vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NY

Complaint narrative:
I had a chime account & I was collecting unemployment benefits when the benefits arrived they froze the account and then closed it & told me they would stop all payments & issue a check for what was in the account its been a couple years later & still no check & now when I call to get updated they are telling me it wasnt anything in the account to issue a check but thats a lie

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Consumer Financial Services Solutions, Inc.
State: AZ

Complaint narrative:
I received a XXXX on XX/XX/XXXX. When I called Beyond I was told I had to contact the credit card company. I asked why it was never disclosed that I would have to pay back the cancelled debt. I never got an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under 616617, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under 616617, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action

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 2026-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I am disputing an inaccurate delinquency reported on my mortgage account : Account # : XXXX Your report shows a XXXX late payment for XX/XX/XXXX. This reporting is factually incorrect and impossible based on my documented payment terms. My account history is as follows : Approved forbearance : XX/XX/XXXX XX/XX/XXXX ( payments suspended ) Repayment plan approved : XX/XX/XXXX First re-payment due BY : XX/XX/XXXX Because no payment was due in XX/XX/XXXX, the account could not be delinquent. Reporting a XXXX late status during a period with no payment obligation is inaccurate.

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 2026-04-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
contacted Waypoint Collections on XX/XX/XXXX, to formally dispute the debt under the FDCPA and the California Rosenthal Act. provided the collection agency with a Sixty-Day Notice from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXtatements proving residency ( during the timeframe in question ) Request for Closure : Although the agency agreed to cease collection activity and mark the account as " disputed '' on XX/XX/XXXX, they have not yet provided a formal Letter of Exoneration or confirmed the debt is voided. Identity & Billing Error : debt is associated with a residence where i did not reside during the billing period of XX/XX/XXXX. Service Transfer : officially transferred or closed your services on XX/XX/XXXX, when i moved to a new location.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: LA

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I am filing this complaint against Midland Credit Management ( MCM ) for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Within 30 days of receiving MCM 's initial collection notice, I submitted a written debt validation request asking MCM to provide the original debt validation letter, including proof of the original creditor, the account history, and verification that MCM has the legal right to collect on this debt. To date, MCM has failed to provide any of the requested validation documentation. Despite my outstanding validation request, MCM has continued to send repeated collection letters threatening legal action. I have received multiple back-to-back written notices warning of potential lawsuits, which I believe constitute harassment and are being used as intimidation tactics in violation of FDCPA Section 809 ( b ), which requires collection activity to cease until proper validation is provided. I am requesting that the CFPB investigate MCM 's failure to respond to my debt validation request and their continued threatening correspondence. I am seeking confirmation that this debt is valid and legally collectible, and that MCM immediately cease all threatening communications until proper validation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express froze/restricted my highyield savings account and blocked outgoing transfers due to a requirement to verify linked external accounts. American Express requires four months of bank statements to complete verification ; however, the external accounts in question had only been open for approximately two months, making it impossible to meet this requirement. American Express indicated that my only options were to either provide four months of statements ( which do not exist ) or recall the deposited funds. As a result, my funds have remained inaccessible with no viable resolution available. My account has been restricted since XX/XX/XXXX, and as of XX/XX/XXXX, I have still not been given access to my money. I believe this is an unreasonable restriction, as the verification requirement is impossible to satisfy based on the account history, and American Express has failed to provide an alternative method to verify the accounts or release my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
My external bank account is stuck in a falsely linked state with no verification step, preventing transfers. This appears to be a cached or corrupted XXXX XXXX XXXXhat Chime support has been unable to clear. I need the external account connection fully reset on their backend so I can relink it properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained tiefficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I have to include a cut and paste but this is the tip of the iceberg. I will gladly send the additional information upon request. XXXX. I tried to login to pay my bill XXXX. Could not do so and called Customer Support XXXX. I was transferred at lease 4 times XXXX was told I have an additional account with XXXX balance. XXXX, I told the associate I did not. She argued that I did and she could see where I applied. I did not. I have XXXX card. She insisted this was the reason I could not fix my password. XXXX. She transferred my to another associate who confirmed her information. XXXX. I was transferred again to someone " who would be able to help me ''. ALL I want to do is have someone fix my password, not send me an email that does not address the issue. Then, I would like to login and pay my bill. I would like to have the late charges removed as it was not possible to pay them until I could create a password.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
I am filing a complaint against Credit Acceptance Corporation regarding a disputed account and their refusal to provide verification of the alleged debt. I previously submitted a written request seeking validation and documentation of this account. In response, Credit Acceptance stated that they are not required to validate the debt because they are not a third-party debt collector. However, this response fails to address their obligations under the Fair Credit Reporting Act ( FCRA ). If Credit Acceptance is furnishing this account to any credit reporting agency, they are legally required to ensure the information is accurate, verifiable, and properly investigated upon dispute. To date, Credit Acceptance has failed to provide any documentation supporting : The existence of a valid contract bearing my signature A complete and accurate accounting of the alleged balance Proof of their legal right to collect the debt Their refusal to provide verification while continuing to report or attempt to collect this debt raises serious concerns about the accuracy and legality of their reporting practices. I am requesting : A full investigation of this account under the FCRA Immediate deletion of this account from all credit reporting agencies if it can not be properly verified All supporting documentation related to this alleged debt Please investigate this matter and ensure compliance with federal and state consumer protection laws. They also continued to try to collect the debt while being disputed.

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 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I formally dispute the companys response and request that this complaint remain unresolved. The companys response fails to provide sufficient documentary support for its denial of the identity theft claims related to accounts ending in XXXX and XXXX. I have also received written correspondence from XXXX XXXX XXXX confirming that its investigation relies on information supplied by the reporting financial institution and that Early Warning does not maintain account-level documentation. Therefore, the negative reporting remains based solely on the reporting institutions internal conclusion rather than independently verifiable documentary evidence. The fact that my XXXX XXXX and United States XXXX information XXXX have been used does not establish that I personally opened, authorized, or benefited from these accounts. Unauthorized use of valid identification documents is entirely consistent with identity theft and account fraud. At this time, I am formally requesting the following corrective actions : XXXX. XXXX deletion of all negative reporting associated with the disputed accounts from XXXX XXXX XXXX XXXX and any other consumer reporting systems. XXXX. XXXX removal of all internal XXXX risk, fraud, closure, abuse, and do-not-bank restrictions associated with my consumer profile. XXXX. A full executive-level reinvestigation supported by documentary evidence, including but not limited to : - original account applications - signature cards - branch opening records - IP address and device access logs - copies of identification documents allegedly used - transaction origin records- any surveillance footage if the accounts were opened in person XXXX. Written confirmation that all internal restrictions have been removed and that I am eligible to reestablish a banking relationship with XXXX. My requested resolution is the complete removal of all negative records and the full restoration of my eligibility to open new accounts with XXXX. I respectfully request immediate corrective action and written confirmation through the CFPB portal.

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 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: WI

Complaint narrative:
My XX/XX/XXXX US Bank Credit Card statement indicated that a {$1.00} payment was due XX/XX/XXXX. By human error, because it was XXXX small purchase, I didnt realize that I had missed the payment and paid it on XX/XX/XXXX and believe I used their automated system to fix the late charge in that amount because I have paid my bills in full for years with them and had never missed a payment previously. I saw a charge for {$3.00} on XX/XX/XXXX and paid that as well as the {$1.00} for a total payment of {$4.00} and with the {$1.00} reversal by the system, it caused my bill to actually have a credit balance. Also, when I made that payment, I wasnt aware that making a payment right away to avoid a repeat late payment, I was making that too early, within the closing date of the last statement. While I made additional small purchases from mid XXXX to XXXX XXXX, their system was telling me no minimum payment was due causing me to think I was paid up, so was surprised to find that I had a XXXX statement for a late charge in the amount of {$5.00} for a payment I had already made, but because they were made within the closing date of the last months cycle were applied to that month in an overpayment rather than applied to current purchases. Ive had customer service representatives who could see and understand the situation but supervisors would not care or listen and promised phone calls to me were never received.

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 2026-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am disputing the authority of National Credit Systems Inc to collect or report this alleged debt. National Credit Systems Inc has provided a copy of a lease agreement and a final account ledger from the original creditor, XXXX XXXX XXXX XXXX. However, they have never provided any documentation demonstrating that they are legally authorized to collect this alleged debt on behalf of the original creditor. I specifically requested documentation showing assignment or authorization, but the company has failed to provide any document demonstrating transfer of collection authority. A lease agreement only establishes a contractual relationship between myself and the original creditor. It does not establish the legal authority of a third-party debt collector. I am requesting the company provide documentation demonstrating their legal authority to collect this alleged debt, including written authorization from XXXX XXXX XXXX XXXX granting National Credit Systems Inc authority to collect on its behalf. Such documentation typically includes, but is not limited to : Placement Agreement Servicing Agreement Assignment Agreement Collection Authorization Agreement Power of Attorney authorizing collection XXXX XXXX XXXX or transfer document ( if ownership was transferred ) Chain of assignment identifying the transfer of collection rights Any agreement between XXXX XXXX XXXX XXXX and National Credit Systems Inc establishing authority to collect this account Because National Credit Systems Inc is reporting this account to consumer reporting agencies, they must be able to demonstrate they have authorization and permissible purpose to collect and report this account. If the company can not provide documentation showing assignment or authorization, the account should be removed from my consumer report as unverifiable. Additionally, deletion alone will not remedy the statutory harm caused by the continued reporting of an unverified account without demonstrating proper authority to collect. I reserve the right to pursue all available remedies for statutory damages and any other relief available under federal and state law. This request is made pursuant to my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Kikoff Inc.
State: OH

Complaint narrative:
I am filing this complaint against Kikoff for deceptive fee-harvesting practices and violations of 12 CFR 1026.52 ( a ) ( The CARD Acts 25 % Fee-Harvester Cap ) and UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ). Kikoff markets a " {$750.00} Credit Account ' to consumers, which is reported to the major credit bureaus as an open tradeline. However, this 'credit ' is deceptive : it is restricted solely to the purchase of internal Kikoff digital products and can not be used for any real-world consumer transactions. The Violations : Mandatory Fees Disguised as Purchases : I have been charged a recurring {$5.00} 'purchase ' fee every month for the last 10 months ( Totaling {$50.00} to date ). Kikoff labels these as 'purchases, ' but their own statements confirm these are mandatory payments to maintain the account reporting. XXXX Violations : Because this {$5.00} fee is a mandatory condition of the account, it constitutes a finance charge. For a {$750.00} limit, a {$60.00} annual cost is high, but the deceptive nature is that the 'credit ' provided has XXXX utility outside of paying Kikoffs own fees. Deceptive Reporting : Kikoff reports this as a 'Charge Account ' with 0 % interest, but the effective 'interest ' I am paying for this servicemerely to have a number reported to a bureauis a 100 % loss of the $ 5 monthly fee.Evidence of Deception : My XX/XX/year> statement explicitly labels a " {$5.00} Payment Due " to build 'positive payment history. ' This proves the fee is not a voluntary retail purchase, but a mandatory fee required to keep the tradeline active. According to XXXX XXXX, the account is reported as a XXXX Account, ' yet I am prevented from using it as a standard charge instrument. Desired Resolution : I am requesting a full refund of all {$5.00} XXXX Account XXXX payments made over the last 10 months ( {$50.00} total ) and a permanent waiver of all future fees while maintaining the {$750.00} reporting to preserve my credit age. Kikoff should not be permitted to 'rent ' a credit score to students and low-income consumers through mandatory monthly fees disguised as retail transactions. ''

Company response to consumer: Closed with explanation