vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-26 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: CA

Complaint narrative:
On XX/XX/2026, my account with Chime was closed without prior notification. I have attempted to reach them via email and phone, but I have not received a response. I still have funds in the account that I am unable to access, and it has now been XXXX months since this occurred. I kindly request assistance in retrieving my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
I am filing a complaint regarding the assessment of insufficient funds ( NSF ) fees by First Citizens Bank under circumstances that appear unfair and potentially systemic. On multiple occasions, I deposited cash into my account, and at other times received direct deposits ( including payroll ) or added funds, on the same day as a scheduled or pending debit transaction. In these situations, the deposits or credited funds were made prior to or within the same day as the debit activity. Despite this, I was still charged NSF fees. From a consumer standpoint, if funds are deposited or credited on the same dayespecially in the form of cash or direct depositthose funds should reasonably be considered available to cover transactions occurring that same day. However, the bank appears to process transactions in a manner that allows fees to be charged even when funds have been deposited or credited within that same timeframe. This practice raises concerns about : The timing and recognition of available balance for cash deposits, direct deposits, and other credited funds The order in which transactions are processed Whether consumers are being unfairly charged fees despite making same-day deposits or receiving same-day credited funds This has occurred more than once and does not appear to be an isolated incident. It suggests a broader issue that may affect other customers as well. I am requesting : A review of how cash deposits, direct deposits, and other credited funds are applied to account balances relative to debits Reimbursement of any improperly charged NSF fees Clarification of the banks policies regarding same-day deposits and fee assessments I believe this issue warrants further review as a potentially systemic practice impacting consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/year> Creditor : XXXX XXXX XXXX Account Number : XXXX I am writing regarding the above-referenced account. Under my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby request that you cease and desist all communication with me, except as permitted by law. Additionally, I dispute the validity of this alleged debt and request full validation in accordance with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act ( FCRA ). Please provide the following : - Proof of the original debt, including the name of the original creditor - A complete payment history and itemization of the amount claimed - Documentation showing that I am legally obligated to pay this debt - Proof of your authority to collect on this account Until such validation is provided, you must cease all collection activities and reporting of this account to any credit reporting agencies. If you continue to report or attempt to collect this debt without providing proper validation, I will not hesitate to file complaints with the appropriate regulatory authorities and pursue any legal remedies available to me. This letter is not an acknowledgment of any debt, nor is it a promise to pay. Sincerely, XXXX 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 2026-04-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
I wrote these companies and mailed certified letters to them many times along with emails and phone calls with no response. Not my debt nor do I recognize. I need the account deleted from all XXXX of my credit reports immediately with account closure so they can not be re-sold nor re-opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: TN

Complaint narrative:
On XX/XX/XXXX my XXXX loan was XXXX I contacted mohela to have them correct it after noticing it was on my credit report. Spoke to some on XXXX told her about it and she said it would be corrected in XXXX days. I received an inbox stating that I owe XXXX never check that date. Did a chat with a rep from student aid .gov and they said I owe nothing to send mohela a copy of my student data and they will see that it was XXXX. Sent that on XX/XX/XXXX no reply! Filed a XXXX complaint and they sent a message saying I owe no where to respond back to have them view the data report. Called back on the XXXX spoke with a XXXX told her the date it was XXXX she put me on hold and said she can see it was discharge XX/XX/XXXX then said give us time to remove it. Its could be updated in XXXX days. Then she said we owe you a refund but most likely it will be used toward your balance. I asked what balance if it is nothing that I owe. She said it will be applied to the balance then issued a refund that could take awhile honestly! It should not be XXXX years to correct the issue. It took XXXX point from my credit score and adding interest. Every effort has been basically ignored. They are not even looking or trying to correct!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Hello. Target XXXX XXXX declined and blocked access to my card, to my online portal and to explain why I needed to share purpose of my purchases. I feel this is a retaliation to my prior complaints against Target. I have no way to verify what the balance of {$650.00} is for and I'm supposed to pay it by XX/XX/year>. XXXX XXXX is isolating me and I don't know why. I have called and verified my identity and confirmed transactions were authorized by me personally when they asked. I need to understand why my account has been blocked and why I can't access my online profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My name is XXXX XXXX. My date of birth is XX/XX/year>, and the last XXXX digits of my Social Security Number are XXXX. I am writing to file a complaint against Capital One Auto Finance regarding incorrect information reported on my credit file. I have XXXX accounts with Capital One Auto Finance that are erroneously marked as derogatory, which is severely impacting my credit scores across all major bureaus. The first account, with the account number ending in XXXX, shows a balance of {$0.00} and a derogatory status on both XXXX and XXXX. The second account, with the account number ending in XXXX, also reflects a derogatory status with a {$0.00} balance on XXXX. Despite having a XXXX balance, these accounts continue to be reported as derogatory, thus inaccurately impacting my creditworthiness. I have attempted to resolve this issue by contacting Capital One Auto Finance directly, but there has been no rectification of the incorrect reporting. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information in their credit reports, and creditors are obligated to correct any inaccuracies. However, despite my efforts, these accounts remain inaccurately listed as derogatory, which is not only misleading but also damaging to my financial reputation. The incorrect reporting of these accounts has resulted in significant harm, as it has lowered my credit scores to XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. This has hindered my ability to obtain favorable credit terms and has caused undue stress and financial hardship. I request the complete removal of these erroneous derogatory accounts from all three credit bureausXXXX, XXXX, and XXXXto accurately reflect my credit status and rectify this situation. I appreciate your prompt attention to this matter and look forward to a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Possible Financial Inc
State: KY

Complaint narrative:
This company is committing fraud against the IRS and U.S government. The company claims that my account is charged off and/or in collections, however I never received a 1099c for the account. When a debt is charged off that means the creditor is claiming to have written off the debt on their taxes and received a profit. It is illegal to continue reporting the account on my personal credit reports because charge offs are considered income by the IRS. Income is forbidden to be on a consumers credit report according to 15 USC 1681 ( 2 ) ( a ) ( i ). Furthermore, I have a right to privacy and I consider this income as private information, therefore this account must be removed immediately. This company is also in violation of the following : 15 USC 1692c 15 USC 1692g 15 USC 1681 e ( b ) 15 USC 1635

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Complaint Against Bank of America Wrongful Retention of Funds ( {$35000.00} ) I am filing this complaint against Bank of America regarding the closure of my account and the continued withholding of my funds totaling {$35000.00}. On XXXX XX/XX/year>, I deposited a certified check issued from my own account at XXXX XXXX into my Bank of America account. The check was processed and initially reflected as cleared. Subsequently, Bank of America abruptly closed my account and informed me that the funds were being held due to XXXX. However, they have failed to provide any specific explanation, documentation, or legal basis for this claim. It has now been over XXXX months, and despite multiple attempts to resolve this issue, I have only received conflicting and vague responses. I have been repeatedly redirected between departments without any meaningful resolution. Key facts : The funds originated from my own account at XXXX XXXX via a certified check. The check was processed and marked as cleared. Bank of America has not provided any written explanation or evidence supporting their XXXX claim. My funds have been withheld for an unreasonable and excessive period. This situation has caused significant financial hardship and distress. If there is a legitimate reason for holding these funds, I request that Bank of America provide a clear, written explanation citing the legal and regulatory basis for their actions. Otherwise, I demand the immediate release of my {$35000.00} to me via check or transfer. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and require Bank of America to : XXXX. Provide a formal written explanation for the hold on my funds XXXX. Release my funds immediately if no valid legal basis exists XXXX. Ensure that I am not subjected to further unjustified delays I am prepared to provide supporting documentation, including proof of the certified check issued from my XXXX XXXX account. Sincerely, XXXX 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 monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: HYUNDAI CAPITAL AMERICA
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 states that I have a right to privacy, 15 USC 1681 Section 604 ( a ) Section 2 also states a consumer reporting agency can not furnish an account without my written instructions, 15 USC 1681b and pursuant to 15 USC 1666b " A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. Furthermore, 15 USC 1681 ( s ) -2 all late payments were missed during COVID-19 and should be deferred or forgiven. I have a right to privacy and I consider late payments as private information, therefore they must be removed immediately.

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 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint regarding a XXXX XXXX account that is reporting on my credit report. I did not authorize, open, or consent to this account. This account appears to be connected to identity theft and fraudulent activity. The account shows a balance of approximately {$10000.00} with a credit limit of {$10000.00}, opened around XX/XX/year>. I dispute this account in full. I never applied for or used this account, and I should not be held responsible for any balance, fees, or negative reporting related to it. This fraudulent account is seriously damaging my credit because it is reporting at 100 % credit usage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 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: IL

Complaint narrative:
am writing to report a serious matter regarding fraudulent activity on my account. On XX/XX/2026, I discovered numerous unauthorized XXXX transactions. I do not have a XXXX account, nor do I use any third-party food delivery services. I have since filed disputes with my financial institution for each of the XXXX fraudulent transactions. Currently, my bank has only approved XXXX of these disputes and requires a police report to proceed with recovering the remaining funds. Furthermore, my debit cards have been stolen on multiple occasions, and I have not received the replacement cards issued by my bank. I have already alerted my financial institution to these ongoing issues. Total loss : {$1300.00} On XX/XX/XXXX at XXXX XXXX XXXX I spoke with XXXX from Chime who informed me in order for me to re-open my dispute and for them to retrieve my funds. After our call. I immediately filed a police report and the report was approved. On the same day I called Chime again and spoke with XXXX who informed me to provide my work schedule hours and a police report to reactivate my claim. XXXX continued and shared that the police report would assist them with obtaining my funds. I provided a temporary police report and when XXXX Police Department approved my report and provided the official report I submitted reports to Chime immediately. Upon checking the status of my claim Chime declined the disputes a second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: AK

Complaint narrative:
On XX/XX/year>, I was charged for an airline ticket ( XXXX XXXX, XXXX XXXX. XXXX ) booked through Barclays affiliated travel service ( XXXX XXXX XXXX XXXX XXXX XXXX ). On XX/XX/year>, XXXX XXXX cancelled my flight ( XXXX from XXXX to New York ). I did not cancel this trip ; the airline cancelled the service. Following the cancellation, XXXX notified me that I may be eligible for a refund and instructed me to contact the travel agency that issued the ticket. I followed these instructions. A refund request was submitted through the travel agency, and XXXX confirmed receipt of the refund request ( Refund Request No. XXXX ). Between early XXXX and the dispute filing, I contacted Barclays/XXXX XXXX XXXX XXXX XXXX. Representatives repeatedly confirmed that the refund was being processed and that everything was in order. However, I never received the refund. I then filed a dispute with Barclays. The dispute ( XXXX XXXX. XXXX ) was denied on the basis that the ticket was non-refundable. This reason is not applicable. The flight was cancelled by the airline, and the service was not provided. Under standard airline policy and U.S. Department of Transportation guidance, passengers are entitled to a refund when a carrier cancels a flight and the passenger does not travel, regardless of fare type. Despite : The airline cancelling the flight A refund request being properly submitted and acknowledged The service not being provided Barclays denied the dispute and did not issue a credit. This reflects a failure to properly investigate and resolve a billing dispute involving services not rendered. I am requesting that Barclays reopen the dispute and issue a full refund for the cancelled flight transaction.

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 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
The Account Past due amount is incorrect, and they are not providing me with my transaction report. This account was closed due to fraud that wasn't caused by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/2026 Creditor : LVNV FUNDING LLC Account Number : XXXX I am writing regarding the above-referenced account. Under my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby request that you cease and desist all communication with me, except as permitted by law. Additionally, I dispute the validity of this alleged debt and request full validation in accordance with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act ( FCRA ). Please provide the following : - Proof of the original debt, including the name of the original creditor - A complete payment history and itemization of the amount claimed - Documentation showing that I am legally obligated to pay this debt - Proof of your authority to collect on this account Until such validation is provided, you must cease all collection activities and reporting of this account to any credit reporting agencies. If you continue to report or attempt to collect this debt without providing proper validation, I will not hesitate to file complaints with the appropriate regulatory authorities and pursue any legal remedies available to me. This letter is not an acknowledgment of any debt, nor is it a promise to pay. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief