vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/year> I canceled my membership plan with Experian however my credit card is still being charged. When I canceled the plan I received an email confirmation of the cancellation. I have attempted to remove my credit card information from my Experian account to prevent future charges however Experian does not allow that function which poses a high risk to consumers since Experian does not have the need to have that information any longer, and is creating unauthorized charges to that credit card, which I am having to dispute through the bank. I have attempted to speak with a live agent from Experian but they only offer an AI agent which is not acceptable customer service, since AI is not equipped to resolve this type of issue. Experian is essentially making it impossible for its customers to successfully cancel their accounts and stop further credit card charges. The myriad of loops and paths the customer must take just to get to the screen to cancel the account is another issue posing a high risk to the customer that I would like this agency to address.

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 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I am filing a complaint against LMMINC regarding inaccurate, inconsistent, and misleading reporting of a collection account on my credit report. This account, originally from XXXX XXXX, is currently being reported with significant inconsistencies across the credit bureaus. Specifically : * The account is reported as open on one bureau and closed on others * The dispute status is not consistent across all bureaus * Key account details such as dates and account status vary These inconsistencies raise serious concerns regarding the accuracy and reliability of the information being reported. Additionally, this is a medical collection account, which is subject to strict reporting requirements. The current reporting appears incomplete and misleading. Under the Fair Credit Reporting Act ( FCRA ), collection agencies are required to : * Report information that is accurate, complete, and not misleading * Conduct a reasonable investigation of disputed information * Properly update dispute status across all credit bureaus The current reporting does not meet these requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I receive multiple phone calls about a 12 year-old debt from Sears that I have no recollection or knowledge of. Ive told these people countless times I have no clue what youre talking about and they have threatened me with legal actions even calling me XXXX on a recorded line. Theyve been harassing me for three months now. And Im getting calls from different people referring me to the same law firm. The most recent number that called me is XXXX ( XXXX ) XXXX and they told me to call this number ( XXXX ) XXXX where this person has called me, XXXX, XXXX and XXXX because I do not recognize the account

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 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
JP Morgan Chase bank closed my personal checking account because of too many reversals which i can prove the merchant were wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
On XX/XX/XXXX I made a payment towards the loan manually. I was then charged again on XX/XX/XXXX. I called the company and they could not verify my identity with the randomized address that were completely unfamiliar to me on both attempts. This led to me having to send in a picture of my drivers license and a picture of my face just so that I could ask them about the charge. When looking at the account on my end with my computer, the representative walked me through how to cancel automatic payments. I asked for documentation on when I opted into automatic payments since I was certain I hadn't and I couldn't find any verification of it in my email. They said they don't have information like that. I was then charged again on XX/XX/XXXX. Since my bank account did not have the money to cover either of these payments, the money was automatically refunded and I was charged {$35.00} fees for the overdraft. As you can see on the XXXX document attached, the only payment that verifies an automatic payment is the very last one which occurred after I had called the company. This is just one incident in a pattern of seemingly intentionally designed to create difficulties for the consumer, there have been a lot of issues with AFCU that make me think that this is just going to result in several years of me having to stay vigilant and spend my time monitoring, disputing, and documenting our transactions and interactions until the loan is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: IL

Complaint narrative:
JEFFERSON CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL LL 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 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CO

Complaint narrative:
Chime closed my bank account with almost {$80000.00} in it. They wanted me to verify myself, which I did. They told me in writing my check would be mailed in 5-10 days. It's been almost XXXX years and they don't respond to email and won't provide info over the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ROBINHOOD MARKETS INC.
State: AL

Complaint narrative:
For over 30 days I was unable to make payments on my Robinhood Credit account due to repeated failures of the company 's own micro-deposit bank verification system. I made three separate attempts to link my checking account for payment purposes. All three failed through no fault of my own. During this entire period, Robinhood Credit sent me multiple emails threatening damage to my credit score for non-payment while their own system was the direct cause of my inability to pay. I was told repeatedly by phone representatives that a manager would contact me within 24 hours. I waited over one week each time with no response. All calls were recorded with verbal notice given at the start of each call. When a manager finally contacted me on the same day I independently completed a payment his only solution was to restart the same broken verification process. I have been a willing and able payer throughout this entire period. The failure is entirely systemic on Robinhood 's part. I am requesting removal of any negative credit reporting applied during this period, waiver of all late fees and penalties accrued, and a written explanation of corrective action. I have documented all correspondence, emails, and recorded phone calls as evidence. I wan not able to attach phone recordings to this complaint but can provide is asked for at a later date.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I went to a local locksmith to have a keyblade cut on XX/XX/XXXX of XXXX and was charged {$110.00} upfront to order the keyblade and have it cut. It has since been a back and forth thats lasted nearly a month and I still dont have the key I paid for, Ive called them and left voicemails as well as emailed them and requested a refund through CashApp and they declined it but also refuse to contact me or take my calls. I have also made a dispute with my bank XXXX but they declined it stating the transaction was authorized. Which is true however I authorized it under the assumption I was paying for a service/item yet Ive never received said item/service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year> there was a charge for {$1000.00} paid to XXXX on my Visa Cash App debit card. This was an unauthorized transaction. I have never heard of this site. Furthermore, I live in the state of Florida which is not even an eligible state according to their app. I have opened a dispute with both cash app and XXXX, but as of today I am still out {$1000.00}, funds I desperately need to pay my XXXX rent. I am now in jeopardy of eviction due to lack of funds in my account caused by the fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: NY

Complaint narrative:
I am filing this complaint regarding an unauthorized transaction on my account that Chime has failed to properly investigate. A charge was made to XXXX using my card. I did not authorize this transaction and I do not own or have access to any XXXX account associated with this charges. I have also lost my main device and could be the main reason for how this happened. I have informed chime that. I contacted XXXX directly, and they confirmed in writing that : * There was no deposit made using my card for the date in question * The account associated with the charge is not mine * They advised me to contact my bank regarding the unauthorized charge I submitted this evidence to Chime, including the written confirmation from XXXX. Despite this, Chime denied my dispute twice within a very short timeframe ( approximately 2 days ), indicating that a proper and reasonable investigation may not have been conducted. This situation involves an unauthorized transaction, not a billing dispute. Under federal regulations, I am entitled to a thorough investigation of fraudulent charges. Chime has not adequately considered the evidence provided by the merchant confirming that the transaction is not linked to me. I am requesting that Chime : 1. Reopen and properly investigate this unauthorized transaction 2. Review and consider the written confirmation provided by XXXX 3. Refund the unauthorized charge to my account I am prepared to provide all supporting documentation, including the email from XXXX confirming that the charge is not associated with my account. This matter has caused financial XXXX, and I am requesting a prompt and fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: GA

Complaint narrative:
JEFFERSON CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL LL 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 2026-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Click n' Close, Inc.
State: NC

Complaint narrative:
We closed on our home XXXX of XXXX At closing we paid {$4800.00} that payment was handed to that closing Attorney XXXX XXXX ( XXXX ) Apparently our homeowners insurance was never paid to XXXX XXXX XXXXXXXX ( our agent XXXX XXXX XXXX So for the entire XXXX year we had no homeowners insurance on our home According to click n ' close ( our mortgage lender ) when it came time to receive a renewal bill from XXXX XXXX XXXX so that our insurance could be paid from our escrow account they did not receive anything Click n ' Close states that they called XXXX XXXX XXXXXXXX and spoke to somebody on two separate occasions. One occasion they state the representative told them they could not locate our policy and on another occasion they state that the rep provided them with a website they could go to too locate our policy which they could not find. Click n ' Close states that they mailed out two letter to us in XXXX and XXXX of XXXX however we never received those letters. We also did not receive any calls or emails regarding this matter Click n ' Close then proceeded with putting a force placed homeowners policy on our home without any notice in XXXX of XXXX which they stated did not start to get paid until XXXX or XXXX of XXXX but they are also stating that we owe 10 months of this force placed insurance. I did speak with the closing attorney and both the closing attorney and our lender have stated that there was a {$300.00} check sent to XXXX XXXX XXXX but it was returned and nobody seems to knows what happened with the check or the remaining amount that was supposed to be paid to XXXX XXXX XXXX. The closing attorney then stated that paying the homeowners insurance was not on his list of things to pay and that click n ' close was supposed to be paying it out of our escrow account. However click n ' close is stating that the title company ( the attorney ) was supposed to pay. I did also receive an email from XXXX XXXX in XXXX of XXXX stating she had not yet received payment from the attorney as well. The attorney is stating that he never received a call or an email from XXXX XXXX. Our mortgage payment has now gone up an additional {$500.00} because of taxes and this forced placed insurance that we were not made aware of and we have now been left with more questions than answers as this continued " investigation '' with click n ' close continues to be prolonged each time we reach out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My XXXX branded Chase credit card that I have had for years has a yearly bonus of a free XXXX night credit for spending {$15000.00} annually. Prior years went fine. I went to their website in XXXX to verify my XXXX year 's spending and it informed me that I had spent {$16000.00} for the year so far. I also called them and they verified this in XXXX.. I printed out a screenshot on XXXX, XXXX, of this year to prove this. I have made multiple demand my free night from Chase and they refuse to give me the free night. They have documented their refusal in writing, stating that I spent only {$14000.00}. They have been unwilling to : Accept responsibility for lying to me, knowing that I would rely on the information on their website. The only other way to get this number would be to use a calculator to add up all my annual spending and returns to get that figure and nobody in their right mind would think they needed to do that for every credit card, especially when that number is available on the website. Certainly one should expect a bank to get their numbers right! Admit their error and send me my free night. I have had to work too hard to get what is owed me, that includes phone calls and now this. The law of promissory estoppel in civil contracts says that a person has the right to rely on promises made by another. I am relying on them to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Acra Intermediate Holdings, LLC
State: FL

Complaint narrative:
I TOOK OUT THIS LOAN IN 2018 AND HAS MADE ALL THE PAYMENTS. INSTEAD OF THE LOAN BALANCE DECREASING AS HAS INCREADED OVER TIME. I REQUESTED THAT THE COMPANT XXXX XXXX XXXX DO A FORENSIC ACCOUNTING OF MY ACCOUNT AS I BORROWED {$510000.00} AND THEY SENT ME STATEMENT SHOWING BALANCE OF {$460000.00} WHICH IS NOT CORRECT THE PROBLEM BEGAN WHEN THE SERVICING OF THE LOAN CHANGED FROM A XXXX XXXX IN CALIFORNIA TO THE NOW GEORGIA OFFICE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I am filing this complaint regarding an account that is being inaccurately reported on my credit report. This account was satisfied through a wage garnishment in XXXX ; however, it continues to reflect an incorrect balance and/or status. I have submitted multiple disputes with the credit reporting agencies, providing supporting information, but each dispute has been denied without any correction or meaningful investigation. This inaccurate reporting is negatively impacting my credit profile. I am requesting that this account be properly updated to reflect a paid/zero balance status. If any funds were over-collected or misapplied during the garnishment process, I am also requesting a review and reimbursement of those funds. Please provide documentation supporting the current reported balance and details of the investigation conducted in response to my prior disputes. I am seeking a fair resolution, including correction of the credit report and/or any applicable refund.

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 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have disputed this debt on my XXXX XXXX account multiple times with each time being denied. I am the victim of identity theft as reported to the ftc and the nys attorney general. Someone stole all my info and used it to open up credit in my name charging thousands of dollars to my credit report. I cant remember the dates or times because I have XXXX XXXX XXXX XXXX but I have written notes on what was disputed. This isn't my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: IL

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS # XXXX I am formally requesting verification of the collection account reported on my credit report. Under the Fair Credit Reporting Act, you are required to report only information that is complete and verifiable. I am requesting that you provide full documentation supporting this account, including : -Original signed contract -Complete payment history -Proof of lawful collection -Copies of all notices sent to me including right to cure and sale notice -Detailed balance calculation If you are unable to provide this documentation, then under the FCRA, this account must be removed from my credit report immediately. Additionally, if any portion of this account is inaccurate, incomplete, or unverifiable, I demand its deletion. Please investigate this matter and respond within the tie required by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
This is a continuation of case XXXX, submitted on XX/XX/year>. Newrez owes me {$930.00} as Escrow balance. Please remove this amount from my account and adjust my monthly payment back to {$1300.00}. I paid my XXXX XXXX through my own bank account. I never receive any refund from XXXX XXXX. XXXX {$930.00} is between Newrez and XXXX XXXX, I have nothing to do with that.

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