vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: TX

Complaint narrative:
I have a XXXX mortgage serviced by Selene XXXX XXXX 

My home is new construction completed XX/XX/2024. At closing, property taxes were not yet assessed. Selene set up my escrow account for insurance only and failed to add property taxes once they were assessed. I did not waive tax escrow. 

Property taxes were later issued by XXXX XXXX and the XXXXXXXX XXXX XXXX XXXX. When I contacted Selene, a representative refused to transfer me to the tax or escrow department and incorrectly stated that I am solely responsible for property taxes despite this being a VA loan with escrow. 

The tax bill became overdue. After contacting the taxing authorities, I was advised the taxes must be paid by the XXXX to avoid further penalties. I am a XXXX veteran and will be paying the taxes on the XXXX when my VA benefits are received. 

I have submitted a formal written complaint to Selene requesting escrow correction, a manual escrow analysis, and reimbursement or credit once payment is made.

This is an escrow servicing error involving a VA loan and new construction and constitutes a RESPA issue. I am requesting regulatory assistance to ensure escrow correction and reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sunbit, Inc.
State: IN

Complaint narrative:
They sent me an email saying that the review of my account was completed after XXXX  months of them stalling and they keep saying they sent an email giving me their answer when I havent received any emails with the answer and I have chatted with different agents and they said they resolved it by email when they havent and for some weird reason they wont tell me if my account can be used or not over the sites chat which I dont understand how difficult it is to tell me yes or no and send me the correct email and not several repeating emails saying they cant provide any further info when they can Ive dealt with this for XXXX  months their customer service is horrible and the site doesnt provide any information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
XXXX. Summary of Incident On today, I visited the retail location in XXXX XXXX XXXX which was flagged in connection with an unauthorized Acima account created under my identity. Despite arriving in person and presenting both a police report and a valid restraining order, I was denied basic information about the transaction that occurred under my name. 

This behavior constitutes obstruction of an identity theft investigation and violates consumer rights under both the FCRA and FACTA Identity Theft Red Flags Rule, which require covered businesses and service providers to assist with identity fraud resolution in good faith. 



XXXX. Background : Acima Fraud Pattern This visit was part of a broader effort to investigate fraud stemming from identity misuse by XXXX XXXX XXXX XXXX, who has used my identity to obtain goods and services under false pretenses, including : Multiple unauthorized applications using my SSN, DOB, and fake employment Acima accounts tied to locations I have never shopped at or authorized transactions with Addresses, emails, and bank routing numbers submitted fraudulently Acimas own internal systems have shown my name tied to rental accounts or approvals in areas and timelines that coincide with the known fraud. 

XXXX. Retailers Violation of Duty The retailer in question : Denied having any relationship with Acima, contradicting the approval record. 
Refused to search for records, even with a police report in hand. 
Failed to provide the name or date of the person who made the transaction, blocking a critical component of due process and justice. 

Their refusal directly impedes : Law enforcement from confirming the fraudulent use of my identity Acima from fully investigating and terminating the fraudulent account My legal right to dispute and resolve the fraudulent tradeline XXXX. Your Immediate Obligations as Acima As a financial servicer bound by federal regulation, you are required to : XXXX. Immediately suspend or freeze the account in question until identity verification is completed. 
XXXX. Issue a written confirmation of all data tied to this account : email used, phone number, IP address, store location, items purchased, and delivery/pickup records. 
XXXX. Engage the retailer directly and compel their cooperation based on your internal compliance policy. 
XXXX. Confirm whether the goods were returned, remain unpaid, or are in collections and whether any signature or ID was used at the time of pickup.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: SD

Complaint narrative:
At XXXX on XX/XX/XXXX I went to my banks ATM and tried to withdraw XXXX for rent from my chime account when I counted it, there was only XXXX I called them immediately since that's what their ATM said to do and filed a dispute after talking to them for almost XXXX hours and sent then a picture of the receipt and I didn't hear back and on XX/XX/XXXX I got a message saying it was denied and no reason given and when I tried to call them the number doesn't work that they gave me and when I finally got a hold of someone it was from out of the country they won't reopen it without more information and told me to call the bank that owns the ATM which Chime does. This always happened to me before on XX/XX/XXXX of last in which I did the same the only i didnt have a receipt at the time

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: KY

Complaint narrative:
I have documented evidence of repeated harassing phone calls from Credence, occurring approximately XXXX to XXXX times per day over the past XXXX to XXXX weeks. These calls are automatically screened by my phone, which prevents me from answering them ; however, Credence consistently fails to leave a voicemail, despite having the opportunity to do so. The frequency and persistence of these calls, without any attempt at meaningful communication, constitutes harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Concord Servicing Corporation
State: IL

Complaint narrative:
I am submitting this complaint regarding Blackwell Recovery for reporting an unvalidated debt. 

XXXX XXXX is reporting a collection account with a balance of approximately {$570.00}. I do not recognize this debt and was never provided a notice giving me the opportunity to dispute the validity of the debt. 

XXXX XXXX has never provided proof of ownership, a copy of any agreement, or an itemized accounting. 

I am requesting that XXXX XXXX : Provide full validation of the debt Cease reporting unless validated Delete this tradeline from my credit report This violates the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

I am requesting full deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
To whom it may concern, I sent {$13000.00} from XXXX XXXX to XXXX XXXX from Chase bank, she received that money, and she withdrew {$4000.00}, there are still {$9400.00} remaining. 
But her account was closed by the manager named XXXX from Chase.I called XXXX, he told me that's a scam, after I explained everything, he knew I am innocent, and he told me to ask XXXX to recall. 
XXXX sent a XXXX  to recall, but Chase replied that payee 's Account was closed. 
So I asked XXXX, he replied XXXX has to send indemnification letter to Chase, but XXXX rejected that requirement from XXXX said XXXX  is only official method to communicate between banks. 
So I can't get my refund until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I went on American Express website to buy airline ticket with point. They offered to flight to XXXX to XXXX with XXXX points and {$100.00}. 
I transferred the points to their affiliated program, and they changed the price to XXXX points and {$1400.00}. They refused to transfer the point back or honoring the price what was offered. 
I have attached a screenshot of the American Express website price offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My name is XXXX XXXX My Capital One Savor account ends in XXXX. 

Complaint : I applied for a Capital One Savor credit card after a welcome bonus was clearly advertised during the application process. The offer stated that a cash bonus would be awarded after spending {$500.00} within the first XXXX months. 

I accepted the card based on this offer and met the spending requirement within the required timeframe. 

After contacting Capital One, I received a generic denial email stating that I do not qualify, without providing any specific reason, promotion code, or documentation proving that the advertised offer did not apply to my application. 

I believe this is misleading and a failure to honor the terms that were presented at the time of application. 

I am requesting that Capital One either honor the welcome bonus as advertised or provide written proof that no such offer applied to my account at the time of application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the Credit Reporting Agencies for validation or debt, however, the information has not been provided Due to my information being exposed, I have submitted a FTC complaint reporting the information i am not familiar with Please find attached a copy of My ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a Validation of debt Letter.

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 2026-01-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Credit Wellness LLC
State: NC

Complaint narrative:
Payed XXXX XXXX about {$290.00} upfront, more than the debt I owe is, they promised it would clear off my record and had me sign up for a {$99.00} a month program to monitor the progress which they said I could cancel anytime, which I did. After a month or so because I couldn't afford it. Long story short they told me the last thing I want to do is succumb and pay what the debt is when they can dispute and clear it. Well it's not cleared and I paid them more than my debt actually was. How is this even aloud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Credit Karma, LLC
State: OK

Complaint narrative:
I have been attempting to access my Credit Karma account for XXXX days consecutively. I have no access to the phone number attached, so in order to access my account, I have to provide a live face image and a live photo of my ID, front and back. This is about a XXXX minute process, which is exactly how long it takes for a credit karma. XXXX, to disconnect you for not engaging. I would have to complete this process in a hurry and make sure to get back to the chat. Which takes signing in and asking for help, it's a ridiculous process, and I had to Try about XXXX times before.I was able to get quick enough so I wouldn't have to restart. Then, when I would complete the submissions, they would give me excuses for why they failed, such as the following " iD submission failed, you're a document is a license.Please upload an ID '' or " license submission failed. Your document is an I.D . Please upload an license '' or it would busy not ever finish verifying. Most of the time, it was actually accepted, but the rep would fail me anyways. It total, I've submitted my document now than XXXX times. My email is a XXXX option, yet they block the code from being sent. 
My account is under email XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am reporting unauthorized ACH and debit transactions on my Navy Federal Credit Union checking and savings accounts. On XX/XX/year>, I discovered fraudulent transactions totaling approximately {$3700.00} that I did not initiate, authorize, or consent to. 

I reported the fraud to Navy Federal within XXXX hour of discovery. Under Regulation E ( 12 CFR 1005.6 and 1005.11 ), this constitutes an unauthorized electronic fund transfer reported promptly, entitling me to protection and provisional credit pending investigation. 

I was informed that an investigation would be conducted and that I would be contacted if additional information was required. However, I was never contacted by phone or email during the investigation process. The claim was later denied without a clear or specific written explanation of the basis for the denial. 

I did not provide my login credentials, PIN, or authorization to any third party. This incident constitutes unauthorized account access and identity theft. I have filed an FTC Identity Theft report and requested a re-review in compliance with Regulation E.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-30 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: IL

Complaint narrative:
Jefferson Capital System LLC is attempting to collect and is reporting a debt that I do not recognize.I have not received sufficient written notice or validation of this debt, including the original creditor, account details, or proof that I am legally responsible. I dispute this account and am requesting full debt validation. Until proper validation is provided, this account should not be reported or collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc.
State: GA

Complaint narrative:
A letter was sent to me and placed on my credit report stating that I owe this debt to a collection agency.

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 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate and fraudulent information currently appearing on my consumer credit report. The account listed below was opened without my authorization and is the result of identity theft. 

Account Information : Creditor : WFBNA Account Opened : XX/XX/XXXX Last Reported : XXXX XXXX, XXXX Reported Balance : {$4600.00} I did not apply for, authorize, or use this account. I have never agreed to any terms associated with it. The reporting of this account is inaccurate and violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which requires consumer reporting agencies to ensure maximum possible accuracy of the information they report. 

Under FCRA 611, you are required to conduct a reasonable reinvestigation and delete information that can not be verified. Please provide documentation showing that this account was legitimately opened by me, including a signed application or verifiable proof of identity. If such documentation can not be produced, this account must be deleted immediately. 

Please note that continued reporting of fraudulent information after notice may constitute willful noncompliance under federal law. 

I am requesting : Immediate reinvestigation of this account Permanent deletion of the WFBNA ( Wells Fargo Bank XXXX ) account from my credit file Written confirmation of the results of your investigation Please complete this investigation within the time frame required by law and provide written confirmation once the account has been removed. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC
State: CA

Complaint narrative:
I have been requesting a substantive written response from Global Lending Services since XXXX XXXX regarding resolution of my auto loan due to documented financial hardship. 

Over the course of several weeks, I have sent multiple written communications requesting that all communication be conducted in writing only and asking for written options to resolve the account, including voluntary surrender and settlement or account closure. 

Global Lending Services has failed to provide any meaningful written response. Instead, they repeatedly direct me to call by phone and provide non-substantive or automated replies, despite my clear written requests. 

I have formally exercised my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ) and the California Rosenthal Fair Debt Collection Practices Act ( Civil Code 1788 et seq. ) to limit communications to written correspondence only. 

GLSs failure to respond substantively in writing and continued redirection to telephone communication has prevented good-faith resolution and has caused ongoing financial harm. 

I am requesting that GLS be required to : XXXX. Confirm compliance with written-only communication XXXX. Provide written resolution options for this account XXXX. Correct any records suggesting I have been unresponsive

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I opened a credit card with them a few months ago and everything was fine, payments were on time, and I'm a Sam 's Club member, but my account was closed without notice and without the slightest respect. This affected my credit score and caused me emotional distress because I tried to make a purchase and my card was declined, and I didn't know why. I was extremely embarrassed by the situation.

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 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collections Acquisition Company, Inc.
State: KY

Complaint narrative:
Routine check of personal credit report, collections {$250.00} from company named CYBRCOLLECT. 

Never had the pleasure of doing business with this company. I certainly do not owe anyone {$250.00}. 

Request removal from credit file. 


Thank You

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 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Unifin Inc.
State: CA

Complaint narrative:
CFPB CONSUMER COMPLAINT Consumer : XXXX XXXX XXXX : Unifin , Inc. Date : XX/XX/year> I am submitting this complaint regarding debt collection communications I received from Unifin, Inc. via text message identifying itself as a debt collector. I have not received a written validation notice containing the disclosures required under the Fair Debt Collection Practices Act. 
After receiving the text communication, I sent a written request for debt validation pursuant to 15 U.S.C. 1692g. As of the date of this complaint, Unifin has not provided documentation validating the alleged debt or demonstrating its authority to collect.

Applicable Law 15 U.S.C. 1692g Requires debt collectors to provide written validation and cease collection until validation is provided upon timely request.

15 U.S.C. 1692c Governs communication practices and consumer rights to limit contact.

15 U.S.C. 1692e Prohibits false, deceptive, or misleading representations in connection with the collection of any debt. 
California XXXX Fair Debt Collection Practices Act Provides parallel consumer protections at the state level. 
Requested Resolution I respectfully request that the Consumer Financial Protection Bureau review this matter and require Unifin , Inc. to comply with federal and state law by providing proper debt validation and ceasing collection communications until such validation is supplied. I also request that Unifin be instructed to correct any improper communication practices going forward. 
XXXX XXXX

Company response to consumer: Closed with explanation