vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX, someone broke into my car and robbed my purse with my ATM card, my credit cards, and my driver license while I was at the local XXXX. By the time I got out of the XXXX and called Citibank to cancel my ATM card and filed a police report, the robbers had already gone to an ATM in a XXXX branch and withdrew XXXXXXXX XXXX twice back to back from my Citi checking account, for a total of XXXXXXXX XXXX with fees. The police got a subpoena and got video footage from the XXXX ATM where one could see the XXXX male robbers withdrawing my money. Even after giving Citibank the police report and the police officer number to confirm that the two men were not me or associated with me in any way, Citibank refused to reimburse me the XXXX XXXXXXXX back, alleging that in this particular case, my money was not FDIC insured since Citibank was not responsible for the robbers having been able to withdraw the money. Citibank told me again and again after I opened two disputes that there was nothing they could do to give me my money back. Since then, I live in fear that if I have another problem with Citibank, they won't honor their advertised statement saying that funds at Citibank are FDIC insured.

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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems is reporting a telecommunications collection account on my credit reports, but they have not provided any documentation to prove the debt is mine. I disputed the account with XXXX, XXXX, and XXXX. All three bureaus marked the account as verified, yet Jefferson Capital did not supply any contract, billing statements, itemized accounting, or proof of ownership to support the verification. I also requested validation directly from Jefferson CapitaXXXX, but they did not provide any documentation. They continue to report the account without showing evidence that the debt is accurate, legally owed, or belongs to me. The balance, dates, and reporting history contain inconsistencies that Jefferson Capital has not explained or corrected. Because Jefferson Capital has not validated the debt, has not provided documentation to support their reporting, and continues to furnish information that may be inaccurate or incomplete, I am disputing the account as a debt that is not mine. I am requesting that Jefferson Capital : 1. Provide full validation of the debt, including proof of ownership and an itemized accounting. 2. Provide copies of all documents used to verify the account with the credit bureaus. 3. Correct or delete the account if they can not provide proper documentation. Their actions appear to violate the FCRA and FDCPA because they are reporting and verifying a debt without proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: MD

Complaint narrative:
On XXXX XXXX I rented a car from XXXX rental Car in XXXX, MD in XXXX XXXX. I used my XXXX XXXX XXXX Credit Card. I allowed a XXXX deposit to be applied to my XXXX. This was a XXXX claim. So originally the insurance company XXXX XXXX XXXX XXXX was paying ). The XXXX informed me that she wasn't apart of XXXX system so she would not be able to send XXXX a direct payment. The XXXX informed me that she need the account information to send payment. I gave her ( XXXX ) the insurance XXXX my account and routing information. The money was deposited into my account on XXXX XXXX at about XXXX. By XXXX pm on the same day about XXXX disappeared from my account. I called Chime and put in a dispute in. After being asked a group of questions. XXXX being does anyone has my account information? And I responded YES. And informed the representative from Chimes about XXXX the insurance XXXX asking g me for my banking information. I was issued a new XXXX XXXX XXXX. A few days later. I received a message saying my dispute was denied because it was XXXX who received the XXXX. Chime would not tell me anything about the money. I was told they can't. And I can't file a dispute on this transaction because it was a transfer. And I didn't authorize or did I do this myself. I informed The lady XXXX that the insurance company was sending payment. Also I have a bill for a different amount that I was told by the associate who rented me the vehicle and works at the location in XXXX. Also. I don't understand how it could be done after Chimes issued a different card on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: NC

Complaint narrative:
My XXXX Credit report shows two accounts in collections from Plaza Services LLC. The original creditor is listed as XXXX XXXX. I have never done business with XXXX XXXX XXXX in my life and have never been contacted by anyone related to outstanding debt ( no mail, no email and no phone calls ). Because Plaza Services is listed on my credit report, I tried reaching out multiple times via phone ( left a voicemail ) and email. When calling any of the phone numbers listed for Plaza Services, they place you in a queue and when you are up it takes you straight to voicemail. I need to get this cleared up and removed from my credit report ASAP but can not get any response from Plaza Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I disputed {$2700.00} in unauthorized debit card and ATM transactions. One withdrawal occurred in XXXX, Texas while I was using my debit card in XXXX, Texas. I still had my physical card in my possession. Chase denied my fraud claim because a PIN was used, but this does not explain how the withdrawal occurred in another city while I had the card. I am requesting that Chase conduct a proper investigation and refund the unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I am submitting this complaint regarding JPMCB Card Services continued inaccurate credit reporting following a completed dispute. Account : JPMCB Card Services Account ending in : XXXX XXXX XXXX XXXX XXXXXXXX This account was charged off in XXXX. I do not dispute the occurrence of the charge-off. However, JPMCB is reporting the account as charged off every single month for multiple years following the charge-off date. I previously disputed this issue with XXXX. XXXX completed its reinvestigation on XX/XX/XXXXXXXX ( Confirmation # XXXX ). Although XXXX indicates that certain account fields were modified, JPMCB continues to report monthly charge-off status codes ( CO / L ) for postcharge-off periods. A charge-off is a one-time accounting action. Reporting repeated monthly charge-offs after the charge-off date falsely represents the account as newly derogatory each month, improperly refreshes the severity of the derogatory status, and materially impacts credit scoring and account aging. Despite being placed on notice through a formal dispute, JPMCB has continued this reporting practice. I am requesting that JPMCB : Cease reporting repeated monthly charge-off statuses after the charge-off date ( XX/XX/XXXXXXXX ) Correct postcharge-off months to report no data or a neutral status ( XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX ) Ensure the account ages correctly as a single historical charge-off I am attaching documentation from XXXX showing the reinvestigation results and the continued monthly charge-off reporting. This complaint concerns accuracy, not dissatisfaction with the debt. Thank you for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: CA

Complaint narrative:
Opened a chime checking account in XXXX 2025 to take advantage of the {$350.00} bonus for new customers. I had {$1000.00} paycheck deposited XXXX a month for XXXX months. Total {$6000.00} I contacted Chime in XX/XX/XXXX2026 to ask when I would receive the bonus. They stated I needed to activate a debit card that I had not received in the mail. Once I got a replacement card, I activated it. Called Chime again and they said they could not find that offer linked to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYSTEM 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 2026-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XXXX, I was facing hardships due to my health that caused a reduction in income due to XXXX and unexpected medical costs. XXXX XXXX reached out to me about my XXXXXXXX XXXX XXXX and told me they could put me on a hardship plan to prevent it from getting further deliquent. I agreed to the plan and told them I was expecting funds soon and would be able to pay off the card in full when they arrive. I started paying on the account on the terms of their hardship plan and then paid off the card in full in XX/XX/year>. When I pulled my credit report after paying the account off, I was shocked to find out that they had been reporting my account in a derogtary deliquent status with late payments even though I was on a hardship plan created by XXXX XXXX. They had never alerted me to the fact that they would be reporting the hardship plan as late payments and keep me account in a deliquent status, otherwise, I wouldn't have agreed to the hardship plan. To this date my account is still fully paid off and I have requested XXXX XXXX to remove the late payments from my credit report but they refuse to. I'm requesting the late payments be removed from my credit report across all bureaus due to the fact they didn't correctly inform me of the parameters of the hardship plan and how it would negatively impact me.

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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
MIDLAND CREDIT is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT 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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Validation of Debt Request - CREDIT COLL XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, to unauthorized transactions were withdrawn from my cash app account without my knowledge or consent. The charges were {$770.00} and {$58.00} to the merchant XXXX XXXX XXXX XXXX. I did not approve or authorize these payments and had no prior knowledge of them. My previously disputed these charges through cash app, but the dispute was denied without providing any evidence that I authorized the transactions. I am requesting that cash app reopens the investigation, escalate the case to the fraud investigation department, and reverse the authorized charges totaling {$830.00}. I am also requesting full documentation showing how cash app determined that these transactions were authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FinCo Services Inc DBA Current
State: IL

Complaint narrative:
My phone id and that stuff was stolen frm meh and current where I had a lil bit of my money on it keep meh loged in and more but XXXX when they took my phone the was able to easily open the app and go around using my money to fund they needs so now they dont wan na give meh my money back or nun

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX is trying to collect debt that is {$730.00} now. This is for a previous location that I rented. However, I paid the lease every month and also had my deposit kept, even after numerous maintenance complaints and damaged personal property due to the maintenance needs in the apartment. I went through XXXX different landlords in my XXXX year living there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
Validation of Debt Request - AMSHER COLLECTION SERV/CHARTER COMMUNICATIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: NC

Complaint narrative:
I requested service from an independent company. The fee for this service was {$200.00}. I requested this service on XX/XX/year> and paid on the same date. It is a requirement for payment to be made upfront. I reached out to the merchant once services werent done. merchant blocked me and denied my request for a refund. In response on XX/XX/year> I disputed with my bank for a refund in which they said I had to give the merchant a chance to refund which they denied. Cash APP refuses to give me a refund because I authorized the transaction. again this is a service that requires upfront payment. The total payment was {$200.00}. I am requesting that my bank issues the refund and pursues the {$200.00} from the person who is also a member of the bank and not leave me hanging.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX, my Cash App account was accessed without my authorization and several transactions were made that I did not approve. During this time, {$150.00} was sent from my account to another user with the payment note thanks. A {$100.00} Cash App XXXX XXXX was also taken out on my account without my permission and the funds were sent out. In addition, unauthorized activity involving XXXX occurred, creating an XXXX balance of approximately {$150.00}. There were also attempts to add {$100.00} and {$49.00} from my linked bank account, but those attempts were declined due to insufficient funds. At the time these transactions occurred, I was physically at school in Texas and not using my phone due to a strict school no-phone policy. I did not authorize any of these transactions and I do not know the person who received the funds. I reported the unauthorized activity to Cash App and filed a dispute. However, the dispute was closed without resolving the issue. Cash App stated that details were sent to my email explaining the decision, but my email inbox was full at the time and I did not receive or have the opportunity to review that message. As a result, my account now shows balances for Cash App XXXX and XXXX that I did not authorize and can not afford to pay. I requested that Cash App reopen the investigation and review the fraudulent activity, but the issue has not yet been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Validation of Debt Request - JEFFERSON CAPITAL SYST - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/year> I work up I paid the WiFi prepaid WiFi service it was XXXX $ I then I got a phone call that my cousin was going in XXXX at hospital I was in hospital for 8 hours I put my phone on silent when I got home I notice my phone was missing I called my phone could not find it I called my account and there was XXXX $ missing someone use XXXXs and use my money I reach out to my XXXX and my bank they deny my dispute I appeal my dispute they deny it again saying what information do I have I explain to them I lost my phone

Company response to consumer: Closed with explanation