vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
So im checking my credit i have a debt for a credit card so i was incarcerated and i was a victim of idenity theft i have no knowledge of this and i would like to get this removed from my credit please and thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am requesting assistance regarding unauthorized debit card transactions on my Chase account totaling approximately {$20000.00}. 

I submitted disputes for transactions involving XXXX and XXXX that occurred between XX/XX/XXXX and XX/XX/year>. I did not authorize, initiate, participate in, or benefit from any of these transactions, and I did not provide my debit card or online banking credentials to any third party. 

After I reported the activity, Chase determined there was a risk of unauthorized access and closed and replaced my checking account, savings account, debit card, and digital wallet. This action confirms that my account was considered compromised. 

Despite this, I am still waiting for the appropriate provisional credit while the investigation continues. My claim is currently listed as in progress. I have provided a sworn statement and supporting documentation explaining that these transactions are inconsistent with my normal activity and are the result of an account takeover, not a merchant dispute. 

Under Regulation E, I am requesting that Chase issue the required provisional credit and conduct a fair and reasonable investigation. I also request written confirmation of how Chase reached any prior decisions if they intend to deny or delay reimbursement. 

Please help ensure my rights under the Electronic Fund Transfer Act are being followed and that my funds are returned while the investigation is completed. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: NJ

Complaint narrative:
So I order something from a unknown websites it was my fault and then I ordered some shoes and a bag and they never came to my address and I used my car through Cash App

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am submitting this complaint regarding credit reporting and furnishing activity related to a rental debt originating from XXXX XXXX XXXX and furnished by XXXX XXXX XXXX. 

I entered into a residential lease with XXXX XXXX, signed on XX/XX/XXXX, and paid required move-in funds, including a refundable security deposit of {$970.00}. After move-out, I received damage charges supported primarily by invoices rather than condition documentation. Property management indicated that no photographs of the unit condition were available and could not confirm pet presence despite pet-related charges appearing on the account. 

The account was assigned to XXXX XXXX and reported to Experian in XX/XX/XXXX. I disputed the tradeline multiple times, with dispute results issued on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Validation materials consisted primarily of lease excerpts and invoices and did not include condition documentation, as reflected in XXXX XXXX response to a prior CFPB complaint and admissions made by a XXXX XXXX representative via email. 

Experian completed a reinvestigation on XX/XX/XXXX and maintained the tradeline. On XX/XX/XXXX, I mailed a written request for Method of Verification under FCRA 1681i ( a ) ( 7 ), which tracking shows was picked up in XXXX, Texas on XX/XX/XXXX. As of this submission, I have not received disclosure identifying the verifying party, the documentation reviewed, or the method of verification. 

Subsequent disputes were opened following submission of the Method of Verification request, including one concluding in XX/XX/XXXX with the account remaining unchanged and the tradeline continuing to report and update ( last reported XX/XX/XXXX ). The account currently reflects as potentially negative while carrying a dispute notation. 

The continued reporting of this account has materially impacted my ability to secure housing and employment, including verbal rental denials, elevated deposit requirements, and transportation limitations resulting from restricted credit access. 

I respectfully request review of : Adequacy of furnisher verification and certification Compliance with Method of Verification disclosure requirements Reasonableness of reinvestigation procedures Accuracy and completeness of reporting

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 2026-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Village Capital & Investment LLC
State: GA

Complaint narrative:
This is my second complaint regarding Village Capitals handling of my loss mitigation and payment options. My prior complaint was closed after regulators accepted the servicers summary without independently reviewing records, documents, or call logs. 


I am requesting a formal, documented review based on evidence, not representations. 


In XX/XX/XXXX, my co-borrower and I accepted a modification offer. We executed the required notarized documents and returned all required materials. Additional documents were signed separately based on availability, as permitted. 


On XX/XX/XXXX, I was informed that the documents were signed incorrectly and that the offer was canceled without a reasonable opportunity to cure. This occurred during the federal government shutdown when HUD oversight was unavailable. 


Shortly thereafter, I participated in a phone call presented as a question-and-answer review. This call was later treated as a verbal reapplication without disclosure and without my co-borrower present. That application was denied. 


A later explanation given to my co-borrower claimed ineligibility due to an alleged two homes issue. This was incorrect. 


I filed complaints with HUD and the CFPB seeking review of these servicing errors. 


In early XXXX, Village Capital issued a new offer requiring payment beginning in XX/XX/XXXX. 


On XX/XX/XXXX, I received a letter stating that XXXX payment was required or the offer would be canceled. 


After that letter, no representative of Village Capital contacted me to confirm my intent to proceed, despite pending complaints. 


Without further contact, cure opportunity, or confirmation of intent, Village Capital canceled the offer.

At no time did I refuse, abandon, or decline this process. I was actively seeking resolution and reasonably relied on regulatory review that was underway.

Village Capitals actions improperly blocked me from resuming payments and placed my home at risk.

I am requesting that this complaint be reviewed based on documentary evidence, including signed documents, correspondence, internal servicing notes, and recorded calls, rather than solely on the servicers narrative. 


I am ready and able to resume payments immediately. I am seeking reinstatement of a payment plan comparable to the XX/XX/XXXX offer, adjusted to current market rates, and written confirmation that I may pay. 


I am not seeking delay, discharge, or foreclosure alternatives. I am seeking correction of servicing errors so I may keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: AR

Complaint narrative:
XXXX XXXX : My SAVE income-driven repayment ( IDR ) plan was approved on XX/XX/XXXX through XXXX, but my loan servicer has failed to implement it correctly. My account shows a past due balance of {$800.00} for over XXXX years, which does not reflect my approved XXXX XXXX monthly payment. 

I was instructed by the servicer not to make payments until my account reflected the correct balance and payment amount. I have been in administrative forbearance since the SAVE approval date, yet the account still shows an incorrect past due balance, and this has negatively affected my XXXX XXXX since repayment resumed in XXXX. 

I have contacted the servicer multiple times via phone over the past XXXX years with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
There were give debits that I did not make. 
The bank denied my claims. 
I asked for a reason and was told it would take ten working days to get the report

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Dave Operating, LLC
State: SC

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX has wrongfully denied my dispute for unauthorized transactions totaling {$950.00} The company denied my claim based on 'frequent authenticated logins ' and 'alert notifications. ' I log into my account frequently as a security measure to monitor my funds. Frequent monitoring does not constitute authorization of a transaction. I reported the fraud as soon as I identified it. 
XXXX, XXXX is in violation of Regulation XXXX ( XXXX XXXX XXXX ) by : XXXX : Failing to provide the documentation and evidence ( XXXX XXXX XXXX ) they relied on for their denial, despite my request. 
XXXX : Refusing to provide provisional credit while the investigation was ongoing or when I requested a reevaluation with new information ( FTC Report ) I am requesting a full reevaluation of my claim and an immediate credit for the unauthorized funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
This complaint is a continuation of my previous CFPB complaint regarding Shellpoint Mortgage Servicing. I am submitting new evidence and updated information that was not available at the time of the original filing. 

On XX/XX/year>, I received a letter from the XXXX  Department of Financial Protection and Innovation ( DFPI ) stating that they were closing my complaint because the property is located in XXXX. DFPI forwarded my complaint to the XXXX  Department of Financial Institutions ( DFI ) for review. I am attaching DFPIs letter for reference. 

I am requesting CFPB review because Shellpoints servicing conduct continues to create significant confusion, risk, and potential violations of Regulation X. The issues include : Conflicting lossmitigation instructions Refusal to accept monthly payments Foreclosure attorney involvement during loss mitigation Excessive property inspections occurring nearly daily A letter falsely stating Shellpoint can not contact me Lack of written clarification regarding my lossmitigation status Potential dualtracking in violation of 12 CFR 1024.41 I have been in continuous communication with Shellpoint through email, secure messages, and certified mail. Despite this, Shellpoint sent a letter claiming they could not reach me, while simultaneously sending property inspectors to my home. 

On XX/XX/year>, Shellpoint blocked my ability to make a payment. When I attempted to schedule my regular monthly payment, the system displayed the message : This loan has a legal status preventing online payments. Shellpoint has not provided any written explanation for this legal status or why payment channels were blocked. 

My assigned lossmitigation point of contact ( SPOC ) also stated in writing that her email does not receive attachments and that she can not fulfill this type of request, directing me instead to a general servicing inbox. This indicates a breakdown in required SPOC continuity under Regulation X. 

I respectfully request that CFPB require Shellpoint to provide : Written confirmation of my current lossmitigation status Written confirmation that foreclosure activity is paused Clarification regarding the foreclosure attorneys involvement Permission to resume monthly payments A complete servicing history A written explanation of all decisions made on my account I am attaching the following documents : DFPI forwarding letter Timeline summary Shellpoint correspondence Letter from XXXX XXXX XXXX Evidence of repeated property inspections My RESPA Request for Information Thank you for reviewing this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2026-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I have been trying to get a replacement card for months due to fraud activity on my account. It was finally sent out a couple days ago, so I am still waiting on it. There are a lot of charges on my account that is not mine and XXXX do not have all of the charges in the open claim. 
XX/XX/year> : XXXX XXXX  : {$21.00} ( this wasn't fraud but I did contact XXXX and stated my XXXX XXXX XXXX ordered this movie by mistake and they said since it was watched already I can not receive a refund. I did not watch and neither did my son XX/XX/year> : XXXX {$69.00} ( fraud ) XX/XX/year> : XXXX {$8.00} ( fraud ) XX/XX/year> : XXXX {$13.00} ( fraud ) XX/XX/year> : XXXX {$7.00} ( fraud ) XX/XX/year> : XXXX {$12.00} ( fraud ) XX/XX/year> : XXXX {$4.00} ( fraud ) XX/XX/year> : XXXX {$8.00} ( fraud ) XX/XX/year> : XXXX {$5.00} ( fraud ) XX/XX/year> : XXXX {$8.00} ( fraud ) XX/XX/year> : XXXX {$14.00} ( fraud ) XX/XX/year> : XXXX {$6.00} ( fraud ) XX/XX/year> : XXXX {$5.00} XX/XX/year> : XXXX {$11.00} ( fraud ) XX/XX/year> : XXXX {$13.00} ( FRAUD ) XX/XX/year> : XXXX {$46.00} ( FRAUD ) XX/XX/year> : XXXX {$5.00} ( FRAUD ) XX/XX/year> : XXXX {$7.00} ( FRAUD ) XX/XX/year> : XXXX XXXX ( FRAUD ) XX/XX/year> : XXXX {$8.00} ( FRAUD ) XX/XX/year> : XXXX XXXX ( FRAUD ) XX/XX/year> : XXXX {$5.00} ( FRAUD ) XX/XX/year> : XXXX {$10.00} ( FRAUD ) XX/XX/year> : XXXX {$10.00} ( FRAUD ) XX/XX/year> : XXXX {$9.00} ( FRAUD ) XX/XX/year> : XXXX {$8.00} ( FRAUD ) XX/XX/year> : XXXX {$12.00} ( FRAUD ) XX/XX/year> : XXXX {$9.00} ( FRAUD ) XX/XX/year> : XXXX {$8.00} ( FRAUD ) XX/XX/year> : XXXX {$8.00} ( FRAUD ) XX/XX/year> : XXXX {$4.00} ( FRAUD ) XX/XX/year> : XXXX {$14.00} ( FRAUD ) XX/XX/year> : XXXX {$1.00} ( FRAUD ) XX/XX/year> : XXXX {$8.00} ( FRAUD ) XX/XX/year> : XXXX {$31.00} ( FRAUD ) XX/XX/year> : XXXX {$2.00} ( FRAUD ) XX/XX/year> : XXXX {$20.00} ( FRAUD ) XX/XX/year> : XXXX {$6.00} ( FRAUD ) XX/XX/year> : XXXX {$9.00} ( FRAUD ) XX/XX/year> : XXXX {$12.00} ( FRAUD ) XX/XX/year> : XXXX XXXX  {$13.00} ( FRAUD ) XX/XX/year> : XXXX {$9.00} ( FRAUD ) XX/XX/year> : XXXX XXXX {$48.00} ( FRAUD ) XX/XX/year> : XXXX XXXX : {$38.00} ( FRAUD ) XX/XX/year> XXXX XXXX XXXX {$34.00} ( FRAUD ) XX/XX/year> : XXXX XXXX {$24.00} ( FRAUD ) XX/XX/year> : XXXX {$110.00} ( FRAUD ) XX/XX/year> : XXXX XXXX XXXX {$12.00} ( FRAUD ) XX/XX/year> : XXXX XXXX {$19.00} ( FRAUD ) XX/XX/year> : XXXX {$6.00} ( FRAUD )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: FL

Complaint narrative:
I am disputing a collection account being reported on my credit related to an alleged vehicle damage claim from XXXX XXXX a XXXX. 

The original creditor, XXXX, asserted a {$1400.00} damage claim months after I returned a rental vehicle. At the time of return, the vehicle was inspected and no damage was noted. I received a clean return receipt. No contemporaneous inspection report or timely notice of damage was provided. 

Despite the lack of substantiated evidence that the damage occurred during my rental period, the alleged balance was placed with a collection agency and reported to my credit. 

I dispute this debt and do not accept legal responsibility for it. The claim is based on a delayed and unsubstantiated damage allegation. The documentation provided consists only of unclear photographs and does not demonstrate that the damage occurred while the vehicle was in my possession. 

I previously attempted to resolve this matter directly with XXXX in writing and did not receive a response. 

I am requesting : 1. Immediate deletion of this collection account from all credit reporting agencies 2. Full validation of the alleged debt, including proof that the damage occurred during my rental period 3. Documentation showing legal assignment of the debt to the collection agency 4. Proof that the damage did not pre-exist my rental period Absent proper validation, continued reporting of this disputed debt is improper.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX and Improper Verification Capital One Account I am submitting this complaint regarding inaccurate credit reporting and failure to ensure maximum possible accuracy under the Fair Credit Reporting Act ( FCRA ). 

My Capital One revolving account is currently being reported by XXXX with a {$0.00} credit limit. However, the same account is being reported by XXXX and XXXX  with a {$300.00} credit limit. This discrepancy materially affects my credit utilization ratio and negatively impacts my XXXX XXXX. 

Under FCRA XXXX ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy. Reporting a {$0.00} credit limit when the account has an established limit is inaccurate and misleading. 

Additionally, this account reflects a XXXX delinquency. I have requested verification of : The accurate date opened The correct credit limit and high credit The full payment history ledger Documentation supporting the XXXX delinquency The XXXX XXXX XXXX codes used To date, I have not been provided documentation validating the reported delinquency or confirming the accuracy of the {$0.00} credit limit XXXX XXXX 

Under FCRA XXXX and XXXX ( a ), both the consumer reporting agency and the furnisher have a duty to conduct a reasonable reinvestigation and ensure accuracy after receiving notice of dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I was notified by my bank XXXX on XX/XX/year> that there was a hard inquire on my credit report. I have not applied for any recent credit cards so I looked into it and called Capital One. I let them know that I had not applied or authorized a new credit card application. They stated that they flagged the account and would send the information to the reporting beaurea to have the hard inquire removed. I then recieved another notification from XXXX that my credit had another hard inquire on XX/XX/year> again by Capital One. I called them again and let them know that I did not authorize this and do not wish to open another credit card. They advised me to report identity theft and reach out the the reporting agencies. I have frozen my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Ive tried to open a bank account & have not been able to do so. I later learned I am in the XXXX  XXXX & I do not have any knowledge of why. I am a victim of a documented robbery and identity theft whoms personal information have been stolen.

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