vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MS

Complaint narrative:
I am filing a complaint against Chime regarding a denied fraud dispute. I was the victim of a scam in which I sent {$400.00} to an individual for the purchase of a puppy. The seller misrepresented themselves and never delivered the puppy, and I later discovered this was a fraudulent transaction. I immediately reported the transaction to Chime, but my dispute was denied. This transaction was completed under false pretenses and should be treated as fraud. I am requesting a reinvestigation under the Electronic Fund Transfer Act ( EFTA ). I believe Chime did not properly investigate this claim or provide sufficient protection against fraudulent activity. I am requesting a full refund of the {$400.00} and documentation of how the investigation was conducted. I have supporting evidence including messages and proof of the scam and am willing to provide them upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I paid the " new balance of {$86.00} I received bills in XXXX, XXXX and XXXX, including a {$2.00} fee for paper bills, a {$3.00} per month interest fee and for bill " due XX/XX/XXXX '' an {$11.00} late fee. I sent the company a letter via certified mail, requesting that they address this and explain how they were charging me any of these fees on a closed account, for which I never had a card, nor do I have an account number. They responded in writing in a communication dated XX/XX/year> with a generic letter explaining how late fees are charged, advising that they would not remove any late charges and offered guidance on how I could best avoid late charge as if I was a customer with an existing account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I recently acquired my credit report and noticed a collections I do not recognize. I also became a member of XXXX, which alerts its members of any data breaches and assists in cyber security. Apparently there was a data breach with my information not that long ago, I resolved the issue today regarding the data breach, as I also noticed the collections claim on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLOBAL SOLUTION BIZ LLC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Information Current Balance {$670.00} Original Creditor XXXX XXXX XXXX Account Number XXXX Collection Agency Global Solution Biz LLC Reference Number XXXX Email XXXX Mobile Phone ( XXXX ) XXXX chatbot Select option Setup plan Payment Confirm PAY BALANCE IN FULL Pay off your account in XXXX lump-sum or make affordable installments. To get started, select how many payments you need to pay off this account. Your current balance is {$670.00} Payment details Payment Frequency Select a payment schedule you want to use Number of monthly payments you want to make Up to XXXX payments allowed by your creditor Payment date : XXXX XX/XX/year> You can defer your payment up to 14 days My offer summary Number of monthly payments XXXX {$670.00} Attempt to resolve this account in full for : {$670.00}. The payment will be processed on the XXXX or on the next business day, starting XXXX ( XX/XX/year> ). This communication is from a debt collector. This is an attempt to collect a debt, and any information obtained will be used for that purpose. Privacy Terms of Use Contact I asked for documentation on the original debt and the caller hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My mortgage company paid for XXXX insurance policies I only need one they told me that I would have to get the money back to put in my escrow, then I just found out about lawyer fees from my ex husband Bankrupt case been charged on my mortgage bill also, we been divorced since XXXX and my divorce decree shows that you have his rights up to the house but my mortgage companies never acknowledged my paperwork, I think its unfair for my to pay his legal fee, Im a XXXX XXXX single female with one monthly check .. please help o dont know what to do and I dont want to lose my home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CL Holdings LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card - Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$2100.00} {$2100.00} Credit Limit : {$1600.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Charged off account Account transferred or sold Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Legend Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I have reached out to the Company LVNV FUNDING LLC The company has reported a collection for {$270.00} opened on XX/XX/year>. Then another Debt Collection for {$560.00} opened on XX/XX/year>. And another Debt Collection Opened XX/XX/year> in the amount of {$740.00} which I have No Ownership of and is Fraud. I have asked the company to present proof I submitted Identification as actual owner and they have refused. All 3 debt collections comeback to a Shady Credit Card company and they will not respond after Months of Calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
XXXX was paid and it's still on my credit report, harming my report stating it is still Owed whe it's not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Validation of Debt Request - XXXX XXXX - XXXXXXXX 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 XXXX 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 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
I have been trying for over XXXX weeks to contact XXXX XXXX to resolve and settle a debt with a one-time payment. During this time, I have called their office well over XXXX times, ( I can proved proof ). The calls either go unanswered or go to voicemail. I have left multiple voicemails and have also submitted several messages through their website contact form. Despite these repeated attempts, I have received no response. This has become extremely frustrating because I am actively trying to resolve this matter and make a payment, yet the companys lack of communication has made that impossible. It should not be this difficult for a consumer to pay and settle a debt. I am requesting that XXXX XXXX contact me as soon as possible so this matter can be resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: AR

Complaint narrative:
I visited a service station to get gas Friday XXXX, XXXX and my card and cell phone were left at the location which at the the time I didn't know. I assumed that I just misplaced the card at home due to me being in the process of moving. I visited the service station again and inquired about a lost card and phone. After I showed identification. The card and phone were found at the store over the weekend. I assumed everything was okay.On Monday I received emails detecting suspicious activity pertaining to large back to back purchases. My card was used to make unauthorized purchases that I didn't make. I feel as though someone wrote my information down because of all online transactions. XX/XX/year> : close to {$4500.00} used online in less than XXXX hours. I contacted Chime canceled my card and filed a dispute. I also filed a claim with The Federal Trade Commission. After calling the Police department I was told that I needed to contact the company first since I recovered the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have an excellent payment history with American Express. My credit report has a Grade A for my payment history AND Exceptional Payment History comments as well. I make early and frequent payments on my American Express credit card accounts. The way American Express treats me is like I am a bad customer which is not the case. Several times since I have had my account ( about XXXX years ) I have paid the accounts down to XXXX. American Express treats me badly. I don't have any missed or late payments period. So American Express is deceptive. Whatever credit limit they give me, that limit is not the truth. That is the basis for my complaint. Even though I make payments early, American Express threatens to not approve charges WHEN MY STATEMENT SHOWS NO MINIMUM PAYMENT DUE. I want to reiterate that I have no late or missed payments. Their latest move was to decrease my credit limit to {$6600.00} from {$9800.00} which of course decreases my XXXX score. I do not deserve that. Attached are my XXXX, XXXX and XX/XX/year> statements. American Express threatens me when there is no reason for the threats. They demonstrate bad customer service and bad business practices. I also have XXXX other credit cards with American Express with {$1000.00} credit limits, both having undergone credit limit decreases despite MY PERFECT PAYMENTS and having paid off the accounts down to XXXX several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2026 To : Capital One Bank USA, N.A. Subject : Debt Validation Demand Account XXXX To Whom It May Concern, This letter is a formal demand for validation of the alleged debt associated with the above-referenced account. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are required to provide full and complete validation of this debt. Additionally, pursuant to : - 15 U.S.C. 1681b ( Permissible Purpose ) - 15 U.S.C. 1681i ( Reinvestigation Requirement ) - 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers ) You must provide : 1. A copy of the original signed contract or application 2. Full payment history and account statements 3. Proof of your legal authority to collect or report this debt 4. The method of verification used

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I wrote XXXX checks ; Number XXXX and number XXXX from my PNC Checking Account to my son, XXXX XXXX. They were not processed until months later and when they were he had been and was out of the country. The check images available to me online clearly show that his signature was forged and another signature was added. I am requesting the information for the bank and the account holder to which they were deposited to and if it is determined that the bank account is not owned by XXXX XXXX I would like to pursue a fraud investigation and all associated prosecution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Leafy Financial, LLC
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX 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 2026-03-17 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: EQUIFAX, INC.
State: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: SC

Complaint narrative:
Check was deposited on XX/XX/year>. I received a notice of an error XXXX days later after the money was credited to my account that the check was rejected from its original financial institution. I contacted the original financial institution who issued the check and there was no problem with the check. I notified Chime of this error and they have refused to perform a manual review of this error. There is a large lack of human recourse in this matter. Specifically their chat bot is programmed to keep you specifically from getting in touch with a member services associate to resolve this error with any amount of urgency. The permanent loss of my ability to use the mobile deposit feature is grossly unfair after I have reported the error to Chime and requested a fair review of this error. Since they have refused to do a manual review and have not provided me any way of showing proof of this error to lift this block on my mobile deposit feature, I now have lost the ability to deposit funds into my account, which are a necessary part of my business life. I am asking for a demanding a manual review of this error or errors on my account by a human special specialist in the Risk and Security Department. I would like this review to take place as soon as possible so I can regain this feature on my account in a reasonable amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> SS XXXX I am disputing the following item listed on my credit report : Creditor : LVNV Funding Original Creditor : XXXX XXXX XXXX XXXX. Account number : XXXX This account appears as a collection account on my credit report. I do not believe this account has been properly verified. Under my rights provided by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request a full investigation and verification of this account. Please provide : Proof of the original debt Complete payment history from the original creditor Documentation showing LVNV Funding legally owns this debt Verification of the balance being reported If this account can not be verified, it must be deleted from my credit report. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
There was fraudulent activity in my XXXX XXXX account that lead to an attempt to run a fraudulent payroll. XXXX stopped that transaction but at the same time authorized several fraudulent ACH transactions. When asked about those transactions XXXX claims they originated from Wells Fargo. I found the trace ID, XXXX, company XXXX and XXXX for all XXXX transactions and they were originated from XXXX. I would like a refund as they have been telling me this was a Wells Fargo issue and the XXXX institutions have pushed me back and forth between them. XX/XX/year> charge for {$970.00}, {$970.00}, {$500.00}, {$370.00} need to be refunded

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am providing an overview of my situation with Bank of America. I initiated an international wire transfer XXXX XXXX ; however, due XXXX an error in the account number, the foreign bank canceled the transaction and returned the payment. The results of the investigation state : " returned payment canceled due XXXX bank and beneficiary account does not match. '' Despite this, Bank of America has not returned the funds XXXX my account after a week. This matter is urgent as I require these funds for ongoing XXXX treatments. I have attached the letter regarding the investigation and the documentation of my attempts XXXX reconcile this with the bank. I look forward to hearing from your office regarding my options. Best regards,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lendmark Financial Services
State: TX

Complaint narrative:
The debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by XXXX parties and I didnt sign not participate in any of it. They didnt follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges.

Company response to consumer: Closed with explanation