vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: SC

Complaint narrative:
I am formally disputing this XXXX account because it was opened fraudulently using my personal information without my knowledge or authorization. At the time this account was created and used, I was incarcerated and physically unable to open, manage, install, or benefit from any XXXX services. It is impossible for me to have established this account while confined in jail. Someone unlawfully used my name, identity, and personal information to obtain services fraudulently. I never signed any agreement, authorized any services, or gave anyone permission to use my identity for this account. This fraudulent activity has caused damage to my credit and financial reputation. I am requesting a full investigation into this matter, including verification documents, signatures, IP records, installation records, and any identification used to open the account. I request that this account be immediately removed from my credit file and reported as identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-17 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: NY

Complaint narrative:
On XX/XX/2025, a charge in the amount of {$460.00} was made through XXXX using my payment method. I did not authorize this transaction and did not make this reservation. Citibank denied my fraud claim stating that I had access to complete the transaction. I dispute this conclusion. Although the transaction appears as an XXXX XXXX charge, I did not approve this payment using Face ID, passcode, or any authentication method. I did not authorize this transaction in any way. On XX/XX/2025, just days before the unauthorized transaction, I received a notification of an attempted sign-in to my XXXX account from an unfamiliar location outside of the United States XXXX XXXX, XXXX ). I did not initiate or approve this login attempt. This strongly indicates that my account and/or personal information had been compromised prior to the unauthorized XXXX charge. I do not share my account credentials, device access, or payment information with any individual. This transaction resulted from unauthorized use of my payment credentials and account information. I reported this incident as identity theft and fraud to the Federal Trade Commission and submitted supporting documentation, including evidence of the suspicious login attempt and a signed identity theft statement. Additionally, XXXX failed to require identity verification or secondary authentication before allowing the reservation to be completed. XXXX also closed my case without providing details of any meaningful investigation, including whether login IP addresses, device information, or location data were reviewed. After submitting my appeal and supporting evidence to Citibank, I did not receive any communication or update regarding the status of the reinvestigation. I had to contact Citibank myself for an update and was then informed that my evidence was considered unclear. No proactive effort was made to contact me or request clearer documentation. Citibank failed to properly investigate this matter as fraud and instead treated it as an authorized transaction despite the evidence provided. Under the Electronic Fund Transfer Act, consumers are not liable for unauthorized transactions. I am requesting that Citibank reopen this case, conduct a proper fraud investigation, and reimburse the unauthorized {$460.00} charge. I am also requesting a detailed explanation of how this transaction was determined to be authorized despite the evidence of account compromise and identity theft that I provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I sent several letters to Experian stating that this account on my credit report is not mine! It is not my debt. I asked for it to be removed then I asked to send me information or proof this debt was mine and I never got a response either time. This is not my debt. XXXX XXXX XXXX Date Opened : XX/XX/2023 Account number : XXXX Balance {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: FL

Complaint narrative:
I contacted Sallie Mae a year ago after I was placed into repayment. I stated to the loan company that I was not in a financial standing to make repayments nor can my co-signer. I continuously kept in contact with the company to ask for assistance and provided updates. I was denied multiple times. I began making good faith payments which was suggested to me by multiple representatives. I was constantly asked to make random payment amounts ( or any ). i continued to do this to the best of my ability due to the serve lack of income that I am getting. it is now XXXX days late and my co-signer who has a long excellent history of on time payments and credit history above XXXX, has now taken a hit. although the terms exist for a co-signer I have personally used my emergency fund to bring forth the account current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MD

Complaint narrative:
I am formally disputing this alleged rental debt and the continued collection and/or credit reporting associated with it. Prior to vacating the property, I communicated directly with the property management company regarding move-out terms and the account balance. During those communications, I was advised that no further payment would be required and that the account would be adjusted accordingly after possession of the unit was returned. Despite those representations, an alleged balance was later placed into collections and/or furnished to consumer reporting agencies. I immediately disputed the account and requested validation of the debt, including a complete account ledger, supporting documentation for the charges being claimed, and written clarification regarding prior communications confirming that the balance would be resolved or adjusted. I also requested correction of any inaccurate reporting. To date, the company has failed to provide sufficient documentation validating the amount being collected or demonstrating that the balance being reported is accurate and legally owed. Instead, the account continues to be reported and/or collected despite the unresolved dispute and lack of adequate validation. The furnishing and continued reporting of inaccurate or unverified information has caused significant harm to my credit standing and interfered with my ability to secure housing. Reporting information that can not be properly verified, particularly after notice of dispute has been provided, raises serious concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting an immediate investigation into this matter, deletion of any inaccurate or unverifiable reporting associated with this account, cessation of all collection activity related to the disputed balance, and written confirmation that the account has been corrected and removed from all consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX DISPUTE OF UNAUTHORIZED TRANSACTION DUE TO COERCION Unauthorized Transaction Date : XXXX ) XXXX XXXX XXXX {$30.00}. XXXX ) XXXX XXXX {$300.00}. XXXX ) XXXX XXXX XXXX {$200.00}. XXXX ) XXXX XXXX XXXX. XXXX XXXX ) XXXX XXXX {$30.00} + {$6.00}. XXXX ) XXXX XXXX {$40.00}. XXXX ) XXXX XXXX withdraw {$900.00} XXXX. XXXX ) XXXX withdrawal {$1.00} All XXXX unauthorized transaction/withdrawal total amount XXXX To the Dispute Department , This letter serves as a formal dispute of an unauthorized transaction in the amount of XXXX that occurred on XXXX time XXXX am This transaction was conducted under XXXX XXXX and coercion. Incident Details : it started from XXXX XXXX XXXX. Intimidation, bullying, retaliation, violation of identity, fraud, threatened to XXXX me, On Date, the transaction was initiated while being held against my will and under the threat of XXXX harm they forcely took my wallet that that has my XXXX XXXX card and a note of my username password and pin number. Basically XXXX me, and I just would like to add into the the to the statement right here that money network have done nothing but provided me with a lot of Falls information I call I've been calling I've been reaching out this past XXXX months they actually let me to being XXXX because this is the funds that I had to prove myself to the Department of Labor in New Jersey XXXX XXXX for XXXX months cuz I had a XXXX and when I finally got it released they failed to protect their consumers funds and as well as doing their part in regards to my rights as a consumer and a regular regulation e section e you know it's been almost XXXX days I believe and they keep just passing me around passing me around and passing me around it's very frustrating you know and they keep saying oh I understand your situation I'm sorry you're going through that but at the end of the day that's not the real truth I believe they try to intercept this funds So I managed to provide them with a lot of supporting documents to this like the police report number the FDIC report XXXX XXXX FTC also I was in an emergency room during those time. That the the the incident had happened and it's actually XXXX or XXXX hours away from where I was at and I will upload the hospital records saying stay in the fact that you know I was not in the position to even you know participate or benefit from it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
My debit card was stolen and unauthorized ATM withdrawals totaling {$7200.00} were made through nine {$800.00} transactions in XXXX XXXX, NJ, XXXX, NJ, and XXXX XXXX, NY. These transactions were occurring multiple times per day, sometimes two to three times in a single day, which is inconsistent with my normal banking activity and highly suspicious. I did not authorize or confirm those ATM withdrawals. Any possible response to a fraud alert was not related to the cash withdrawals. Santander denied my claim based on PIN usage and fraud alert activity, but I never knowingly approved the ATM transactions. I also requested a full investigation and review of ATM camera footage related to these transactions. I am requesting a complete review and reimbursement of the unauthorized withdrawals.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM WRITING TO FORMALLY REQUEST THE BLOCKING AND DELETION OF ALL ACCOUNTS ASSOCIATED WITH MY PERSONNEL INFORMATION. DUE TO THE RECENT DATA BREACH. THE ACCOUNTS ARE AS FOLLOWS : XXXX XXXX XX/XX/XXXX BAL. XXXX ACCOUNT NUMBER XXXX XXXX. XX/XX/XXXX BAL. XXXX XXXX XXXX XXXX BAL. XXXX ACCOUNT NUMBER. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: OR

Complaint narrative:
there is debt the collections for phones that I did not order name and theyre wanting me to pay for it I did not order them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I am asking for a manual, compassionate goodwill review of the negative credit reporting identified in this package. I am not submitting this as a settlement demand or as an attempt to avoid responsibility. I am asking the company to look at the human circumstances, the attached documentation, and my good-faith effort to stabilize after a period of repeated job loss, medical crisis, and identity-theft disruption. Account ( s ) covered : XXXX private student loan ending XXXX/ masked Bureau coverage : XXXX only in XXXX supplement Requested goodwill action : remove all XXXX student-loan derogatory information and any 90-days-past-due status. XXXX supplement shows XXXX student-loan derogatory events including 30/60/90-day history. Latest XXXX report does not show this account, confirming it must be handled from the 3-bureau FICO supplement .

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM WRITING TO FORMALLY REQUEST THE BLOCKING AND DELETION OF ALL ACCOUNTS ASSOCIATED WITH MY PERSONNEL INFORMATION. DUE TO THE RECENT DATA BREACH. THE ACCOUNTS ARE AS FOLLOWS : XXXX XXXX XX/XX/XXXX BAL. XXXX ACCOUNT NUMBER XXXX XXXX. XX/XX/XXXX BAL. XXXX XXXX XXXX XXXX BAL. XXXX ACCOUNT NUMBER. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I have a virtual account with chime and back in XXXX I canceled my subscription with a company called XXXX it's a cash advance payday advance loan app since XXXX of XXXX to today 's current Day XX/XX/XXXX XXXX I have told chime Bank to stop them from allowing them XXXX to take money out of my account they continue to allow them to take money out of my account and try to tell me that it took them three days for them to block this company but I've been telling him from the last 2 months to stop the I'm taking anything out once again today there was many missing and they have me waiting and it dispute once again I've had four different disputes over this company and chime is going to protect my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I am asking for a manual, compassionate goodwill review of the negative credit reporting identified in this package. I am not submitting this as a settlement demand or as an attempt to avoid responsibility. I am asking the company to look at the human circumstances, the attached documentation, and my good-faith effort to stabilize after a period of repeated job loss, medical crisis, and identity-theft disruption. Account ( s ) covered : XXXX / XXXX Bureau coverage : XXXX, XXXX, and XXXX Requested goodwill action : remove all 30-day late payment information and current/was-30-days-delinquent remarks. XXXX reports 2 late payments on OneMain. XXXX supplement shows XXXX differences and a masked XXXX account identifier.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: IN

Complaint narrative:
I am submitting this complaint regarding Chime XXXXXXXX XXXX transactions connected to a fraudulent rental scam. On or around XX/XX/year>, I located a rental listing through XXXX XXXX for a property located in XXXX XXXX, Indiana. The individuals involved represented themselves as legitimate landlords/property managers and instructed me to complete a tenant application process, provide verification documents, and submit payments through Chime XXXX XXXX in order to secure the property. During this process, I completed application forms, submitted employment/income verification information, and was instructed to send multiple payments through Chime XXXXXXXX XXXX for an application fee and security deposit. The following payments were sent : - {$55.00} application fee sent to XXXX XXXX XXXX XXXX XXXX XXXX {$470.00} security deposit payment sent to XXXX XXXX/ XXXX XXXXXXXX - {$470.00} security deposit payment sent to XXXX XXXX/ XXXX XXXXXXXX Total amount lost : {$1000.00} XXXX The individuals involved used multiple names, Chime handles, XXXX accounts, XXXX XXXX XXXX, and a phone number while falsely representing that I was being approved for a legitimate rental property. They discussed lease approval, key pickup, move-in timing, and deposit confirmation in order to induce payment. After the funds were transferred, communication became inconsistent and the XXXX user later became unavailable. I determined that the listing and transactions were fraudulent. I contacted Chime and requested : - a fraud investigation - reimbursement/recovery options - escalation of the dispute - review of the recipient accounts involved However, I was informed that Chime could not assist because the transactions were completed through XXXX XXXX. I believe I was the victim of a coordinated fraudulent rental scam involving deceptive misrepresentation and multiple recipient accounts. I have substantial supporting documentation, including : - transaction records - payment confirmations - screenshots of conversations - application forms - emails - recipient information - phone number information I am requesting that Chime conduct a formal fraud investigation into the accounts involved and review all available recovery or reimbursement options associated with these fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am asking for a manual, compassionate goodwill review of the negative credit reporting identified in this package. I am not submitting this as a settlement demand or as an attempt to avoid responsibility. I am asking the company to look at the human circumstances, the attached documentation, and my good-faith effort to stabilize after a period of repeated job loss, medical crisis, and identity-theft disruption. Account ( XXXX ) covered : XXXX ; additional masked Capital One tradelines Bureau coverage : XXXX XXXX XXXX XXXX Requested goodwill action : remove the XXXXXXXX XXXX XXXXXXXX late event and all prior-dispute-resolved adverse comments. XXXX shows Capital One account XXXX with XXXX late payment. XXXX supplement shows multiple Capital One tradelines with dispute-resolved comments and bureau mismatches.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: TX

Complaint narrative:
I sent a transaction from my debit card through cash app for XXXX dollars, instead cash app took XXXX dollars out of my account. I called immediately and they claim they dont see an extra XXXX dollars in the transaction. I sent the screenshot from my debit card transaction and they still said they didn't see it on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Selene Holdings LLC
State: HI

Complaint narrative:
I have a VA mortgage loan with Selene Finance XXXX XXXXoan # XXXX. I started a VA assumption process to sell my home on XXXX XX/XX/year>. It is now XXXX XX/XX/year>. The company has slow walked everything for this process to include : getting thr necessary documents to the seller/buyer ( took almost a month ), failing to respond to seller and buyer, and now no responses at all since XXXX XX/XX/year>. I just recieved a letter in the mail that Selene is selling my loan to another company, affective XXXX XX/XX/year>. This will surely restart the process as they will probably not close on this process before that time. Selene has cost me {$17000.00} in processing delays and will continue to cost me if they sell this loan before closing on this VA assumption. Moreover, it delays the buyer, another Veteran and his family, from moving into their home. Inam seeking immediate resolution to this issue. They have had all the documents they need since mid XXXX. Both the buyer and seller have multi emails confirming as much.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: CT

Complaint narrative:
Its been 45 calendar days and i have not had a update on my dispute not my money or a temp credit everytime i reach out to cash app i get a excuse.

Company response to consumer: Closed with explanation