vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CT

Complaint narrative:
I had a chime credit builder account. I declared bankruptcy. On XX/XX/XXXX they removed XXXX from my checking account which was tied to credit builder account. I havecotacted the several times and was told that my money would. Be returned by check. It is now XX/XX/XXXX and my moneybwas not refunded. I spoke with. Customer service again today and was told they will not refund my money. In other words they removed XXXX from my account and refuse to return thay money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Via Certified Mail Re : Request for Debt ValidationAccount/Reference No. : [ Account number from their letter, if any ] To Whom It May Concern : I am writing in response to your communication dated [ date on their notice/letter ] regarding the above-referenced account. I dispute this debt and request validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following : 1 The name and address of the original creditor, and the original account number ( if different ). 2 The amount claimed, including an itemization showing principal, interest, fees, payments/credits, and how you calculated the current balance. 3 A copy of the original contract or agreement ( or other documents ) bearing my signature or otherwise showing I agreed to the debt. 4 Documentation that you are legally entitled to collect, including proof of assignment/ownership of the debt ( chain of title ), or authorization to collect on behalf of the current creditor. 5 The date of default and the date of last payment. 6 The name and address of the current creditor ( if different from the original ). 7 A copy of any judgment, if applicable. Pending your response, please cease collection efforts and do not report ( or, if already reported, mark as disputed ) any information to credit reporting agencies until you have provided the requested validation. All future communications with me should be in writing and sent to the address listed above. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CashRepublic Holdings, Inc.
State: VA

Complaint narrative:
I obtained a personal loan from Omni Financial ( XXXX XXXX XXXX ). A payment in the amount of {$330.00} became past due. I brought the account current on XX/XX/year>, by paying the full past-due amount. Despite this, Omni Financial contacted a family member who was not listed on my loan application and is not authorized on my account. This occurred on XX/XX/year>, and again on XX/XX/year>. The individual contacted did not provide their phone number in connection with my loan. Contacting unrelated third parties regarding my personal financial matters was inappropriate and unnecessary. These actions caused embarrassment and emotional distress, as my private financial situation was exposed to family members without my consent. I have instructed the company to cease third-party communication. The repeated external contact raises serious concerns regarding privacy and improper account handling practices.

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 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Subject : Complaint Regarding Fraudulent XXXX Transaction Request for Reimbursement Timeline of Incident XX/XX/year> : Paid {$1000.00} via XXXX to a XXXX seller who impersonated a legitimate seller. Payment was made under fraudulent misrepresentation and identity deception. Actions Taken Reported the incident immediately to : FTC Report # : XXXX XXXX Report # : XXXX XXXX Police Department Case # : XXXX Contacted Bank of America requesting a XXXX fraud investigation . Bank declined reimbursement, stating the transaction was authorized. Reason for Complaint The payment was induced by fraud ; authorization was obtained only because of deliberate deception. I reported the fraud promptly and provided documentation to authorities. XXXX is marketed as a secure platform, but the transaction demonstrates inadequate consumer safeguards. Request Reimbursement of the {$1000.00} fraudulent XXXX transaction. A full explanation of the investigation conducted by Bank of America. Information on safeguards and procedures used to prevent transfers to known scam accounts. Supporting Documents Available Screenshots of scam communication XXXX XXXX links XXXX transaction receipt Police report copy FTC & IC3 report confirmations I respectfully request that the CFPB direct Bank of America to conduct a proper investigation under Regulation E. and provide full reimbursement of the {$1000.00}.

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 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Complaint Against Company and Bank Refusal to Dispute On XX/XX/year>, I made XXXX debit card transactions totaling {$40000.00} for a bidding transaction through this company. The companys written policy clearly states that if an offer is not accepted, the funds will be refunded. My offer was not accepted. However, the company has failed to issue the promised refund. It has now been more than XXXX days, and the stated terms have not been honored. This constitutes misrepresentation and failure to provide services as promised. I have made multiple attempts to contact the company regarding this matter but have not received the refund or a satisfactory response. I also contacted my bank to dispute these transactions due to the companys failure to honor its refund policy and failure to provide services as promised. My bank refused to process the dispute and declined to investigate the matter. This situation involves non-delivery of promised services and failure to issue a contractually obligated refund. I am requesting regulatory assistance to ensure proper investigation and enforcement of my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Data Mortgage Inc.
State: GA

Complaint narrative:
I am currently under an active loss mitigation agreement with my mortgage servicer. In XX/XX/XXXX, the servicer initiated foreclosure proceedings while loss mitigation and loss draft credits were pending. That foreclosure was later halted after I disputed it. However, since entering loss mitigation, I have experienced repeated servicing barriers that prevented timely payment. Specifically : My online payment portal has been blocked due to loss mitigation status. I have repeatedly called the servicer and been placed on hold for excessive periods ( often over one hour ), including a full business day on Friday, XX/XX/XXXX, when my call disconnected. I have filed multiple complaints regarding the inability to make payments. My XXXX loss mitigation payment was due before XX/XX/XXXX. Because the online portal was blocked and phone access was unavailable, I mailed a money order on XX/XX/XXXX to ensure timely payment. During this same period, the servicer transferred my loan servicing to a new company. I received notice of transfer while still in active loss mitigation. The new servicer informed me they would not have full information until XXXX. This created the following issues : I was blocked from paying online. I was unable to reach the servicer by phone. I was transferred to a new servicer mid-loss mitigation. I was instructed to wait despite having a XX/XX/XXXX deadline. I was told overnight mailing would cost approximately {$100.00}, which I could not afford. I made good faith efforts to comply with my loss mitigation agreement and tendered payment within the required timeframe. Federal law provides protections in these circumstances : 12 C.F.R. 1024.41 ( Regulation X ) prohibits dual tracking and requires proper loss mitigation handling. 12 C.F.R. 1024.38 requires servicers to maintain policies and procedures to ensure timely and accurate information and payment processing. 12 C.F.R. 1024.33 governs servicing transfers and requires coordination to ensure continuity and accurate transfer of information. 15 U.S.C. 1638 ( f ) ( TILA ) and Regulation Z require clear servicing transfer notices and proper crediting of payments. 12 C.F.R. 1026.36 ( c ) ( 1 ) ( i ) requires prompt crediting of periodic payments as of the date received. The servicers actions have caused significant stress, confusion, and risk of wrongful default despite my timely efforts to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: AL

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 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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 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 - I.C. SYSTEM INC - 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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
Validation of Debt Request - RADIUSGLOBAL/AT T - 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 non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a bestbuy citi bank credit card. Recently my statement and online account management site indicated there had been a purchase on XX/XX/XXXX, with a promotional balance deferred interest until 2028. I did not make a purchase. The details of the purchase say it was a " Mortgage Payment '' charge. This is a bestbuy credit card, not possible to make a mortgage payment charge. The online system does not allow for disputing this and the online support refuses to help deal with the issue and forces a phone call to a support team that can not answer the question of what this is, how a store card has the ability to be used for a mortgage payment somehow, etc. This seems to indicate citibank is doing something fraudulent potentially on many peoples accounts and is trying to hide their practice. They are forcing a phone call only, not handling online, and are not providing XXXX compliant alternate forms of communication.

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 2026-03-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Shepherd Outsourcing, LLC
State: TX

Complaint narrative:
Received a voicemail from someone claiming to be a process server ( stating if he couldnt reach me at home he was required to reach me at work and get my manager and supervisor to witness me being served I have this in a voicemail. ) but when I returned the call it went to a call center where they claimed to be a mediator for the original creditor. I was repeatedly taunted by the individual on the phone telling me how broke he thought I was, called me brokey several times. Told me that my credit would be ruined, and then began mentioning vehicle makes and models we have had registered in our name at one time or another and saying this is going to be fun as if they were threatening to take the vehicles. Text received later shows it could either be Shepherd Outsourcing or XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/year> I called PNC Bank credit card dept about {$8.00} late fee and a {$3.00} interest charge on my account and i spike with XXXX XXXX who refused to remove it and i then asked to speak to a XXXX or to have e one call me. He told me hIe would not help l or have a manager call me. On XX/XX/year> I again called PN C Bank and spoke with XXXX and again asked for a manager to call me. Today. XX/XX/year> i called PNC Bank and spoke with XXXX and XXXX sted to speak to a Manager. He did not assist me but put my call back in the call pool for the next banker to handle.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-02 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: FL

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 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: TN

Complaint narrative:
I am reporting a severe regulatory failure and unauthorized electronic fund transfer ( EFT ) involving Wise ( Wise US Inc. ) and XXXX XXXX XXXX XXXX. On XX/XX/XXXX, an unauthorized charge of {$1100.00} was debited from my Wise business debit card ( Transaction # XXXX ). The merchant of record is listed as XXXX * XXXX XXXX. Legal Basis for Complaint against XXXX XXXX : I am not a borrower on mortgage loan # XXXX, nor have I ever authorized any payments to this company. XXXX XXXX 's official statement dated XX/XX/XXXX, proves they received these funds but applied {$0.00} to the mortgage account, confirming they are unlawfully withholding unapplied funds. When I attempted to resolve this, XXXX XXXX executives ( XXXX XXXX and XXXX XXXX ) refused to provide written explanations, claiming it was a 'third-party vendor ' issue. This conduct violates RESPA ( Regulation X ) for failing to respond to a Request for Information ( RFI ) and constitutes Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). Furthermore, XXXX XXXX is currently under a CFPB Consent Order ( XXXX ) for similar illegal payment practices. Legal Basis for Complaint against Wise : I promptly reported this unauthorized transaction to Wise. A Wise specialist named XXXX ' denied my claim, stating in writing : " this wouldn't fall under Regulation E. ' This is a direct violation of Regulation E ( 12 CFR 1005.6 ), which explicitly states that consumer negligence ( such as card security ) can not be used to deny a fraud claim or impose greater liability. Wise has failed its legal obligation to conduct a 'reasonable investigation ' and has refused to provide the mandatory provisional credit while I am deprived of my business operating capital.I have attached the evidence they have requested me several times and failed to ignore or investigate and called me by a different name proving they are using a script.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: IL

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