vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Starmark Financial LLC
State: TX

Complaint narrative:
I am filing a complaint regarding multiple collection accounts that are being reported inaccurately and inconsistently on my credit report. As of XX/XX/year>, I have a total of eight collection accounts reporting a combined balance of approximately {$6000.00}. These accounts are being reported by XXXX XXXX XXXX ( multiple accounts ), XXXX XXXX XXXX, XXXX XXXX XXXX, and Starmark Financial LLC. On or around XX/XX/year>, several accounts reported by XXXX XXXX XXXX show a balance totaling approximately {$3900.00}. XXXX specific account shows a balance of {$1200.00} and is marked paid while also being reported as past due. This is contradictory and misleading information. Additional accounts include : * XXXX XXXX XXXX reporting approximately {$430.00} ( updated XX/XX/year> ) * XXXX XXXX XXXX reporting approximately {$1100.00} related to a rental account ( updated XX/XX/year> ) * Starmark Financial LLC reporting approximately {$580.00} ( updated XX/XX/year> ) I have disputed these accounts due to concerns about accuracy, completeness, and proper validation. Specifically : * The reporting contains inconsistencies ( such as accounts marked both paid and past due ) * Some accounts do not show complete or accurate original balances * I have not been provided sufficient documentation verifying the debts, the amounts, or the legal authority of the companies reporting them These accounts are being reported by third-party debt buyers and collection agencies, and I am requesting verification that includes a full chain of ownership and supporting documentation. The inaccurate reporting is negatively impacting my credit and financial opportunities. I am requesting that all inaccurate, incomplete, or unverifiable information be corrected or removed following a proper investigation. I am seeking resolution to ensure my credit report reflects only accurate and verifiable information.

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 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: CA

Complaint narrative:
The advertisement for Chim to sign up that got me to switch banks eas the Borrowing service they have. If I signed up with direct deposits I would be able to borrow up to XXXX XXXX Well they did not say that the boring process was a daily thing. So the XXXX time I could borrow close to XXXX $ it helped me so much. But the next month I thought I was going to be able to do the same thing. NOPE! THE COMPANY ONKY GAVE ME AN OPTION FOR LIKE XXXX $ TO XXXX $ DAILY!?!?!? Why can they do this? It has been XXXX eviction notices now for me and XXXX going on my XXXX eviction notice now and to top it off they charge me XXXX $ for every time I borrow now. I am a sick lady. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX going to end up in the hospital because of this XXXX service. Why is it that they can take a huge chunk out of mt deposit each month but I can only take XXXX to XXXX $ a day with a XXXX $ penalty?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
CITI BANK PUT A BLOCK TO ACCESS MY ACCOUNT AFTER NOT RECOGNIZING MY OVERSEAS BANK TRANSACTIONS. WITHOUT A NOTICE THEY FAILED TO HELP ME RESOLVE THIS ISSUE, I HAVE BEEN WAITING FOR THE LETTER THEY CLAIMED HAVE SENT TO ME BUT I NEVER RECEIVE. I WANT MY MONEY THEY ARE HOLDING AND I DONT HAVE ACCESS TO IT. I CANT EVEN CLOSE THAT ACCOUNT BECAUSE THEY ARE NOT PROVIDING ME WITH ANY SUPPORT. I AM TOOOOOO TIRED OF THE ASSOCIATE PROMISES I NEED CITIBANK OUT OF MY LIFE, I NEED MY MONEY BACK THEY HAVE THE WORSE FRAUD PROTECTION I EVER experienced IN BANKING THE LAST FRAUD REP NAME IS XXXX, SPOKE WITH HER TODAY XX/XX/year>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 2026-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MS

Complaint narrative:
I was the victim of a bank impersonation scam involving XXXX and Cash App on or around XX/XX/year>. I received a phone call that appeared to come from a legitimate XXXX phone number, along with a text message consistent with XXXX security alerts ( including a password message ). Based on these communications, I reasonably believed I was interacting with my bank. As a result of this deception, I was manipulated into sending {$4900.00} through Cash App. I did not intend to send money to a third party and did not receive any benefit. XXXX and Cash App denied my claim, stating the transactions were authorized, but failed to adequately consider that I was misled through impersonation of their institution. This raises serious concerns about fraud prevention, customer protection, and investigation practices. I am requesting a full reinvestigation and reimbursement of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX around XXXXXXXX XXXX a Cash App account under the name XXXX XXXX got into my account and took {$610.00} from my Cash App. I have never sent money to this person before. I disputed it with Cash App, but they refused to refund my money and said I authorized the transaction, even though they acknowledged that another device logged into my account and accessed my funds. I also made an appeal, but they still stood by their decision. I have now opened a case with XXXX, the bank I used to transfer the money, and I am currently waiting to hear back since I just opened the claim. I also have evidence from XXXX showing suspicious activity around the same time, which supports that my account was compromised. This was an unauthorized transaction, and I am requesting a full investigation and reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
I am becoming aware of this situation day by day. It appears that my personal information has been compromised, and I have had two credit card accounts with JPMorgan Chase where fraudulent charges were made. Both accounts were closed without giving me the opportunity to make the corresponding payments. The accounts are as follows : JPMCB XXXX JPMCB XXXX I contacted the bank, and they informed me that the accounts are settled. However, when I review my credit report, it still shows that I owe balances on these accounts. Therefore, I would like to formally dispute and request correction of this error. Additionally, XXXX XXXX is reporting an incorrect payment under the following account : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 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: GA

Complaint narrative:
I've been making payments that auto-allocate across several loans. XXXX of these loans has been paid off for over XXXX years. After this loan was closed, MOHELA has applied multiple payments to the XXXX balance loan amount, instead of to the remaining outstanding loans, resulting in a negative balance of ( {$350.00} ). This artificially increases the principle balance owed on the other loans, and increases the interest I've been paying on these loans for over XXXX years. I've contacted the company multiple times to resolve, both via email and phone. Email responses tell me the amount is or will be automatically reallocated ( which has not happened ). Phone calls are met with hour plus wait times, only to be immediately hung up on or told to call back later. I've also requested the exact details about what payments were applied to this specific loan and when, but have not received this information.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I am filing a complaint against Portfolio Recovery Associates , LLC regarding inaccurate credit reporting and improper debt collection practices. Portfolio Recovery Associates has reported an alleged debt on my credit reports. I disputed the accuracy of this account with the consumer reporting agencies. Despite my dispute, the account was verified as accurate. However, Portfolio Recovery Associates has failed to provide sufficient documentation to establish ownership of the alleged debt or to verify the accuracy of the amount claimed. The company is currently pursuing legal action against me in XXXX XXXX, Missouri ( XXXX XXXX. XXXX ), yet has not produced adequate admissible evidence to support its claims. Upon information and belief, Portfolio Recovery Associates did not conduct a reasonable investigation as required by the Fair Credit Reporting Act after receiving notice of my dispute from the credit reporting agencies. By continuing to report this account as accurate without proper verification, Portfolio Recovery Associates is furnishing inaccurate and misleading information. This conduct has caused damage to my credit reputation, lowered my credit score, and resulted in significant stress and inconvenience. I request that Portfolio Recovery Associates : 1. Conduct a proper and reasonable investigation of the disputed account ; 2. Provide documentation proving ownership and the amount of the alleged debt ; 3. Correct or delete any inaccurate or unverifiable information from my credit reports ; 4. Cease reporting the account if it can not be properly verified. I also request that this complaint be placed on record as part of a pattern of conduct relevant to ongoing litigation. I declare that the information provided is true and correct to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Subject : Debt Validation Request To Whom It May Concern, I am writing in response to your communication regarding an alleged debt. I do not acknowledge this debt and request validation of it pursuant to my rights under the Fair Debt Collection Practices Act. Please provide the following : The amount of the alleged debt, including any fees, interest, or charges The name and address of the original creditor Documentation showing I am legally obligated to pay this debt A copy of any agreement bearing my signature Proof that your company is authorized to collect in my state Until you provide proper validation, you must cease collection efforts and refrain from reporting this debt to any credit reporting agencies. If this debt has already been reported, please note that reporting inaccurate or unverified information may violate the Fair Credit Reporting Act. I request that all future communication be conducted in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
I hold FHA Loan XX/XX/XXXXXXXX with loanDepot LLC on the property at XXXX XXXX XXXX XXXX, XXXX AZ XXXX. On XX/XX/XXXX the Town of XXXX issued a formal Notice and Order declaring the property unsafe under the XXXX Uniform CXX/XX/XXXXe for Abatement of Dangerous Buildings citing XXXX XXXX violations including an imminent fire hazard and suspending the certificate of occupancy. I submitted a hardship affidavit requesting immediate FHA forbearance citing the official unsafe structure determination and estimated repair costs of {$10000.00} to {$14000.00}. LoanDepot has refused to cooperate with my forbearance request despite an active official government finding that the property is uninhabitable. I have also filed with XX/XX/XXXXXXXX, the XX/XX/XXXXXXXX XXXX under Service RequestXX/XX/XXXXXXXX, and the Arizona Attorney General documenting a broader pattern of fraud associated with this property. I am requesting CFPB intervention to compel loanDepot to fulfill its FHA servicing obligations and grant immediate forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I got an alert on XXXX XXXX that my synchrony bank account was closed without my permission my XXXX XXXX card. I was in good standings with them and paid off the credit card. I had a credit limit of {$6000.00}. I contacted synchrony bank immediately through online chat to get a hold of somebody. They told me that the bureaus did it which is a complete lie and I told them that I have screenshots of this on my phone synchrony bank closing out my account lowered my credit by XXXX points, which is a lot. I would understand if I was not in good standings with synchrony Bank, but I did not do anything to make this closure reasonable. I told them that they are lying to me and I need proof they were supposed to send me an email. They never did. I need help with this issue. I have never experienced anything like this, before especially from a good paying trusted customer.

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 2026-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
I am filing a complaint regarding an account wth One Main Financial-account XX/XX/XXXXXXXX, that is being reported inaccurately and incompletely on my credit report by XX/XX/XXXX, and XX/XX/XXXX. The account was charged off and sold to another company ; however the ccurrent creditor information is not being reported. This makes the account incomplete and unverifiable under the Fair Credit Reporting Act. I disputed this account and requested a signed contract, full payment history and prooof of assignment and ownership of the debt. Additionally, the reporting lacks required information about the current creditor, which prevents proper investigation and verification. Under the FCrA XXXX ( b ), and XXXX, all reported information must be accurate and complete. This account does not meet those standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: MO

Complaint narrative:
XX/XX/XXXX - XXXX after my phone was stolen while living in an abandoned house due to my money to move into assisted living was stolen and current denied the dispute. After so long and so many reports against them they deposited it when my phone was stolen. People borrowed my phone reg and had the code I believe. No one would let me use their phone during this time. I didn't know about the deposit. I didn't know about the XXXX current pay transactions that sent all my money to a man I didn't know. I now know XXXX XXXX is a homeless convicted felon on parole addicted to XXXX. I finally saw the account when I used an office chair to roll to the XXXX XXXX and used a strangers phone to log in and see the money I prayed for deposit and get stolen in three payments. This can be verified by that phone never being used again I used to see the account. Current denied when I was finally able to file dispute. Starving with nothing in a house with no power and dangerous people. Current denied and said normal transactions. NORMAL WOULD HAVE BEEN AN XXXX TO SAFE PLACE. FOOD. SHOPPING. NORMAL TRANSACTIONS. ALL THERE IS IS MANY EFFORTS TO SEND ALL MY MONEY OUT TO A HOMELESS CRIMINAL JUNKIE IVE NEVER HAD CONTACT WITH. CURRENT DID NOTHING TO PROTECT ME. I NEED TO HAVE TO USE ID. IT TOOK FOREVER BEFORE I WAS ABLE TO REPORT TO THE POLICE. I GAVE CURRENT HIS PAROLE OFFICERS INFO SO THEY COULD INVESTIGATE HIM. ID LIKE TO KNOW WHY I WOULD GIVE THIS EVIL STRANGER ALL MY MONEY. I plan to hold current responsible for all terrible things that have happened while I'm trapped in XXXX and they denied an obvious fraud dispute. Help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: AZ

Complaint narrative:
I want to use my card my card is locked up I had to send verification of my ID to this company so they could unlock it it was supposed to be done on Saturday and they told me that it got erased out of the system that I had to send my documents all over again now I have to wait another 48 hours to get my money it's been 4 days now I'm not going to get my money till Monday I'm completely broke and XXXX and don't have any money right now and they're holding my funds

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX being charged an over draft fee for charges that were already paid for

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Harley Davidson Financial Services Inc
State: FL

Complaint narrative:
My ex partner and I co-signed together with this bike. My ex partner then stop making payments and began to XXXX XXXX me and our relationship. I have tried to get my name removed, ive tried to help the company find the bike, ive been cooperative with the company, but the person who owns the bike fled the city. At this point, the bike is stolen as he will not make payments or answer calls to return the bike. He left the city around the beginning of XX/XX/year>, he owes about XXXX on the bike, the company said they can not take my name off even with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint regarding inaccurate and unverified reporting on my XXXX consumer file. XXXX XXXX XXXX is reporting a negative account ; however, they have failed to respond to my attempts to resolve the matter or provide validation. This lack of response raises serious concerns regarding the accuracy of the reported information. Additionally, there are multiple inquiries listed on my XXXX report that I do not recognize and did not authorize. These inquiries may not have a permissible purpose and should not be reported. I am requesting : 1. Immediate investigation and removal of the XXXX account if it can not be properly verified. 2. Removal of any unauthorized or unverifiable inquiries from my XXXX report. Failure to properly investigate and correct this information may constitute non-compliance with consumer reporting laws. I expect this matter to be resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Selene Holdings LLC
State: NY

Complaint narrative:
CFPB Complaint Inaccurate Payment Reporting and Failure to Properly Investigate I am filing this complaint against my loan servicer regarding inaccurate payment reporting and a failure to conduct a complete and reasonable investigation. On XX/XX/year>, I initiated a wire transfer payment from my business account with XXXX XXXX XXXX using the exact payment instructions provided by the servicers representative. The payment details are as follows : XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Routing Number : XXXX Account Number : XXXX Account Name : Wire Clearing Reference : Selene Finance Loan # XXXX Property : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This payment was made in good faith and prior to the 30-day delinquency threshold of XX/XX/year>. Although the wire transfer was later returned to my account on XX/XX/year>, the key fact remains that I made a timely and valid payment attempt within the required period. The servicers response acknowledges two returned payments dated XX/XX/XXXX and XX/XX/year>. However, they have completely failed to account for or address the XX/XX/year> payment in their findings. This omission is critical and results in an inaccurate and misleading payment historAAy. Because of this incomplete and improper review, the servicer has either reported or may report negative information to credit bureaus that does not accurately reflect my payment activity. This is unacceptable. I am formally disputing the accuracy of the payment history and the adequacy of the investigation conducted. I am requesting the following : Immediate correction of the account records to reflect the XX/XX/year> payment attempt Confirmation that no negative information related to this matter has been or will be reported to any consumer reporting agency Immediate removal of any derogatory credit reporting, if already furnished A complete and documented explanation of how the investigation was conducted and why the XX/XX/year> payment was omitted I have attached supporting documentation, including XXXX and XXXX bank statements, showing both the outgoing wire on XX/XX/year> and the returned funds on XX/XX/year>. This matter requires immediate attention, as inaccurate reporting may cause significant harm to my credit profile. I request that the Consumer Financial Protection Bureau review this matter and ensure that the servicer complies with all applicable consumer protection laws and corrects the record accordingly. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation