vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Self Financial Inc.
State: TX

Complaint narrative:
I am filing this complaint against Self Financial , Inc. and its banking partner Lead Bank regarding a fraudulent account established and reported in my name without my knowledge, authorization, or consent. As documented in my attached identity theft affidavit and Federal Trade Commission report ( Report Number : XXXX ), I have formally declared that I am a victim of identity theft and that any accounts, transactions, or obligations associated with my name and identifying information that were not expressly authorized by me are invalid, disputed, and the result of fraud. Specifically, records show that an account associated with Self/Lead was opened fraudulently around XX/XX/year> and later discovered in XX/XX/year>, with unauthorized activity tied to my identity. Despite notice of fraud and submission of supporting documentation, these entities have continued to report and maintain this account without conducting a lawful and reasonable investigation, causing ongoing harm to my consumer profile and financial standing. I am hereby demanding a full and complete accounting of this alleged obligation, including but not limited to : Identification of the true owner and current holder of the alleged debt Full chain of title showing any transfer, assignment, or sale of the account All records evidencing how the account was created, including the original application and any agreements Verification of any interest claimed, including how such interest was calculated and by whom Documentation showing the authority under which Self Inc. and/or Lead Bank claims the right to report, service, or collect on this account Additionally, I demand disclosure of all third parties involved in the handling, servicing, or reporting of this account, including any entities that may have purchased, securitized, or otherwise obtained an interest in the alleged obligation. At no time did I knowingly enter into any agreement with these entities, nor did I grant authorization for any account to be opened in my name. Any such activity constitutes fraud and misrepresentation. This complaint serves as formal notice that I dispute the validity of this account in its entirety and require its immediate removal from all consumer reporting agencies, along with the cessation of any collection or reporting activity. Failure to provide the requested accounting and to correct this matter will be considered willful noncompliance and a continued violation of my rights as a consumer and victim of identity theft. I expect a timely response and documented resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: Netspend Corporation
State: SC

Complaint narrative:
I applied and paid an insurance bill for a XXXX XXXX with the merchant and I never received the bond. I reached out to the merchant several of times and to no avail I received no response. I then reached out to my cardholder service seeking to file the dispute to get my money back and I was advised that a credit would be applied to my account while the dispute is in process. Ive expressed to the company several of times that I needed my money back and that this is an urgent matter, and was told that they would be releasing my {$5000.00} by Friday, XX/XX/XXXX. As of today, Tuesday XX/XX/XXXX, the funds are yet to be released. I called to see why and was told that the dispute was closed but still under investigation, which makes completely no sense at all. I need my money back and will go to the extent of the dispute to get my money back. If need be I will seek legal action.

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 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am disputing {$3900.00} ( Invoices XXXX XXXX XXXX XXXX XXXX ) for ineffective automotive repairs. The merchant ( XXXX ) charged for a radiator and control arms that failed to fix the reported leak and noise. A secondary shop ( XXXX XXXX ) later proved these were misdiagnoses, fixing the issues with a {$20.00} hose and a torque adjustment. The merchant also damaged my vehicle 's XXXX XXXX XXXX requiring a {$780.00} repair at XXXX. Synchrony Bank Procedural Failures : Misleading Status Updates : I faxed expert evidence on XXXX. On XX/XX/XXXX, a bank representative confirmed receipt and stated the claim was " under review. '' However, I later discovered the claim ( XXXX XXXXXXXX ) had already been rejected on XX/XX/XXXX. Failure to Consider Evidence : The bank reached a decision against me while my documentation was allegedly in transit or unreviewed, despite a representative later admitting the merchant provided no rebuttal evidence. Legal Violation : I have not received a written explanation for the denial, as required by the Fair Credit Billing Act. Resolution Sought : Permanent reversal of the {$3900.00} in charges due to documented failure to repair and merchant negligence.

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 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I purchased car tabs and registration for my car from XXXX XXXXXXXX. When I reached out to the XXXX XXXX XXXX, they refused to help me because I no longer owned the car. I had purchased a new car and I was told when I received the registration and tabs, to return them for a refund. I filed a dispute with Citi Bank. Sent the documentation requested and I heard nothing from Citi Bank. Months later I contacted Citi Bank and I was told they never received the requested information. I informed them I could see the documentation I submitted and it was suggested I resubmit the documentation. To date, I have heard nothing from Citi Bank.

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 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/XXXX at XXXX in the XXXX I attempted to send {$50.00} to my sister-in-law in XXXX XXXX through XXXX XXXX I kept getting server errors. I called customer service and was transferred to the XXXX department to a supervisor named XXXX. One had me do multiple things to help the account such as logging on and off and so forth. We even tried to move funds from my account into the XXXX wallet. That transaction was successful. But when trying to submit to my sister-in-law, we kept getting the error signed from the server. He said he was going to escalate this and it should be resolved in the next XXXX hours. At XXXX, I attempted to login and noticed that my account was frozen. The message said to check my email. I checked my email and they said there was unusual activity on my account and that they froze and that I need to submit my drivers license to them. I called them back and again spoke to XXXX. He said this was an error on our side. Your account should never have been frozen. there is no suspicious or unusual activity. He will escalate this and get it resolved immediately. I called at XXXX XXXX since my account was still frozen. I spoke with another woman which I could barely understand her. She told me I would have to wait seven business days. They have my {$50.00} and will not release it or return it back to where it came from. I have begged them and told them Im on Social Security and I need help. On XX/XX/XXXX at XXXX XXXX I contacted customer service again. They said theres nothing they can do for me. I will have to wait five business days for them to review my account. I asked for a supervisor again and they told me that I will just have to wait the time and they must have my ID. I said then close my account and return my money. They said we will not return your money until you provide us your ID. I explained to them about identity, theft, and people hacking in the computers, and I am very uncomfortable with submitting my drivers license to them. I have contacted XXXX of my friends that use XXXX. None of them have ever had to submit their ID. Now Im told they will not return my money unless I provide the ID. Please help me. I think this is elder abuse help help help. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I am very stress trying to take care of this matter, the more I try the worse my situation gets. I really need help with this issue please. No matter what I do it's not working. I am a single parent trying to make ends meat, it is very stressful without help with the day to day struggles.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: RI

Complaint narrative:
JEFFERSON CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL LL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Central Portfolio Control Inc.
State: AR

Complaint narrative:
I have recieved multiple texts messages requesting a debt to be paid by a collector I have even known about and it's getting to be a lot of messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
I am filing a complaint regarding Rocket Mortgages failure to correct an inaccurate XXXX insurance requirement on my loan, despite being provided with the appropriate and federally recognized documentation. The FEMA XXXX XXXX XXXX to my XXXX has indicated XXXX XXXX XXXX ( outside the XXXX XXXX XXXX XXXX ) since XXXX. This is not a recent change in XXXX XXXX. In XX/XX/XXXX, through my own due diligence and review of FEMA XXXX, I discovered that my XXXX had been incorrectly treated as being within a XXXX XXXX XXXX, resulting in my being required to carry XXXX XXXX unnecessarily. A FEMA Standard XXXX XXXX Determination Form ( XXXX ) dated XX/XX/XXXX confirms that my XXXX is located in XXXX XXXX XXXX and is not within a Special XXXX XXXX XXXX ( XXXX ), and therefore does not require XXXX insurance. Another federally regulated lender, XXXX Bank, reviewed this same XXXX and promptly removed the XXXX insurance requirement for my XXXX. Since XX/XX/XXXX, I have repeatedly submitted the following documentation to Rocket Mortgage : FEMA Standard XXXX XXXX Determination Form ( XXXX ) dated XX/XX/XXXX Confirmation from XXXX Bank that XXXX insurance is not required Updated insurance declaration page ( submitted multiple times by my insurance agent ) Despite this, Rocket Mortgage has failed to update its records or correct the XXXX determination. I have received repeated and conflicting responses, including requests for documentation already provided and incorrect direction to obtain a FEMA letter. On XX/XX/XXXX, I submitted a formal escalation request clearly identifying this as a XXXX determination issue. I was advised to allow XXXX days for processing ; however, more than XXXX weeks have passed with no resolution. As a result of Rocket Mortgages failure to correct this error, my XXXX insurance XXXX is unable to issue a refund of premiums already paid, causing me financial harm. I have paid over {$70000.00} for insurance I am legally not required to have since the FEMA maps were updated in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
In XX/XX/year>, my vehicle was repossessed and the repo agent refused to let me retrieve my personal belongings from inside the XXXX and XXXX. I contacted Exeter Finance immediately next day to ask where my items were being stored so I could pick them up. Instead of providing the location, Exeter told me I had to pay {$1500.00} before they would release any information about my belongings. They repeatedly refused to tell me where my property was unless I paid this amount. This is illegal. A lender can not charge a fee or hold a consumers personal property hostage after repossession. Because Exeter refused to provide the location without payment, I was never able to recover any of my belongings, including important documents and items belonging to my XXXX. Their actions resulted in the loss of all my personal property and caused financial and emotional harm. I am requesting investigation into Exeters conduct and accountability for withholding my belongings and demanding payment for their return.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
I am currently pursuing Public Service Loan Forgiveness ( PSLF ) and have 63 qualifying payments on my account. My loans are consolidated and I am employed with a PSLF-eligible employer, with my employment properly certified. I submitted an Income-Driven Repayment ( IDR ) application on XX/XX/year>. As of today, more than 4 months later, my application has not been processed and I have received no meaningful updates or timeline from MOHELA. During this period, I have been placed into administrative forbearance through no fault of my own. I contacted MOHELA and was explicitly told that there is no processing timeline and that these months will not count toward PSLF. This delay is entirely due to servicer inaction, yet I am being penalized by losing qualifying PSLF months despite meeting all requirements. I am actively progressing toward PSLF and this situation is directly delaying my path to forgiveness. Additionally, after being notified that I could not pursue both Teacher Loan Forgiveness ( TLF ) and PSLF, I made multiple documented requests to cancel my TLF application via phone, email, and online messaging. Despite these requests, the TLF application was still processed by MOHELA. I have retained proof of these cancellation attempts. This represents a failure to follow borrower instructions and raises concerns about the accuracy and handling of my account.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Sparrow Financial, Inc.
State: NY

Complaint narrative:
I am filing this complaint against Sparrow Financial / XXXX Bank regarding inaccurate late payment history and charge-off reporting on my credit reports. Sparrow claims my payments were returned for insufficient funds ( NSF ) between XXXX and XX/XX/year>. I provided XXXX bank statements proving I had thousands of dollars available on the dates Sparrow claims NSF occurred. Sparrow 's response was that the statements were from a different bank account than the one linked however Sparrow refused to identify which account was linked or provide any ACH trace numbers, return codes, or processing logs to verify the returned payments despite multiple formal requests. Without providing ACH documentation, Sparrow can not verify their reporting is accurate. I requested this documentation multiple times and was refused each time. Sparrow has now confirmed the debt was sold to XXXX XXXX XXXX without resolving the underlying dispute. I am requesting the CFPB require Sparrow to provide the ACH trace numbers and return codes for each returned payment, and delete the inaccurate late payment history and charge-off from XXXX XXXX, and XXXX if they can not verify the payments were properly presented to my bank. XXXX bank statements attached as supporting evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Heres a clear, firm dispute you can submit to the Consumer Financial Protection Bureau about an account from National Credit Systems you dont recognize. You can paste this into their complaint form and adjust details as needed : -- - * * Subject : * * Dispute of Unrecognized Debt Request for Validation and Removal * * Complaint : * * I am writing to dispute a debt reported/collected by National Credit Systems that I do not recognize and believe may be inaccurate or fraudulent. I recently became aware of this account when reviewing my credit report. I have no knowledge of this debt, did not open any account with the original creditor, and have not entered into any agreement that would result in this obligation. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting that National Credit Systems provide full validation of this alleged debt. Specifically, I request : * The name and address of the original creditor * The account number associated with the alleged debt * Documentation showing I am legally obligated to pay this debt ( such as a signed agreement or contract ) * A complete payment history and itemization of the amount claimed * Proof that National Credit Systems has the authority to collect on this debt If National Credit Systems can not provide sufficient documentation to validate this debt, I request that the account be immediately removed from all credit reporting agencies and that all collection efforts cease. Additionally, if this account is the result of identity theft or mistaken identity, I request an investigation and correction of my credit file as required by law. Please note that I am formally disputing this account and request that it be marked as disputed on my credit reports. I expect a timely response and resolution in accordance with applicable federal laws. Preferred resolution : Validation of the debt OR Immediate deletion of the account from my credit report and cessation of collection efforts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: OK

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained tiefficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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