vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
XXXX XXXX XXXX is attempting to collect and previously reported an alleged auto deficiency originally associated with Exeter Finance that does not belong to me and is the result of identity theft and misattribution. I did not apply for, authorize, or knowingly sign any co-sign or primary borrower contract for this vehicle. 

XXXX XXXX was the individual who drove the vehicle and authorized all payments from her own bank account. I later discovered that my personal information was used by the dealership ( XXXX XXXX XXXX ) as the primary borrower due to XXXX XXXX lack of down payment and poor credit history, without my informed consent or authorization. 

I have an active arbitration proceeding against Exeter Finance regarding this account. Despite this, XXXX XXXX XXXX attempted to collect {$6500.00} while Exeter Finance reports a different deficiency balance of approximately {$9000.00}, demonstrating inconsistent and unreliable data. 

I timely disputed this account, requested debt validation, and requested identity theft blocking. XXXX failed to provide a wet-ink signed contract, chain of assignment, bill of sale, or proof of ownership. XXXX later admitted that it requested deletion of its tradeline, which confirms inability to verify. 

XXXX conduct constitutes attempts to collect a debt not owed, reporting without permissible purpose, failure to block identity-theft information, and furnishing inaccurate information in violation of the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Credit Control, LLC
State: SC

Complaint narrative:
Credit Control , LLC has sent me multiple letters of a debt. I have sent a certified cease and desist letter to this company and they still called me about this debt. 
They are asking me to use my tax money to pay of a debt. I have had anxiety attacks because they call from different numbers.

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: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: IL

Complaint narrative:
I am filing this complaint regarding inaccurate late payment and XXXX-day delinquency reporting furnished by EdFinancial Services on my federal student loan accounts. 

XXXX is reporting late payments for periods in which my loans were in an approved deferment, during which no payment was legally due. I have attached documentation confirming the deferment status. 

Despite this, EdFinancial continues to furnish late payment codes to consumer reporting agencies. Reporting a borrower as delinquent while simultaneously reporting the account as payment deferred is factually inaccurate, internally inconsistent, and unlawful under the Fair Credit Reporting Act ( FCRA ). 

These late payments have been previously disputed. EdFinancial has continued to verify the information without producing any competent documentary evidence that a payment obligation existed during the deferment period.

To date, EdFinancial has failed to provide : A billing statement showing an amount due during deferment A payment ledger establishing delinquency Due-date or grace-period calculations Proof that a payment was legally required Evidence of XXXX XXXX compliance Proof of a reasonable investigation as required by law Automated verification, system checks, or furnisher self-certification do not meet the legal standard for accuracy or reinvestigation. 

WHY THIS IS A PROBLEM Late payment reporting is a factual assertion, not an opinion. A consumer can not be late on a payment that was not due. By continuing to report these late payments without lawful authority or competent evidence, XXXX is furnishing information that fails the maximum possible accuracy standard required by the FCRA. 

This inaccurate reporting has caused material harm to my credit profile, including score suppression and loss of credit opportunities. 

LAWS AND REGULATIONS INVOLVED 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known or reasonably believed to be inaccurate 15 U.S.C. 1681s-2 ( a ) ( 2 ) Duty to correct inaccurate information 15 U.S.C. 1681s-2 ( b ) Duty to conduct a reasonable investigation 15 U.S.C. 1681e ( b ) Maximum possible accuracy 15 U.S.C. 1681i Reinvestigation requirements

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: IA

Complaint narrative:
They literally denied all of my XXXX disputes even though they weren't even made from my XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I opened a Citi Savings account under a promotional offer advertising a XXXX % APY for XXXX months, provided at least {$25000.00} in new funds was deposited within XXXX days of account opening. 

By XX/XX/year> ( within the XXXX-day requirement ), my balance reached approximately {$35000.00}, exceeding the {$25000.00} minimum threshold. These funds were deposited between XX/XX/XXXX and XX/XX/year>, and were all new external funds. I did not have any prior Citi checking or savings accounts before opening this account. 

Additional deposits between XX/XX/year> and XX/XX/year> increased the account balance to approximately {$89000.00}. 

During the promotional period ( approximately XX/XX/year> through XX/XX/year> ), Citi failed to apply the advertised XXXX5 % promotional APY and instead credited a much lower standard savings rate. The total interest Citi actually paid during this time was approximately {$49.00}. 

Based on my daily balances and the promotional XXXX % APY, Citi should have paid close to {$800.00} in interest during the promotional window. 

I contacted Citibank and requested a review. Citi responded that the account did not qualify because the deposited funds were not new to Citi. This explanation is incorrect. I never had a Citi deposit account prior to this account, and none of the funds were transferred from Citi. My only prior relationship with Citi was a credit card, which should not disqualify deposits from being considered new-to-bank funds. 

I believe Citibank misapplied its promotional eligibility criteria and failed to honor advertised terms. I am requesting Citi recalculate interest using the correct XXXX % APY and credit the missing interest.

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: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this mone! from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I am unable to access the funds in my XXXX  account because XXXX  has not provided the required account documentation needed to verify my identity and release or confirm access to my money. I requested complete account information, including monthly statements with my full name and address, confirmation of my verified identity details, and access to my account and routing numbers. XXXX statements are missing required identifying information, and support has not provided the documents needed to verify my account or confirm the status of my funds. I contacted XXXX  multiple times, but they did not resolve the issue or provide the requested information. I am requesting CFPB assistance to obtain the required documentation and restore full access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: AR

Complaint narrative:
Our daughter was arrested and a " cop '' called us and said that she completed a " pre-trial release packet '' and that she would be on XXXX XXXX  and would go to a XXXX XXXX and we just needed to send the money through an FDIC insured company such as Chime. The people who called sounded like police officers and convinced us that she would be staying in a XXXX XXXX  for XXXX months. He gave us a XXXX  XXXX his name and badge number. Everything sounded legit until the money had been transferred and they transferred us to a " XXXX ''. This was after the money was transferred and we realized it was a scam. We filed a police report and called Chime, but they would not help us so apparently scammers can use Chime without any repercussions. This was over {$450.00} because they used our love for our daughter to scam us out of money and Chime won't do anything except file an " alleged scam ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: MO

Complaint narrative:
NewRez took over my mortgage in XXXX of XXXX. At that time, I set up an account with them. When I tried later to view my loan information, the website said I needed my loan number, which I did not have. I tried intermittently for three years to see if I could access my loan, but could not. 

On XX/XX/XXXX, I successfully logged into my NewRez account and tried to access my loan information using my loan number, name, zip code, and SSN. I received the error message " Something went wrong. Please try again later. '' I tried the website 's chat feature, which directed me to call customer service. On that day, I spoke to customer service. The representative asked me to try a different browser, which I did. She asked me to try the XXXX  app, which I did. We were still unable to access the loan. She apologized and said she would follow up with technical support. 

On XX/XX/XXXX, I tried again and received the error message " Something went wrong. Please try again later. '' I submitted a complaint through the website explaining my situation and requesting assistance. I had not received a follow-up communication. 

On XX/XX/XXXX, I received an automated survey asking me about my recent customer service experience. I gave an explanation of the problem I was experiencing and requested assistance. 

On XX/XX/XXXX, I received a follow-up form letter from a no-replay email address instructing me to clear my cache and cookies, try a different browser, and try the mobile app, which is what I did with customer service ( see above ). I tried again and received the error message " Something went wrong. Please try again later. '' I have been trying to access my loan for over three years. I have talked on the phone customer service, I have used the " submit a request '' portal on the website, I have used the automated chat feature on the website, and I have responded to a customer service feedback automated reply. None of these sources has given me any help other than " try another method, '' or " Please try again later. '' I still can not access my loan information online.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
First, I did a mobile deposit for {$300.00} on XX/XX/year>, which was held 5 business days with no funds being released at all and being told there was no way to stop the deposit even right after it was done so I could cash it instead. They would not even release {$20.00}. Secondly, after the deposit finally went through in XX/XX/year>, the bank took money ( {$100.00} ) which, yes, was rightfully owed, but did it under false pretenses and did not notify me prior to the deposit ( which was held for 5 business days what they called processing, so the bank knew and could have notified me at any time ) it was going to be done nor that it was even done. I didn't find out until I went to check my account. I contacted customer service who kept repeating a script and would not even listen to me nor work with me so that payments could be made instead of the full amount being taken as I am incredibly short on funds.

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 when making payments — 
Company: Klarna AB
State: NJ

Complaint narrative:
In XX/XX/XXXX, I made a purchase of {$220.00} from XXXX using Klarna. Klarna paid the merchant upfront and placed the balance on an installment plan. 

Approximately two weeks later, I returned the merchandise in-store within the return window. The store processed the return, but incorrectly issued the refund directly to my personal Visa card instead of refunding Klarna, the original payer.

I contacted Klarna to dispute the charge so I would not be billed for returned merchandise. Klarna acknowledged that the item was returned and that the refund was routed incorrectly due to a merchant processing error. 

On XX/XX/XXXX, a Klarna customer service agent confirmed in writing that I would not be charged on this order while the merchant refund to Klarna was pending. 

Despite this assurance, Klarna charged my account on XX/XX/XXXX. I contacted Klarna again immediately. Klarna has continued to insist that I must repay the balance even though I do not possess the merchandise and was explicitly told I would not be charged. 

I am disputing the validity of this charge. The merchandise was returned, and there is no valid debt. I am seeking reversal of the XX/XX/XXXX charge, confirmation that no further charges will occur, and resolution of the merchant refund error between Klarna and the merchant without requiring payment from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/year>, my computer was infected with malware, allowing an attacker to hijack my active login session. The attacker initiated XXXX separate unauthorized transactions within a single hour, totaling {$5100.00}, to international merchants " XXXX XXXX '' ( XXXX ) and " XXXX '' ( XXXX ). I immediately contacted my bank. After a formal investigation under Federal Regulation E, my bank confirmed the transactions were unauthorized and issued a full refund/reversal of the stolen funds. Despite my bank confirming the fraud and reversing the payments, PayPal has applied a negative balance of roughly - {$4800.00} to my account. I have provided PayPal with : FBI XXXX Report ID : XXXX XXXX Bank Confirmation of Fraud PayPal has refused to correct the balance. On a recorded line ( available upon request ), a PayPal representative explicitly stated that even if the FBI confirmed the fraud, PayPal would not correct the balance because their internal system " did not see suspicious activity '' despite XXXX international transactions occurring within minutes. 
I am a XXXX  who relies on PayPal for business income. Because PayPal refuses to clear this fraudulent debt, they are currently seizing XXXX XXXX of my incoming sales. They have already intercepted and seized approximately {$500.00} of my earnings since the incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 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: PNC Bank N.A.
State: VA

Complaint narrative:
I am submitting this complaint regarding unauthorized XXXX debits from my business bank account following the insolvency of XXXX XXXX XXXX XXXX and successor billing activity associated with Employer.com. 

In XX/XX/XXXX, XXXX XXXX XXXX XXXX notified customers that it was shutting down services and that the platform would no longer be accessible effective immediately. XXXX XXXX XXXX XXXX became insolvent and ceased to exist as a separate entity on or about XX/XX/XXXX. 

Despite this shutdown and insolvency, the following ACH debits were withdrawn from my account : XX/XX/XXXX {$280.00} XX/XX/XXXX {$3500.00} The XXXX charge is substantially higher than my agreed rate and was never disclosed, invoiced, or authorized. 

XXXX has publicly stated it is a separate entity, not liable for XXXX prior obligations, and that customers must affirmatively opt in and acknowledge data/service transfer to establish a new subscription. I did not opt in, did not authorize any transfer, and did not consent to any new subscription or billing. 

Upon discovering the charges, I contacted XXXX in XX/XX/XXXX and explicitly requested cancellation, which was acknowledged. This further confirms that continued billing was not appropriate. 

These debits constitute unauthorized XXXX transactions arising from merchant insolvency and successor billing without consent, not a routine subscription dispute. I am requesting that my bank reopen the investigation, reverse both debits, and permanently block further ACH activity from XXXX XXXX and/or XXXX 

Supporting documentation is attached. 

Sincerely, XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
The XXXX Bank and PayPal are not able to resolve a declined purchase attempt. Between the XXXX institution they are only able to bounce the call around to the various call numbers : XXXX Attempt - XXXX - PayPal XXXX credit card XXXX Attempt - XXXX - PayPal XXXX XXXX Attempt - XXXX - Paypal XXXX XXXX Attempt - XXXX - PayPal XXXX XXXX Attempt - XXXX - PayPal credit card - XXXX  - Spoke XXXX times XXXX Attempt - XXXX - PayPal security - XXXX hrs security - loop - limitation issuer decline - code XXXX Attempt - XXXX - PayPal credit card - XXXX  so soultions was provided!

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

Complaint narrative:
I paid off my balances on all of my cards through synchrony bank. Starting with my XXXX credit card. I made a payment of XXXX. XXXX an amount of about XXXX. I then paid off my XXXX  credit card through synchrony bank. A balance of XXXX. Next payment made was to my Tjmaxx card through synchrony bank XXXX leaving a balance of XXXX. My next payment went to my care credit card through synchrony bank in the amount of XXXX leaving a balance of XXXX. All payments were made on XX/XX/year>. I waited sometime after doing this and requested account limit increases on my accounts to help with my credit score as I do not intend to open new credit cards. Ive had these for so long and they are in great standing I just wanted these to assist me with my score.As I planned on keeping them. Ive had a XXXX XXXX payment history on all of these cards. When synchrony sent me the letter stating the reason for the closure I was honestly shocked. XXXX states activity on accounts with synchrony bank indicative of high risk of failure to pay. All of the history on my accounts also my credit report states this is not the case. I felt like a relationship had ended honestly these cards Ive had for so long just poof gone. I have also after realizing they closed all of the accounts paid off all remaining balances. How can I try to fix this 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 — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
I began receiving collection calls from someone claiming I owed a debt to XXXX in XX/XX/XXXX. I thought it was a scam so I called XXXX. I called XXXX and was told I did not have a debt with them. XX/XX/XXXX I noticed a collection on my credit report from a collection agency listing XXXX as the original creditor in the amount of {$170.00}. I called XXXX again and they said it was a remaining balance that was charged off in the amount {$170.00}. They emailed me a copy of the last bill they mailed out. I never received the bill in the mail because it was sent to the wrong address. After receiving the electronic statement I mailed a check in the owed amount of {$170.00} to XXXX on XX/XX/XXXX. XXXX accepted the check. Today XX/XX/XXXX I look on my credit report to find the amount owed now states {$340.00}. I called XXXX again and they say no the amount owed was in fact {$170.00}. They did receive the check but they will be refunding me the {$170.00} because the debt was a charge off and Id have to contact the XXXX XXXX. I called the Collections agency and they stated XXXX had doubled the amount owed. I asked for an itemized statement and they said THEY WILL NOT GIVE ME AN ITEMIZED STATEMENT but will send me a bill for {$340.00}. I recorded the conversation with the collection agency for the record. I called XXXX XXXX XXXX again and they said they did not double the amount and the amount owed was in fact {$170.00}. The collection agency lied about the amount and refused to send me an itemized statement with a list of charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation