vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN

Complaint narrative:
On XX/XX/2026, I went to ACE Cash Express store # XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX to load {$870.00} in cash to my credit card. The receipt shows the transaction as " Bank Card - Load '' for {$870.00} with a {$4.00} fee. The deposit number on the receipt is XXXX. However, the receipt shows the card number ending in XXXX, which is NOT the card I swiped during the transaction. The money has not appeared on my credit card account. I have contacted the ACE Cash Express store and customer service multiple times to investigate the transaction and correct the issue, but I have not received any response or resolution. I believe the funds may have been loaded to the wrong card due to an error at the point of sale. I am requesting ACE Cash Express to trace the transaction using the deposit number and correct the load to my card or refund the {$870.00} amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
During the nighttime hours of XX/XX/year>, a fraudulent charge was made to my bank account {$1200.00}. When i woke up on friday i saw the charge as pending on my bank account. as soon as my bank opened i immediately called to report. the customer service rep reported my card as stole and advised that the charge was still pending, and i couldnt dispute until it posted to my account. i went to the branch and received a new card on the spot. activated and immediately locked the card. XX/XX/year> woke up to the charge posted to my account. i immediately called the bank, yet again. i disputed th charge and the customer service rep advised that this charge was clearly fraudulent ( as i received a confirmation email from the company for my purchase, which had my name incorrectly spelled, my mailing address in a different state, and the billing address in a different state. rep advised the money should be back in my account in a few days. on XX/XX/year> i decided to call the company. company at this time already flagged the order as fraudulent due to the billing information not matching the card that was attempted to be used for the purchase. they advised refund would be in the account in 1-3 business days. XX/XX/year> i did not receive any refund from the supposed merchant or a provisional credit from my bank. i called the bank at XXXX, following up on the credit. i was then transferred to a supervisor who escalated the dispute for the provisional credit. advised the money would be in my account by the end of the day. XXXX XXXX spoke to yet another customer service rep, who stated urgent provisional credits get reviewed within 24-48 hours. asked to speak to a supervisor ( at this point more than half of my paycheck was stolen from my and i am a single mother living paycheck to paycheck. being out this money has caused severe stress as i am out my grocery money and bill money for the week and my bank doesnt care ) after sitting on hold for ANOTHER 45 minutes another supposed supervisor states that the review could take up to 90 calendar days and they have the right to withhold the money for those 90 days. at no point in time did i receive any actual solid answer. every response i received was different than the list and guess what??? I STILL DONT HAVE MY MONEY : i work hard for my money and i put trust in my bank that things like this dont happen. they have the means to flag a {$29.00} potential fraudulent charge but just allow someone with a fake name ( somewhat similar to mine ) to funnel out {$1300.00}?????? and then they play XXXX and no one does a thing to fix it??? i am waiting on my taxes to be deposited to this account or else id close the account immediately. im going on day seven of this missing money. my bills are paid and i have an empty cabinet/fridge for my XXXX kids for the next six days and no one seems to be trying to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
XXXX XXXX stole XXXX $ from my chime account and Ive done everything theyve asked of me and their still not helping

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: Aargon Agency, Inc.
State: MN

Complaint narrative:
Validation of Debt Request - AARGON AGENCY INC XXXX XXXX XXXX XXXX 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 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 — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Ive received repeated attempts from TSI on behalf of XXXX XXXX to collect a debt totaling {$880.00}. I have no knowledge of this debt so I asked for an itemized receipt. I continued to receive documents with just my name and the total. Im unaware of this debt and have not had the chance to dispute it. Please provide via certified mail the document displaying my signature and an itemized bill. If not, please delete this collection from my credit report as soon as possible or I will have to take legal action.

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: MN

Complaint narrative:
Validation of Debt Request - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-03-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Description of Incident : " I am a XXXX member of Navy Federal Credit Union and a widow. On [ Date ], I deposited a {$100000.00} Cashiers Check issued by XXXX XXXX ( representing my late husband 's life insurance proceeds ) along with {$30000.00} from my savings into a Certificate of Deposit ( CD ). At the time of deposit, I was explicitly told by the representative that I would accrue interest on the entire {$130000.00} balance immediately. However, I discovered that NFCU is only paying interest on the {$30000.00} portion, delaying the interest accrual on the {$100000.00} Cashier 's Check for 5 business days. I am filing this complaint based on the following : 1. Regulation CC Violation : Under federal law, the first {$5500.00} ( or current threshold of {$6700.00} ) of a Cashier 's Check deposited in person must be available the next business day. NFCU has failed to provide this availability or interest accrual. 2. Deceptive Representation : I was verbally assured the full amount would earn interest immediately. As a widow relying on this interest for my daily living expenses, this delay causes significant financial hardship. 3. Low Risk : This was a guaranteed Cashier 's Check from a major national bank ( XXXX ), not a personal check. Holding these funds while they are already in the credit union 's " safe keeping '' within a CD is an abusive practice. Desired Resolution : I request that Navy Federal Credit Union back-date the interest accrual for the {$100000.00} portion to the original date of deposit so that I do not lose the daily dividends I am entitled to. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by Comenity Bank for a XXXX XXXX credit card account. The account on my credit report shows that the debt was charged off and purchased by another lender. However, Comenity Bank continues to report the account with incomplete and inconsistent information. The report lists the worst payment status as Unknown and does not provide a complete payment history. Under the Fair Credit Reporting Act, information reported to credit bureaus must be accurate and verifiable. I have disputed this account and requested verification of the payment history, the date of first delinquency, and proof that Comenity Bank still has the authority to report the account after it was sold. If Comenity Bank can not provide proper documentation verifying the accuracy of this reporting, I am requesting that the account be deleted from my credit report.

Company response to consumer: Closed with explanation
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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I reported fraudulent charges on my Capital One credit card approximately 4 months ago ( XX/XX/year> ). I contacted Capital One customer service immediately after discovering the unauthorized transactions and was told an investigation would take up to 90 days. However, during the investigation period, Capital One reported two late payments on my account to the credit bureaus. These late payments have significantly lowered my credit score. I did not authorize the fraudulent transactions and reported them promptly. Despite this, the account is currently being treated as if I made those purchases. I am requesting that Capital One : Complete the fraud investigation ; Remove responsibility for the fraudulent charges ; Remove the late payment reporting from my credit reports ; Correct any inaccurate information reported to the credit bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Central Research Inc
State: KS

Complaint narrative:
I am filing a complaint regarding unauthorized increases to my automatic student loan payments by my loan servicer, XXXX. My agreed-upon automatic payment amount was {$270.00} per month with My Great Lakes/Nel-Net that was then transferred over to XXXX. Beginning in XX/XX/XXXX, XXXX increased the amount withdrawn from my bank account to {$350.00} per month without any prior notification, explanation, or authorization from me to modify the payment amount. These higher withdrawals continued for multiple months. I did not receive any communication explaining the change until XX/XX/XXXX, when XXXX sent a letter stating that a recent review of my account identified that my payment tiers had been misidentified, which resulted in a miscalculation of my monthly payment amount. This situation is concerning because : XXXX changed the amount of my preauthorized automatic debit without notifying me in advance. Higher payments were withdrawn from my bank account for several months without my consent. XXXX only notified me after the error had already occurred and funds had been withdrawn. Preauthorized electronic withdrawals should not be modified without proper notice and borrower authorization. These actions XXXX raise compliance concerns under the Electronic Fund Transfer Act, which governs preauthorized electronic payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: NJ

Complaint narrative:
On XX/XX/XXXX at XXXX am I received a call from XXXX. My phone flagged it as spam but I answered anyway. The person on the phone said they were from Discover calling me about a past due payment. I explained that I just got a new job and would be paid in two weeks and she said we could schedule the payment for then. I agreed. She said we could do it for my due date on the XXXX. We got to the portion where she wanted to confirm my bank information and my phone alerted me again about the possibility of the call being spam. So I told her I'd call back and confirm the information. I immediately called the actual number for Discover that I had " XXXX '' I spoke to a gentleman who confirmed that the previous person I was talking to was with the company and he had my information pulled up already and asked if I wanted to continue with the payment. I said yes and confirmed my bank details with the gentleman. At XXXX I get an email that I had made a payment for today ( XX/XX/XXXX ). I called back and spoke to someone from the maintenance department and he said the call would be reviewed and if a reasonable person determined that I was at fault for the scheduling of the payment that I would still be charged and not compensated. They called me back today ( XX/XX/XXXX ) and somehow determined that I was at fault and now my bank account is- {$410.00} and I'm going to incur late fees until I get paid because they not only made a mistake but also made a bad determination.

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: National Credit Adjusters, LLC
State: GA

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: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I requested that the company review my account and remove the late fees that were assessed after the purchase balance had already been paid in full. The original purchase on the account was {$520.00}, which I paid off during the first billing cycle through two payments. One of the payments was recorded as being one day late, according to the associate on the phone, and a late fee was applied. Despite the balance being fully paid, the company continued to add additional late an interest fees to the account. I closed the account during that call but they continue to charge fees.

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 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eaton Group Attorneys LLC
State: LA

Complaint narrative:
I am filing a new complaint because my previous CFPB complaint was closed without resolving the issue, and I now have new evidence showing clear noncompliance. Attached is proof that the alleged account has been deleted by the credit bureau due to the furnishers failure to verify the debt during the FCRA investigation. Despite this deletion, Eaton Group Attorneys continues to claim they are pursuing legal action on an account they could not validate. In their prior CFPB response, Eaton stated that I did not upload all the validation they sent, which is false and misleading. I uploaded every document they provided. The credit bureaus deletion confirms that Eaton did not supply sufficient documentation to verify the debt, establish ownership, or substantiate the balance. Eatons continued collection efforts after failing verification raise serious concerns under the FCRA and FDCPA, including misrepresentation of the legal status of the debt and continued collection activity without proper validation. I am requesting CFPB oversight to ensure Eaton Group Attorneys immediately ceases all collection activity, updates its records to reflect the deletion, and is prevented from re-reporting or re-inserting this unverified account in violation of 15 U.S.C. 1681i ( a ) ( 5 ). I am also requesting that Eaton be required to provide full, legally compliant validation or discontinue collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
I woke up on the morning of XX/XX/year> and saw XXXX transactions on my bank account from a place called MoneyGram in XXXXXXXX XXXX ( I have never lived in Texas, I live in Florida ) The transactions were pending and they were approximately {$1400.00} each. I immediately called XXXX XXXX customer service. XXXX XXXX canceled my card and opened a claim to have these transactions investigated as fraud. XXXX out of the XXXX transactions were returned to my account and the transactions cancelled, but XXXX transactions remained pending. The next day, XX/XX/XXXX, the XXXX transactions were posted and no longer pending and XXXX XXXX could not do anything about it ; I had officially lost {$2900.00}. I did my own investigation and found that the thief opened an account on this MoneyGram website with my email and a phone number that does not belong to me. I also found that to open an account with this website you dont need anything other than just an email and they also do not send any verification emails to open an account. The suspect opened an account with my email, had my bank account information, and withdrew from my bank account using this MoneyGram financial services company. I called MoneyGram and they said there was nothing they could do since the account had already been closed by the suspect. I filed a police report XX/XX/XXXX and a report with FBI on XX/XX/XXXX. I find it disturbing that to open an account with MoneyGram an individual only needs an email address, and no emails are sent for verification. To create any online account there should be at least an email verification sent, let alone allowing someone to make XXXX transactions at once between different states. MoneyGram makes it easy to commit fraud and they should be held accountable. I have children and bills to pay, I can not afford to lose almost XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: MD

Complaint narrative:
I have a debt with XXXX, that I have repeatedly tried to dispute. Its the principal I have good credit but I refuse to pay a debt that is not mine. I have lived in a particular apartment and when I moved I tried to transfer my service but my new apartment XXXX was not eligible since that particular apartment never had it installed but yet they wan na charge for a service that was never rendered I have disputed this on so many occasions but I need help. The debt agency continues to take it off and put it on my credit which is not right

Company response to consumer: Closed with explanation
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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We went to XXXX for vacation last XXXX for XXXX week, while walking to on XXXX, we were stop by XXXX XXXX and offer us a ride to XXXXXXXX XXXX XXXX We use our card to pay but the driver said receipt not working, after we step out, the driver took off. Few minutes after, CHASE credit card notify us via text that there is unusual transaction if we authorized the transaction of XXXX dollars and immediately we reply NO and report it as a fraudulent transaction. They immediately stop it from us using it and said they will send us a new card on the mail. On same day XX/XX/year> we received an email coming from them that they already sent us replacement credit card on the mail while they research the fraud claim. Attached is the copy of the email we received coming from them on the day it happened XX/XX/year>. We did not see the transaction for 2 months on our statement which we taught everything went well. Now that its XXXX we saw the transaction went tru. We called chase back fraud claim on XX/XX/XXXX and they DENY the claim. The REASON : you received benefit from this transaction which. We ask to re-open the claim on XX/XX/XXXX and review it again. The findings : they CLOSED this fraud claim. It just sad that they want us responsible to pay for this scam that we did not even benefited from. It says on transaction. {$2900.00} merchant type ( DRY cleaners ) we dont need these amount to have a dry cleaning service in XXXX XXXX

Company response to consumer: Closed with non-monetary relief