vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
I am submitting this complaint because my bank failed to properly investigate a fraud dispute involving XXXX XXXX transactions that occurred as part of a XXXX XXXX vehicle scam. On XX/XX/XXXX I was the victim of a fraudulent vehicle sale on XXXX XXXX. The seller represented that they were selling a XXXX XXXX XXXX and requested payment to secure the vehicle while preparing a purchase contract. Based on these representations, I sent XXXX XXXX XXXX payments to the same individual as part of the same transaction : {$600.00} XXXX XXXX transfer {$50.00} XXXX XXXX transfer Both transactions were sent to the same person, on the same day, as part of the same fraudulent incident. Once I realized the transaction was fraudulent, I immediately filed disputes with my bank and provided extensive supporting documentation including : Screenshots of the XXXX XXXX conversation Text message communication with the seller Proof of payment for both transactions Documentation explaining the fraudulent misrepresentation Police report case number filed with XXXX XXXX XXXX XXXX ( Case # XXXX ) Despite submitting this evidence, the bank denied the {$600.00} dispute on XX/XX/XXXX, only a few days after the dispute was filed. My appeal was also denied the very next day. However, the {$50.00} transaction from the same incident, same person, and same evidence is still currently under investigation. This raises serious concerns regarding the consistency and adequacy of the banks investigation process. Both transactions were part of the same fraudulent event and were supported by the same evidence. It is unclear why one transaction was denied almost immediately while the other is still pending investigation. Additionally, the timeline of the investigation appears unusually short for a fraud investigation involving documented evidence and a police report. Because of these issues, I believe my dispute was not properly reviewed. The bank appears to have conducted inconsistent investigations for two transactions that were part of the same fraud incident. Both the {$600.00} and {$50.00} XXXX XXXX transfers were sent to the same individual on the same day and were supported by the same evidence. However, the {$600.00} dispute was denied within a few days while the {$50.00} transaction from the same incident is still under investigation. Because these transactions are part of the same fraudulent event, I request that the {$600.00} dispute be reopened and reviewed using the same investigative standards applied to the {$50.00} transaction that remains under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: Experian Information Solutions Inc.
State: NY

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 explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On the night of XX/XX/XXXX my friends and I were relaxing smoking and having a good time. I ended up falling asleep first with my phone in my pocket because I like knowing my phone is secure. I wake up and I see my phone is on a desk near me which I thought was weird but at the time didnt think much of it. After XXXX minutes I check my bank account to see that {$390.00} was taken from my account and sent to someone named XXXX XXXX XXXX I panicked and on XX/XX/XXXX I made a dispute with Chase bank, after a few days they come back to me saying that the transaction was authorized which i absolutely did not authorize. I think what happened was that XXXX of my friends while I was passed out, took my phone and used Face ID to log in to my account and sent money to the person. And any authorization that chase couldve done would be through my phone like a text message which could easily be fabricated if I didnt have my phone. But thank you for any help you can provide me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-11 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: Bilt Technologies, Inc.
State: CA

Complaint narrative:
Bilt credit card has been doing a credit card rollover from XXXX XXXX to their own Bank. In the process, they attempted to pay off my old credit card. I have been using Bilt credit card to pay my rent of XXXX for over a year now. Often times there is a XXXX week period on my card where XXXX rents exist before the autopayment which was on the XXXX of the month. XX/XX/year> : My XXXX rent is charged to my XXXX card XX/XX/year> : My credit card had a balance of XXXX. XX/XX/year> : XXXX sends out a payment of XXXX to XXXX XXXX to cover this XX/XX/year> : My wells fargo autopay scheduled for XX/XX/year> went through, charging me XXXX ( rent + a few minor other purchases ) XX/XX/year> : Bilt 's payment of XXXX goes through to XXXX XXXX. Leaving the account in excess of XXXX XX/XX/year> : I contact XXXX XXXX about the overpay, they sent me a check for the difference of XXXX. XXXX XXXX end is sorted. The issue now was, despite my XXXX, XXXX, XXXX debts being paid off, now Bilt had a balance of XXXX. This should be half of that. I already paid via autopay on XX/XX/year> so my balance at that point in bilt should have just been XXXX. It gets worse In the bilt app, my autopay said scheduled for XX/XX/year>, which made no sense given it was already paid on XX/XX/year>. I cancelled the autopay and reset it, it now said the charge would not happen until XX/XX/year>. Good for now but I'm still owed XXXX XX/XX/year> : I reach out to bilt asking about the difference. XX/XX/year> : They respond to me via email saying wells fargo owes me the money. XXXX already paid me the XXXX check so this was wrong. I respond saying that they are still charging me double rent, according to the app on XX/XX/year> XX/XX/year> : XXXX reassures me via email that the autopay does not happen until XX/XX/year> but they do not address the extra charge. XX/XX/year> : I am charged for ANOTHER XXXX which immediately takes the money from my bank XX/XX/year> : I reach out to Bilt and get stonedwalled from the ai answering machine. Can't speak to anyone XX/XX/year> : I send another email to the team asking about the extra charge in addition to the duplicate charge. No response. XX/XX/year> : I tell Bilt they have until monday XX/XX/year> to respond before I complain to the CFPB. No response. XX/XX/year> : Last ditch, I manage to speak to a real person. They tell me they need to take the issue aside and will call me back within XXXX hours. XX/XX/year> : No call back. Over XXXX hours. I've given them far too much time. My account has a potential extra DOUBLE rent coming, escalating.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: Experian Information Solutions Inc.
State: MA

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 explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I was fraudulently charged {$72.00} at a gas station. I called customer service number for chime service agents who are not within the country they are out of the country third party service did not provide any information allowed the transaction to go through after reporting it being fraudulent then when I called to complain about it they did not like my attitude and from there closed out all my accounts my credit card account my checking my savings account without my permission or my request. Also I have a direct deposit established with my checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: GA

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC
State: PA

Complaint narrative:
I am filing a complaint against CNAC XXXX regarding inaccurate credit reporting and a repossession deficiency balance that has never been properly validated. I purchased a XXXX XXXX XXXX from XXXX XXXX in XX/XX/XXXX, financed through CNAC XXXX. The vehicle experienced repeated mechanical failures within months of purchase and continued to have major issues for years. After years worth of mechanical issues and The XXXX XXXX dealership closed. The vehicle was ultimately repossessed in XX/XX/XXXX. After the repossession, I never received documentation explaining the sale of the vehicle, the auction price, or how the remaining balance of approximately {$5000.00} was calculated. Despite this, CNAC continues to report the account on my credit report as OPEN while also marking it as a profit and loss write-off ( charged off ). CNAC is also continuing to report missed payments after the repossession, creating ongoing derogatory marks on my credit report. I disputed this account with the credit bureaus, but the inaccurate and misleading reporting remains. Reporting an account as both open and charged off while continuing to generate missed payments after repossession is inconsistent and damaging to my credit profile. Because CNAC has not provided documentation validating the alleged balance or demonstrating that proper post-repossession notices were sent, I am requesting that CNAC either provide full documentation supporting the balance and reporting status or remove this tradeline from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LoanCare, LLC
State: CA

Complaint narrative:
On XXXX XXXX authorized me for XXXX due to an injury. I applied to Loan Care for forbearance protection of my residence on XXXX based on that XXXX determinization. My application for forbearance protection by Loan Care on XXXX to begin XXXX. I was required to pay the XXXX mortgage payment to avoid any late peneltys or negative impact to my credit by Loan Care for the sum of {$4400.00}. I paid that amount on XXXX. Against the forbearance contract terms and unknown by myself or my wife, my three credit bureaus were notified by Loan Care with a 30 day late mortgage payment XXXX. Again, against the forbearance contract terms and unknown by myself or my wife, my three credit bureaus were notified by Loan Care with a 60 day late mortgage payment XXXX. Again, against the forbearance contract terms and unknown by myself or my wife, my three credit bureaus were notified by Loan Care with a 90 day late mortgage payment XXXX. XXXX Loan Care canceled my forbearance contract without my authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I referred a friend, I sent him a link to open new checking account. And he opened the account on XX/XX/XXXX. He met all his requirements, for his new personal checking account, and he got his bonus. Im still missing my referral bonus, for referring him and for him using my link. Citibank keep refusing honoring the bonus and wasting my time. I contact branch, contacted customer service, contacted supervisors, and it didnt help at all. Its been over 6 months since my friend opened the account, I supposed to get bonus on XX/XX/XXXX. Since then I made 7 called, I wasted hours on phone, with no results. I have to get my promised bonus. They must improve their tracking system so no other people would have to suffer like Im suffering. Give me promised {$100.00}, and it would be appropriate to get an additional funds for my sufferings and my wasted time on this matter, which I didnt have to deal with if they properly paid my bonus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
Subject : Complaint Regarding PayPals Failure to Investigate Fraudulent Transaction I am filing this complaint regarding PayPals handling of a fraudulent transaction that occurred on my account. On XX/XX/year>, I was the victim of a XXXX XXXX XXXX while attempting to purchase coffee from a website that appeared to sell XXXX XXXX XXXX. During the checkout process, the website requested a PayPal verification code sent to my phone. Believing this was part of the purchase verification process, I entered the code. Unknown to me, the scammer used that verification code to process a PayPal payment of XXXX EUR ( {$860.00} USD ) to XXXX XXXX XXXX XXXX XXXX XXXX. PayPal Transaction ID : XXXX Date : XX/XX/year> Amount : XXXX EUR I did not purchase any airline ticket from XXXX and did not authorize this transaction. I have never received any itinerary, booking confirmation, or ticket information. Immediately after realizing something was wrong, I took the following steps : Reported the transaction to PayPal and opened a dispute Contacted my bank, XXXX XXXX XXXX, and reported the fraud Secured my PayPal account Despite clearly explaining that this was a phishing scam, PayPal denied my dispute solely because a verification code had been entered. This ignores the fact that scammers often manipulate victims into entering such codes through deception. PayPal has failed to conduct a reasonable fraud investigation and has refused to provide meaningful assistance in resolving this matter. I called and report the fraudulent charge immediately when i got the text confirmation form paypal on transaction confirmation on XX/XX/XXXX and requested the investigation. They did not do any investigation or stopped the transaction with XXXX XXXX. I respectfully request that PayPal : Reopen the fraud investigation Work with XXXX to determine who used the airline ticket associated with this transaction Reverse the fraudulent transaction As a consumer, I believe PayPal has a responsibility to protect users from fraudulent activity and to properly investigate scams of this nature. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: LA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: OK

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
To Whom It May Concern, I currently have two Citibank credit card accounts. One account ( the green card ) has been closed, and the other account ( the black card ) was also closed and placed on a payment plan with a remaining balance. Despite the accounts being closed, Citibank has continued to keep both accounts enrolled in paperless statements. I no longer access these accounts online, as I did previously when the accounts were active. I have requested multiple times that the account with the remaining balance be removed from paperless delivery and switched to paper statements, but this has not been done. Because Citibank failed to remove the paperless setting after the accounts were closed and failed to provide me with mailed statements, I have not been receiving periodic statements for the account that still carries a balance. Under the Truth in Lending Act and Regulation Z, creditors are required to provide periodic statements when a balance remains on a credit account. As a result of Citibanks failure to properly deliver statements, I have been placed in a situation where I can not reasonably make payments because I do not receive statements reflecting the amount due, due dates, or payment instructions. I should not be penalized for Citibanks internal error. Additionally, my repeated attempts to resolve this matter through customer service have been unsuccessful. I have called numerous times and have not been able to reach a representative who understands the issue or can properly address the regulatory concern. I have also requested assistance from a U.S.-based representative but was told I would need to continue calling repeatedly in hopes of reaching one, which is not a reasonable solution. Because of Citibanks failure to provide statements and correct the paperless setting, I request the following actions immediately : Removal of paperless statements and placement of the account on mailed paper statements. Waiver of all late fees and interest charges that accrued due to Citibanks failure to provide required statements. Adjustment of the account balance to reflect the removal of those charges. Reset and reinstatement of the original payment plan so I can resume payments properly. Correction of any negative credit reporting that resulted from this issue. I am attempting to resolve this matter in good faith. However, if this issue is not corrected promptly, I will be forced to file formal complaints with the Consumer Financial Protection Bureau and other appropriate regulators regarding Citibanks non-compliance with Regulation Z and failure to properly service this account. Please review this matter and respond in writing with a resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
" The servicer provided an inaccurate payoff statement at closing, and the debt was reported as 'closed ' until years later, depriving me of the ability to pay from house proceeds. '' This forces the bank to respond to a federal regulator.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: MS

Complaint narrative:
Validation of Debt Request- JEFFERSON CAPITAL LL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation