vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Management Systems Inc.
State: GA

Complaint narrative:
My account was sent to collections, resulting in a XXXX-point decrease in my credit score due to an unpaid balance of {$380.00} for which I was a co-signer. The {$380.00} balance has since been paid in full and the account has been closed ; however, my credit score has not yet returned to its previous level.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
In XX/XX/year>, my Dell Preferred Account was closed due to inactivity. I was never given any notice whatsoever no letter, no email, no phone call, nothing. I was given no opportunity to make a purchase to keep the account active. Had I been notified in any way, I would have made a purchase immediately to maintain the account in good standing. I only discovered the closure on my own with no explanation provided. A Dell representative named XXXX confirmed my account had a zero balance at the time of closure, confirming the account was in perfect standing with no missed payments and no default. XXXX also promised to send me a written letter explaining the closure, and as of the date of this complaint no letter has been received. I am requesting documentation of XXXX Banks inactivity notice policy and whether it was followed in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing a complaint against Citibank , N.A . for failure to properly address unauthorized electronic fund transfers under Regulation E. I did not authorize, initiate, or approve the following transactions from my Citibank account ( Account XXXX. XXXX ) : Wire Transfer : {$2000.00} Reference XXXX XXXX Transfers : {$2100.00} Reference XXXX {$2500.00} Reference XXXX Citibank denied my dispute on the basis that a phone login and IP address were used. I dispute this determination. The use of valid credentials, a phone-based login, or IP data does not establish customer authorization. These factors demonstrate only authentication, not my intent or consent. I never approved these transactions and received no benefit from them. This matter has been formally reported to law enforcement ( Police Report XXXX. XXXX ). Additionally, I recently experienced a separate attempted in-person fraud at another financial institution, where an impersonator attempted to withdraw funds at a teller window, further supporting that I am currently a victim of identity theft. Under the Electronic Fund Transfer Act and Regulation E, Citibank bears the burden of proving that these electronic transfers were authorized by the consumer. Citibank has not provided evidence demonstrating my intent or authorization. I am requesting that Citibank : Conduct a proper Regulation E review Provide a detailed explanation of how authorization was determined Reconsider reimbursement based on the lack of customer authorization I have already escalated this matter to Citibanks Executive Response team.

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 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: MI

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Rosebud Economic Development Corporation
State: FL

Complaint narrative:
I obtained a {$750.00} installment loan from Willow Lake Lending in XX/XX/year>. Since origination, I have paid approximately {$3500.00} through scheduled debits ( 34 payments of {$100.00} ), yet the lender is still asserting a remaining balance of approximately {$580.00}. I am disputing the lenders payment practices and ongoing ACH withdrawals. Given the substantial amount already collected relative to the original principal, I have serious concerns about how payments have been applied and how the remaining balance has been calculated. I revoked ACH authorization and notified both the lender and my bank that no further electronic debits are authorized. I also opened a dispute with my bank and provided supporting documentation, including the loan agreement and payment-related records. Despite these actions, collection activity appears ongoing and the lender continues to claim a remaining balance. I am requesting review of the lenders payment practices, a full accounting of all payments made ( including allocation to principal, finance charges, and fees ), and review of any improper or unauthorized withdrawals, including any withdrawal attempts after revocation of authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX me to have medical care for my auto injuries and stuck me with the bill. They dropped me XXXX prior to the statute of limitations so I could not get another attorney. I'm being contacted by Synergetic Communications regarding a charge for rehabilitation in the amount of {$9700.00} and its showing on my credit report. It is not my bill and I would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I did not receive any notice of this debt. The only thing i received a letter from Credit Collection Services telephone number XXXX also they do not have permission to have my personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
CAINE amp WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE amp WEINER 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 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
i previously disputed the accuracy of information reported by capital one auto finance regarding my account. in response, i received a generic statement that the information was verified as accurate ; however, no supporting documentation or detailed explanation was provided. under the fair credit reporting act, furnishers are required to conduct a reasonable investigation and verify the accuracy of the information they report. capital one has failed to provide sufficient evidence that a proper investigation was conducted or that the reported information is fully accurate. i am requesting that capital one either provide complete documentation verifying the account, including payment history and any derogatory reporting, or remove the account from all credit reporting agencies if such verification can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: OPORTUN FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, I entered into an installment loan agreement. The total amount financed was {$10000.00}, which included a refinance of {$2300.00} from a prior loan with the same company. I was charged a 'prepaid finance charge ' ( administrative fee ) of {$860.00}, which represents nearly 11 % of the actual cash I received ( {$7600.00} ). The effective APR is 35.70 %. Despite being a repeat customer with a perfect on-time payment history and a XXXX XXXX of XXXX at the time of the loan, the principal balance has barely decreased after nearly a year of payments. I believe the combination of a 35.70 % APR and the high administrative fees charged during repeated refinances constitutes a predatory lending practice that traps consumers in a debt cycle. On XX/XX/XXXX, I contacted the company to request a good-faith adjustment to the interest rate or a credit toward the administrative fee. The company refused to negotiate or offer any relief, stating that the terms are fixed in the contract. I am seeking a review of these practices and a reduction of the interest rate to a level that is fair and consistent with my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Fresh Holdings Inc
State: TX

Complaint narrative:
Subject : Incorrect Debt Balance and Refusal to Apply Payments Collection Account Dispute I am filing a complaint regarding a collection account that is being reported and collected inaccurately. I originally had a loan of approximately {$1000.00}, which went to collections for about {$1700.00}. Over the past year, I made consistent monthly payments of approximately {$110.00} and paid a total of about {$1600.00} toward this account. Based on this payment history, my remaining balance should be approximately {$110.00}. However, after one final payment did not process, the collection agency is now treating the account as if it has reset to the full balance of approximately {$1700.00}. They are refusing to accept my remaining balance and are instead demanding that I either restart payments or accept a new settlement amount of around {$400.00}. This would result in me paying significantly more than the original balance of the debt. Additionally : - I previously had access to an online account showing a remaining balance of approximately {$110.00}. - After speaking with a representative, the balance displayed has reverted back to the full amount. - The agency is unwilling to provide a clear accounting of how my payments were applied. I believe this is a misrepresentation of the amount owed and an attempt to collect more than what is legally due. I am requesting : 1. A full and accurate accounting of all payments made on this account 2. Correction of the current balance to reflect payments already made 3. The ability to pay the true remaining balance to close the account 4. Investigation into the collection agencys practices regarding resetting balances after missed payments I have records of payments made and am prepared to provide documentation if needed. Thank you for your assistance in resolving this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Starmark Financial LLC
State: TX

Complaint narrative:
Subject : Incorrect Debt Balance and Refusal to Apply Payments Collection Account Dispute I am filing a complaint regarding a collection account that is being reported and collected inaccurately. I originally had a loan of approximately {$1000.00}, which went to collections for about {$1700.00}. Over the past year, I made consistent monthly payments of approximately {$110.00} and paid a total of about {$1600.00} toward this account. Based on this payment history, my remaining balance should be approximately {$110.00}. However, after one final payment did not process, the collection agency is now treating the account as if it has reset to the full balance of approximately {$1700.00}. They are refusing to accept my remaining balance and are instead demanding that I either restart payments or accept a new settlement amount of around {$400.00}. This would result in me paying significantly more than the original balance of the debt. Additionally : - I previously had access to an online account showing a remaining balance of approximately {$110.00}. - After speaking with a representative, the balance displayed has reverted back to the full amount. - The agency is unwilling to provide a clear accounting of how my payments were applied. I believe this is a misrepresentation of the amount owed and an attempt to collect more than what is legally due. I am requesting : 1. A full and accurate accounting of all payments made on this account 2. Correction of the current balance to reflect payments already made 3. The ability to pay the true remaining balance to close the account 4. Investigation into the collection agencys practices regarding resetting balances after missed payments I have records of payments made and am prepared to provide documentation if needed. Thank you for your assistance in resolving this matter. 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 explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: IN

Complaint narrative:
I opened an account with Chime on XX/XX/year> under a {$350.00} promotional bonus offer. As advertised, the promotion required : Opening a new Chime account Receiving qualifying direct deposits within a specified timeframe Activating the debit card within a set period after the first direct deposit I received my first qualifying direct deposit of {$200.00} on XX/XX/year>, satisfying the deposit requirement. Before receiving my debit card, I contacted Chime because tracking showed the card would not arrive within the required activation window. During this call, I was told that the delay would not affect my eligibility and that I would still receive the promotional bonus. My debit card was delivered approximately 15 days after my first direct deposit, which was outside the activation timeframe referenced in the promotion. I activated the card immediately upon receipt. I contacted Chime again after activating the card. During this second interaction, I was told that I had met all qualifying requirements, including the direct deposit requirement, and was instructed to call back on XX/XX/year>, at which time they would manually apply the {$350.00} bonus. On XX/XX/year>, I contacted Chime again as instructed. At that time, I was told that the bonus would not be honored because the debit card was not activated within the required timeframe. This directly contradicts what I was told in my previous interactions. Additionally, I was told that : There is no way to escalate the issue There is no manager available There is no email or formal complaint channel I contacted Chime on at least three separate occasions, and in the first two interactions I was clearly told that I remained eligible and that the bonus would be manually applied. The delay in receiving the debit cardand therefore the inability to activate it within the required timeframewas outside of my control. I proactively contacted Chime to confirm my eligibility and relied on their assurances in good faith. I am requesting that Chime honor the {$350.00} promotional bonus based on the fact that I completed the qualifying direct deposit requirement, attempted to comply with all conditions, and was explicitly told by their representatives that the delayed card delivery would not impact my eligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
In approximately XXXX, I paid off an auto loan in full with LightStream. The loan has been satisfied, and LightStream has stated multiple times that the lien has been released. However, the electronic title has never been properly released to the XXXX XXXX XXXX XXXX XXXX. As a result, I have been unable to obtain a clear title for the vehicle. I have contacted LightStream several times over the past few years, and each time they repeat that the lien has been released. However, they do not address the actual issue, which is that the electronic title release was never completed or transmitted to the state. The release of a lien and the release of an electronic title are not the same, and the company has failed to complete the required step needed for the state of XXXX to issue a clear title. XXXX XXXX records still do not reflect a completed title release, and I have been unable to resolve this directly despite repeated attempts. I am requesting that LightStream either : Complete and confirm the electronic title release with the XXXX XXXX XXXX XXXX XXXX, including providing confirmation of submission I have received notarized paperwork stating they released the lien but the state of XXXX demands this be electronic This issue has remained unresolved despite multiple contacts, and I am seeking assistance to have the title properly released.

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 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: GA

Complaint narrative:
I am filing a complaint regarding inaccurate and unresolved reporting by XXXX XXXX XXXX. I disputed this account and requested proper validation of the debt, however the information being reported remains unverified and inaccurate. I request full documentation of the original agreement, payment history, and chain of ownership. If this account can not be fully verified, it should be removed from all credit reporting agencies immediately in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
XX/XX/year> at XXXX I received an email from Chime that there was a new login to my account and if this was not me to change my password immediately. At XXXX and XXXX 2 unauthorized transactions were made. A transfer of all my funds out of my savings account XXXX and " transfer to friends '' in the amount of XXXX to a person that I do not know. At XXXX when I woke up, I responded to the email notifications and immediately changed my password and contacted Chime and reported unauthorized charges and opened a dispute. Inside the app the transaction for the " transfer to friends '' shows XXXX but when I click on the transaction it then shows XXXX. I was requested to provide a screenshot of the email notifying me of the login from a different device. The fraud rep I spoke with verified the devices that were logged in to my account and advised they only saw an Iphone which was confirmed to be mine. But when I went into the app it showed the same day, I received the notification and the theft took place there was an XXXX that was signed in. I have no XXXX and have never signed into my bank account from an ipad. The XXXX was the unrecognized device that I received the notification for but the fraud rep never mentioned the device and when questioned about it they brushed it off and asked for me to provide proof of my location when the transaction took place but I have no way of proving that when I was asleep in my home other than doorbell camera showing me coming home and not leaving out anytime during the transaction since they can actually see the location and device that again they did not mention to me. My dispute was denied as they found no error because the transaction was done using a payment method in the app. I appealed the dispute and provided the timestamp information. The appeal was denied. They advised me that they would send me documentation showing proof of no error but all they sent me was a copy of the dispute intake form, a copy of the documentation that I sent them and a copy of my bank statement. None of this proved the reason for their decision. I requested additional information, but they advised that the police department could contact them. I filed a police report and appealed the decision again and it was again denied. The police told me that there was nothing that I could do and I am out of XXXX which has since put me in a financial hardship. I have not received assistance from Chime or my local police department and as a hardworking person who sacrificed to save that money and for it to be taken away from me has been devastating. I was going to file a complaint with consumer affairs but was advised by my local PD to file the complaint here. I just want my money returned to me that is rightfully mines and was taken away.

Company response to consumer: Closed with explanation