vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: FMA Alliance, Ltd.
State: MO

Complaint narrative:
XXXX has contacted me multiple times regarding different loan resolution amounts, including trying to have me do my tax return through them so they could recieve the proceeds. Multiple emails will be recieved on the same day, and both emails will seek to resolve the same loan with different amounts. Additionally, links that I have been sent have been dead or have redirected to phishing or scam sites attempting to steal my information. 

XXXX has contacted my family members and disclosed my debt illegally. They have attempted to contact my employer but were not able to do so. 

The originator of the loan has requested the loan be turned over to them by XXXX. Upon informing XXXX of this, they continued to send me fraudulent resolution emails. I also am being engaged with formatted messages intended to intimidate me into paying up as quickly as possible. Attempts to work through hardship have been entirely ignored. I have been given false login information as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: AL

Complaint narrative:
I was notified by Chime that my account would be subject to closure unless a qualifying deposit was made within 90 days. However, approximately 10 days later, Chime closed the account for low balance, despite the 90-day notice period not having elapsed.

At the time of closure, I had already designated this account as the direct deposit destination for my federal tax refund ONLY for the purpose of saving this account.

I contacted Chime Member Support to address this issue. XX/XX/year> @ XXXXCST AND SPOKE WITH XXXX XXXX my call with Chime : The representative initially stated that my account did not exist.

After I referenced consumer protection obligations and requested clarification, the representative then acknowledged that the account did exist and had been closed.

The representative stated the closure was due to low balance, but could not explain why the account was closed after only 10 days despite a 90-day notice.

I was told there was nothing Chime could do and was advised to contact the IRS.

This advice was not reasonable or accurate. IRS policy does not allow taxpayers to change direct deposit information once a refund is pending. The only available option is to wait for the deposit to be rejected and then receive a paper check, which can add several additional weeks or months to the refund process.

Chimes premature account closure, contradictory explanations, and failure to honor the stated 90-day notice have directly interfered with my ability to receive a government payment in a timely manner and have caused financial harm and delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: IN

Complaint narrative:
Discovercard/XXXX XXXX  : XX/XX/year> my statement closed with a balance of {$9300.00} with a payment due date of XX/XX/year>. 

I prefer to not carry a large balance through the month so on XX/XX/year> I manually submitted an electronic payment of {$6000.00} which was processed. 

The payment due on XX/XX/year> should therefore have been {$3300.00}. I have paid down in the past to have a reduced payment had no reason to expect otherwise. However, my checking account was debited the full amount of {$9300.00} which caused my checking account to be overdrafted by {$2000.00}. 

I immediately contacted Discovercard/XXXX XXXX which took approximately 4 hours and at 6 different representatives who finally acknowledged ( finally spoke to Senior Account Representative ) that this should not have happened, they will reimburse overdraft fees and that a credit of {$6000.00} will be posted to my checking account but it will take 5 to 7 business days which is totally unacceptable. 

We immediately incurred an overdraft fee of {$35.00} which caused us to sell {$3000.00} in securities and deposit the cash approximately 48 hours later to stop the bleeding. 

A subsequent phone call to Discover/XXXX XXXX the day of the deposit the representative told me they will not reimburse overdraft fees and suggested that I should cancel my autopay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing a complaint regarding Navy Federal Credit Unions handling of a billing dispute for a charge made through XXXX XXXXy using my Navy Federal debit card. 

The charge was for an XXXX transaction of XXXX XXXX on XX/XX/year>. I attempted to dispute this charge after the service was not provided as expected under XXXX Guest Refund Policy. Despite my attempts to resolve this directly with XXXX, Navy Federal informed me that I no longer have dispute rights and declined to investigate the transaction further. 

I believe Navy Federal did not comply with my rights under Regulation E ( Electronic Fund Transfer Act ), which requires banks to investigate unauthorized or erroneous debit card transactions and provide the consumer with written results. I was not given documentation explaining how their determination was made, nor was my dispute properly reviewed. 

I am requesting : 1. A full written explanation of how Navy Federal investigated this dispute.

2. Copies of all documentation relied upon in denying the claim.

3. Clarification on why I was told I no longer have dispute rights.

4. A re-evaluation of the dispute under Regulation E. 

The charge was made through XXXX XXXX, but my dispute concerns my Navy Federal XXXX XXXX, which is the funding source. I am seeking a fair review in accordance with federal consumer protection regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bilt Technologies, Inc.
State: NY

Complaint narrative:
I applied for the bilt XXXX XXXX XXXX XXXX on XX/XX/year> and wa snot given a reaosn why i was declined and i wanted to re apply for the XXXX XXXX  but am not allowed to reapply.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: MN

Complaint narrative:
A collection account from Credit Control LLC is being reported on my XXXX and XXXX credit reports related to an alleged XXXX account. 

I dispute Credit Control LLCs authority to collect and report this account. The account is being furnished to consumer reporting agencies without proper verification, documentation of ownership, or proof of assignment from the original creditor. 

I contacted both Credit Control LLC and the original creditor, XXXX, in an attempt to resolve this matter. Credit Control LLC was unable to provide written confirmation of deletion, proof of legal ownership of the debt, or documentation demonstrating their authority to report this account, yet the negative reporting continues. 

As a result, inaccurate and unverified information is being reported on my credit reports. I believe Credit Control LLC has failed to conduct a reasonable investigation and has not substantiated the accuracy or legitimacy of this account as required under the Fair Credit Reporting Act. 

I am requesting that Credit Control LLC either provide proper documentation validating their authority to report this account or remove the account from my Experian and Equifax credit reports.

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 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have a collection on my credit when I check on my Credit report. This collection is by Midland Credit Management XXXX showing a reported balance of {$1300.00}. The overview of the account is shown as opened on XX/XX/XXXX. 2025. The account status is now Closed. I am not one bit familiar with opening any account around that time frame and this is therefore unknown and fraudulent. I have disputed this 2-3 times. I need this removed and the company has not took any action to do so as I have reported it as Unknown multiple times. I am extremely disappointed as this collection is stopping me from applying my credit towards a car I want to purchase. I am a college student and this is extremely important for me to remove in order to get my car. Please help me resolve this issue. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
This is about an XXXX that is offered by synchrony Bank. They made an offer on a purchase from XXXX for XXXX months no interest. I generally pay my account off each month. All they offered was either a minimum payment or deciding on your own, what youre going to pay. It shows on my statement that I have XXXX  months no interest, but I was informed by Synchrony that I need to call them each month to tell them how I want my payment applied. This is ridiculous, time consuming, and a terrible way to conduct business.

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 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am disputing a collection account reported by LVNV Funding LLC that does not belong to me. I did not open the original account, did not authorize any credit with the original creditor, and did not receive any goods or services related to this debt. 

I disputed this account with the credit reporting agency as not mine. Despite this, the account continues to be reported without LVNV Funding LLC providing proof that I am the responsible party. I have not been provided with a copy of an original signed agreement, proof of identity verification, or documentation showing that LVNV Funding LLC has verified that I am the correct consumer. 

Reporting a collection account that does not belong to me is inaccurate and harmful. I believe this violates the Fair Credit Reporting Act ( FCRA ), which requires furnishers to ensure accuracy and to conduct a reasonable investigation when a consumer disputes an account. 

I am requesting that LVNV Funding LLC either provide proper documentation proving I am responsible for this debt or remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 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: DISCOVER BANK
State: CA

Complaint narrative:
I sent Discover Card a letter via certified mail on XX/XX/XXXX. I followed up with them via chat feature from the application. I have been a customer with them for over ten years and before my financial hardship I have never had a late or missed payment. The rep refused to consider my account history and told me that there were no offers for financial hardship even though i explained how these were caused by medical issues, that i am willing to pay what i can afford and i want to keep my account in good standing. Because i was not able to make the larger payment that i repeatedly told the rep and supervisor i can not afford at this time, they said they will report my account as delinquent and said maybe i cant check back next month to see if there was an offer. I expressed my disappointment and that I could pay 20 , as I had previously tried to make a payment before the due date, lower than the amount due, but in good faith to show I am trying. I can not afford the XXXX $ payment by next week, I'm just really underwater right now and need to prioritize my rent and food payments. This was just overall hurtful and unfortunate given how long i've held an account and how I am trying to stay ahead of things outside of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

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 2026-02-04 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This complaint is a follow-up to CFPB complaint # XXXX, which was closed without addressing key inconsistencies in Chase Banks fraud determination . 

Chase Bank approved part of my fraud claim involving unauthorized ACH transactions on my checking account, while denying another portion of the same claim. The denied transactions occurred under the same circumstances and time period as the approved fraudulent transactions.

Chases stated reason for denial was that the merchant provided documentation showing the ACH payment details were associated with my name, date of birth, and email address. This does not constitute proof of authorization under the Electronic Fund Transfer Act ( Regulation E ).

ACH transactions can be initiated fraudulently using compromised personal identifying information. The use or matching of my personal data does not demonstrate that I authorized the transactions. I did not provide authorization, did not receive the goods or services, and did not benefit from the transactions.

Chase has failed to explain how certain ACH transactions were determined to be fraudulent and reimbursed, while other ACH transactionsinitiated in the same mannerwere deemed authorized without evidence that I affirmatively approved them. Chase has not provided a signed authorization, recorded authorization, or evidence of authentication demonstrating my consent.

I dispute Chases determination and request that Chase be required to provide concrete evidence of authorization as required under Regulation E, or reverse the denial and reimburse the remaining unauthorized ACH transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
Credence RM is falsely reporting on my credit. I have never had any accounts with them. Per my research Credence RM 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 non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: NE

Complaint narrative:
The date was today XX/XX/year> I was simply calling because I was not able to view my virtual card on the Credit Karma app I spoke with XXXX different agents neither XXXX of them can help me they just said that they didn't know why and for me to continue to log on and try I asked him how does that resolve the issue and why is the issue even occurring they did not have an answer the answer they give me was I'm sorry for this confusion but that's all the answers we have for you every agent said the same thing like they were XXXX  generated I'm completely and literally appalled by this I can not explain the anger I have with Credit Karma because I can not have access to my money I file my taxes with them and I got them deposited into this account last year I didn't have a problem now all of a sudden I have a problem and I need access to my money it is the most horrible customer service experience I've ever had in my entire life this needs to be resolved they can not just keep anyone 's money this is our money people we need access to our money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
CBE GROUP is falsely reporting on my credit. I have never had any accounts with them. Per my research CBE GROUP 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 non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
This information is unverifiable as I have never received notice on this debt. Please verify addresses on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I leased a XXXX XXXX XXXX XXXX Loan Number XXXX XXXX XXXXXXXX XXXX  The Above car was repurchased by XXXX as a XXXX  XXXX was given a payoff of {$34000.00}. I understood the payoff to be good through mid XX/XX/XXXX. 
I was not provided a copy of the letter, but checking on the app, it was about right as XXXX does pay sale tax on their purchase. 
I'm told XXXX paid the lease off and purchased the car on or about XX/XX/XXXX. 

Due to the time it took XXXX to process the paperwork, they requested that I make the XX/XX/XXXX payment and assured me that it would be refunded to me once XXXX paid the lease off and purchased the car. 

I made the payment on or about XX/XX/XXXX. 

Since XXXX made there payment : Chase has not provided a payoff statement after the payment Chase has not provided a final bill. 
I've requested, but have not received a payment history due to the lease end, XXXX has denied me access to my account on the Web and their app. 
Chase appears may have sent my overpayment inappropriately to XXXX, not me. 

Chase refuses to provide how the over payment was computed, I believe its more than {$150.00}. short.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mandarich Law Group, LLP
State: MO

Complaint narrative:
In XXXX, I was fraudulently induced into making transactions on a XXXX XXXX account as part of an online job scam. I was told the charges were for work equipment and would be reimbursed, but no legitimate goods or services were provided and I lost approximately {$500.00} of my own funds. I disputed the fraudulent charges with the original creditor and later requested debt validation from XXXX XXXX XXXX. On or about XX/XX/XXXX, the collector responded only with billing statements listing transactions and balances. The response did not address the fraud/scam dispute, did not provide proof of authorization or enforceability, and did not demonstrate a reasonable investigation. Despite this, the account continues to be pursued and reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo accepted full payoff of my mortgage loan on XX/XX/year> and issued written confirmation stating that a Satisfaction/Release of Deed of Trust XXXX XXXX sent to XXXX XXXX XXXX XXXX days. This was never done. 

The loan was scheduled to transfer servicing shortly thereafter, but Wells Fargo was the lienholder of record at the time payoff was received and remains responsible for recording the lien release. 

XXXX XXXX has no record of any satisfaction, and XXXX XXXX automated systems now claim no account exists, preventing access to live assistance. This has left the homeowner in legal limbo despite full payment nearly XXXX years ago. 

Immediate correction and recording of the lien release is required.

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 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have been with Bank of America XXXX  years I have notice a charges that i have not made I reported it for a dispute and then they closed my accounts checking and savings without any notice and I have payments and stuff they screwed my life

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 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: FL

Complaint narrative:
I file a dispute on a few transactions that was made on my account, and for almost XXXX  days straight I didn't get any replies.. I finally was able to file a dispute XXXX  days before I file this complaint.. I have had missing outta my account and I'm paying fees I know nothing about..

Company response to consumer: Closed with explanation