vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am disputing the following items on my TransUnion credit report that appear to be inaccurate or unverifiable. These include incorrect balances, account numbers, and reporting errors. Disputed Charged-Off Accounts : XXXX, Account # XXXX, Opened XX/XX/year>, Balance {$3100.00} XXXX XXXX Account # XXXX, Opened XX/XX/year>, Balance {$3200.00} Disputed Late Payments : XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX I am requesting a reinvestigation of these accounts. Furnishers must provide proper documentation including original agreements, payment history, and account verification. If such verification can not be provided, I request that these accounts be deleted from my credit report. Optional Closing Statement ( for all bureaus ) : I request that all disputed items be thoroughly investigated and corrected in accordance with the Fair Credit Reporting Act. Any item that can not be verified must be deleted immediately. This request includes verification of account ownership, balances, payment history, and reporting accuracy.

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 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I applied for a Citibank credit card specifically to complete a balance transfer, as Im currently between jobs and was drawn in by Citibanks 21-month interest-free offer. After finally receiving the card, I attempted to transfer {$10000.00}. My credit limit was {$15000.00}, so this should not have been an issue. However, when I submitted the transfer online, it was rejected with a message saying I needed to call because the account was new. When I called, the representative informed me that I was only authorized to transfer approximately {$4000.00}. I made it very clear that if I had known that limitation beforehand, I never would have opened the account. I then explicitly told them to cancel the transaction entirely, as I would instead use a card from XXXX XXXX About a week later, I discovered that my XXXX card had a negative balance of {$9900.00}. After investigating, I found that Citibank had gone ahead and processed the transfer anyway, despite my clear instructions to cancel it. As a result, Im now facing roughly {$1000.00} in costs to fix this situation. I fully intend to pursue this matter as far as necessary. If their calls are recorded, it should be clear that I explicitly requested the transaction be canceled.

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 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MN

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 : 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 non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OK

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 : 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 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
In XXXX, I received by mail a letter created on XX/XX/XXXX by XXXX XXXX claiming that a credit card ending in XXXX was taken out in my name. The letter stated that I was delinquent in paying off a debt of {$6800.00}. It consisting of {$6500.00} in principle and {$230.00} in fees. Not once had I received any notification of this debt or documents for a repayment schedule. The letter claims this debt was sold by XXXX to Midland Credit Management for collection. Midland Credit Management claims that I am responsible for paying this debt. Doing some research into this letter showed several red-flags for fraudulence on it. First, the letterhead has a slight shadow underneath it showing that the XXXX logo had been pasted on the paper. Second, the balance shows the amount of {$6800.00} instead of {$6800.00}. Third, the letter had not been signed or notarized. Doing more research, I took the letter to my local XXXXXXXX XXXX branch manager XXXX XXXX and he concurred with me that this was a fraudulent letter and that I should disregard its validity and not pay the amount owed. To be on the safe side we started a process where I put a freeze on my accounts with XXXX XXXX XXXX XXXX credit monitoring bureaus. Time went by with nothing showing up on these bureaus. Then in XXXX, my credit account from XXXX Credit Bureau listed where Midland Credit Management levied the information to XXXX for monitoring. Knowing this, I met with my financial manager XXXX XXXX with XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX. We did some digging into my credit history with XXXXXXXX XXXX and we found that nowhere in my history with XXXXXXXX XXXX that I ever applied for or received the credit card in question. XXXX XXXX stated that the credit card was used on XX/XX/XXXX to charge the amount listed above for goods and services at a business named XXXX XXXX XXXX XXXX XXXX They specialize in XXXXXXXX XXXX XXXX products and hair styling services. I am a XXXXXXXX XXXX XXXX male and would never use XXXX XXXX XXXX products or services. XXXX XXXX suggested that I file a police report on this identity theft. I filed a police report that same day with the XXXX, Alabama police department. I have been checking with the three credit bureaus to monitor any discrepancies to my credit status. Meanwhile, Midland Credit Management is adamant that I am responsible for this debt and is relentless in collecting it. They even contacted me several times during this period t o the point of it being considered harassment. I couldnt be surer that I am NOT responsible for this debt. With this ongoing situation, I am submitting the information that has been gathered to dispute these claims from Midland Credit Management to y

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Brought {$5000.00} in XX/XX/year>. Was never told that every time I made a payment that it was only going to interest. I currently have paid them back over {$20000.00} and the loan is still not paid off. I asked to for the contract of the loan because it does not show up in my portal and Im getting the runaround about the contract and never was. I told that my payments were interest payments are not going towards the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: CA

Complaint narrative:
I have a VW Credit auto lease account reporting as a charge-off on my credit report. Upon reviewing my credit report I discovered this account shows zero 30-day, 60-day, and 90-day late payments across its entire 49-month history, which is factually inconsistent with a charge-off status. A charge-off can not occur without a sequence of missed payments. I called VW Credit on XX/XX/XXXX and confirmed the account was charged off. However VW Credit also confirmed the account was paid in full through collection agency XXXX XXXX in XX/XX/XXXX with a {$0.00} balance. VW Credit acknowledged they can not change the charge-off notation despite the account being fully satisfied. I also discovered the account went to collections because VW Credit had an incorrect mailing address on file, meaning I never received any notices or communications about this account being in default. VW Credit acknowledged that when the mail was returned to them due to the incorrect address, they redirected statements to an online portal. However, I was unable to access my online portal during that time period, meaning I never received any notice of the default through any channel - mail or electronic. The charge-off occurred without my knowledge due to circumstances out of my control. The {$110.00} balance that led to this charge-off was a residual end-of-lease charge assessed after the vehicle was returned -- not a missed regular payment. I had no reason to expect an outstanding balance after the vehicle was turned in, and because VW Credit had an incorrect mailing address on file and I was unable to access my online portal, I never received notice of this charge. This was not a case of missed payments or financial difficulty -- it was an unknown {$110.00} post-lease fee that went to collections entirely due to a communication failure on VW Credit 's part. I have been a repeat customer of VW Credit with multiple prior leases, all of which were paid on time and closed in good standing. This isolated incident does not reflect my payment history or character as a borrower. I have a paid-in-full letter from XXXX XXXX which I have a copy of. I have requested a settled-in-full letter from VW Credit which is being faxed to me. I have filed disputes with XXXX and XXXX. This charge-off is the only negative item on my credit report and is materially impacting my mortgage application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MI

Complaint narrative:
i placed an order at XXXX for XXXX and the package got marked as delivered but i didnt receive package and ive explained that to both XXXX and cashapp that it wasnt at my door as stated and i disputed it first then they denied then i appealed and they also denied it if im paying my hard earned money why would i lie about not receiving my package

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: NJ

Complaint narrative:
Would like to contact someone at self and unable to reach the company the number is not working

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: WA

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 : 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: PA

Complaint narrative:
Product : Checking or savings account Issue : Unauthorized transactions/ Fraud Company Names : Chime ; The XXXX XXXX, XXXX. Complaint : I am filing this complaint regarding XXXX unauthorized transactions totaling {$11000.00} on my account serviced by Chime and issued by The XXXX Bank, XXXX. On XX/XX/year>, I reported these transactions as fraudulent and a claim was opened. On XX/XX/year>, I was notified that the investigation was completed and that no error occurred. However, I was not provided with any documentation or explanation supporting this conclusion. The XXXX Bank has since responded by stating that Chime maintains the relevant documentation and instructed me to contact Chime directly. This has resulted in both parties deflecting responsibility and refusing to provide evidence. This is unacceptable and appears to violate my rights under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. I am entitled to a reasonable investigation and a clear explanation of the findings, including access to the documentation used to deny my claim. To date : - I have not received any transaction-level analysis - I have not been provided IP logs, device information, or authorization proof - I have not received any evidence showing that these transactions were authorized by me The volume and nature of the transactions ( 140 in a short timeframe totaling over {$11000.00} ) strongly indicate fraud and should have triggered a more thorough investigation. I am requesting the following : 1. A full reimbursement of the unauthorized transactions totaling {$11000.00} 2. A complete copy of the investigation file and all supporting documentation 3. A detailed explanation of how it was determined that no error occurred If this matter is not resolved, I am prepared to pursue further action, including complaints with additional regulators and legal remedies. I am in financial distress as a result of this issue and need immediate resolution. Desired Resolution : Refund ; Documentation ; Proper investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX, I requested that Santander complete the interstate title transfer for my vehicle from Florida to Georgia. At that time, I registered the vehicle in Georgia and received Georgia license plates, but the title itself remained in Florida under XXXX control. On XX/XX/XXXX, when I attempted to trade in the vehicle, the dealership pulled the XXXX report and informed me that Georgia had no record of a title print date or title issuance. This confirmed that the title transfer had never been completed by Santander. Since then, I have contacted Santander every XXXX days to follow up on the status of the transfer. On XX/XX/XXXX, Santander told me that I needed to obtain a letter from the Georgia tag office requesting the outofstate title. The Georgia XXXX XXXX had already sent this request to Santander XXXX times in XXXX. I still obtained the letter and emailed it to Santander. After sending the letter, I called again and was told that I now needed to take a different letter to the Georgia tag office stating that I had moved to Georgia and that the Georgia Department of Motor Vehicles should allow me to register the vehicle and issue a Georgia title. The vehicle is already registered in Georgia, and the tag office confirmed that only the lienholder can request and complete an interstate title transfer. On XX/XX/XXXX, the Georgia tag office again informed me that they can not initiate or complete the transfer and that this responsibility belongs solely to the lienholder. I am unable to sell or trade my vehicle because Santander has not completed the required title transfer and continues to give contradictory instructions that do not resolve the issue. I am requesting assistance in getting Santander to complete the interstate title transfer so Georgia can issue the correct title.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Dear CFPB : I am filing this complaint against Bank of America , N.A . for its refusal to reimburse {$13000.00} in connection with a fraudulently altered XXXX XXXX check, in violation of applicable law and to my substantial financial harm. Description of the Problem I have been a Bank of America customer for approximately XXXX years, using the bank 's Bill Pay service to issue monthly rent payments. In XX/XX/year>, a check for {$13000.00} generated and mailed by Bank of America on my behalf was intercepted, the payee name was altered to an unknown individual, and the check was fraudulently cashed. I never handled the check ; it was at all times in Bank of Americas custody until mailed. Upon discovering the fraud in XXXX XXXX, I immediately contacted Bank of Americas Fraud Department and Bill Pay Department and initiated a formal dispute. I have provided all requested documentation, including the banks own check images confirming the material alteration. Despite approximately 810 months of follow-up, Bank of America has denied my claim and told me to pursue the individual who cashed the check. This denial is legally incorrect. Under UCC 4-401, Bank of America may only debit my account for items that are " properly payable '' A materially altered check is not properly payable. Under UCC 3-407, the material alteration of the payee voids the instrument as altered. Bank of America paid a void instrument and must bear the resulting loss not the customer. What I Would Like the CFPB to XXXX XXXX Bank XXXX XXXX handling of this claim and its denial practices for fraudulently altered XXXX XXXX checks ; XXXX Bank of America to provide a written explanation of the legal basis for its denial ; Facilitate resolution including full reimbursement of {$13000.00}. XXXX XXXX Bank of America check images confirming altered payee Written landlord confirmation of non-receipt Fraud dispute correspondence with Bank of America Chronological timeline of events

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 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Sherloq Group, Inc
State: NH

Complaint narrative:
I received this text message from a company that is not fully identified asking for debt monies they claim that I owe them, but havent told me about yet. A notice from SHERLOQ Financial, a debt collector. To view, click XXXX. The password is your 5 digit ZIP. Or, visit paysherloq.com ; your reference number is XXXX. Reply STOP to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: NC

Complaint narrative:
My phone was stolen on XX/XX/year>, which caused me to lose access to my financial accounts, including my account with Chime. I did not regain access to my accounts until XX/XX/year>, when I obtained a replacement phone. After regaining access, I reviewed my account on XX/XX/year>, and discovered multiple unauthorized transactions totaling over {$4000.00} including transactions conducted through XXXX XXXX. I did not authorize any of these transactions and did not give anyone permission to use my debit card, phone, or financial accounts. I promptly reported the unauthorized transactions to Chime and filed a police report regarding the theft and fraud. Despite this, Chime denied my claim, stating that no error occurred. Chimes decision does not properly consider that my phone was stolen and I had no access to my accounts during the time the transactions were made. These transactions were unauthorized electronic fund transfers. I am requesting a full reinvestigation and reimbursement of the {$4000.00} in unauthorized transactions in accordance with my rights under Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MD

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation