vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 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: NV

Complaint narrative:
On XX/XX/XXXX i was robbed. They stole my phone and wallet. They used my phone and chime app to access my account and steal my money. i went to the police and made a police report. I provided chime with all the information and they keep denying my dispute. After talking to chime, they were supposed to disable the app to prevent further fraud and they never did. So the thiefs were then able to go back in and steal my whole pay check that got deposited 2 days later

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates for continued inaccurate and unverifiable credit reporting despite multiple prior disputes and supporting documentation provided to XXXX and through the CFPB process. Portfolio Recovery Associates continues reporting a collection tradeline tied to an alleged XXXX XXXX XXXX account while failing to provide competent evidence establishing lawful ownership, complete chain of assignment, or accurate account-level documentation. I formally requested proper validation and Method of Verification ( MOV ), including documentation reviewed, proof of the Date of First Delinquency, and evidence supporting the reported balance and reporting timeline. Instead of conducting a lawful and reasonable investigation, Portfolio Recovery Associates and XXXX appear to have relied on automated e-OSCAR dispute processing and generic responses. XXXX marked the tradeline as updated, yet no meaningful correction or deletion occurred. The account continues reporting despite unresolved verification concerns. The reporting remains inaccurate, incomplete, and misleading. The tradeline has caused ongoing financial harm and has interfered with current land financing opportunities through XXXX XXXX XXXX XXXX. I was specifically advised that this derogatory Portfolio Recovery trade line must be removed before financing approval can move forward. Portfolio Recovery Associates has failed to provide : Complete chain of assignment/ownership documents Original signed agreement bearing the consumers signature Account-level billing/payment history Competent evidence supporting the Date of First Delinquency Documentation proving the reported balance and delinquency timeline are accurate Evidence of a reasonable investigation beyond automated dispute verification systems. I request immediate deletion of this trade line from all consumer reporting agencies if Portfolio Recovery Associates can not provide competent documentary evidence fully validating and verifying the account and reporting history pursuant to the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: COMMERCE BANK
State: MO

Complaint narrative:
b'On XX/XX/2026, I was charged XXXX by XXXX XXXX XXXX XXXX XXXX through XXXX as what appeared to be a trial charge. Just 48 hours later, on XX/XX/2026, XXXX was automatically charged to my Commerce Bank checking account debit card. This card was listed as a XXXX backup payment method, I did not knowingly authorize this specific card for a recurring subscription with this merchant. A second charge of XXXX was taken on XX/XX/2026.I filed a dispute with Commerce Bank, assigned Investigation XXXX. On XX/XX/2026, Commerce Bank denied my dispute citing "proof of authorization." However, the initial XXXX trial charge hit a different card (XXXX XXXX XXXX) than the XXXX charges that followed on my Commerce Bank card. A 48-hour undisclosed trial period that auto-routes to a backup card is not clear, conspicuous authorization as required under Regulation E. When I attempted to contact the merchant directly using the contact information shown on the XXXX activity receipt, I received no response. The merchant\'s email (XXXX) and phone number (XXXX XXXX) are unreachable. Commerce Bank denied my dispute without providing me the supporting documentation they said I could request. Total unauthorized charges: XXXX.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
Through this CFPB complaint, I am formally asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by submitting a combined dispute and validation request to Central Portfolio Control. I have attached a detailed written request that outlines all necessary documentation to validate the alleged debt. Specifically, I am requesting : A complete copy of the original signed contract or agreement that created the alleged obligation. A full itemized account history, including all charges, payments, interest, fees, adjustments, and charge-offs. Documentation showing that Central Portfolio Control currently owns the debt, including any purchase or assignment contract. The name and address of the original creditor. Copies of any prior notices or communications, including the validation notice required under 15 U.S.C. 1692g ( a ). Additionally, to verify the accuracy and completeness of the information associated with this account, I have requested : The Date of First Delinquency ( DOFD ), as recorded by the original creditor. The charge-off date of the account. The assignment or purchase date, including documentation of the transfer to Central Portfolio Control. The full data set maintained for the account ( status, balance, date opened, dispute codes ). A description of the investigation procedure used, if this account has previously been disputed. This complaint ensures the request is formally submitted through a regulatory channel, with full documentation. Please ensure that all 10 items requested in the attached letter are addressed completely and directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
Through this CFPB complaint, I am formally asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by submitting a combined dispute and validation request to CONTRACT CALLERS INC. I have attached a detailed written request that outlines all necessary documentation to validate the alleged debt. Specifically, I am requesting : A complete copy of the original signed contract or agreement that created the alleged obligation. A full itemized account history, including all charges, payments, interest, fees, adjustments, and charge-offs. Documentation showing that CONTRACT CALLERS INC currently owns the debt, including any purchase or assignment contract. The name and address of the original creditor. Copies of any prior notices or communications, including the validation notice required under 15 U.S.C. 1692g ( a ). Additionally, to verify the accuracy and completeness of the information associated with this account, I have requested : The Date of First Delinquency ( DOFD ), as recorded by the original creditor. The charge-off date of the account. The assignment or purchase date, including documentation of the transfer to CONTRACT CALLERS INC. The full data set maintained for the account ( status, balance, date opened, dispute codes ). A description of the investigation procedure used, if this account has previously been disputed. This complaint ensures the request is formally submitted through a regulatory channel, with full documentation. Please ensure that all 10 items requested in the attached letter are addressed completely and directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, XXXX placed a 7-day hold on {$150.00} from a crypto sale. XXXX support stated the funds will not be released until XX/XX/year> at XXXX XXXX and said they do not have a way to release the funds sooner. The crypto purchase was funded from my available XXXX balance, not a new bank transfer. I asked XXXX multiple times to identify the specific reason for the hold or identify any uncleared funding transaction tied to the purchase. XXXX did not identify any specific uncleared transaction and stated they were not provided any specific reason for the crypto hold. These funds are my only available money and were borrowed for immediate needs. I requested hardship review and early release, but XXXX refused. XXXX support reference number : XXXX. Requested resolution : I want XXXXPayPal to immediately release the {$150.00} or provide a specific written explanation identifying the exact reason and exact transaction causing the hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optio Solutions, LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/year> QUALIA COLLECTION SERVICE XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Dispute of Alleged Debt Account Number XXXX XXXX XXXXXXXX To Whom It May Concern : I am writing to formally dispute the validity and accuracy of the above-referenced account that has been reported and/or collected by your company. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am disputing this account on the basis that the information being reported and furnished is incomplete, inaccurate, and has not been properly verified. Additionally, I dispute the disclosure, furnishing, and acquisition of my personal information by your company. I never provided written authorization, consent, or any form of opt-in agreement permitting my information to be obtained, shared, furnished, or reported in connection with this alleged debt. I believe that my personal information has been disclosed without proper authorization and that the parties involved have failed to ensure the confidentiality and accuracy of the information being reported. Furthermore, I assert that the original creditor, XXXX XXXX XXXX has furnished inaccurate information regarding this account. The account in question was not opened by me. To the best of my knowledge, the account was opened and maintained by my grandmother, XXXX XXXX XXXX, and not by me. Therefore, I dispute any attempt to hold me responsible for this alleged obligation. As a result, I request that you : XXXX. Conduct a thorough investigation into this matter. XXXX. Provide complete documentation demonstrating that I am legally responsible for this debt. XXXX. Provide copies of any signed agreements, applications, contracts, or other records bearing my signature that establish liability. XXXX. Cease reporting any inaccurate or unverified information regarding this account. XXXX. Remove this account from any credit reporting agency to which it has been furnished if it can not be verified as accurate and complete. XXXX. Provide me with the results of your investigation in writing. Under the Fair Credit Reporting Act, consumers have the legal right to dispute incomplete or inaccurate information, and furnishers of information have a duty to investigate disputes and ensure the accuracy of any information they report. Please consider this letter a formal dispute and request for validation of the alleged debt. I expect a timely written response regarding the outcome of your investigation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lendmart, LLC
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair 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. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have a Bank of America XXXX XXXX XXXX XXXX credit card that carried a small balance after a 0 % promotional period ended in early XXXX. I was enrolled in automatic recurring payments on this card, set to pay the Total Minimum Payment Due. This autopay was active and functioning : a recurring autopay payment was successfully received on XX/XX/year>. After that, the recurring autopay payments began failing. Bank of America 's own payment activity shows recurring autopay attempts on this card that are marked Failed on XX/XX/year> ( {$45.00} ) and XX/XX/year> ( {$46.00} ). In other words, the bank 's automated system attempted to collect these payments and the attempts failed, while I reasonably believed my autopay was handling the small balance as it had before. The minimum payments at issue were small, roughly {$45.00} to {$47.00}. I held a linked Bank of America savings account at the same institution with a balance of approximately {$120.00} throughout this entire period, more than enough to cover every one of these payments many times over. At no point did Bank of America contact me, by phone, email, text, mail, or app notification, to alert me that my recurring autopay was failing, that the account was past due, or that negative information was about to be reported to the credit bureaus. The bank watched its own automated payments fail across multiple cycles on a balance under {$50.00}, had my funded savings account at the same bank, and reached out to me zero times before reporting me. Bank of America then furnished negati ve delinquency information to the credit reporting agencies. My credit score dropped by approximately XXXX points. I did not learn of any of this from Bank of America. I discovered it only by chance when I checked a credit monitoring app. When I called to address this, I was treated unprofessionally by an escalation manager and the matter was not resolved. Reporting a customer as severely delinquent over a sub- {$50.00} balance, when that customer had active autopay that the bank 's own system was attempting and failing to process, had more than enough money in a linked account at the same bank, and was never once contacted before the negative reporting, is fundamentally unreasonable and the resulting harm is grossly disproportionate to the amount involved.

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 2026-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: DELMAR FINANCIAL COMPANY
State: GA

Complaint narrative:
I had my roof replaced in XXXX, and Delmar Loancare uses Insurance Claim Check to verify repairs are complete. The problem is, Insurance Claim Check offers two solutions : using their website or a phone number. I get an error message telling me to call the phone line when I use the site, and when I call the phone line they tell me I must use the site. In the meantime, they are sending me letters informing me that I am in breach of the security note on my house. There are no other contact options available.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: FL

Complaint narrative:
I am filing a formal complaint against I.Q. Data XXXX XXXX XXXX for explicit violations of the FDCPA ( 15 U.S.C. 1692g ) and the FCRA for attempting to collect an inaccurate, inflated, and legally settled debt. This collection agency placed a {$560.00} derogatory account on my credit file. I never received any statutory initial communication or a mandatory 5-day disclosure notice from them. Upon forcing a debt validation response, I.Q. Data provided an itemized breakdown consisting of a {$160.00} application fee, a {$250.00} administrative fee, and two separate {$75.00} NSF charges. This entire balance is highly inaccurate and legally invalid. The underlying {$410.00} application and administrative fees stem from a property application via " XXXX. '' This exact balance was previously split equally ( {$200.00} each ) between myself and my co-applicant, XXXX. My financial institution, XXXX XXXX, formally resolved both shares of this credit card dispute in our favor. I.Q. Data is attempting an unlawful double-recovery by seeking the full, un-split amount from me. Furthermore, the two {$75.00} NSF charges are completely fraudulent and predatory, as this transaction was processed via a credit card, which does not incur non-sufficient fund penalties. I proactively sent a formal Debt Validation Request via certified mail, delivered on XX/XX/2026. Instead of correcting these blatant billing errors, I.Q. Data chose to continue collection activity by verifying this false {$560.00} balance as " accurate '' to XXXX during a recent dispute investigation. This unlawful credit reporting directly resulted in a credit card application denial, causing me severe and measurable financial harm. Because I.Q. Data International is falsely representing the character and amount of this debt, I demand that this trade line be permanently deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION
State: AL

Complaint narrative:
XX/XX/XXXX Loan origination. Started payments on this date. XX/XX/XXXX Checked loan balance and noticed an increase in balance XX/XX/XXXX Checked loan balance and noticed an increase in balance XX/XX/XXXX, XXXX Contacted Sallie Mae customer service line to request TILA and all documentation related to the loan. XXXX, the customer service representative informed me that they did not have a TILA on file or available for me to review but offered to send all application information and that it would take 10 business days for the information to be received to my personal email. I have questions in regards to my loan balance increase even with steady payments over ten years. Payments are still being made to present day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, states that a consumer reporting agency is required to block and remove any information identified as resulting from identity theft within four business days of receiving proper documentation. As I am a victim of identity theft and have no knowledge of the accounts in question, this law requires that all such fraudulent accounts be blocked and removed expeditiously from my consumer report. Please note that these same fraudulent items have already been deleted from my file with XXXX due to confirmed identity theft. In light of this, I expect XXXX XXXX XXXX to take immediate and consistent action to block and remove these accounts without delay. XXXX XXXX Bank Name : XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Bank Name : XXXX XXXX, XXXX Account Ending : XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Dispute claim which was honored by citibank. I received notice in mail that claim was honored and a cashier 's check was being mailed out separately. However, this check was never received. I spoke to representatives after the fact and they said new check was to be issued, however this has never happened. When I call back they give me the run around or put me on hold for hours. Attached is letter confirming that claim was honored.

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