vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
Here is your statement rewritten clearly and professionally in letter format : Subject : Formal Complaint Regarding Unauthorized Transactions and Dispute Handling To Whom It May Concern, On XX/XX/XXXX, I noticed two unauthorized transactions on my checking account. The first transaction was a charge from XXXX in the amount of {$290.00} at XXXX XXXX. The second transaction was for {$75.00} for a digital gaming system in California called called XXXX. I was charged {$25.00} three times through XXXX XXXX I immediately contacted Chime on XX/XX/XXXX, to dispute both charges. The representative informed me that an investigation would take place and advised me not to worry. After a few days, I checked the status of my dispute in the Chime app but did not see any updates. I then contacted Chime again to follow up on the matter. I have also contacted XXXX on several occasions. A XXXX representative informed me that their system does not show any transaction associated with my XXXX account history. I have not made an online XXXX purchase since XXXX. I was further advised that Chime must keep the dispute open in order for XXXX fraud department to conduct a proper investigation. XXXX can not proceed with its investigation if Chime closes the dispute. Despite this information, Chime has denied my dispute request three times. I have asked for a clear explanation of how the investigation was conducted and how the determination was made. The information Chime provided contains incorrect details, including the wrong date regarding when I disputed the charges. Both transactions were disputed on the same day they occurred. Additionally, I contacted the digital gaming company XXXX, and I was informed that their dispute team would also investigate the matter. It is now XXXX, and I have not received any refund for the unauthorized transactions. I am requesting a thorough and accurate review of my dispute, along with a detailed explanation of the findings. I also request that the dispute remain open so that all relevant parties may properly investigate. Thank you for your attention to this matter. I look forward to a prompt resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I attempted to transfer approximately $ XXXX ( various wires $ XXXX to $ XXXX ) from my checking account to my daughters citi checking account on XX/XX/XXXX through XX/XX/XXXX. Each attempt resulted in a confirmation of success, and then a subsequent reversal into my account the next day. My daughter confirmed that her recently opened account had auto-closed on the same day. After speaking with my relationship manager, he investigated and reopened her account. I immediately resubmitted the wire which was initially confirmed as successful, and then subsequently returned to my account. It was learned that my daughter 's account at Citi had auto-closed again. I explained to my relationship manager that I needed to move $ XXXX to my daughters account urgently so she could deploy the funds to her brokerage account to take advantage of market volatility and potential stock buying opportunities. I explained my desire to move the funds directly into her brokerage but he claimed that was not possible. Yesterday I attempted a $ XXXX XXXX payment and a $ XXXX wire transfer before noon. The XXXX was ultimately processed after considerable delay, after the close of the markets, due to a fraud flag. I was sent a fraud alert which I was unable to resolve after calling the fraud department due to extra long hold times. I am effectively prevented from accessing my funds and disbursing them as I would like due to incorrectly applied bank automated controls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Validation of Debt Request - FIRSTPOINT COLL RESO/XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
There's multiple dates and times. I have provided the screenshot of the call log. There's at least 10 or more XXXX calls

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Issue : Debt collector contacting third party and obtaining private phone number without authorization I was recently informed that a debt collection company contacted my friends wife attempting to reach me. The concerning issue is that they called her on a brand-new phone number that is not publicly associated with me and has never been provided by me as a contact number. I have never listed her as a reference, co-signer, spouse, employer, or contact for any financial account. She has no connection to any alleged debt. Despite this, the debt collector contacted her directly asking for my phone number. This appears to be an unauthorized third-party contact and a potential violation of the Fair Debt Collection Practices Act ( FDCPA ), which restricts debt collectors from communicating with third parties about a consumers alleged debt. Additionally, I am concerned about how this company obtained her new phone number. I did not provide it, and it is not publicly available. This raises concerns about improper data sourcing and privacy violations. I am requesting : 1. Immediate cessation of third-party contact. 2. Written validation of the alleged debt sent directly to me. 3. Disclosure of how this company obtained my friends wifes phone number. 4. Confirmation that no further third-party communications will occur. I consider this conduct inappropriate and invasive.

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

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 2026-03-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am requesting regulatory review regarding two checks drawn on BMO Bank N.A . that were returned unpaid with the return reason FROZ/BLOCK ACC. On XX/XX/year>, my sibling deposited checks from the same estate account, and those checks cleared successfully. On XX/XX/year>, I attempted to cash my check at a BMO branch. The teller attempted to contact the account holder but was unsuccessful and advised me to deposit the check at my financial institution, indicating it should clear in a couple of days. Relying on that guidance, I deposited two checks with my bank. On XX/XX/year>, the deposits were credited in the amounts of {$6600.00} and {$2500.00}. On XX/XX/year>, both items were returned unpaid by the issuing financial institution with the official return code FROZ/BLOCK ACC. As a result, {$9100.00} was debited from my account. Based on the timeline, the account appears to have been placed into a frozen or restricted status between XX/XX/XXXX and XX/XX/XXXX, after prior estate checks had successfully cleared. The reversal of {$9100.00} resulted in overdraft impact exceeding {$1500.00} due to reliance on funds that had been credited in the ordinary course of deposit processing. I respectfully request : Written clarification of the exact date and basis for the account freeze. Confirmation of whether the freeze was placed before or after my attempted presentment at the branch. Review of whether branch-level actions contributed to the account restriction. Appropriate remediation of the documented financial harm resulting from this matter.

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 2026-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I am receiving text messages from number XXXX ( XXXX ) XXXX, claiming that they are from a company called Adler Wallach & Associates, and that they have received an account from XXXX XXXX XXXX XXXXXXXX XXXX XXXX for an outstanding medical debt. I have not contacted the company, because I did go to XXXX XXXX XXXX in XXXX, but paid off the hospital bill immediately, and have the receipts of the transaction. I confirmed with XXXX that I had no outstanding bills with them. I have not received any written communication or notices from this company, only XXXX text messages on XX/XX/XXXX and XX/XX/XXXX. The company is obviously a scam, and is trying to make me pay off a fake debt. What is even more concerning is that they somehow have finance or hospital records that show I did make a payment to XXXX XXXX, and are trying to use that information to scam me into paying them money for a debt that does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
Requested PMI removal in XXXX. Mortgage co gave me the absolute runaround. I gave up. Called again XX/XX/XXXX. Asked for I formation on measures that are required by the bank for a consumer to request removal of PMI insurance. Repeatedly and persistently denied. They kept repeating that they are not required to provide written information on the protocol for their consumers to request a removal of PMI. They insist they can verbally explain it to me but they are reading from an internal training manual and are prohibited from sending any part of that to consumers. Each time I speak to a different person, they say something different. In XX/XX/XXXX I spoke to XXXX in Customer Service. I recorded the full conversation and told him so. I asked to speak to a Supervisor. He refused. Told me her name was XXXX and she wasnt available. I asked to be put through to her voice mail and left a message. XX/XX/XXXX XXXX called from XXXX ( XXXX ) XXXX in XXXX XXXX, MI and she also gave me word salad and refused to answer questions. I had to repeatedly request the protocol for removing PMI insurance in writing. She finally said she wasnt going to send it. That must be illegal. Please help.

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

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2026-03-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MORGAN STANLEY & CO. LLC
State: NV

Complaint narrative:
On XX/XX/XXXX, I opened a new premium savings account with Etrade because they were offering a cash bonus for depositing $ XXXX. The terms stated I needed to deposit qualifying funds within 30 days of account opening and maintain that balance for 45 days after the initial funding period. I fulfilled those terms and then started transferring funds to my XXXX XXXX account because the XXXX was decreased from 3.75 % to 3.35 %. Apparently those withdrawals were flagged as suspicious and my account was restricted. I called Etrade and a 3-way call was set up with the initial funding bank, XXXX XXXX XXXX XXXX Upon verifying my outside bank account and all the questions having been answered to their satisfaction, Etrade removed the account restriction. On XX/XX/XXXX, I received an email from Etrade that I would not be receiving the cash bonus. It didn't explain why. However, when I called Etrade to ask they said it was because the Etrade marketing department said that I wasn't targeted for the promo. I said that doesn't make sense. The bonus was advertised on the regular Etrade website available to all and when I enrolled for the bonus, there was no indication that there was any problem. The Etrade agent even told me that he could see that I was enrolled for the bonus and it was attached to my account and should have been paid out on XX/XX/XXXX. At any rate, I was told that unfortunately, this was how the Etrade marketing dept has decided to handle ( as in withholding ) the bonus offer. In the meantime, after the initial account restriction had been removed, I continued transferring out funds to the same XXXX XXXX account that I was using previously. This appeared to trigger a second account restriction. I called Etrade again and they said they would need to set up another 3-way call with XXXX XXXX XXXX to verify some things even though they had already done so previously. Unfortunately, the hold time for XXXX XXXX was deemed too long so I was instructed to upload bank statements from XXXX XXXX for expedited review which should only take 1-2 hours. However, it has been over 24 hours and my account is still restricted. I called in again this am and they said it has been assigned but not reviewed yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: OH

Complaint narrative:
Validation of Debt Request - BULL CITY XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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

Complaint narrative:
Validation of Debt Request - SUNRISECRED - 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 2026-03-03 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: FL

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 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Fidem Baltimore Holdings LLC
State: PA

Complaint narrative:
I am currently locked out of my online portal and can not get back in. I recently had to request a new card because there was suspicious activity. Since my new card isn't activated, I can not use the online portal to unlock my account and create a new password. I can not activate my new card because every time I try calling the number, it either rings continuously for a minute or two and then the call ends, or it rings once and states there is an application failure and the call disconnects. I have been trying to call for weeks now and can not get through to activate the card, talk to a rep to unlock, or dispute the fraudulent charges. If I can not get into my account, then I also can not make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: LEXISNEXIS
State: TX

Complaint narrative:
FTC REPORT NO : XXXX My First & LAST name, My Street NUMBER & Street NAME and My City and State are as Follows : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TODAY IS : XX/XX/XXXX PLEASE DELETE THE INACCURATE NAMES BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THE INACCURATE ADDRESSES BELOW : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX This account appears to have been illegally reinserted into my credit file after a previous dispute. If any information is reinserted, the FCRA requires that I receive written notice within five business dayswhich I did not. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX This account appears to have been illegally reinserted into my credit file after a previous dispute. If any information is reinserted, the FCRA requires that I receive written notice within five business dayswhich I did not. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} This account appears to have been illegally reinserted into my credit file after a previous dispute. If any information is reinserted, the FCRA requires that I receive written notice within five business dayswhich I did not. Additionally : I was never properly notified in writing of any delinquencies. I received no emails, letters, or final billing notices in accordance with FCRA requirements. The initial disclosures do not qualify as proper late payment notifications under federal law. I previously requested removal of the charge-off status and delinquencies, and no action was taken. If no legitimate verification exists, I request the immediate removal of this tradeline, or at minimum, a permanent blocking of all associated payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS 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 2026-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
I purchased and titled a car in XXXX. After moving to XXXX I have been unable to get Nissan Motor XXXX to release the required information to XXXX XXXX. This has resulted in me getting personal property tax bills from both XXXX and XXXX. I have repeated requested assistance over the past 14 months and they have provided no resolution.

Company response to consumer: Closed with explanation