vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
Stolen Identity. Someone open a checking and savings account under my name at Truist Bank. I submitted a fraud report within 2 or 3 hours after receiving and the time it was sent on XX/XX/XXXX at XXXX. The email stated that my online banking was active. I was given a case ID XXXX. Account remain open under my name. I'm still receiving emails to make a deposit. Also there was a lian application of an unknown amount. I have spent over 7.5 hours on hold during the last week waiting XXXX talk to someone in the fraud department trying to see why the accounts remain open. No one is answering the phone. Each time I call its over an hour hold time. Im currently on the phone waiting for them to pick up. The time on hold is 2 hours and 28 minutes. I can not reach the fraud department to get this taken care of. I received an alert from XXXX stating 'contact info ' is XXXX. Im not sure if XXXX XXXX opened my account but he works for Truist and that's a cell phone number. But I'm not calling it.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Took out an auto loan through PNC bank in XXXX of XXXX. Today is the last day of XXXX and I have not received any paperwork in the mail from them, any emails, or access to online banking to make a payment. I have called now 16 times to get the issue resolved with PNC and they have not fixed the issue. They said they have a ticket open to get the issue resolved and that they would call within 5-7 days from opening of ticket and still have not gotten a call. First ticket was open in XXXX. They cant even verify me in the system when I call so I always have to get transferred over to XXXX XXXX. Worst customer service and worst bank I have ever banked with. The way Im treated on the phone and the lack of assistance is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX XXXX XXXX calling from ( XXXX ) XXXX is attempting to collect debt on a Barclays Credit Card that was charged off in 2016. I have informed this company by phone to stop calling me. They refuse to send documentation making it impossible to send them a Cease and Desist. On one phone call they threated to sue me, on another they told me they have an affidavit of judgment ( no such document ) and will immediately garnish wages ( that was funny actually ), on yet another instance they tried to contact my deceased ex-wife family stating that they have an arrest warrant for me and asking if they knew my location.

Upon challenging them over the phone that the alleged debt they are trying to collect is well outside of Statute of Limitations ( more than 5 years ), there is no pending case filed in Palm Beach County, No judgment entered and when I explained that I have 16 years legal experience defending credit claims they hang up the phone. They refuse to mail documentation as they know they can not legally collect this debt but trying to scare me into paying. It is amusing that they try, but it is getting annoying and they should be investigated for their tactics.

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: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Mercury Financial Intermediate LLC
State: CA

Complaint narrative:
I opened a fraud dispute regarding unauthorized credit card charges with Mercury on XX/XX/XXXX. Since opening the dispute, I have been in regular communication with Mercury, calling at least once XXXX week to ensure compliance with documentation requests. 

XXXX requested supporting documentation. I submitted the requested materials via fax on XX/XX/XXXX, and again on XX/XX/XXXX, using a legitimate online fax service. On both occasions, I received confirmation that the fax transmissions were successful. Despite this, Mercury later stated that no faxed documents were received and did not notify me of any issue at the time. 

To ensure timely compliance before the stated deadline, I sent the documentation a third time via XXXX XXXX Mail XXXX with tracking and signature required on XX/XX/XXXX, with guaranteed overnight delivery for XX/XX/XXXX. XXXX accepted the package and issued a tracking number. Mercury has been provided with this tracking number and is aware the package is in transit, though delayed by the carrier. 

On XX/XX/XXXX, I was informed that my dispute was being closed or marked for closure due to lack of documents, despite my multiple documented submission attempts and the pending overnight delivery. A Mercury supervisor confirmed the case was not yet finalized, acknowledged the intake issues, and escalated the matter to leadership.

I made repeated good-faith efforts to submit all requested documentation. Mercury did not provide a reliable alternative submission method after repeated fax failures and proceeded toward closure despite ongoing escalation and documented delivery attempts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Skrill USA, Inc.
State: CA

Complaint narrative:
On XX/XX/year> an account I had recently opened with Skrill USA Inc authorized the virtual card addition and attachment to my skrill account and subsequent deposit of {$370.00} into the account. Immediately after allowing this addition and deposit they suddenly locked me out of my account and closed my account with no explanation, they simply sent me an email saying we're sorry we have permanently closed your account, we may or may not return your funds.

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: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
BALANCE TRANSFER TO CHASE FROM XXXX  XXXX XXXX I over paid a balance transfer on XX/XX/XXXX by accident and I called the next day realizing what had happened wanting to cancel it, they said they couldn't but would send a check and it would take 7 to 10 days. I called today XX/XX/XXXX asking about my refund which shows on the Chase account as refunded XX/XX/XXXX. I told them I hadn't received my check. They then told me I cancelled it on XX/XX/XXXX, when I said I didn't, they said " Oh it was cancelled because there was a problem and they needed to hold it longer. When I asked for an electronic transfer they proceeded to tell me they did not have the means to electronically transfer the money. Then told me they sent a check out on XX/XX/XXXX. This company has had my money since XX/XX/XXXX and say it will take another 7-10 days in the mail. This is corruption, lies and I don't appreciate it. I'm the one paying for the money being out of my account at XXXX  XXXX XXXX. Is there justice anywhere? I'm a woman of XXXX and XXXX  to the max. I hate liars! I will ABSOLUTELY CANCEL MY ACCOUNT WITH CHASE AS SOON AS I GET MY MONEY BACK! THIVES & LIARS IN THIS COUNTRY. IT'S SHAMEFUL ANYMORE!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
I am submitting this complaint to formally dispute an alleged debt connected to XXXXXXXX XXXX XXXX XXXX XXXX  that has been placed with a third-party collection agency without proper notice or validation. 

At the time I vacated the property, my account balance was paid in full. I was never provided with any invoice, billing statement, or written notice indicating that an additional balance was owed. 

I later confirmed with the XXXX XXXX XXXX XXXX  that XXXXXXXX XXXX XXXX XXXX attempted to send one certified letter ; however, it was returned to the sender because no one was available to sign at the time of delivery. No additional delivery attempts were made. No email notifications, phone calls, or alternative communications were sent to any of the email addresses or contact information they had on file. 

Because this letter was returned to the sender, I never received any notice of : an unpaid balance, or the account being transferred or sold to collections. 

The first communication I ever received regarding this alleged debt was from a third-party debt collection agency. 

I have formally disputed the debt and requested validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ). I also have documentation supporting my position, including email records during my residency and confirmation from the post office that the certified letter was returned to the sender. 

I believe this debt was improperly placed in collections without proper notice or verification and may constitute unfair or deceptive collection practices

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: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I received funds via XXXX XXXX that were intended to deposit to my debit account. Without my authorization or clear disclosure, my bank redirected the funds to a credit builder account with a negative balance. 
I disputed the transfer by phone and escalated to multiple supervisors, all of whom stated they could not reverse it. This caused immediate financial hardship, as the funds were for essential living expenses. 
I am requesting a review of this unauthorized internal transfer, confirmation of where consent was obtained, and a reversal or credit to my debit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My federal student loan servicer was changed from Nelnet to XXXX XXXX XXXX XXXX ( XXXX ) without any notice to me. I did not receive a goodbye letter from Nelnet or a hello/transfer notice from XXXX. My mailing address and email address have always been kept current. I have checked my spam and junk folders and have only ever used one primary email address ( in addition to my student email ). When I logged into FAFSA/StudentAid.gov, my loan balance displayed as {$0.00}. I also contacted FAFSA directly and was told my balance was {$0.00} on XXXX XXXX which led me to believe my loans had been resolved. I did not discover that my loans had been transferred until XX/XX/year> when XXXX appeared as the servicer on FAFSA. I then contacted XXXX on my own. After speaking with a representative about this issue, I received my first correspondence from XXXX on XX/XX/year> the same day I initiated contact.

I am concerned that the failure to notify borrowers of servicer transfers can cause serious financial harm, particularly to those who are actively making payments and rely on
FAFSA/StudentAid.gov for accurate loan information. Many borrowers may mistakenly believe their loans have been cleared when their balance temporarily shows as {$0.00}. My close friend has been under this same impression that hers have been cleared out for 3 years now... I am requesting documentation showing when and how I was notified of this servicer transfer and confirmation that my account status has not been negatively affected due to the lack of notice.

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: TX

Complaint narrative:
Subject : Complaint Regarding Inaccurate Apartment Debt on Credit Report Company Being Complained About : COLUMBIA DEBT RECOVERY I am submitting this complaint regarding an apartment-related account that is currently being reported on my credit report with false charges and an incorrect balance. 

This account is inaccurate and disputed. The amount being reported does not reflect what I legitimately owe, and includes charges that were never properly billed, explained, or agreed to. I have not been provided with valid documentation showing how this balance was calculated or that the charges are legitimate. 

Despite disputing this account, it continues to be reported on my credit report, which is causing financial harm, including damage to my credit score and denial of credit opportunities. 

XXXX XXXX XXXX Issues with This Account Include : Incorrect and inflated balance Charges that are not supported by a signed lease or move-out statement Failure to provide itemized documentation Reporting unverifiable information to credit bureaus Under the Fair Credit Reporting Act ( FCRA ), creditors and furnishers are required to report accurate and verifiable information. Under the Fair Debt Collection Practices Act ( FDCPA ), collection activity must stop until proper validation is provided when a debt is disputed. 

XXXX XXXX XXXX Resolution Requested I am requesting that the company : Provide full validation of the alleged debt, including a signed lease and itemized charges Correct the inaccurate balance immediately Remove this account from all credit bureaus if it can not be properly validated If the company is unable to substantiate this debt with proper documentation, continued reporting of this account should be considered a violation of federal consumer protection laws. 

I respectfully request the CFPBs assistance in ensuring this matter is resolved fairly and in accordance with the law. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

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: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase flex freedom card advertised quarterly 5 % category reward for XXXX XXXX. 
Transaction was made through XXXX on XX/XX/XXXX for {$390.00} however 5 % reward was not given. 
Called Chase on XXXX to notify them was told that it would correct automatically. Called back on XX/XX/XXXX and representative submitted a ticket to the escalations team. Called back XX/XX/XXXX to report that this issue still has not been resolved. 
Submitting complaint due to false marketing that was not resolved in good faith.

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: FL

Complaint narrative:
CFPB Debt Validation Complaint Against : LVNV Funding LLC Consumer Name : XXXX XXXX XXXX Consumer Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company : LVNV Funding LLC Account Number : XXXX Reported Balance : {$680.00} Credit Reporting Status : Collection / Seriously Past Due Date Reported : As of XX/XX/year> Complaint Summary I am submitting this complaint against LVNV Funding LLC, a debt buyer, for failure to properly validate an alleged debt, continued credit reporting without lawful verification, and potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ).

LVNV Funding is reporting an alleged collection account on my credit report showing a balance of {$680.00}, yet they have not provided proper debt validation proving that I owe this debt or that they have the legal right to collect it.

Basis of Complaint ( Violations ) Failure to Provide Debt Validation FDCPA 809 ( b ) ( 15 USC 1692g ) LVNV Funding has not provided : A copy of the original signed contract or agreement Proof of assignment or chain of title from the original creditor Itemized accounting of the alleged balance Evidence they are the lawful owner of the debt Improper Credit Reporting Without Verification FCRA 623 & 611 LVNV Funding continues to report this account to credit bureaus without verifying : Accuracy of the balance Ownership of the account Date of first delinquency Misleading and Incomplete Reporting FDCPA 807 Reporting a collection account without validation misrepresents the legal status of the debt and is misleading to consumers.

Unfair Collection Practices FDCPA 808 Attempting to collect or report a debt without proof of ownership or contractual obligation constitutes unfair practices.

Requested Resolution I respectfully request that the CFPB require LVNV Funding LLC to : Provide full and complete debt validation, including : Original creditor documentation Proof of legal assignment Itemized accounting Cease all collection activity and credit reporting until validation is provided Delete the account from all credit bureaus if validation can not be produced Additional Notes The account reflects {$0.00} minimum payment, indicating no enforceable payment obligation LVNV Funding is a debt buyer, not the original creditor No validation has been provided despite reporting to consumer credit bureaus

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: First Credit Services Inc.
State: IN

Complaint narrative:
: I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

Complaint narrative:
Dear CFPB, JEFFERSON CAPITAL SYSTEM Acct # XXXX {$110.00}? I am filing a complaint regarding a debt collection account that appears on my credit report without my knowledge or consent. I have no relationship with the company reporting this debt and was never notified or contracted with the original creditor. I dispute the validity of the alleged debt and formally request an investigation. Under my rights granted by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have demanded full validation of the debt, including : - [ x ] Original Credit Agreement proves the contract I signed - [ x ] Full Itemized Statement shows how the balance was calculated - [ x ] Forward Flow Agreement proves debt was legitimately transferred to collector - [ x ] Chain of Title / Assignment Documents shows proper legal transfer of debt ownership - [ x ] Payment History Records verifies payments made or missed - [ x ] Validation Notice per FDCPA 15 USC 1692g proof they sent me proper notice - [ x ] Notice of Default or Intent to Collect proof of communication as required by law - [ x ] Proof of Statute of Limitations confirms the debt is still legally collectible - [ x ] Credit Reporting Agreement agreement allowing them to report to bureaus - [ x ] Documentation of Dispute Investigations proof they investigated my previous dispute under FCRA 15 USC 1681i If these can not be provided, the debt is unverifiable and must be deleted. Continuing to report an unverified, disputed debt violates FCRA 1681e ( b ), 1681s-2 ( b ) and may result in liability under FCRA 1681n and FDCPA 1692k. Furthermore, I submitted a cease and desist notice under FDCPA 805 ( c ) / 15 U.S. Code 1692c ( c ). Any continued contact without proper validation is considered harassment and a violation of federal law.

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

Complaint narrative:
XX/XX/year> card was opened up {$840.00} is in collections I have no known knowledge of this account need it removed Im not working or able to cant come up with payment plan

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: FL

Complaint narrative:
In early XX/XX/year>, I contacted Citibank regarding my credit card account and the recently posted {$95.00} annual fee. 

A Citibank representative explicitly stated that if I closed the account, the annual fee would be refunded on a prorated basis. This representation directly influenced my decision to close the account, which I did shortly thereafter. 

After the account was closed, Citibank reversed this position and now claims that no refund is available because the account is closed, and that prorated refunds only apply in cases of downgrades. This limitation was never disclosed at the time the representation was made. 

The issue is not Citibanks internal policy, but the fact that I relied on Citibanks representation when making a financial decision. If a prorated refund was not available after account closure, Citibank should not have represented that it was. 

I am requesting a prorated refund of the {$95.00} annual fee and written confirmation addressing the discrepancy between Citibanks customer service representations and its actual policies.

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