vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
I am disputing the accuracy and validity of a rental debt being reported on my credit file. My lease expiration date was XX/XX/year>, and I vacated the property on XX/XX/year>, only XXXX days before the lease term ended. Despite this, the account includes substantial additional charges, including lease termination fees, no notice given fees, and cleaning/damage charges that I believe are excessive and unsupported. The total reported balance exceeds {$3600.00}, even though the monthly rent amount was approximately {$1300.00}. I requested validation and supporting documentation for these charges, including itemized accounting, repair invoices, photographs, and lease provisions authorizing the fees. Adequate documentation has not been provided. I also identified inaccuracies in the reporting information associated with my name, which raises concerns regarding the reliability and accuracy of the account. I am requesting a full investigation into the validity of the reported balance and supporting documentation for all charges being claimed. If the debt can not be properly verified, I request correction or removal of the inaccurate reporting.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: SUN WEST MORTGAGE COMPANY, INC.
State: CO

Complaint narrative:
I am a right of way consultant working with the XXXX XXXX XXXX XXXX, Colorado on the B XXXX XXXX Improvement Project. In connection with the Project, the City is purchasing a piece of fee simple right of way and an easement that is encumbered by a mortgage that is currently held by Sun West Mortgage Company. The City requires all fee simple acquisition be acquired free and clear of any liens. The property owners granted authorization for our firm to work with Sun West Mortgage Company. On XXXX XXXXXXXX XXXX, I submitted a partial release and request for easement package to Sun West Mortgage. On XX/XX/year> Sun West Mortgage confirmed they received my request and supporting documents. Since this date, they have stated the documents are under review. I have sent numerous follows ups and spoken to many representatives with no updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am filing a formal complaint against Fifth Third Bank for violating the Real Estate Settlement Procedures Act ( RESPA ), specifically Regulation X ( 12 CFR 1024.34 ), regarding the timely return of escrow funds and excess payoff overages. I recently sold the property referenced above. The closing took place on XX/XX/year>. The title company wired the full mortgage payoff amount, which successfully cleared and was posted to my account by Fifth Third Bank on XX/XX/year>. Under RESPA guidelines, a mortgage servicer is legally required to return any remaining escrow balance to the borrower within 20 business days of the loan being paid in full. It has now been over 25 business days since the payoff cleared, and I have not received my escrow refund. Furthermore, the payoff quote provided to the title company included buffer days for per diem interest. Because the wire cleared on XX/XX/year>, Fifth Third Bank has collected excess interest for the days following the clearing date. These overpaid funds have also not been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IN

Complaint narrative:
I got a text message from what appeared to be XXXX XXXX XXXX XXXX on XX/XX/XXXX. I had a package on the way and figured thats what the message was about. I opened the message and it said there was an error with the shipping address for the package I had on order. Which happens often with where I live so I didnt think anything of it and clicked on the link. It opened up to what looked like a XXXX shortcut. It was set up to look like you were changing or editing your shipping address, but at the end it said I owed {$1.00} and some change. This amount was a fee for changing my address while the package was already being shipped. So I went to pay the amount it said to pay thinking it was XXXX. When I put my card information in, I immediately got charged {$200.00} exactly from a company called XXXX XXXX XXXX. I tried to dispute the charges with my card company, Chime Financial Inc. They just closed the dispute today, XX/XX/XXXX. They stated, Based on our review, we didnt find an error, so no credit will be issued to your account. Your claim is now closed. No further action is needed on your part. I believe I have been mistreated by my card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OR

Complaint narrative:
On XX/XX/XXXX, I lost access to my Chime account. My phone was stolen and the associated email address ( XXXX ) was deleted, preventing me from receiving standard two-factor authentication codes. I have contacted Chime support multiple times and spoken with at least four agents. I have attempted to verify my identity using my new, valid government-issued ID and a selfie. Chime 's agents confirmed that their automated system recognizes and accepts the visual ID and selfie, but automatically rejects the verification at the final stage because the barcode numbers on my replacement ID do not match the old, lost ID they have on file. Chime is trapping me in an impossible loop : their agents are demanding I provide a paid secondary form of identification, but Chime is currently holding all of my money ( approximately {$400.00} in savings ). Because they have frozen my funds, I do not have the financial means to purchase the secondary ID they are demanding. Furthermore, because my original email was deleted and I have moved, Chime must manually update my account correspondence email to XXXX and my mailing address to [ INSERT YOUR CURRENT GRANTS XXXX XXXX ADDRESS, CITY, STATE, ZIP ]. I no longer have access to the old address on file, and sending a check there would result in a total loss of my funds. Chime 's customer service inbox ( XXXX ) is completely unmonitored and bounces back automated messages, leaving me with XXXX way to reach a compliance team internally. I am a caregiver working night shifts, and Chime is severely impacting my livelihood by holding my money XXXX over a system glitch regarding a replacement ID barcode. I am aware of the CFPB 's XXXX consent order against Chime for similar practices of delaying consumer funds. Chime is refusing to perform a manual override of their flawed automated verification system, effectively seizing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: FL

Complaint narrative:
My rights are being violated. 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX days of initial contact. The accounts Ive referenced are not XXXX XXXX accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
In XXXX days breach my information was hacked nd obtained nd the dark sold my information now i have these false claims nd charges nd debts i want this charges removed asap!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
I have never heard of this company. Have never signed up for anything with them so I am confused as to what this is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that TransUnion remove and block fraudulent information from my consumer credit report within XXXX business days of receiving this notice. The inaccurate and unauthorized information includes the following : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX These fraudulent account have resulted in negative impacts on my credit report. I do not recognize these accounts, nor did I initiate or authorize these transactions. As they are the direct result of identity theft, I demand their immediate removal. Enclosed is a copy of FTC Identity Theft Criminal Complaint # XXXX as further evidence that these fraudulent items must be deleted from my credit file in accordance with my rights under federal law.

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 2026-05-27 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: NY

Complaint narrative:
The continued reporting of these inaccuracies is materially damaging my creditworthiness and has directly prevented me from qualifying for a mortgage. This constitutes harm caused by noncompliance with federal law. I demand that these accounts be fully investigated and, if not properly verified with a lawful permissible purpose, permanently deleted from my credit file.

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 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: ND

Complaint narrative:
sofi bank fails to notify on closing acct, then claims they sent ck of which they failed, then they send a 2nd refund check which now does not clear bank account. Sofi Bank does not have competent customer service. How difficult is to send a current refund check. I still do not have my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Duvera Billing Services, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding EasyPay Finance and a disputed automotive repair transaction involving Affordable Car Care. I financed vehicle repairs through EasyPay. After the repairs were supposedly completed, the same issues with my vehicle continued. I returned to the repair shop multiple times attempting to have the issue corrected. The repair shop later claimed on the invoice that I refused service, which is false. I have text messages and communication records showing that I remained in contact with the shop and was instructed to bring the vehicle back multiple times because the issue was never resolved. Despite providing information about the unresolved repairs and contradictory documentation, EasyPay closed the dispute and stated that the work was completed. The facts do not support that conclusion because : * I repeatedly returned to the shop, * the vehicle problems continued, * I paid for services that did not resolve the issue, * and I ultimately had to take the vehicle to another repair shop for additional repairs. I believe EasyPay relied on inaccurate or misleading merchant documentation and failed to properly investigate the dispute. I am requesting : * Reopening of the dispute, * Cancellation or adjustment of the remaining balance, * Refund/reimbursement consideration for payments already made, * and a full review of the merchants submitted documentation. And close the loan I can provide invoices, payment records, text messages, and repair documentation from another mechanic.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
I was a victim of fraud involving unauthorized money transfers through MoneyGram. I reported the fraudulent activity and explained that the transactions were not authorized by me. I requested assistance, investigation, and reimbursement for the fraudulent transfers. However, I was told that they could not help me and that it was not their responsibility to resolve the issue. I believe these were unauthorized transactions and I am requesting a full investigation, reversal of the fraudulent transfers, and reimbursement of the funds involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
b'On XXXX XXXX XXXX XXXX XXXX XXXX XXXX received notification from BECU by phone that her Debit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX services had been terminated.\nXXXX went to the BECU Office in XXXX to inquire about the termination of her Debit Card. She was informed that the termination of her Debit Card services was in fact true.\nXXXX returned to the XXXX BECU Office and ask to meet with a manager. XXXX XXXX, BECU Manager (XXXX XXXX XXXX met with XXXX XXXX asked for an explanation of the termination. XXXX stated that the termination was the result of XXXX having 3 fraudulent claims (one of which was reimbursed by the charging party, and two which were reimbursed by BECU). XXXX stated that the 3 fraudulent claims within a one year period was the criteria for the termination. \nXXXX dialed husband XXXX XXXX cell number to include him in the conversation. XXXX asked for the reason for the termination. XXXX said that we had been long term BECU customers and had not had previous fraud claims or financial issues. XXXX said that in XXXX case it appeared that BECU was punishing the victim of the fraud. XXXX said that the termination decision was made by the BECU Fraud Committee, it was a final decision, and that XXXX would be receiving a termination letter from the BECU Fraud Committee in the next few days. XXXX said this a flawed application of consumer protection law and said XXXX would seek a just remedy and reinstatement of her debit card through available channels.\nOn XXXX XXXX XXXX XXXX sent a certified, return receipt letter to BECU Fraud Operations Re: Formal Dispute of Unauthorized ChargesTermination of Debit Card Authorization\nOXXXX XXXX XXXX XXXX XXXX sent a second certified, return receipt letter to BECU Fraud Operations, Appeal of Termination of Debit Card AuthorizationXXXX XXXX XXXX XXXX XXXX XXXX XXXX received an unsigned BECU Fraud Operations letter, dated XXXX XXXX XXXX, and sent a certified, return receipt letter of response to BECU Fraud Operations.\nAs of XXXX XXXX XXXX BECU Fraud Operations has not contacted XXXX XXXX XXXX or responded to any of her letters.\nCopies of all correspondence is available upon request.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FinCo Services Inc DBA Current
State: MA

Complaint narrative:
On XX/XX/year>, I enrolled in Currents XXXX promotion using promo code XXXX. I have a screenshot showing my enrollment in the promotion. On XX/XX/year>, I received a {$200.00} direct deposit from my paycheck into my Current account. Based on the promotion terms, I believe this satisfied the requirement for the {$100.00} promotional bonus. As of XX/XX/year>, I still had not received the {$100.00} bonus. I contacted Current customer support to ask about the missing promotional bonus and provided documentation showing my direct deposit/paycheck. Customer support told me they would review the issue. After that review, instead of explaining why the bonus had not been paid or resolving the issue, Current abruptly closed my account. Current did not provide a clear explanation for the closure, did not pay the {$100.00} promotional bonus, and my account still had funds in it at the time of closure. I did not engage in any fraudulent activity or violate any account terms to my knowledge. I participated in the promotion in good faith, completed the direct deposit requirement, and contacted support only because the promised bonus had not been credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I am a XXXX victim of severe elder financial exploitation and identity theft. My granddaughter fraudulently used my Citibank credit card without my permission and without being an authorized user, racking up thousands of dollars in unauthorized charges. We have discovered this crime and have actively filed charges with law enforcement. The police report case number is Arkansas 66FCR-26-269. I have attempted to contact Citibank 's fraud department repeatedly by phone, but the automated system prevents me from reaching a human representative. Because a massive past-due balance is currently facing a deadline, I need Citibanks Executive Fraud Unit to freeze this fraudulent balance immediately, halt any negative credit reporting, and contact me or my advocate to resolve this. You can reach me by phone at XXXX. Thank you XXXX XXXX Account ending in 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 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
This is a complaint. I established autopay on this account on XX/XX/year>. The autopay was clearly shown as scheduled to process for the statement balance amount on the payment due date of XX/XX/year> under " Scheduled Payments ''. As a matter of fact, the autopay is still showing as a scheduled payment for XX/XX/year> as of this moment, and I have a screenshot of this as proof. Once I set up the autopay, I simultaneously cancelled my previously scheduled one-time payment for the same amount to avoid a duplicate payment, as both the autopay and the one-time payment were showing as scheduled payments for the same date. The autopay did not process as shown under scheduled payments and my account incurred a late fee. On XX/XX/year> when I realized that no payment processed on XX/XX/year>, I re-scheduled the one-time payment to pay the original statement balance. This account should never have incurred a late fee. It is very misleading to show an autopay as scheduled for the current month with a specific payment date ( XX/XX/year> ) and then have it NOT process. I never would have cancelled my one-time payment in the first place had I known the autopay would not be in effect until XXXX. If at least 10 business days are needed from autopay establishment and payment due date for an autopay to process for the current month, then the autopay should NOT be shown as a scheduled payment until the following month. Because the autopay was shown as scheduled for XX/XX/year>, this directly caused me to take the action of cancelling the one-time payment. To any rational person, this is very misleading, and in my opinion, an obvious attempt on the part of TD Bank to generate additional credit card late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I contacted national credit adjusters to dispute a collection that I was unaware of on my credit report. I requested debt validation, I stated if I dont receive debt validation in 30 days they must remove the collection from my credit report. I sent them a follow up email stating its past 30 days and I expect for them to remove the collection from all bureaus and to send me deletion request confirmation within 2 weeks of me sending the letter. I sent that email XX/XX/year> and they still have not responded to me.

Company response to consumer: Closed with explanation