vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CARTER-JONES COLLECTION SERVICE, INC
State: OR

Complaint narrative:
Carter-Jones Collection Service Inc filed a small claims lawsuit against me on XX/XX/year> claiming to be the legal owner and assignee of a medical debt of {$890.00}. On XX/XX/year> I sent a formal written validation request by certified mail and email demanding chain of title documentation. Over the next 52 days Carter-Jones sent two inadequate responses with no assignment documentation. The assignment document was produced for the first time during the active hearing on XX/XX/year> mid-proceeding with no prior notice, denying me any opportunity to examine or challenge it. A judgment of {$1100.00} was entered against me. I filed a motion for relief which was denied on XX/XX/year>. The denial order found that Carter-Jones `` is not a debt buyer and represents the original creditor. '' This directly contradicts Carter-Jones 's own court filing in which they presented an assignment document claiming to be the legal assignee and owner of the debt. Carter-Jones used ownership status to obtain a court judgment and agency status to avoid mandatory consumer disclosure requirements. Owner XXXX XXXX admitted on the court record that mandatory disclosure requirements have never been complied with in his forty years of collections. Full narrative and all supporting documents are attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
To whom it may concern : Please be advised that this is my second written request for you to remove the unverified account list below that remains on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of federal law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is Mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. Also, why did you not send me copies of the verification like I asked? As I am sure you are well aware, current case law states that consumer reporting agencies bear grave responsibilities to ensure the accuracy of the account they report on and their responsibility must consist of something more than merely parroting information received from other sources. The courts have ordered that a reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations proposed by section 1681 ( a ) ( 4 ). You have NOT provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA. You are required to... promptly DELETE all information which can not be verified. The law is very clear as to the civil liability and the remedy available to me for negligent non-compliance ( section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following account be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CEX.IO CORP.

Complaint narrative:
I have been a CEX.IO user for many years. Recently, I attempted to withdraw funds to my bank card. The platform requested documents for an old card that was replaced by my bank. I was unable to provide these documents as the card no longer exists. Shortly after, CEX.IO closed my account without explanation, stating only that the decision is final and details can not be disclosed. I was told to withdraw my funds using available methods, however all withdrawal options both cryptocurrency and XXXX are currently unavailable on my account. My only card is a XXXX, and the platform appears to have issues with XXXX withdrawals. I have sent multiple emails requesting a solution but have not received a concrete answer on how to access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CNG FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/year>, I was contacted by phone from XXXX by an individual claiming to represent a debt collection company. The caller stated that someone would be coming to my residence on XX/XX/year>, and instructed me to call XXXX to discuss my options. I called the number provided and spoke with a man identifying himself as XXXX. He claimed I owed approximately {$800.00} to Check N Go and stated that a courier would be dispatched to my home the following day unless I paid the balance immediately. I informed the caller that I was unable to locate any such debt on my credit reports and began asking questions regarding the alleged debt, the companys identity, and validation information. At that point, the caller became irritated and disconnected the call. When I called back, the caller stated that if I had just agreed, he would have reduced the amount to {$600.00}. After additional discussion, he further reduced the alleged debt amount to {$500.00}. This raised significant concerns regarding the legitimacy of the debt and the companys practices. When I requested the companys full name, address, and website, I was only told the company was called XXXX. The caller then provided the website XXXX which is unrelated to debt collection activities and appears to have been provided to mislead or confuse me. Ultimately, I authorized a payment of {$500.00} under duress and based on false and misleading representations regarding the alleged debt and threats of someone coming to my residence. I immediately contacted my bank to dispute the transaction and requested an investigation. Following the investigation, my bank ruled in my favor. I believe this company engaged in deceptive, coercive, and potentially fraudulent debt collection practices, including misrepresentation of the debt, refusal to provide proper validation information, and intimidation tactics designed to pressure payment. I am requesting a formal investigation into this matter. Additionally, I received an email from XXXX containing what appeared to be a payment receipt. The document displayed XXXX XXXX letterhead and referenced XXXX Billing regarding an alleged delinquent account with XXXX XXXX. The email instructed me to call XXXX and reference account number XXXX. The use of multiple company names, phone numbers, and inconsistent business identities further increased my concern that these parties were intentionally misleading consumers regarding the legitimacy of the alleged debt and collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: KY

Complaint narrative:
I refinanced my mortgage and during the closing with XXXX XXXX which is subserviced by XXXX XXXX my escrow account of {$2700.00} was never returned. I have called this company four times, and emailed them mutiple times and all I received from them is they need more time and have to do more research to find a resolution. The company keeps moving my complaint from incoming research to outgoing research and every time they do that it resets how long the " research process '' takes. My refinance closed on XX/XX/XXXX XXXX and its XX/XX/year> and they have not refunded my escrow deposit. When you call the customer service line they direct you to email them and when you email the company they bounce around your complaint and do not offer a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
ATM didnt dispense my money {$40.00}. I filed a dispute. It has been 56 days and received no updates or answers from them as to why so long.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 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: MN

Complaint narrative:
I received numerous duplicate charges and disputed them. Chime erroneously denied them after investigating. Chime has now deleted transactions from my account and in addition is attempting to bill me for charges they didn't reverse. They also applied overdraft fees. I have a total of {$600.00} at minimum that has been stolen from me by Chime Numerous customers have been victims of Chime. They event opened a credit card account I didnt sign up for. I want my account refunded and fees removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I have been a victim of identity thief since XXXX but it has gotten worse a few years ago but this year has been the night mare. In XXXX I was trying to do my taxes and the women didn't do anything but made my pre paid account to close she close my XXXX account that's where I get my XXXX check every month and she has reported my card stolen and was able to get a card issued to her house. My XXXX check should be XXXX but I receive XXXX a month and whatever this lady did my check went to XXXX a month my rent is XXXX a month but I got behind XXXX months and late fees are charged as well my light was XXXX in XXXX. Today is XXXX. I can't get my funds from. My chime account and they have closed it down but can't get my refund til 90 days investigation. They send out a card with our my concent why they didn't investigate before sending out a card to her. And all this started with her hacking my cellphone and email

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: SC

Complaint narrative:
I was XXXX starting XX/XX/XXXX until XX/XX/XXXX. During that time my Chime checking account was steadily drained by XXXX app services somehow. I receive XXXX XXXX and every time I would get a payment, it would instantly be withdrawn at different amounts until it went into the negative. I am talking XXXX and XXXX of dollars. I did not find out about this until around the end of my XXXX. I have filed several disputes with Chime, and even uploaded all documents showing my wallet and phone were also secured and paperwork reflecting I had no access to my accounts to make said transactions. My wallet was at the XXXX and my phone in evidence at the sheriffs office. This has put me in a bad situation financially and the company is not trying to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: KY

Complaint narrative:
I went to XXXX XXXX XX/XX/year> they take all your belongings when you go in phone XXXX debt card everything put in a lock box someone got my belongings out of the lock box an sent six different transactions of XXXX off my chime account I have showed them police report certificate showing I was in XXXX at the time an two defenernt letters from clinical department of the XXXX it on XXXX I have reopened it 17 times Additional information provided by consumer : XXXX Consumer would like the complaint to be sent to Chime Inc . Additional information provided by consumer : XXXX Additional information provided by the consumer : Update company name to Chime

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-23 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX XXXX store card, offered by Citigroup, has lowered my credit limit three times in the past year. My payments have always been made on time. My credit score is not stellar, and it does fluctuate, but I have no derogatory marks on my credit report, and I make all of my payments on time 100 % of the time. I understand that the option for card issuers to change ( raise XXXX lower ) the credit limit on accounts is part of what the customer agrees to when signing up for the card. However, this arbitrary decision has reduced my overall available credit considerably, which has reduced my credit score and, consequently, my credit rating has been damaged. I believe this practice should be regulated by the CFPB. This is predatory, as it unfairly targets low-in come customers whose credit score and rating are already at risk of dropping into " unfavorable '' territory.

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 2026-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had XXXX promotional offers I was using : XXXX expired in XX/XX/XXXX and XXXX in XX/XX/XXXX. I noticed on my recent statement that they were applying my payments to the promotions that expired later, XX/XX/XXXX. I would expect the payments to be applied to the promotions expiring first. That's how all other consumer cards process their payments. I called the customer service phone number and spoke with XXXX different people. I first spoke with XXXX in customer service, and then spoke with a XXXX named XXXX. They both told me there was nothing they could do about it. They did not have a way to apply payments to a specific promotion. So essentially, I do not have until XX/XX/XXXX to pay off the balances without incurring interest. I only have until XX/XX/XXXX. Because of the way they are applying my payments, the promotions expiring in XX/XX/XXXX will be paid off before the promotion expiring in XX/XX/XXXX. That's very misleading and seems like a scam.

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 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX He contacted me via his XXXX account below , saying interested in me love me, His brother got a bankruptcy, and his mother isa sick so that needed my help. First all, he wanted me to investment though " XXXX '' " XXXX ' '' " XXXX '' - I downloaded and sent wire transfer about {$28000.00} then later use my banks ( XXXX and Citibank ) to wire transfer {$60000.00}. XXXX : XXXX XXXX -Hospital XXXX guidance, medical device introduction consultation, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date jointed XX/XX/year>, Account based in XXXX XXXX he said " I have bad news for Baby : the so-called " company bank account '' my bank friend provided seems to be a scam. My bank friend is still telling me today that he hasn't received the funds, so I suspect I've been deceived... # 1 : He said Dear Baby, you can go to the bank and explain to the staff that you entered the wrong bank account number when making the transfer. This way, the bank staff can retrieve the {$10000.00} and return it to your account. Because of my foolishness, I have caused trouble for dear Baby, and I must sincerely apologize for my stupidity. I hope I can receive Baby 's forgiveness. # 2 ; Hello, according to the trading platform 's inspection, your total trading account balance is {$95000.00}, but you have withdrawn funds in the form of cryptocurrency. In XXXX, any cryptocurrency extracted overseas requires the submission of [ Tax ] and [ Account Security Deposit ]. Since you did not withdraw funds in XXXX, you are required to submit 60 % of your total trading account balance as [ Cryptocurrency Tax ] and [ Trading Account Security Deposit ]. The amount to be submitted at the international exchange rate is {$57000.00}. The [ Cryptocurrency Tax ] and [ Trading Account Security Deposit ] submitted will be fully refunded after all funds have been withdrawn from your trading account. The deadline for submitting the [ Cryptocurrency Tax ] and [ Trading Account Security Deposit ] is XXXX business days, or XX/XX/year>. He changed his phone number in this XXXX and gave me new phone number, but the person was different name previous one. also, different language had sent me accidentally. Finally realized this is a fraud.

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 2026-05-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
I rented a residential apartment unit from XX/XX/XXXX through XX/XX/XXXX. Upon move-out, the landlord ( XXXX XXXX, operated by UDR 1590 Grove LLC ) charged {$2900.00} in disputed move-out fees including a {$3200.00} " Rent to Relet '' fee whose dollar amount was left completely blank in the lease the landlord invented the figure unilaterally after move-out. XX/XX/XXXX2023 : My attorney sent the landlord a formal written debt validation demand under the FDCPA and Colorado Fair Debt Collection Practices Act. The landlord never responded and on the same date placed the disputed, unvalidated debt with Columbia Debt Recovery LLC dba Genesis ( Reference No. XXXX ) for collections. XX/XX/XXXX2025 : Genesis sent an initial collection notice stating the balance was {$2900.00} ( {$2900.00} principal plus {$3.00} interest at 8 % per annum ). XX/XX/XXXX2025 : I sent Genesis a formal written dispute via certified mail and their electronic dispute portal, disputing the debt in its entirety under 15 U.S.C. 1692g. I requested : ( 1 ) complete itemization of all charges ; ( 2 ) copies of lease provisions supporting the debt ; ( 3 ) documentation of Genesis 's authority to collect ; ( 4 ) evidence the amount reflects actual mitigated damages rather than an unenforceable penalty clause. Under 15 U.S.C. 1692g ( b ), Genesis was required to cease all collection activity upon receiving my dispute until adequate verification was provided. XX/XX/XXXX2026 : Genesis responded stating only " please find enclosed validation of debt with XXXX. '' No actual validation was provided no lease provisions, no itemization, no assignment documentation, no evidence of mitigation. This does not constitute adequate verification under the FDCPA. Despite my outstanding dispute, Genesis simultaneously demanded {$3500.00} the original {$2900.00} plus {$510.00} in interest accrued at 8 % per annum. Accruing and demanding interest on a disputed, unvalidated debt after receiving a formal written dispute violates 15 U.S.C. 1692g ( b ). Additionally, my attorney had formally requested in XX/XX/XXXX that all communications be directed through their office. Genesis subsequently removed the attorney from the account contact record, violating 15 U.S.C. 1692c ( a ) ( 2 ), which requires communication only with a consumer 's attorney once representation is known. Genesis reported this disputed, unvalidated debt to Experian as a collection account, damaging my credit score, without marking it as disputed as required under the FDCPA. I have a pending Small Claims Court action against Genesis : XXXX XXXX Case No. XXXX, trial XXXX XXXX, 2026. I am requesting the CFPB require Genesis to provide full adequate validation or cease all collection activity and delete the credit reporting entry from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: AZ

Complaint narrative:
This debt was incurred XXXX years after I moved out of the house this utility is connected to. Ive explained this numerous times to the debt collector and they refused to show any proof the debt is mine! # Debt Validation / Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Debt Validation and Verification To Whom It May Concern : I am writing in response to your communication regarding the alleged debt referenced below : XXXX account # XXXX dollars I dispute this debt and request validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Specifically, I request that you provide documentation verifying that this debt was actually incurred by me. Please provide the following : 1. The name and address of the original creditor. 2. Copies of any agreement, contract, application, or signed document showing that I authorized or incurred this debt. 3. An itemized statement showing how the amount claimed was calculated. 4. Documentation showing that your company has the legal authority to collect this debt. 5. The date the debt was allegedly incurred and the date of last payment. Until you provide proper validation of this debt, I request that all collection activity cease and that you do not report or continue reporting this account to any credit reporting agency as verified. If you are unable to provide the requested documentation, I request that the account be removed from your records and from any credit reporting agencies to which it has been reported. This letter is not an acknowledgment or acceptance of liability for the alleged debt. Please respond in writing within the time required by Law Sincerely XXXX XXXX

Company response to consumer: Closed with explanation