vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 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: CA

Complaint narrative:
had a charge of XXXX $ to XXXX. when i decided to cancel the reservations the money was never returned to the account. chime bank has done this to me on several occasions. when i call to make a dispute on why the charge was taken off and the money never returned. they always try to convince me that the money was returned immediately while saying it takes XXXX to XXXX days. i have screenshots of the charge before it was erased.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I have a balance with bread financial threw XXXX. I made a purchase with XXXX XX/XX/year>. I returned the package XXXX sent me XXXX XXXX.I have confirmation that I will get a refund from XXXX. XXXX says I don't have a balance owed but bread financial still has me oweing a balance. I have a XXXX payment due XX/XX/XXXX and XXXX already have my return neither bread financial or XXXX got confirmation of my return from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I discovered that a debt collection account was being reported on my credit report that I did not authorize and never opened. Despite my attempts to dispute this account directly with the collector and the credit bureaus, it has remained on my credit report. The collector in question, Portfolio Recovery Associates, reported the account with an alleged balance of {$440.00}. I have never received any documentation, signed contract, or verification of this debt. I believe this is an error or a case of mistaken identity, and it has negatively affected my credit standing. I requested verification and documentation of this debt, as required under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 16921692p ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681, 1681i ), but the collector has failed to provide proof that I am legally responsible for this account. I have also disputed the account with the major credit bureaus, citing identity theft and inaccurate reporting, but the account remains listed, causing ongoing harm to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi bank checking misinforms me of my payments on auto pay to credit card and credit card misinforms me.I was charged by their combined efforts XXXX returned check charge and XXXX late fee.Total XXXX.Many times this combo appears and I'm complaining recent issue. I'm using a different bank instead Citi and plan not to use the credit cards that combo combine the issue with Citi bank, by not using Citibank.Once accounts are flat.

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 2026-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
My mortgage servicing transferred to Rushmore Loan Management Services approximately one year ago. Rushmore has successfully debited my bank account every month via ACH for payment. However, their phone system and website can not locate my loan using the prior loan number, borrower SSN, LLC EIN, or property address. The automated system refuses to route calls to a human without entering a Rushmore loan number, which I was never provided. Because of this I can not access my account, obtain my current loan number, receive escrow statements, or obtain Form 1098 for tax reporting. Rushmore is accepting payments but has made it impossible to obtain account information or contact a representative. Rushmore has also failed to provide From 1098 for mortgage interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: NV

Complaint narrative:
Validation of Debt Request - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current
State: OK

Complaint narrative:
My checking account with Current was permanently closed on XX/XX/year> after the company determined that the identity verification photo I submitted ( a selfie and temporary ID ) was not acceptable. On the same day, a student financial aid disbursement of {$2800.00} was sent to the account through XXXX. After closing the account, Current sent me an email stating that if any direct deposits were received after the account closure, the funds would be stopped and sent back to the originating source automatically. However, the {$2800.00} deposit has not been returned to the sender. The funds are currently being held even though the account is closed. XXXX has already sent a Letter of Indemnity requesting that the funds be returned so the disbursement can be reissued to me. It has now been more than 21 days since the account closure and the funds have not been returned to XXXX or issued to me by check. I have contacted Current requesting confirmation that the funds would be returned but have not received a resolution. The account may have had a small negative balance related to an overdraft or paycheck advance, but this amount is minimal compared to the {$2800.00} deposit and does not justify holding the full amount or delaying the return of the funds. In addition, the mailing address that Current has on file for my closed account is incorrect, and because the account is closed I have been told it can not be updated, which raises concerns about where a refund check would be sent. These funds are a student financial aid disbursement intended for educational expenses. I am requesting that Current immediately return the {$2800.00} to XXXX so my financial aid refund can be reissued, or issue the funds directly to me at the correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Validation of Debt Request - XXXX. SYSTEM INC/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: GA

Complaint narrative:
On XX/XX/2025, I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX The vehicle was financed through Global Lending Services. At the time of purchase, the dealership provided inspection documentation indicating that the vehicle had passed a multipoint inspection and did not show major mechanical concerns, including suspension or axle issues. Shortly after the purchase, mechanical issues began to appear. The vehicle was taken to another XXXX dealership for a full diagnostic evaluation. That diagnostic identified significant suspension and axle related concerns that contradict the earlier inspection documentation provided at the time of sale. After discovering these issues, I attempted to resolve the matter by contacting the dealership and seeking clarification regarding the inspection results and the vehicles condition at the time it was sold. I was directed back and forth between the dealership and manufacturer without resolution. The loan associated with this transaction remains active with Global Lending Services even though there are serious concerns that the vehicle may have had pre-existing defects that were not disclosed at the time of sale. I am requesting that the finance company review the loan tied to this transaction and investigate the circumstances surrounding the vehicle sale. Supporting documentation including inspection reports and diagnostic findings is available .Evidence : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: CO

Complaint narrative:
I am filing this complaint against KeyBank for failure to honor a {$400.00} new account promotion. I opened my account on XX/XX/XXXX at the XXXX XXXX ( XXXX XXXX XXXX XXXX ) and met the requirement of {$5000.00} in direct deposits by XX/XX/XXXX. On XX/XX/XXXX, a banker called me from the branch phone number ( XXXX ) to ask if I had received my bonus. When I said no, she promised to call back in one hour but never did. I returned to the branch on XX/XX/XXXX. A different banker confirmed that no promotion code was attached to my account, implying a clerical error by the original banker. This banker promised a resolution by the next day. On XX/XX/XXXX, he called to inform me the bonus was " denied internally '' with no further explanation. I have fulfilled every requirement of the offer. KeyBank is refusing to pay based on an internal administrative error made by their own staff. I am a new customer, I made the required deposits, and I have the call logs to prove the bank was tracking my eligibility. This is a deceptive trade practice. Desired Resolution : Immediate credit of the {$400.00} bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Subject : Re : Capital One Case XXXX / CFPB Case XXXX To the Capital One Customer Advocacy Office , I am in receipt of your letter dated XX/XX/year>, regarding the abrupt closure of my XXXX accounts ( ending in XXXX, XXXX, and XXXX ). Your explanation that my accounts were closed due to " activity ... inconsistent with typical customer account usage '' is vague, unacceptable, and frankly insulting to a long-standing customer. I have used these accounts consistently and responsibly for years without issue. I have not violated any terms of service, nor have I engaged in any illegal or prohibited activities. It is highly concerning that an institution of your size relies on opaque " business concerns '' to sever relationships with customers in good standing, especially when other reputable institutions I bank with, such as XXXX, have no such " concerns '' with my identical financial profile. Since you have stated your decision is final, I require the following actions to be taken immediately to conclude this matter : Credit Reporting Verification : I expect written confirmation that these accounts will be reported to all major credit bureaus as " Closed by Consumer '' or, at the absolute minimum, " Closed in Good Standing, '' as you have explicitly stated this closure " did not relate to your credit worthiness. '' Rewards/Cashback Balance : Provide immediate confirmation that any unredeemed cashback or rewards balances on these XXXX accounts will be dispersed to me via check, as the account closures were initiated by Capital One without cause or warning. I expect a prompt and specific response to these three items. I will be appending this communication to my ongoing CFPB complaint to ensure there is a regulatory record of how Capital One dismisses its responsible customers and military veterans. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: RI

Complaint narrative:
I financed a cruise purchase through Upgrade XXXX XXXX with XXXX XXXX XXXX. Prior to the sailing date of XX/XX/year>, I cancelled the cruise due to safety concerns related to official U.S. Department of State travel advisories affecting the destination region ( XXXX ). After cancelling, I requested a goodwill accommodation from the merchant in the form of a future cruise credit. XXXX XXXX XXXX denied my request and later confirmed through the XXXX XXXX XXXX complaint process that they would not provide any refund or credit and would not reconsider the matter. Because the purchase was financed through Upgrade XXXX XXXX, I contacted Upgrade to dispute the transaction and requested that the financing company review the matter. Upgrade declined to conduct any investigation and instead directed me back to the merchant. At this point, the merchant has refused further communication and has clearly stated they will not reconsider the request. As a result, I remain financially responsible through Upgrade XXXX XXXX for a financed transaction involving services that I did not use, while the lender has declined to conduct an independent dispute review. I am requesting that Upgrade XXXX XXXXXXXX reopen this dispute and conduct an independent investigation rather than directing me back to a merchant that has already closed the matter and refused further communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have personally been conducting transactions at the Chase branch at XXXX XXXX XXXX XXXX, XXXX, Colorado, on behalf of my small business. I have worked directly with bank teller XXXX on multiple occasions. On XX/XX/XXXX, I went to the XXXX branch to make a payment on the account using a company check as usual. I presented the check to XXXX. She informed me that she was unable to apply the payment and stated she needed to call someone regarding the account. After speaking with another individual, she returned the company check and her payment slip to me and advised that she needed to follow up and would contact me. Shortly thereafter, XXXX left me a voicemail asking me to return to the branch so she could inform me of the outcome. On XX/XX/XXXX, I returned to the Chase XXXX branch and spoke with XXXX again. She informed me that, according to Chases records, the account had been paid off in XXXX and that no further payments were required. I specifically asked how that could be and whether she was certain. She confirmed that she was sure and instructed me not to make any additional payments. Based on this representation from a Chase employee at the branch where I regularly conduct business for my small business, I reasonably relied upon that information. On XX/XX/XXXX, my small business, I, and my son received a threatening letter from a Chase attorney regarding our failure to make the XXXX and XXXX payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
Validation of Debt Request - MIDLANDCRE - XXXXXXXX XXXX XXXX XXXX XXXXXXXX Validation of Debt Request - MIDLAND CREDXXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX Validation of Debt Request - MIDLAND CRED - XXXXXXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Opened a savings account with synchrony. Made opening deposits then the account was flagged for suspicious activity and they have unilaterally frozen the account without any recourse whatsoever. They tell me there is no department that answers phone calls about such an incident and I have to wait indefinitely until they are done with their investigation which will take at least 30 days while XXXX dollars of my money has been stolen from me. They told me they needed proof of address and I've submitted all documents as requested, but that was weeks ago and still nothing. Not even one email from them regarding the situation and they still have my money. I ddo n't know what to do. I don't understand how this can be legal.

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 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Credit, Inc
State: KY

Complaint narrative:
I received a letter stating I owe for a debt that I remember applying for but wasn't approved upon research I think it maybe my sister debt but for sure anyways the loans from XXXX. Which is strange since that debt no matter who debt is I think this company trying shady fraudulent tactics for any one from my address to pay this. XXXX was sent on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation