vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I am filing a complaint regarding Select Portfolio Servicing ( SPS ) for failure to properly process returned escrow funds and complete an escrow analysis, resulting in ongoing delays and withholding of funds owed to me. This issue has been ongoing since XX/XX/XXXX. SPS confirmed that their property tax payment was returned on or about XX/XX/XXXX, after the county rejected the payment because I was already making property tax installment payments directly. The county has confirmed that any duplicate payment would have been rejected. Despite this, SPS has repeatedly stated that the returned funds have not been processed or cleared, and they have refused to complete the escrow analysis until that occurs. It has now been over three months, and SPS has failed to : Confirm receipt and application of the returned funds Complete the escrow analysis Provide a timeline for resolution Issue a refund of escrow funds that are not owed I have contacted SPS multiple times and have been told on several occasions that the issue has been escalated, but no meaningful progress has been made. I also sent a formal written notice via XXXX XXXX Mail on XX/XX/XXXX, to which I have received no response. Based on my records, I have paid all property taxes directly, and escrow funds collected were not properly applied toward taxes. Insurance payments made from escrow are not in dispute. I estimate that SPS owes me approximately {$4300.00}, As a result, I was effectively overcharged on my monthly mortgage payments for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: SC

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I am filing a complaint against Affirm regarding a financed purchase with XXXX. I purchased a coffee machine through XXXX using Affirm financing. I returned the item in accordance with Targets return policy, and the product was never opened or used. I have a valid return confirmation and return number ( Case # XXXX ) as proof. The return was shipped via XXXX with tracking number XXXX, confirming that the item was sent back. It has now been over 30 days, and I have not received a refund. I contacted XXXX multiple times, and they are refusing to issue a refund, claiming they can not verify the item, despite my proof of return and shipment. I then contacted Affirm to dispute the charge, but they denied my dispute without properly resolving the issue or investigating the merchants failure to issue a refund. I am requesting : A full investigation of this transaction A refund for the returned item Cancellation or pause of the remaining loan balance while this matter is resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
This company Illegally signed a lease electronically without my consent. I called numerous times and was hung up on by leasing office staff. A manager called me back and I asked what was the verification process. This company does not ask for proof of identity or proof of income for any agreements. The manager also advised me that the picture on the lease agreement is for someone else who was staying in the apartment that I have no knowledge of. It is a violation of the law FCRA ( U.S.C. 15 1681s-2 ( a ) ( 1 ) ( A ) and ( B ) to report inaccurate information on my credit report. DELETE/REMOVE account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
This complaint is related to my previous CFPB complaint # XXXX, which was closed before new evidence could be submitted. After the company responded to my original complaint, I received documents from GM Financial that contain a material discrepancy. GM submitted a contract page to the CFPB that was NOT part of the executed Retail Installment Sales Contract I signed. This page does not exist in my copy of the contract and was never provided to me at the time of signing. This newly discovered page affects the proposed loan terms, interest rate, and other key factors. Because I never received this page, it undermines GM Financials claim that all state and federal disclosure requirements were followed. This is new evidence that was not reviewed in the first complaint due to the CFPB portal not allowing uploads after feedback is submitted. I am requesting a new investigation into GM Financials submission of a contract page that was not part of my executed agreement. I am attaching the documents GM Financial mailed to me so the CFPB can review the discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: AL

Complaint narrative:
I requested a legal and substantial document to prove the verification and validity of the disputed accounts, but the furnisher was unable to provide sufficient documentation to substantiate or validate the accounts. I reviewed my credit report and found multiple accounts that are unverified, unvalidated, and inaccurate. I spent weeks trying to get legal proof from the furnishers, but they repeatedly transferred me without providing documentation. They stated they would contact the credit reporting agencies to have these items removed, but no resolution has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: IL

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: MOHELA
State: CA

Complaint narrative:
I called Mohela on XXXX to ask about my student loans and the credit I had accrued in 3 loans. They mentioned that this credit can be applied to pay off the debt in a different loan. I asked them to apply this credit to loan 6 and they havent done that. The credits are as follows : Loan 1 : - {$240.00} Loan 2 : - {$310.00} Loan 3 : - {$0.00} I want these credits to be applied to Loan 6. Also, when I check my payment history, its completely wrong. I click to show me the payment history of the last 6 months and it shows me only one payment. But if i click to show me payments in the last 12 months, its completely wrong shows me recent payments I made in XXXX. I dont trust that these payments are posting becuase my balance is still the same. I also want them to take my payments out of forebearance, but they wont.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On or about XX/XX/XXXX, while booking travel through the XXXX XXXX website/app, I was presented with an advertisement offering XXXX bonus points for applying for a Chase XXXX XXXX XXXX This promotional offer influenced my decision to apply for the card. After being approved, I contacted Chase customer service to add the card to my mobile wallet. During that call, I also asked to confirm the promotional offer associated with my account. I was informed that my account instead reflected a different promotion of XXXX bonus points and a {$300.00} statement credit. I immediately disputed this, as it did not match the XXXXpoint offer that I relied on when applying. The representative submitted a request to have this reviewed and corrected. After not receiving a response, I followed up multiple times over the next few months. On XX/XX/XXXX, I contacted Chase again and was informed that my request had been denied. I was told that a message had been sent to me through the Chase mobile app in XXXX communicating this decision, which was the first time I became aware of any final determination. I escalated the issue to a supervisor, who acknowledged my concerns but stated that no change would likely be made and that the matter would only be documented further. I believe this situation constitutes a deceptive bait-and-switch. I applied based on a clearly advertised XXXXpoint promotion, but was instead given a materially different and less valuable offer. I am seeking for Chase to honor the original XXXX bonus points promotion that was advertised at the time of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am requesting the immediate release of funds from a closed Truist business account. In XX/XX/XXXX, I reported a fraud incident to my Truist branch where I was the victim. Following the bank 's instructions, I successfully filed IC3 and FBI reports and provided proof to the branch. Truist subsequently closed my business account but allowed me to maintain my personal accounts and mortgage in good standing. For over 18 months, I have received monthly statements showing a consistent positive balance of approximately {$5200.00}. I have made multiple attempts to resolve this internally, including : Contacting the Truist Fraud Resolution department on XX/XX/XXXX. Visiting my local Truist branch in person on XX/XX/XXXX. During my most recent inquiry today ( XX/XX/XXXX ), I was informed that the funds have been moved to an internal recovery account. However, Truist representatives stated they have no further information and can not provide a breakdown of the funds, a timeline for a manual review, or a date for the release of my property. While I understand a portion of the original balance may be subject to a fraud hold, Truist has failed to provide a reconciliation or release the undisputed portion of my legitimate funds after more than a year of XXXX account activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-14 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: SC

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 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
According to voicemails, XXXX XXXX is calling about a liability claim. I returned his call @ XXXX to a debt collection company called XXXX on XX/XX/year> @ XXXX and left a message that I am not the person he's looking for and to remove my number. He's continued calling, so I blocked the number but he's still leaving voice mails. I called the company again today @ XXXX and was able to speak to an actual person, but was told XXXX XXXX wasn't available. He admitted the debt was for someone sharing my last name, but admitted from the caller ID I have a totally different first name so he knew I wasn't who he was looking but he still wanted me to give her a message which I declined and requested again he remove my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I disputed three LVNV Funding LLC collection accounts on my credit reports : Account # XXXX * * * ( {$240.00} ), Account # XXXX * * * * ( {$740.00} ), and Account # XXXX * * * * ( {$9200.00} ). After my dispute, two of the three accounts were closed on my TransUnion file as of XX/XX/XXXX2026 because LVNV could not verify them. However, these accounts were only closed not fully deleted and still appear on my XXXX report with full balances and derogatory history. Additionally, LVNV continues to report all three accounts on XXXX and XXXX. If LVNV could not verify these accounts on XXXX, they should not be reporting them on any bureau. The remaining {$240.00} account was never properly verified either. I have an active extended fraud alert on my file since XX/XX/XXXX as an identity fraud victim. I am requesting full deletion of all three accounts from all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: FL

Complaint narrative:
This complaint concerns Citibanks failure to conduct a reasonable and compliant investigation under the Fair Credit Billing Act. Citibank denied my dispute based on purported merchant documentation. However, the materials provided are not readable, not intelligible, and do not permit independent verification of the charge. Citibanks determination therefore rests on documentation that has not been meaningfully disclosed. An investigation that relies on materials a consumer can not review or evaluate is, by definition, deficient. The absence of clear, legible, and verifiable documentation raises serious concerns regarding the adequacy of Citibanks investigative process and its adherence to applicable federal requirements. Despite these deficiencies, Citibank closed the matter and stated it would not respond to further inquiries. This effectively prevents any meaningful challenge to the basis of its determination. This is not a dispute over outcome alone. It is a documented failure of process. The record reflects that Citibank has relied on defective or inaccessible evidence while representing that its review was complete. Regulatory review is therefore warranted.

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 2026-04-14 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Beginning around XX/XX/year>, I started noticing unauthorized transactions on my account. At that time, I opened a fraud dispute claim with the creditor. That claim was later denied in XX/XX/year>. I submitted an appeal letter shortly after the denial ; however, I did not receive any meaningful response until approximately one year later. Due to the lack of resolution and communication, I eventually stopped making minimum payments on the account. As a result, the account was later sent to collections. I continue to dispute these charges and maintain that I did not authorize any of the transactions in question. During the timeframe when the fraudulent activity began, my wallet and phone were taken from me, which I reported and believe is directly related to how my personal and financial information may have been compromised. I also informed the creditor of this situation ; however, they have stated that the transactions were completed using the same device and that no PIN change was detected. I want to clarify that this was a credit card account, and I was never issued or required to use a PIN for these transactions. Additionally, some of the purchased items were shipped to an alternate address that I did not authorize and had never changed. This further supports my position that I did not conduct or approve these transactions. I am requesting a full reinvestigation and proper validation of all disputed transactions, as I continue to maintain that these charges are the result of identity theft or unauthorized access to my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
this is a Fraudulent account. I am a victim of Identity theft. The account name is XXXX XXXX XXXX XXXX. Opened date unknown amount is XXXX. I file a Affidavit, police report and FTC. I have already file a complaint with you but forgot to upload my ID and it would not let me upload after the complaint was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: KS

Complaint narrative:
I deposited {$40.00} to my XXXX account on XX/XX/year> and I tried to make a {$40.00} deposit on XX/XX/year> and XXXX is saying that my bank reverse the payment but the money was never put back in my account so now my XXXX account is- {$40.00} and when I tried to talk to Chime about it, theyre telling me there was no transaction for XXXX XXXX, and that my deposit on XXXX XXXX was declined for insufficient funds. But they wont give me information on the reversed transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: SC

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with explanation