they arbitrarily denied it. > > I am requesting a full refund as the merchant failed to provide a safe, habitable environment. '' --

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: RFNA, LP
State: VA

Complaint narrative:
I got garnished from the company on me and my bank with additional interest and lawyer fees

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On XX/XX/year> I sent LVNV Funding LLC a written request for debt validation under 15 U.S.C. 1692g LVNV has not provided any documentation or validation ; they continue to report/attempt collection. I request CFPBs assistance to require proper validation and to remove these accounts from my credit reports until they are verified. LVNV Funding LLC ignored my XX/XX/year> debt-validation request under 15 U.S.C. 1692g for XXXX accounts and continues reporting/collecting ; I request CFPB intervention to enforce validation and removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
After calling the Original credit company to make payments it was unknown to me that they had changed off the account and wasnt willing to take or make any payments except for payment in full. I just received this email from Midland Credit Management , Inc that has bought this account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, Bank of America notified me that it was closing my business checking account that had been open since XXXX. No specific reason was provided beyond a vague reference to an alleged violation of the Deposit Agreement. Bank of America has refused to provide any factual basis or evidence for this allegation. On XX/XX/XXXX, Bank of America issued and mailed a cashiers check ( check number XXXX ) in the amount of {$38000.00}, representing the remaining balance of my business checking account. On XX/XX/XXXX, I presented this cashiers check in person at a Bank of America financial center located at XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. I provided valid identification and requested payment. Branch staff and the branch manager refused to honor the check, citing a purported {$4000.00} check-cashing limit for non-customers. Since that date, I have attempted to negotiate this cashiers check at three separate Bank of America financial centers. Each location has refused to honor the check for the same reason. This is not a third-party check. This is a cashiers check issued by Bank of America itself , drawn on Bank of Americas own funds. I am the named payee and can fully verify my identity. Bank of Americas internal non-customer cashing limits do not extinguish its obligation to honor its own instrument. Under UCC 3-412, the issuer of a cashiers check is obligated to pay the instrument according to its terms to the person entitled to enforce it. Bank of America has refused to do so while providing no reasonable alternative method for payment. Instead, I have been repeatedly told to open an account at another bank. This does not resolve the issue and does not address Bank of Americas obligation to honor its own cashiers check. The business has since been dissolved, and in any case, the banks obligation to honor its instrument is not contingent on my ability to open new accounts elsewhere.

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 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IN

Complaint narrative:
On XX/XX/XXXX my chime checking and savings account were compromised. I received notice that my account had been closed and that the remainder of my money would be sent to me via check on the address I had on file. I was sent a message asking if I made the decision and if I didn't to reply help to the message. Which I did. Chime support then contacted me and I told them I didn't close my account. They then asked if I made any ACH transfers or if I was traveling at the moment, which I responded no. They told me there was a suspicious device in XXXX, Florida that had access to my account and they had transferred XXXX dollars out of my account. I filed a dispute along with deleting the foreign device and changing my passwords. Chime has now denied my dispute 3 times saying there's no issue with their system and not enough evidence that I didn't make these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am filing a complaint regarding Bank of Americas handling of my unauthorized transaction claim. In XX/XX/year>, transactions totaling approximately {$26000.00} were made from my checking account using my debit card without my authorization. These transactions resulted from an account takeover of my XXXX account. I did not authorize, knowingly authenticate, or benefit from any of these transactions. I reported the issue to Bank of America promptly and filed a fraud claim. Bank of America denied my claim and then denied my reconsideration, stating that the transactions were authorized or made by someone with permission. I never gave permission to any person to use my account. I requested documentation supporting their decision, including evidence that I authorized the transactions, such as authentication logs, device data, or proof of consent. Bank of America did not provide any such evidence. Bank of America appears to have relied on the presence of digital wallet or biometric authentication to conclude that the transactions were authorized. However, authentication does not establish authorization or intent under Regulation E, especially in cases involving account takeover. Bank of America failed to properly investigate my claim and did not apply Regulation E protections correctly by equating authentication with authorization and failing to consider that the transactions were unauthorized. I am requesting that Bank of America conduct a proper investigation in compliance with Regulation E and reimburse the unauthorized transactions in full.

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 2026-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Could you review this entry? It appears late and may be incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 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: MD

Complaint narrative:
I am filing this complaint because Jefferson Capital Systems is attempting to collect and report a debt without providing validation, despite multiple certified Debt Validation requests and a Cease & Desist notice. I sent Jefferson Capital Debt Validation letters in XX/XX/2026 and XX/XX/2026, all by certified mail. In XX/XX/2026, I also sent a combined Cease & Desist + Debt Validation letter. Jefferson Capital received these letters but has never provided any validation, documentation, itemization, or proof that the debt belongs to me or that they have the legal right to collect it. Despite failing to validate the debt, Jefferson Capital continued collection activity by updating and verifying the account with XXXX. In XX/XX/2026, XXXX notified me that the account has not been changed and will remain on your credit report, even though Jefferson Capital has not validated the debt. This is continued collection activity after a validation request, which violates the FDCPA. It is also an FCRA violation because they are furnishing and verifying information with a credit bureau without having validated the debt. I am requesting that the CFPB investigate Jefferson Capital Systems for failing to validate the debt, continuing collection activity after receiving multiple validation requests and a cease notice, and reporting unverified information to XXXX. I am requesting that this account be removed from my credit report due to these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I am submitting this complaint regarding an account financed through Synchrony Bank for purchases made with Rooms To Go. This account was opened jointly during my marriage. My marriage was legally dissolved in XX/XX/year>, and after that time I was no longer actively managing or aware of the payment activity on this account. Following the dissolution, payments were missed without my knowledge. As soon as I became aware of the delinquency, I took immediate action to resolve the balance and prevent further negative impact. The attached court documentation confirms that my marriage was legally dissolved and that marital debts were addressed as part of that process. While I understand I remained listed on the account, the missed payments occurred during a period when I was no longer involved in managing this obligation. I have made a good faith effort to work directly with the creditor to request a goodwill adjustment, but have only been offered minimal correction despite the circumstances. These late payments have significantly impacted my credit profile and do not accurately reflect my individual financial responsibility or payment history. I am respectfully requesting a full review of this account and a goodwill adjustment to remove the late payment history. At minimum, I am requesting a reasonable accommodation that reflects the circumstances and timeline following my divorce. Thank you for your time and consideration.

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 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: CO

Complaint narrative:
On XX/XX/year>, I sent {$100.00} with tracking number XXXX. I never shared the tracking number with anyone. The money was picked up by an unknown person, so I filed a complaint with Western Union and was given case number XXXX XXXXXXXX. A week later, they said proof of the transaction was sent to my email, but after checking all my inboxes and spam folders, I found no such email. I requested the proof again, but still received nothing, even though they claimed it was picked up with the correct ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: RELIANCE FIRST CAPITAL LLC
State: PA

Complaint narrative:
I have a mortgage through Reliance XXXX and I am in the process of refinancing with another company ( XXXX XXXX ). I have asked and XXXX XXXX has asked for a 30 day payoff for the past month 1/2 and have still not received it. I have done everything they have asked I sent my signed permission for them to release this information, I have been on 3 way calls giving my permission to release this information, I have made multiple calls myself and have asked to release this information and I have still not received my 30 day payoff. It seems to me that they are holding my payoff hostage. I have started this process on XX/XX/XXXX and have asked for the payoff on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Sent a authorization letter on XX/XX/XXXX, Sent a Disclosure Consent on XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rodenburg LLP
State: SD

Complaint narrative:
I was never served papers notifying me that I owed a debt in the first place, they got a writ of garnishment and have been garnishing my wages at a rate of 20 % preventing me from being able to cover my other financial obligations adequately. I first attempted to reduce the amount they were garnishing but they didnt respond and I then tried to get them to discharge the debt entirely and they again didnt respond. They are maliciously targeting me and it is effecting me financially and emotionally on a very deep level.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Red River Credit Corporation
State: OK

Complaint narrative:
So a few days ago I received a check in the mail and XXXX first I ignored it but then decided to use it because I had an unexpected bill come up and so I call the company before I take it to the bank and they're like yes it's real and we sent that to you after reviewing your credit online and so I'm like awesome and I take the check to my bank and my bank is like we're holding it for XXXX XXXX XXXX days to verify and thank goodness they did because the next day the company decides they will not honor the check and they blame XXXX for the confusion and stated that even though it is their check with their name on it they are steady blaming another company and I feel as if they should honor the check and they said this happened with multiple people and that it is not their fault and that we need to reach out to XXXX for any problems but I feel it is their fault for not doing the proper research before they sent out a check and I want an apology and for them to honor the check

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 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am submitting this complaint regarding a debt associated with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which has been assigned to Transworld Systems , Inc. ( TSI ) for collection. The original debt was approximately {$6000.00}. Beginning in XX/XX/XXXX, the debt has been actively repaid through involuntary garnishment of my XXXX XXXX XXXX pay. These garnishments have been substantial, ranging between approximately 50 % to 75 % of my pay. As of my most recent XXXX XXXX and XXXX XXXX ( XXXX ) Leave and Earnings Statement, the remaining unpaid balance is {$270.00}. However, despite continuous payments being applied through XXXX, the third-party collection agency ( TSI ) is reporting a balance exceeding {$4200.00}. This represents a discrepancy of nearly {$4000.00} between the amount reflected by XXXX ( which is processing the payments ) and the amount being pursued by the collection agency. On XX/XX/XXXX, I submitted a formal dispute to the XXXX XXXX XXXX requesting : Debt validation Itemized accounting Explanation of added fees Reconciliation of the balance XXXX XXXX XXXX XXXX responded by directing me to Transworld Systems , Inc. ( TSI ), stating that all communication must go through the collection agency. I contacted TSI via phone call back in XXXX and was informed that they do not own the debt and can not adjust the balance, and that those changes must come from the XXXX XXXX XXXX. As a result, I have been placed in a circular process where : The creditor refers me to the collection agency The collection agency refers me back to the creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
I received multiple phone calls regarding this debt. They stated that I owed millrun company {$2200.00}. I told them that the amount mentioned is wrong, and I only owned them XXXX which i make a payment of XXXX already. I sent multiple emails to XXXX XXXX and showed them proof that I had insurance in the house for a whole year, still no response. Now I received a settlement fromFair Collections & Outsourcing , Inc stated that they are willing to settled down for 20 % of the wrong amount that they said I owed which I am not.

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 2026-03-18 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: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/XXXX at XXXX in the XXXX I received notice of an unauthorized charge on my account I tired to contact the company that order was placed through and they were closed due to the time difference I tried disputing with my bank and they told me to wait til the charge went through so I called the company XXXX XXXX and informed I did not authorize the order they said it was too late to cancel and it was being sent to the fraud department I have yet to receive anything that they investigated the charge and once the charge processed I immediately disputed with my bank after 4 business days I received notice that my dispute was denied I asked for documentation they used to investigate and they sent me a statement of transactions for the month the transaction in question and a transcript of the conversation when I requested the dispute nothing showing it was investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On around XX/XX/XXXX which is a Saturday afternoon. I was talking to doing a balance transfer which would have A fee of {$530.00} XXXX decided I did not want this so I went to the bank on Monday morning which was not even a full business day and I also did not have a merchant to call to cancel the transaction. The bank bank reverse the {$12000.00} but did not reverse the fee of {$530.00} I've been going back and forth with these people. I did not use a balance transfer. I did not have a merchant for this balance XXXX. I do not want this balanced transfer. I never use the balance transfer and I do not want to pay a fee of {$530.00} it needs to be taken off my account

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