vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-25 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: Chime Financial Inc
State: CT

Complaint narrative:
On XX/XX/XXXX I noticed an alert on my XXXX credit monitoring app in my phone. I logged in on that day of the XXXX of XXXX and ran a credit report and noticed a fraudulent account was opened in my name. My credit report showed this account, names Chime XXXX XXXX XXXX XXXX was opened on XX/XX/XXXX which now shows a balance of {$1000.00}. The phone number listed in my credit report for this fraudulent account is XXXX. I will plan to call this number to let them know I filed a complaint to this website today on XX/XX/XXXX. There is also an address associated with this account XXXX XXXX XXXX XXXX XXXX CA XXXX I've since called XXXX on XX/XX/XXXX to file an official dispute which they are helping me to resolve my credit report. I will also plan to file a police report on this matter this Saturday XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
My mortgage with Mr. Cooper ( formerly Nationstar Mortgage ) was paid in full in XX/XX/year>. I received a written payoff confirmation showing a {$0.00} balance and that the loan was satisfied. However, I recently contacted the XXXX XXXX XXXX of Deeds and was informed that no Discharge of Mortgage has been recorded for my property. The lien remains publicly recorded despite the loan being paid off in XXXX. I have attempted to contact Mr. Cooper to resolve this issue but have been unable to reach a representative. I am requesting that Mr. Cooper immediately record the Discharge of Mortgage with the county and provide written confirmation of the recording date and document number.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc.
State: VA

Complaint narrative:
I am filing this complaint for reporting inaccurate information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Under the FDCPA, debt collectors are prohibited from making false, deceptive, or misleading representations about a debt. The company is reporting information inaccurate/unverified/outdated ]. Under the FCRA and FDCPA, they are prohibited from making false representations. Because they have failed to provide proof of the debt or correct these errors after my initial dispute, this item must be deleted to ensure my credit report is accurate.

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 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXXTO: Citibank Executive Office / Consumer Financial Protection Bureau\nDATE: XXXX XXXX XXXXCOMPLAINANT: XXXX XXXXPHONE: XXXX XXXX XXXXEMAIL: XXXXSUBJECT: Formal Grievance Regarding Professional Misconduct and Denial of Access to Funds\nTo Whom It May Concern,\nI am filing this formal complaint against Citibank regarding an incident that occurred today, XXXX XXXX XXXX, involving a gross display of professional misconduct by a phone representative and the subsequent retaliatory locking of my bank account.\nDescription of Incident:\nI contacted Citibank support regarding an unauthorized XXXX transaction. From the beginning of the call, the representative exhibited an aggressive and hostile attitude. When she insisted on closing my debit card, I explained that I needed immediate access to my funds for my family\'s needs. Instead of assisting me, the representative became personally offended. At one point, she unprofessionally demanded that I "stop speaking to my kids" so she could finish her sentence.\nDue to her escalating hostility, I ended the call. Immediately following this interaction, I discovered that I am completely locked out of my account.\nThe Issue:\nCitibank is now claiming I have a "Security Word" on file that must be provided to regain access. I have never established a security word on this account. Furthermore, the system is refusing to send verification codes to my mobile number (XXXX XXXX), despite this being my primary method of verification in the past.\nIt is evident that the representative I spoke with today manually flagged my account or added a "Security Word" barrier as a retaliatory measure because I challenged her unprofessional behavior. This is a direct denial of access to my own money based on a representative\'s personal grievance.\nDesired Resolution:\n1. Immediate Manual Unlock: I require an immediate identity verification (via SSN and government-issued ID) to restore access to my funds without a "Security Word."\n2. Removal of Security word: I demand the permanent removal of any security word added to my profile without my explicit consent.\n3. Disciplinary Review: I request a formal review of the recorded call from this morning to address the representative\'s conduct and the retaliatory actions taken against my account.\nI am prepared to escalate this matter legally if my access is not restored immediately.\nSincerelyXXXX 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 non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: OH

Complaint narrative:
On Friday at end individual from Chime or who said they was from Chime hacked my account for {$5000.00}. They also had all my personal information everything about my account and even the fact that I ordered a new car that day I called Chime right after I got off the phone with them and made a claim theyve put me through the procedures of saying that they was going to give me a credit within 10 business days, which would be by XX/XX/XXXX but bye XXXX XXXX day close the claim and denied it. I asked him why did they deny it that proceeds to say that it was the frauds decision? Im a pair of five who have to pay our rent could be possibly getting evicted and they decided to tell me that they will not give me my money back as I noticed that thats not right because Im a banker and been a banker for three years. I currently work at XXXXXXXX XXXX so I know the regulations as I dig deep into this. I noticed that they do this to everyone and I cant allow myself to lose {$5000.00} knowing that I needed it and it was very unauthorized. The only way I knew that it was sent out was because I received an email quoting that money was sent unauthorized because I did not do it.. I also went and got a police report that same day

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
To Whom It May Concern : I am requesting validation of this debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I dispute this debt and request that you provide the following : 1. The name and address of the original creditor. 2. The full amount of the alleged debt, including an itemization of any interest, fees, or charges. 3. Copies of any documents bearing my signature that show I agreed to assume this debt. 4. Proof that your company is authorized to collect in my state. 5. Verification that the debt is within the applicable statute of limitations. Until you provide proper validation of this debt, I request that you cease collection activities and communication with me, except to provide the requested validation. If you have reported this debt to any credit reporting agency, I request that you mark the account as disputed. Thank you for your cooperation. Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Validation of Debt Request - MIDLANDCRE - XXXX XXXX XXXX XXXX XXXX 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 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I am filing this complaint against PayPal for failure to investigate an unauthorized electronic fund transfer under Regulation E ( 12 CFR 1005.11 ). On XX/XX/year>, the merchant XXXX XXXX XXXX ( XXXX ) processed a {$290.00} charge on my account without my Express Informed Consent. I cancelled this subscription in XX/XX/year>. The merchant claims that a subsequent account login constituted a " reactivation '' of the billing agreement. This is a prohibited " Dark Pattern '' and a direct violation of the XXXX FTC Negative Option Rule, which requires affirmative consent for any new or reactivated charges. PayPals automated system closed my dispute ( Case ID : [ XXXXXXXX XXXX ] ) and human agents have refused to reopen it for manual review, despite being notified of the merchant 's deceptive billing trigger. I have already filed a complaint with the Nevada Attorney General ( Ref # XXXX ). I am requesting that PayPal formally recognize this transaction as unauthorized and reverse the charge to my original payment method.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint against Jefferson Capital Systems , LLC regarding their failure to remove an invalid and unverified collection account from my credit reports. This collection account is related to an alleged XXXX account, account number ending in XXXX, in the amount of {$1900.00}. In XX/XX/year>, I disputed this account directly with Jefferson Capital because they failed to provide proper validation of the debt and because the information being reported on my credit reports is inaccurate. On XX/XX/year>, I received a letter from Jefferson Capital stating that they were unable to validate this account and that the account would be deleted from all three credit bureaus : XXXX, XXXX, and XXXX. I am attaching a copy of this letter as evidence. However, after reviewing my credit reports, I discovered that this collection account has instead been added to XXXX and XXXX. This directly contradicts Jefferson Capitals written statement that the tradeline would be removed from all three credit bureaus. Jefferson Capitals actions violate the Fair Credit Reporting Act by continuing to report an account that they have admitted they can not validate and by providing inaccurate and misleading information to the credit bureaus. I am requesting the Consumer Financial Protection Bureaus assistance in requiring Jefferson Capital to immediately remove this collection account from all credit bureaus and to correct any inaccurate information being reported. Thank you for your time and assistance in resolving this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
The company is Resurgent/ LVNV Funding LLC . The balance owed was around XXXX from XXXX. I came into some money after a refinance and offered them XXXX over a year ago. The offer was refused twice. I was told I had to repay the entire amount or nothing. Now they are sending letters and emails again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: GA

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 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: FL

Complaint narrative:
SELFINC/LEAD is falsely reporting on my credit. I have never had any accounts with them. Per my research SELFINC/LEAD 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 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I received my IRS XXXX refund in the amount of XXXX. I XXXX my husband {$2000.00} and another {$300.00} on XX/XX/XXXX. I use my car normally like I would at other merchant. On XX/XX/XXXX I called report those transformer the unknown merchant. On XX/XX/XXXX my claim was denied and closed because they said it's not fraud. I reopened the claim on XX/XX/XXXX and it was closed that same day. I never received any text or email to verify it was me nor did I receive a phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Exhibit 1 Chronology of Events Leading to Distress Sale Borrower : XXXX XXXX XXXX Loan Number : XXXX Property Address : XXXX XXXX XXXX, XXXX, TX. XXXX ________________________________________ REGULATORY TIMELINE SUMMARY XX/XX/year> Property listed for sale with licensed real estate broker at {$310000.00} ( discounted price for prompt sale ). XX/XX/year> Hardship affidavit submitted to Mr. Cooper requesting 36 months to complete sale due to documented medical hardship. XX/XX/year> Mr. Cooper issued appraisal/opinion of value ( CMA ) consistent with listing price, demonstrating awareness of active sale. XXXX XX/XX/year> Certified foreclosure threat letters received from servicer. XX/XX/year> Notice of Acceleration of Loan Maturity issued. XXXX XX/XX/year> Price reductions implemented under pressure. Final Sale Price : {$240000.00} Original Listing Price : {$310000.00} Equity Differential : Approximately {$70000.00} ( 22.6 % )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
FCO is falsely reporting on my credit. I have never had any accounts with them. Per my research FCO 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 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 2026-02-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Dear Regulatory Authority, I wish to formally submit a complaint against PayPal. My account ( email : [ XXXX ] ) has been permanently limited by PayPal, and the account balance is unable to be withdrawn. PayPal has refused to provide any further support. The specific situation is as follows : My account has been restricted from withdrawing funds since [ XX/XX/year> ], and the balance is unusable. I have contacted customer service multiple times, but they have been unable to resolve the issue. In the most recent chat, I was informed that the account has been permanently limited and that no further assistance would be provided. The amount of my funds is [ USD XXXX ], which has been frozen for an extended period, severely affecting my financial plans. PayPal explicitly stated that due to " inappropriate language '' in previous chats, the account would be permanently limited and refused to process any payments. I believe that PayPal 's actions involve the following issues : - Long-term freezing of funds without providing a legitimate reason or solution - Customer service is unfamiliar with procedures and lacks effective communication - Permanent account limitation prevents access to funds, causing actual financial loss

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
LOCKHART, MORRIS & MONT is falsely reporting on my credit. I have never had any accounts with them. Per my research LOCKHART, MORRIS & MONT 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: FL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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