vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Account Number or other information to identify account : XXXX XXXX XXXX XXXX XXXXXXXX address XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AL XXXX Source of dispute information : XXXXXXXX XXXX Credit card Type of disputed information : credit account/tradeline/late payment Dates associated with item being disputed : XX/XX/XXXXXXXX XXXXXX/XX/XXXX & XX/XX/XXXXXXXX Explanation of item being disputed : XXXX XXXX XXXX XXXX account XXXX XXXX XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately. There's 3 three late payments on a closed effective XX/XX/XXXXXXXX FCRA Section 623 requires furnishers of consumer information to provide accurate, complete, and timely data to consumer reporting agencies and to correct any inaccuracies when notified. Closed accounts can still report late payments-but only the ones that happened before you closed the account. Creditors cant slap new late payments on a closed account, but they can keep reporting any past delinquencies that occurred while the account was open. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/XXXX, XX/XX/XXXXXXXX & XX/XX/XXXX. Im now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 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:
On XXXX XXXX, XXXX at aprx. XXXXXXXX XXXX XXXXXXXX my account was drawn on for {$1600.00} by an unkown company. Later identified at XXXX. The problem lies with Chime unable to explain who and why this happened. My business with them and XXXX had been concluded 3 days prior. Resulting in refund of all my money. A total of {$470.00} aprx. Due to a faulty vehicle. Ackloweldged by XXXX and Chime about the refund. I subequently had 2 new cards with new numbers and had those cards locked and frozen, which Chime has acknowledged. So there was NO reason for charges to have gone through, which Chime acknowledges and above all the the dollar amount being requested was NOT available. I do NOT do business to the amounts of {$1600.00} and have NOT done business to the amounts of {$1600.00} at any time with Chime or XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I have a chime account, when I sign up for the chime XXXX XXXX I had no idea that when you're card is charged and XXXX dispute the charges that you get no provisional credit for the amount you are disputing. The charged made my account over drift. It is extremely miss leading. Im just now finding this out. I was told if I had a regular card they would give me a provisional credit. Ive never heard of this at all. Very miss leading to the consumer and customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding a fraudulent account reported on my credit report by National Credit Adjusters related to Check Into Cash. This account has been confirmed as fraud. I have attached an official FTC Identity Theft Report, as well as written communication from National Credit Adjusters stating that the account has been closed due to fraud and that they will request deletion from the credit bureaus. Despite this, XXXX continues to report this account on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under Section 605B, which requires credit reporting agencies to block fraudulent accounts once proper identity theft documentation has been provided. I have already disputed this account and provided documentation, yet it remains on my report inaccurately. I am requesting the immediate removal of this fraudulent account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/year>, my account with Wells Fargo was frozen shortly after I received a legitimate wire transfer from a business account. I was informed that my account would be closed due to a risk factor, but no specific explanation has been provided. As of XX/XX/year>, my account remains restricted and my funds are still being withheld, despite the closure timeline having passed. I have not been informed of any active investigation, nor have I been given clear instructions on what is required to release my funds. I have made multiple attempts to resolve this directly with Wells Fargo, but they have continued to delay access to my funds without providing justification.

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 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IL

Complaint narrative:
I am submitting this complaint regarding Chimes refusal to reimburse a fraudulent transfer from my account. On or about XXXX, I was contacted by an individual posing as a logistics coordinator offering dedicated freight opportunities for my trucking company, XXXX XXXX XXXX. The individual requested a {$490.00} payment as a securement fee to assign the load. Believing this was a legitimate business transaction, I sent the payment through my Chime account. Shortly after the transfer, I discovered that the individual was impersonating a logistics coordinator and that the opportunity did not exist. This was a scam. I immediately reported the fraud to Chime and requested a dispute investigation. Chime denied my claim and required a police report, but did not provide meaningful assistance or protection despite the transaction clearly involving impersonation and business fraud. As a small business owner, this loss directly affects my operations and financial stability. I believe Chime did not properly investigate this unauthorized or fraudulently induced transaction as required under consumer protection standards. I am requesting that Chime reopen the investigation, review the evidence of impersonation fraud, and reimburse the {$490.00} that was obtained under false pretenses. I am also requesting that Chime clarify why protections were not applied in this case and what additional documentation is required beyond what has already been provided. I respectfully ask the Consumer Financial Protection Bureau to review this matter and assist in ensuring a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
The unauthorized transfers were routed through XXXX XXXX and involved accounts at XXXX XXXX ; however, this complaint is against Truist as the originating bank that denied the fraud claim. : I was a victim of an impersonation scam and account takeover. I received a text message and phone call from an individual claiming to be a fraud representative from XXXX XXXX XXXX on XX/XX/year>. She gave her name to be XXXX XXXX, stating that there had been some fraudulent activity on my account, then gave the phone to her supervisor, named XXXX XXXX. I did not authorize this person to access my account or perform any transactions. Following this contact, unauthorized activity occurred on my account. Funds were transferred from my accounts, XXXX XXXX and Truist, to XXXX XXXX in the amount of {$5600.00} and then withdrawn without my knowledge or consent. I did not initiate, approve, nor benefit from these transactions. The transfers were conducted by an unknown third party who gained access to my accounts through deception. This incident has been reported to my bank and the authorities to dispute this matter of unauthorized electronic fund transfers.

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 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Wave Financial USA Inc.
State: WA

Complaint narrative:
I am the owner of XXXX XXXX XXXX XXXX, a U.S.-based business using Wave for payment processing. Wave is currently holding {$16000.00} of my business funds. These funds were paid by my customers through Waves payment system between XX/XX/2026 and XX/XX/2026 and have already been processed. Wave initiated a review related to one transaction, and I fully cooperated and provided all requested information. On XX/XX/2026, I received written confirmation from Wave that the review was complete, my account was approved, and that my payout would be released that day with funds expected in my bank account on the next business day. Despite this explicit confirmation, the funds have still not been released. I have contacted their support team multiple times and only receive generic responses stating that the issue is being worked on, with no clear explanation, no timeline, and no resolution. This is causing serious financial harm to my business, as I am unable to pay for labor, materials, and ongoing project expenses due to these withheld funds. I am requesting the immediate release of all funds being held, or a clear and legally justified explanation for the continued hold, along with a specific release date.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
I am filing this complaint against Current ( XXXX XXXX XXXX ) for failure to properly investigate a transaction error ( Dispute # XXXX ) and for discriminatory treatment. As an individual with XXXX, I have attempted to resolve this {$1.00} vending machine failure at my workplace ( XXXX XXXX ). Current has summarily denied my claim without providing the evidence they claim to have. I believe I am being targeted and dismissed by their dispute department due to my XXXX, which is a violation of my rights. They are refusing to acknowledge a clear mechanical failure and are providing no reasonable accommodation for me to resolve this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NC

Complaint narrative:
Crown Asset Management bought three of my charged off debts two from XXXX and one from XXXX the only communication from them was a letter dated XXXX saying they would protect my personal information never received anything in writing about the three loans they bought. They did have a 3rd party call me and wanted me to agree to a verbal agreement for repayment refused to send an email document or written document. I have never received a reply from Crown they just will not reply they have many lawsuits against them they play hide and seek then out of the blue sue people. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV Funding LLC is reporting 5 accounts on my credit report that I do not recognize. I sent a formal debt validation letter via certified mail on XX/XX/XXXX. As of today, LVNV has failed to respond or provide any validation. The accounts also show XXXX 'opened " dates which appear to be when LVNV purchased the debts, not the original delinquency dates, this is re-aging in violation of the FCRA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Klover Holdings, Inc.
State: FL

Complaint narrative:
I had asked them to stop withdrawing from my checking account via ACH or debit card or through any type of electronic transaction. This was initially done on XX/XX/XXXX for a scheduled ACH withdrawal that was to occur on XX/XX/XXXX. since then I have sent multiple emails ( at least 10+ ) clearly revoking their ACH authorization and they have not done it as of this date, XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
I am filing this complaint regarding Credence Resource Management for unlawful and improper reporting of a collection account on my credit report. On XX/XX/year>, Credence Resource Management reported a collection account in the amount of {$790.00} to my credit file through Experian. This account appeared without any prior notice, communication, or validation from the company. I have never received any written notice, initial communication, or validation of debt from Credence Resource Management as required under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I was not provided the required 30-day validation notice under 15 U.S.C. 1692g. Despite this, the company proceeded to report this account as a collection, which has negatively impacted my credit profile. Reporting a debt to consumer reporting agencies without first providing proper notice and an opportunity to dispute the debt raises serious compliance concerns. Additionally, this account is being reported without any verification that I have been provided. Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to ensure that any information reported is accurate and verifiable. At this time, I have not been provided with any documentation demonstrating that this alleged debt is valid, that I am legally obligated, or that Credence Resource Management has the legal right to collect. This conduct appears to violate, but is not limited to : FDCPA 1692g ( failure to provide proper validation notice ) FDCPA 1692e ( false, deceptive, or misleading representation ) FCRA 1681s-2 ( failure to report accurate and verifiable information ) I dispute this account in its entirety. I am requesting the following resolution : Immediate deletion of this account from all consumer reporting agencies Written confirmation that this account has been removed Full validation of the alleged debt, including original creditor, signed agreement, and complete chain of title, if the company believes the account is valid Please be advised : If this matter is not resolved promptly and the account is not removed, I am prepared to pursue further action, including filing claims for violations of the FDCPA and FCRA. I expect a thorough investigation and response within the required timeframe. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Guild Holdings Company
State: GA

Complaint narrative:
I am filing a complaint against Guild Mortgage regarding the handling of my loan estimate and failure to properly disclose a known fee. Guild Mortgage Branch Manager XXXX XXXX failed to include an HOA initiation fee of {$1400.00} in my original Loan Estimate. This fee was clearly disclosed in my purchase contract on page 42 and was available to her at the time I signed the contract on XX/XX/year>. My initial Loan Estimate stated that I would need {$360.00} cash to close. However, on XX/XX/XXXX, XXXX than 30 days before closingI received updated disclosures via XXXX showing my cash to close had increased significantly to {$2200.00}. I did not receive any prior explanation or phone call regarding this substantial increase. I emailed XXXX XXXX requesting a phone call to discuss the discrepancy. She did not call me. Instead, her processor, XXXX XXXX, responded by email with an explanation. When I followed up directly with XXXX XXXX asking why the amount had increased so significantly, she stated that she had just received the final numbers from the closing attorney. This statement is inaccurate. The HOA initiation fee was clearly outlined in my purchase contract at the time of signing. This was not new or unknown information. My realtor also confirmed that the fee was present in the contract from the beginning. The failure to include this fee in the original XXXX XXXX was due to the loan officers oversight. After I brought this to her attention, XXXX XXXX shifted responsibility to me, stating in writing that if I was aware of the fee, I should have brought it to her attention. As the borrower, I relied on the lender to accurately review my contract and provide a complete and accurate Loan Estimate. I requested a lender credit of approximately {$1400.00} to correct this error and account for the undisclosed fee. I escalated the issue to XXXX XXXX XXXX, XXXX XXXX, who referred the matter to their legal department. I was ultimately informed that XXXX Mortgage would not provide any credit and that my only options were to proceed with the loan as-is or withdraw from the transaction. This situation has caused me financial hardship, as I was not properly informed of the true costs associated with my loan in a timely manner. I am concerned that Guild Mortgage failed to meet its obligations for accurate and transparent loan disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Last year XXXX XXXX XXXX XXXX notified card holders they would be increasing our interest rate starting XX/XX/year>. However they did not notice us that we would be paying BOTH APR rates since that change. I have been charged the interest rate from before the change on part of my balance and the new rate on purchase after the rate hike. It is unfair for me, who does carry a balance, to be charged double APR every month! I am being charged $ XXXX for one rate and $ XXXX for another in the same bill. That seems very unethical and suspicious considering we were never warned about being charged twice and means that almost all of my minimum monthly payment is going towards interest alone instead of lowering the balance. I am only including my most recent bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/year> I submitted the complaint regarding unjustified collection of {$110.00} in fees for a failed wire transfer. Today, XX/XX/year> I received a response. My complaint is a follow-up caused by the bank 's response I received today. The response neither offer any settlement nor substantiates the cause of the transfer failure or the fees collected. This constitutes a failure to provide required transaction documentation and insufficient investigation. - The bank failed to provide wire trace or XXXX documentation explaining the rejection - The response did not address the cause of failure - The response is non-substantive and does not meet reasonable investigation standards

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 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: iQuantified Management Services, LLC
State: TN

Complaint narrative:
I received an unsolicited text message from XXXX XXXX XXXX ( XXXX ) attempting to collect a debt. The message provided no creditor name, no amount, and no validation details. I do not recognize this debt. I regularly monitor my credit through XXXX XXXX and XXXX and there are no collection accounts or delinquent debts reported. This appears to be an attempt to collect an unverified or invalid debt, possibly sent in error or targeting the wrong individual. I request validation of this debt and that the company cease contact unless proper documentation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
chase bank refusing to reverse unauthorized charge for XXXX they flagged my account closed the account had me open a new account because of the fraudulent charge

Company response to consumer: Closed with explanation