vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been dealing with fraud for several months on my account since XXXX of XXXX. Every XXXX days several charges were made to the account. I have never lost or had my card stolen. The fraud was happening somewhere in a digital system since I use tap to pay via my phone or the card most often. I have contacted Citi bank several times and all they have done is send new cards and not actually done anything to resolve the issue. When I contacted them, they noted that they had only investigated XXXX out of the several fraud charges because the others had not actually posted and they didn't consider the unposted/declined charges as fraud. Their only resolution was to send a new card. The most recent fraud occured on XX/XX/XXXX. I contacted them XX/XX/XXXX to give further information to the fraud department regarding the most recent investigation. I logged into my account today XX/XX/XXXX to find out that my account was closed without any notification prior. No warning. When I contacted their customer service, I was transferred to 4 different departments and no one is able to tell me why. One person mentioned a letter is being mailed to me. I am upset as a long time customer since XX/XX/XXXX and have never had issues or missed/late payments. These past several months the company has neglected to do their job correctly and now this could potentially affect my credit score at no fault of my own.

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 monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was a Capital One customer for 5 years, and I had no late payments at all my records will speak for me with them. Two months ago I lost my job and faced financial hardship, and I couldn't make payment, and they closed my account because the payments were returned, and I made payment a few days ago, and I was about to pay the other cards soon. The way they treat their customer is so bad, and I just asked to reopen my account so I can keep it and start making payments again and go back to normal. 

XX/XX/year> - A payment of {$3500.00} was made, and still my account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
First fraud happened XX/XX/year> someone tried to use my XXXX  to buy from.XXXX XXXX then I called the bank to stop it. 
On XX/XX/year> citi bank closed both of my accounts. I called them.several time for 7 days to fix the issue but they didn't help and told me they sent litters to my address to explain why they closed it permenantly. 
They asked about my address and phone and email to verify then they told me they have different information. On XX/XX/year> I looked up at my bank app and found out that Citi bank changed my home address, phone number and phone number without notifying me that causes chase to close my accounts and capital.one to restrict my accounts as well. Citi bank report the new address they got on my file which is not mine to credit berue. I lost access to my Citi bank account at all

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 monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: HI

Complaint narrative:
I have a recording that he threatened to call my mortgage lender

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: AZ

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to formally report what I believe to be unfair, deceptive, and potentially unlawful practices by TRUEACCORD regarding my account XXXX Despite repeated attempts to resolve this matter directly, TRUEACCORD has failed to correct the issue or provide a satisfactory explanation. Their conduct demonstrates a clear disregard for consumer protection obligations and has caused me unnecessary financial harm, stress, and wasted time. 
Specifically, inaccurate billing, unauthorized charges, failure to honor written agreements, improper credit reporting, refusal to correct errors, etc.. These actions appear to violate the Consumer Financial Protection Act and may also implicate other applicable federal and state consumer protection laws.

What is most troubling is that TRUEACCORD has been fully aware of this issue since XX/XX/year> and has either ignored my communications or provided misleading, contradictory, or boilerplate responses. This pattern suggests systemic compliance failures rather than an isolated error. 
I am requesting that the CFPB : Require TRUEACCORD to immediately correct this issue ; Ensure that any inaccurate information is fully reversed or removed ; Confirm that no negative credit reporting or additional fees result from their misconduct ; and Investigate whether TRUEACCORD engaging in similar practices with other consumers. 
I expect a written response addressing this complaint in full, not a generic or dismissive reply. If this matter is not resolved promptly and completely, I am prepared to pursue additional remedies available to me under the law. 
Thank you for your attention to this matter. I trust the CFPB will take this complaint seriously and hold TRUEACCORD accountable. 
Sincerely, XXXX XXXX XXXX XXXX, AZ 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 2026-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC
State: TX

Complaint narrative:
I am disputing a collection account reported by Qualia Collection Services related to an apartment I lived in in XXXX. 

This account was recently placed into collections years after move-out. I disputed the account with XXXX, XXXX XXXX and the dispute was marked resolved without clear validation or documentation. 

Qualia Collection Services has failed to provide proper debt validation, but stated that they tried reaching out. I dont have an email they claim they sent including an itemized breakdown of charges, a copy of the lease, proof of move-out accounting, and proof they have legal authority to collect this debt. 

I did not receive proper notice of this alleged debt prior to it being reported to my credit. As reported, the account is inaccurate and unverifiable under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. 

I am requesting that Qualia Collection Services either fully validate this debt with proper documentation or remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Sports & Imports Auto
State: GA

Complaint narrative:
I purchased a used XXXX  XXXX XXXX XXXX from a buy-here-pay-here car dealership in Georgia. At the time of purchase, I was verbally told the vehicle price was approximately {$10000.00} plus interest. I put {$4000.00} down as a down payment and agreed to weekly payments of {$120.00}.

I have now had the vehicle for approximately three years and have made consistent weekly payments totaling approximately {$19000.00}, in addition to the {$4000.00} down payment, for a total of about {$23000.00} paid so far. Despite this, the dealership is claiming that I still owe approximately {$13000.00}. This would result in a total cost of over {$36000.00} for a 2010 vehicle, which is grossly disproportionate to the vehicles value. 
I believe I was misled regarding the true price and financing terms of the vehicle. I was never provided a copy of the Retail Installment Sales Contract at the time of purchase or afterward. I have requested documentation and have only received a photo showing the remaining balance, not a full contract or payment breakdown. 
I believe this constitutes deceptive and misleading business practices, including misrepresentation of the vehicle price and loan terms, failure to disclose required information, and unfair financing practices. 
A satisfactory resolution would include providing a complete copy of the contract and payment history, correcting the balance to reflect the amount already paid, and adjusting or eliminating the remaining balance to a fair and reasonable amount based on the vehicles actual value.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
BMO bank bought Bank of the West whom the loan was with originally. Since BMO started servicing the loan I have had an issue every month trying to pay my bill. From them pulling money on the wrong date to not at all to multiole times to locking me out of my account. I can not deal with 1-4 days of trying to call them, talking to no fewer than 5 people, taking no less than 3 hours of my time every month just to try to give them money. I have tried all of their solutions and they all end the same.

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: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to formally report what I believe to be unfair, deceptive, and potentially unlawful practices by Affirm regarding my account XXXX  Despite repeated attempts to resolve this matter directly, Affirm has failed to correct the issue or provide a satisfactory explanation. Their conduct demonstrates a clear disregard for consumer protection obligations and has caused me unnecessary financial harm, stress, and wasted time. 
Specifically, inaccurate billing, unauthorized charges, failure to honor written agreements, improper credit reporting, refusal to correct errors, etc.. These actions appear to violate the Consumer Financial Protection Act and may also implicate other applicable federal and state consumer protection laws. 
What is most troubling is that Affirm has been fully aware of this issue since XX/XX/year> and has either ignored my communications or provided misleading, contradictory, or boilerplate responses. This pattern suggests systemic compliance failures rather than an isolated error. 
I am requesting that the CFPB : Require Affirm to immediately correct this issue ; Ensure that any inaccurate information is fully reversed or removed ; Confirm that no negative credit reporting or additional fees result from their misconduct ; and Investigate whether Affirm is engaging in similar practices with other consumers. 
I expect a written response addressing this complaint in full, not a generic or dismissive reply. If this matter is not resolved promptly and completely, I am prepared to pursue additional remedies available to me under the law. 
Thank you for your attention to this matter. I trust the CFPB will take this complaint seriously and hold Affirm accountable. 
Sincerely, XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX

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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
Dear collection agent, but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Therefore my request is twofold-validation of debt and HIPAA authorization .

Please provide breakdown of tees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent.

I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LendingPoint Holdings LLC
State: AZ

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to formally report what I believe to be unfair, deceptive, and potentially unlawful practices by Lending point LLC regarding my account XXXX Despite repeated attempts to resolve this matter directly, Lending Point LLC has failed to correct the issue or provide a satisfactory explanation. Their conduct demonstrates a clear disregard for consumer protection obligations and has caused me unnecessary financial harm, stress, and wasted time.

Specifically, inaccurate billing, unauthorized charges, failure to honor written agreements, improper credit reporting, refusal to correct errors, etc.. These actions appear to violate the Consumer Financial Protection Act and may also implicate other applicable federal and state consumer protection laws. 
What is most troubling is that Lending Point LLC has been fully aware of this issue since XX/XX/year> and has either ignored my communications or provided misleading, contradictory, or boilerplate responses. This pattern suggests systemic compliance failures rather than an isolated error. 
I am requesting that the CFPB : Require Lending Point LLC to immediately correct this issue ; Ensure that any inaccurate information is fully reversed or removed ; Confirm that no negative credit reporting or additional fees result from their misconduct ; and Investigate whether Lending Point LLC is engaging in similar practices with other consumers.

I expect a written response addressing this complaint in full, not a generic or dismissive reply. If this matter is not resolved promptly and completely, I am prepared to pursue additional remedies available to me under the law. 
Thank you for your attention to this matter. I trust the CFPB will take this complaint seriously and hold Lending Point LLC accountable. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
NOTE : This is a NEW complaint regarding XXXX XXXX XXXX  damages incurred starting XX/XX/XXXX, which were not present in my original XX/XX/XXXX filing. I was forced to refinance and have now lost the VA interest rate benefit permanently due to the lender 's negligence. 

The XXXX XXXX Damages : Since my previous complaint was closed, Newrez 's refusal to honor their written approval of my assumption forced me to refinance the home entirely to resolve the ownership title. As a result, I lost my 3.2 % interest rate. 

My new mortgage payments began on XX/XX/XXXX. My monthly payment increased from {$1400.00} ( on the original 3 % loan ) to {$1700.00} ( on the new loan ). This is a direct monthly loss of {$350.00}. 

To date, I have already paid approximately {$1400.00} in excess interest since XX/XX/XXXX. Over the 30-year life of the loan, this difference will amount to {$120000.00} in excess interest payments caused directly by Newrez 's error. 

Additionally, I incurred {$1200.00} in wasted legal fees for documents Newrez specifically requested and approved, but then rejected. This includes a {$1200.00} flat fee for the Buyout Agreement and Deed, plus {$19.00} in additional filing costs. 

The History of the Negligence : In XX/XX/XXXX, I contacted Newrez to initiate a buyout assumption to remove a co-borrower. On XX/XX/XXXX, XXXX Assumptions Department reviewed my specific " Buyout Agreement '' ( between non-relatives ) and stated in writing : " Yes, that will work. '' Based on that written approval, I hired an attorney and paid {$1200.00} to draft and file the required documents. Months later, Newrez retracted their approval, claiming for the first time that non-relatives were ineligible ; a fact they should have disclosed in XXXX before I spent money.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IN

Complaint narrative:
XX/XX/XXXXXXXX  At XXXX XXXX  Chime transferred {$860.00} from my XXXX XXXX account, which I had frozen for safety, into my checking account. 
One minute later at XXXX XXXX  an unknown XXXX XXXX customer iniated a withdrawal of {$860.00}. 
I am the only one who can request an account to account transfer, which I did not request. 
I expected my money to be secure since I froze all cards in my Chime account, yet I still have my money siphoned out to nearly XXXX. 
XX/XX/XXXXXXXX   At XXXX, XXXX, and XXXX three withdrawals were initiated from an unknown XXXX XXXX customer, totaling {$650.00} from my Chime checking account without my authorization. 
I have disputed this fraudulent action over four times, being denied a refund or credit each time. I even filed a police report expressing my concerns. 
XX/XX/XXXXXXXX  From between XXXXXXXX  and XXXX, Chime allowed XXXX transactions totaling {$560.00} to be dispersed, without my authorization, to an unknown person. I have disputed these disbursements a number of times. But Chime repeatedly is denying me. Ther is a police report on this fraudulent activity as well. 
Chime claims to investigate the activity and always rules against me getting made whole. 
The XXXX theft Chime started the dispute process and ruled against me in about 24 hours, barely enough time to read my complaint and police report. 
This is a XXXX  for me, a XXXX XXXX XXXX retired person on a limited fixed income of Social security. 
Pleas let other consumers know what I am going through.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: OH

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX conduct while attempting to collect an alleged rental debt. 
I was contacted by a representative on XX/XX/year> at XXXX XXXX XXXX concerning an alleged balance of approximately {$6000.00} related to an early lease termination. During the phone call, the representative was aggressive, dismissive, and unprofessional. 
Specifically, the representative stated that I signed a contract, thats it, told me I needed to be an adult, and stated that it was unprofessional not to pay because they claimed to know that I have income. The representative referenced my XXXX XXXX  and implied that because I am XXXX  and employed, I am required to pay the debt. This language was intimidating and inappropriate. 
The representative also stated that because I have income, the balance needs to be paid, implying consequences beyond what is legally permitted. At no point was I provided validation of the debt, and when I attempted to ask questions, the representative spoke over me and ultimately hung up the call. 
The alleged balance appears to consist primarily of early termination fees and promotion payback charges, which I dispute. I have not received proper written validation or an itemized accounting of the charges. 
I believe XXXX XXXX XXXX violated the Fair Debt Collection Practices Act by : Using harassing, abusive, and demeaning language Attempting to shame and intimidate me into payment Improperly referencing my profession and income as leverage Implying consequences that require a court judgment Refusing to provide validation and terminating the call abruptly I am requesting that this matter be investigated and that XXXX XXXX XXXX be required to cease improper collection practices and provide proper written validation of the alleged debt. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation