vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CCM Finance LLC
State: AL

Complaint narrative:
This is an aggressive follow-up to my complaint regarding the repossession of my vehicle. I have not received a meaningful response or any serious effort to address or resolve this matter. This lack of action is unacceptable. The repossession is formally disputed due to improper notice and failure to comply with required legal procedures. Your continued delay and inadequate response raise serious concerns about compliance and good faith handling of this matter. I am demanding an immediate and thorough response explaining the basis for the repossession and the actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: PA

Complaint narrative:
I had XXXX transactions that went to my chime account all charges were XXXX same amount from XXXX XXXX on XX/XX/XXXX this happened and then XX/XX/XXXX same thing happened with XXXX and XXXX amounts. I have provided evidence showing that these are not my charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I deposited a check at chase bank in our buisness account, the check said it would be ready an available for use XX/XX/26 then the day of it being ready I checked an they switched the dates to XX/XX/XXXX. So I called chase the first time, the first rep told me in XXXX minutes log back in an my issues would be sorted out. I waited two hours checked a noting was changed I called back again the next person told me they couldnt help me an hung up on me. I made an executive office inquiry a still havent had my cased assigned or any help at all with the situation. The teller at the bank told me XX/XX/26 funds would be available then now everyone it telling me a different date. This is form of bait a switch a this type of thing is happening all the time. The CFPB needs to put banks in there place an make the realize they are not in control over someone else its our money and we need credible honest banks which is not happening, these banks hold our money for way longer than they should. So if I as a business have to wait a month an be paid late well now I have to fight with the bank on when I can use the money we take in. They keep giving me run around answers so they can tie up our money most likely trade it make a capital gain on it before sending it to us an this whole system is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: AZ

Complaint narrative:
My account was closed and even after proving I am the account owner access has still been restricted

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I opened a personal and business account with Truist Bank. They closed the accounts on different occasions and also deemed them as fraudulent. I asked for paper work explaining the reason and was never provided. I waited for correspondence through email and postal as promised. I felt like I was treated like a criminal at the XXXX XXXX and I had never had an account prior. The branch manager said I did and was trying not to relinquish the initial deposit.

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 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This debt is over XXXX XXXX XXXX and previously removed. The collector is falsely reporting a XXXX payment. I havent touched this account purposely because I didnt have the money and was waiting for it to fall off my credit score. It finally did and now its back on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: MO

Complaint narrative:
I filled out an XXXX XXXX XXXX application XXXX times. I do not receive regular communications regarding the payments I have made or the applications I have completed. For the last XXXX years I have been making payments assuming they were going to XXXX XXXX XXXX XXXX and was told yesterday that these payments have been going towards the interest on my loans. The lack of communication from Ed Financial Services and XXXX XXXX. gov is making it difficult for me to repay my loans. A letter I received from Ed Financial Services dated XX/XX/year> stated, " If you made or make a payment for the month ( XXXX ) you are in the forbearance, the amounts paid will go toward satisfying your future payment ( XXXX ). '' I was told yesterday that these payments will go towards the interest on my student loans. Every time I call XXXX XXXX or Ed Financial Services I get a different story. I need to know that the payments I made while in forbearance will go towards future payments of my loans. I also need to know why the first XXXX XXXX applications I filled out and received letters stating that my applications were being processed were never followed up on by either Ed Financial Services or XXXX XXXX. I have made XXXX payments, I have the bank records to prove this, however, I am being told that I still need to make more payments because the payments the last XXXX years were made in a manner i was not made aware of by Student aid.gov or Ed Financial Services. Due to the lack of communication or following the procedures that I have been informed of in writing is making it extremely difficult to repay the loans I have borrowed for school. XXXX Department of Education has been cashing the checks, however, XXXX of the remaining payments I have made did not go towards the XXXX payments I was told to pay to qualify for the XXXX XXXX XXXX XXXX XXXX. I do not have any receipts for the last XXXX payments I have made from XXXX Aid.gove or ed financial Services. I only have receipts from my bank stating that the checks were cashed by the XXXX Department of Education. Someone needs to get this straight with federal loan borrowers so the money can be repaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Bank of America regarding its failure to respond to a dispute associated with my business account. Account Holder : XXXX XXXX Email : XXXX Phone : XXXX Claim Number : XXXX I submitted a dispute to Bank of America concerning unauthorized and/or improper transactions and fully complied with all requested documentation. Despite this, the bank has failed to provide any substantive response within a reasonable timeframe. While this matter involves a business account and may fall outside strict Regulation E protections, the banks complete lack of responsiveness raises serious concerns regarding unfair, deceptive, or abusive practices, as well as failure to adhere to expected standards of financial institution conduct. Bank of Americas inaction has caused financial disruption and operational uncertainty. I am requesting that the CFPB facilitate a formal review and require the bank to provide : - A documented explanation for the delay - Confirmation of an active investigation - A prompt resolution of the dispute Thank you for your assistance in ensuring accountability. Sincerely, XXXX XXXX

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 2026-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
I had a Destiny credit card ( XXXX ) for XXXX years to help rebuild my credit. It was for the bulk of that time a yearly fee but my credit improved and then they started charging not only a yearly fee but added a monthly fee. In XXXX I requested they close my account and refund me the yearly fee as a check for the next year which had already been charged. The closed the account and did refund the amount but to the closed account. I sent a new letter in XX/XX/year> asking again for a check to be issued, no response. XXXX I sent an email to customer service stating again the check wanted for the credit, no response. As of today XX/XX/year> they have wiped that account clean and zeroed it out without issuing me the requested check. In addition to that they have flipped another account to the same yearly and monthly fees which again I will need to close because I have no need to be paying for a card now that my credit is up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
I currently use a debt consolidation service for settling my credit debt, and I have received XXXX emails from different addresses stating there have been payments made bringing my accounts current. XXXX on XX/XX/year> and XXXX on XX/XX/year>, both with the same information, these XXXX credit cards are included with my debt consolidation.

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 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/year> around XXXX I noticed that my XXXX checking account was overdrawn by approximately {$4400.00}. When I checked it said there was a {$8800.00} withdraw made from iit Citi bank. I called td and they mentioned that it was not fraud because I do have an account with Citi and I should reach out to them. However I only have XXXX credit card accounts with Citi and saw there were no additional payments made outside of the ones I make weekly. Spoke to Citi chat and they said they didn't notice anything either. After looking further into my account they said a checking account was made this same day in which I did not make. I logged back into my mobile app and saw in that checking account that a ach payment of {$8800.00} was deposited into it, which was withdrawn from my outside checking account with XXXX bank. That amount was not available in my account so how it went through I'm not sure. After talking to Citi further they closed the checking account and appeared to stop the pending payment of {$8800.00} in that account. Now XX/XX/year> the money is still not returned to my account and I am sitting with a withdraw overdraft. Citi informed me that their fraud department would reach out to me via phone or email to discuss further

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 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I believe it would be best to reopen this as I found that the website is shutting down in Illinois due to illegal activities and initially Bank of America denied my claim. What happened : I reported unauthorized transactions on my Bank of America [ XXXX ] account from a range of dates. Bank of America did not provide a decision until XX/XX/scrub> 2025, which was more than XXXX business days later. Under Regulation XXXX ( XXXX XXXX XXXX ) [ for debit/checking ] ( or Regulation XXXX for credit cards ), a financial institution must either complete the investigation within XXXX business days or issue provisional credit while continuing the investigation. Bank of America denied my claim citing the span of occurrences but provided this denial only after the XXXXbusiness-day period had expired, without issuing provisional credit. This appears to violate the regulatory timelines and consumer protections that apply to unauthorized electronic transactions. Supporting details : Date I reported fraud : XX/XX/scrub> 2025 Date of denial letter/communication : Still have not received besides it saying completed in the online portal Claim number : XXXX Amount of disputed transactions : {$8300.00}

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 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I have received recent letters from Portfolio Recovery Associates LLC, on a business transaction they did for they business interests. Based on the following FCRA codes they have violated my rights. Per FCRA and according to 15 US Code 1692 G, you have violated my rights by in-lawful communications. Please remove this collection off my credit report. Also, According to FCRA Section 605 B, it is illegal to report inaccurate information, including information without my permission, or information that is known to be misleading, to a credit reporting agency. Please have this removed from my credit report and have a cease and desist from Portfolio Recovery Associates LLC aka PRA LLC. I also never signed any contracts or legal documents with PRA LLC or have done business with them either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Telerecovery Corporation
State: LA

Complaint narrative:
I am filing a complaint regarding a medical collection account reported by XXXX XXXX of Louisiana for {$3000.00}. This account is inaccurate and has not been properly validated. I had active insurance coverage at the time of service, and I believe this balance is the result of improper billing or failure to process insurance correctly. I have requested validation of this debt, including an itemized bill, proof of insurance billing, and verification of the original provider. To date, this information has not been properly provided. Despite this, the account continues to be reported on my credit file, which is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting the following : ImmediatXXXX removal of this account from my credit report Full validation of the alleged debt Documentation showing that insurance was properly billed If this matter is not resolved, I am prepared to pursue further legal action for reporting inaccurate and unverified medical debt. I expect a prompt resolution within the required timeframe. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
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 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 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
} I am filing a complaint against Credence Resource Management for deceptive practices and inaccurate credit reporting. On XX/XX/year>, I spoke with a representative from Credence Resource Management regarding a collection account. During this call, I was told that if I paid {$270.00}, the account would be settled in full and that no further action would be taken. Based on this representation, I made a payment of {$270.00} on XX/XX/year>. Despite this agreement, the company reported the account to Experian on or about XX/XX/year>. This directly contradicts what I was told prior to making the payment. I have proof of payment and a recorded conversation confirming the terms of this agreement. I would not have made this payment had I known the account would still be reported. This constitutes a deceptive practice and inaccurate reporting. This behavior appears to violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting the following resolution : Immediate deletion of this account from all credit reporting agencies Correction of any inaccurate reporting Written confirmation that the account will no longer be reported If this matter is not resolved, I am prepared to pursue further legal action. I have documentation to support my claim and am willing to provide it upon request

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC

Complaint narrative:
Gemini Trust Company , LLC ( NMLS # XXXX ) and Gemini XXXX, XXXX ( NMLS # XXXX ), as identified in the application ( Copyright 2025 Gemini XXXX XXXX, XXXX or its affiliates ), are the entities associated with my account and the entities that are preventing me from withdrawing or transferring my funds. I am a resident of XXXX, and my local bank has advised that it can not assist in recovering the funds as the transactions were authorized by me, but I had no idea that I wont be able to use my funds. Between XX/XX/XXXX and XX/XX/XXXX, I purchased approximately {$4400.00} worth of cryptocurrency through Gemini after being unable to use other platforms from XXXX. Gemini charged {$210.00} in fees on this amount. After funding my account, I attempted to withdraw funds as a precaution. I was instructed to initiate a bank transfer first, which I did. However, when I later requested a withdrawal, the platform did not request my banking details, charged a {$25.00} fee, and the transfer ultimately failed. The fee was not refunded. I then attempted to transfer my cryptocurrency to another platform but was required to complete multiple verification steps, all of which I successfully completed. Despite this, all withdrawal and transfer attempts continue to fail without explanation. I contacted customer support multiple times and provided all requested documentation, including identity verification. I received XXXX response stating the issue was under review, but no further updates. I have continued to follow up from XX/XX/XXXX through yesterday without receiving a resolution. As of now, I am unable to access or withdraw my funds, and no clear reason or timeline for resolution has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 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: FL

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation