vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-05 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On or about XX/XX/year>, I was the victim of an impersonation scam. I received a phone call and text messages from a spoofed phone number that displayed as Navy Federal Credit Union. The caller claimed to be a Navy Federal fraud investigator. The caller stated there were fraudulent charges involving a card I had previously lost. Because I had in fact lost a card in the past, I reasonably believed this was a legitimate fraud alert from Navy Federal. The caller then instructed me to take actions to secure my account. I later learned this was not Navy Federal, but a scammer impersonating the institution. A fraudulent transaction in the amount of {$1900.00} occurred on my active debit card ending in XXXX, which remained in my possession at all times. I reported the fraud and filed a claim with Navy Federal. Navy Federal denied the claim stating : We determined you authorized and/or participated in the activity, without providing supporting evidence. I dispute this finding. I did not knowingly authorize fraud or participate in any fraudulent activity. Any actions taken were induced by deception and impersonation, and I did not have informed authorization of the true nature of the transaction. I am requesting that Navy Federal reopen and honor the fraud claim, reimburse the {$1900.00}, and provide the documentation relied upon to determine I authorized and/or participated, including authentication records, device/IP/location data, and investigation notes. I also request that Navy Federal ensure no negative account remarks or reporting remain related to this incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Complete Care, Inc.
State: TX

Complaint narrative:
First things first. Im on Housing they came out to do an annual inspection on the apartment and it failed. Housing came out a second time it failed for the same reason. Housing was coming out a third time to inspect, but it wasnt any use, because they still hadnt fixed the issue. So I revived a moving package to relocate, because I was told I wasnt supposed to remain in that unit. I receive the package at the im XXXX which gave me 90 days to move. My lease was up in XX/XX/XXXX. I moved in XX/XX/XXXX. So how is it saying I violated in XXXX when I paid XXXX and XXXX and XXXX rent.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: VA

Complaint narrative:
Company : Synergetic Communication Original Creditor : Residences at XXXX XXXX Account Number : XXXX Amount : ~ {$3500.00} Complaint : I am filing a complaint regarding an inaccurate collection account reported by Synergetic Communication ( Account No. XXXX ) for alleged rent owed to Residences at XXXX XXXX for XX/XX/XXXX through XX/XX/XXXX. I vacated the unit in XX/XX/XXXX, returned the keys, and did not renew the lease. I did not occupy the premises during the period being claimed. I never received a written validation notice regarding this debt. The only contact I am aware of was a text message that went to spam. The collector also contacted a third party to obtain my address, but I still did not receive written notice. After learning of the collection, I disputed the debt by email and requested validation. Despite this dispute, the account was reported to the credit bureaus as a derogatory collection. The reported debt is inaccurate because I did not reside at the property during the claimed period and did not maintain an active tenancy. I requested documentation including a lease, rent ledger, proof of occupancy, and authority to collect, but this has not been provided. I also possess additional documentation supporting my dispute. This documentation substantiates my position regarding occupancy, tenancy status, and the accuracy of the claimed balance. I will provide this documentation upon request. At this time, the burden remains on the collector to validate the accuracy of this account. I am requesting that this collection account for Account No. XXXX be removed from my credit report and that the collector cease reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 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: LA

Complaint narrative:
I am disputing multiple unauthorized ATM withdrawals from my Chime account that occurred between XXXX XXXX XXXX During this period, I was in police custody, and my phone and purse were not in my possession, making it impossible for me to have made these transactions. I submitted a dispute to Chime on [ insert date ], provided a written dispute statement, custody documentation, and screenshots of the unauthorized withdrawals. Despite this, the bank has not applied provisional credit and has only given generic responses, including ending my chat with a supervisor. Under Regulation E, I am entitled to provisional credit immediately while the investigation is pending. I am requesting that Chime issue provisional credit for all unauthorized withdrawals immediately. If Chime fails to do so, I expect CFPB assistance to ensure my rights under federal law are enforced. Attached are all relevant documents : Written dispute statement ATM withdrawal screenshots Booking and release verification Chat screenshots showing prior requests for credit Desired Resolution : Immediate provisional credit for all unauthorized ATM withdrawals during XXXX XXXX XXXX Confirmation from Chime that the credit has been applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This communication constitutes a formal debt validation request pursuant to XXXX U.S.C. XXXX ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). You are also hereby notified that the validity of this debt is disputed in its entirety, and you are ordered to cease all collection activity including reporting or forwarding information to any credit reporting agency until complete, specific, and verifiable validation has been provided. Given that you claim to be the " owner '' or " authorized collector '' of this debt, you are legally required to present the following documents for your claim to be considered valid

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
On or about XX/XX/year>, I discovered that Credence Resource Management is reporting a XXXX XXXX collection account of {$290.00} on my Equifax credit report, opened XX/XX/year>. This is one of three separate debt collectors simultaneously reporting the same XXXX XXXX debt with XXXX materially different balances : Credence Resource Management ( {$290.00} ), XXXX XXXX XXXX XXXX ( {$520.00} ), and XXXX XXXX XXXX ( {$320.00} ). A single debt can only be legally owned and collected by one entity at a time. The three conflicting balances are irreconcilable and constitute false representation of the amount of the debt under 15 U.S.C. 1692e ( 2 ) ( A ) and collection of an unauthorized amount under 15 U.S.C. 1692f ( 1 ). Credence Resource Management added this collection to my Equifax report without ever sending me any prior written notice as required by 15 U.S.C. 1692g. I never received any communication from Credence Resource Management before discovering this entry on my credit report. I mailed a formal certified mail debt validation demand to Credence Resource Management on XX/XX/year> demanding immediate cessation of all collection activity and bureau reporting pending full validation. No response has been received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 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: IL

Complaint narrative:
I attempted to dispute this information through XXXX ; however, I was unable to submit my dispute through their online portal. Additionally, at least XXXX item XXXX Bank of America ) has already been marked as verified, but I have not been provided with any documentation proving the accuracy of this claim. The accounts in question include : Bank of America : Reported as suspected fraud activity XXXX Bank : Multiple entries reported as account abuse Discover : Reported as account abuse I am formally requesting that these institutions provide proper validation of these accounts. Specifically, I am requesting : Documentation proving I authorized these accounts Copies of signed agreements or applications A detailed explanation of how these accounts were verified Any records supporting the claim of fraud activity Under the Fair Credit Reporting Act ( FCRA ), all reported information must be accurate and verifiable. If these institutions are unable to provide sufficient documentation, this information must be removed from my XXXX report. The reporting of suspected fraud activity by Bank of America is particularly damaging and has negatively impacted my ability to open bank accounts. I am requesting a thorough reinvestigation of this claim and immediate removal if it can not be substantiated with evidence. I am seeking a resolution that includes : Full validation of all disputed accounts, or Immediate deletion of any information that can not be verified I also request that XXXX ensure compliance with FCRA requirements regarding accuracy and proper investigation of disputed information. Thank you for your prompt attention to 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 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi bank keeps locking me out of my account and when I call to fix it they say its fixed and its not I have called in at least XXXX times since 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 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I am filing a complaint regarding inaccurate and unverifiable information being reported on my credit reports. Account : Apple Card XXXX XXXX XXXX XXXX ( * XXXX / * XXXX ) This account is being reported as a charge-off on multiple credit bureaus, including XXXX XXXX, and XXXX, with a reported balance of approximately {$2200.00}. I have disputed this account, yet it continues to be reported without proper validation. The company has failed to provide : A signed contract or application Full account documentation and payment history A proper verification method A clear itemized breakdown of the reported balance This appears to violate the Fair Credit Reporting Act because inaccurate, incomplete, or unverifiable information must be corrected or deleted. I am requesting : 1. Immediate deletion of this account from all credit bureaus if it can not be fully verified 2. Documentation showing how this account was verified with each bureau 3. An explanation of why this inaccurate or unverifiable account continues to be reported If this matter is not resolved, I will pursue further legal remedies. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
They have sent XXXX emails a day everyday since the beginning of XXXX. I have unsubscribed and emailed them to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
On or about XX/XX/XXXX, I discovered that three separate debt collectors are simultaneously reporting the same XXXX XXXX debt on my XXXX credit report with three materially different balances : Harris & Harris Ltd. ( {$520.00}, opened XX/XX/XXXX ), Credence Resource Management ( {$290.00}, opened XX/XX/XXXX ), and XXXX XXXX XXXX ( {$320.00}, first contact XX/XX/XXXX ). A single debt can only be legally owned and collected by one entity at a time. The three conflicting balances are irreconcilable and constitute false representation of the amount of the debt under 15 U.S.C. 1692e ( 2 ) ( A ) and collection of an unauthorized amount under 15 U.S.C. 1692f ( 1 ). I mailed formal certified mail debt validation demands to all three collectors on XX/XX/XXXX demanding they cease all collection activity and bureau reporting pending full validation. No response has been received. Additionally, XXXX XXXX XXXX contacted me exclusively via an old inactive email address obtained without my consent through skip tracing, in violation of Regulation F 12 C.F.R. 1006.6. All Halsted emails went to spam and I never received valid notice of this debt. My validation rights under 15 U.S.C. 1692g remain fully intact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I am filing a complaint against American Credit Acceptance regarding serious discrepancies in my auto loan balance and payment application. My original loan amount was {$22000.00}. Despite making over {$6000.00} in payments, my current balance is now showing over {$23000.00}, which is higher than the amount originally financed. This is extremely concerning and does not align with a standard amortized loan. Even accounting for interest and late payments, the balance should not increase beyond the original principal unless there are additional charges or capitalized interest being added. If this is the case, it was not clearly disclosed or explained to me at the time of signing. Additionally, I made a {$10000.00} down payment at the time of purchase, yet my loan balance does not reflect a reduction consistent with that payment. I am requesting a full explanation of how that down payment was applied. I was also granted a deferment for XXXX and XX/XX/year>, and I need clarification on how that deferment affected my balance and whether any interest was capitalized as a result. At this time, I am requesting : 1. A full amortization schedule 2. A complete breakdown of all payments and how they were applied ( principal, interest, fees ) 3. A detailed itemization of the original amount financed, including all add-ons and how my {$10000.00} down payment was applied 4. A clear explanation for why my balance has increased beyond the original loan amount Due to these discrepancies, I am concerned that there may be errors or improper application of payments on this account. I am requesting a full investigation and correction of any inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting and failure to properly investigate a disputed account. I disputed an account reported by XXXX XXXX XXXX on my credit report. I requested documentation supporting the accuracy of the account, including proof of authority to collect and a complete accounting of the balance. XXXX XXXX XXXX admitted they are not the owner of the debt and failed to provide documentation demonstrating their legal authority to report or a complete accounting of the balance. Despite this, TransUnion verified the account as accurate. This raises serious concerns regarding the adequacy of the investigation conducted by TransUnion, as the furnisher failed to provide sufficient documentation to support the accuracy of the account. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), consumer reporting agencies are required to conduct a reasonable investigation and ensure maximum possible accuracy. At this time, the account continues to be reported despite being disputed and lacking proper verification. I am requesting : 1. Immediate deletion of this account from my credit report XXXX. Investigation into TransUnions verification process XXXX. Investigation into XXXX XXXX XXXX compliance with FCRA This account is being reported without sufficient verification and must 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 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/2026, XXXX XXXX was paid {$200.00} through Cashapp ( $ XXXX ) as commission to produce a braided wig. XXXX stated that the wig would be completed within XXXX weeks. On XX/XX/XXXX, XXXX was contacted regarding the status of the wig. Instead of a wig or even images of a wig, XXXX has excuses and refused to produce images of the wig. Instead of providing images of the alleged wig, XXXX offered to provide a refund due to not having time to complete the wig. On XX/XX/XXXX, XXXX was contacted regarding the status of the refund. XXXX had more excuses as to why the full amount would not be refunded, became angry once questioned about images of receipts, images of supplies and a message about a scammer notification. XXXX blocked communication on her XXXX ( XXXX of XXXX ). XXXX lied and stated that a refund of {$180.00} would provided on XX/XX/XXXX. XX/XX/XXXX came and went with no refund or further contact regarding the wig or stolen payment. I contacted Cashapp and filed a fraud report. On XX/XX/XXXX I called Cashapp for further assistance with reviewing my fraud complaint, assistance with securing my stolen funds and protection from XXXX XXXX for future scam victims. The Cashapp representative provided no assistance and dismissed the situation, stating that they are working on fraud prevention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: TX

Complaint narrative:
On Wednesday XX/XX/XXXX a refund was sent in the amount of {$170.00} to chime on my credit builders card. Intern chime sent me a notice that the refund was sent and it would be available to me between the XXXX and the XXXX of XXXX. I contacted chime on the XXXX and they told me they didn't see anything or no record of it coming in and when I explained the situation I was put on hold and hung up. I called the second time this time I explained all the information the guy put me on hold for XXXX minutes. I was hung up after that I let it just sit there to see if he'd ever come back and now on the third time I was told they didn't see anything no record of it but there was nothing they could do was the system that does it all. They do this every time they blame it on the system which their software company which I'm a stockholder and they built the system. I was told that well it's probably like an XXXX you know comes in your account when it gets there. Try back next week I said no you sent me a document that said that I would receive between the second and the XXXX you didn't say anything about an ACH for a refund. So now I'm supposed to XXXX I guess that that somehow this {$170.00} shows up and it just shows up. I contacted merchant twice and was told the same thing they sent the refund and that was all that they could do. I said also send a copy of the refund tickets that I got but was told but it's business days you know hours nothing I can do because it's a system. I've been told this before that's the reason why there's two complaints already about the product services about the acknowledgments and about the customer service. I believe that the company uses this for their boost me program over overdraft. They do the overdraft program because it brings transaction fees. You have to use the overdraft primarily on credit or debit card which produces transaction fees which is what XXXX XXXX dollars the company profited and XXXX with transaction fees. I had to use my overdraft boost me product because I don't have a refund. Now because of that the refund when it gets there someday I'm going to get that overdraft taken out of that refund. I don't believe I should be penalized for an overdraft because they chime I haven't processed or the system hasn't processed the money into my account when the merchant and also chime documented that they got it.

Company response to consumer: Closed with explanation