vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I am submitting this complaint regarding Citibanks handling of a severe account takeover fraud, their failure to adequately protect my account despite clear warning signs, and their decision to initiate account closure while fraudulent activity is ongoingdespite my complete non-involvement in any fraudulent transactions.

Summary of the Issue My Citibank account was compromised following the theft of my cellphone, which contained access to my email and other authentication mechanisms. The individual ( s ) who stole my phone used my personal information to gain unauthorized access to my Citibank account and are actively using my banking credentials to facilitate fraud.

Despite notifying Citibank and disputing all unauthorized activity, Citibank has allowed the fraudulent activity to continue and has now initiated closure of my account rather than properly securing it, assisting with recovery, and protecting me as a victim of identity theft.

I did not authorize, initiate, participate in, or benefit from any of the fraudulent transactions associated with this account.

Key Facts and Timeline My cellphone was stolen, which compromised my email and authentication access.

Unauthorized parties used this access to take over my Citibank account.

Fraudulent transactions occurred without my knowledge or consent.

I notified Citibank of the fraud and made it clear I was a victim of identity theft.

Despite this, Citibank failed to fully secure the account or prevent continued misuse.

Citibank has now set my account up for closure while fraudulent activity is still occurring, placing liability risk and financial harm onto me rather than addressing the fraud properly.

Citibanks Failures Citibank failed in the following ways : 1. Failed to adequately detect and stop clear account takeover activity.

2. Allowed unauthorized access and transactions despite fraud indicators.

3. Failed to properly secure my account after I reported fraud.

4. Failed to prevent continued misuse of my banking information.

5. Initiated account closure instead of assisting a verified fraud victim.

6. Created financial and legal risk to me by mishandling an identity theft situation.

Harm and Risk Caused Citibanks actions have caused : Financial stress and uncertainty Risk of wrongful liability for fraudulent transactions Damage to my banking access and financial stability Emotional distress from ongoing unauthorized misuse of my identity

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 2026-01-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: WA

Complaint narrative:
Company spokesman was very aggressive on the phone- and refused to provide debt validation for the supposed debt. I had until XX/XX/year> to dispute debt after letter was sent. I disputed it directly with creditors on XX/XX/year> requesting validation and original creditor information along with documentation. They have refused to prove the validity of debt and placed it on my current report without responding to my dispute. 

I was provided until XX/XX/year> to respond and request verification. I timely disputed the debt within that period. To date, your company has failed and refused to provide any documentation from XXXX XXXX or any original creditor establishing that this debt is valid, owed by me, or legally enforceable. 
At this time, I am formally requesting original documentation proving the validity of this alleged debt, including but not limited to : Proof that I am legally responsible for the debt Documentation from XXXX XXXX establishing liability Any contracts, agreements, incident reports, or records relied upon to assert this claim Proof of your legal authority to collect on this alleged debt Until such documentation is provided, this debt remains disputed. Any attempt to proceed with collection or litigation without proper validation may constitute violations of applicable state and federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Dave Operating, LLC
State: VA

Complaint narrative:
I am working with XXXX XXXX XXXX, and make a monthly payments via ACH. This month, I needed to pay by debit card, and authorized them to run my virtual card through my Dave checking, the account I use to make the ACH payment each month. The payment got declined, so I called customer service to find out why. They told me to use my physical card and I tried. That transaction also declined. I chatted with a representative on the Dave app. They said the company was flagged as fraudulent. Dave said they could not approve the transaction, and no transaction would go through for XXXX XXXX XXXX, even though I have been making monthly payments to them through this account for almost one year. Due to this being a debt resolution law firm, it is causing me undue financial hardship and stress. The monthly payment is {$320.00}. This is the first time I have had an issue making this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Larry H. Miller Group of Companies
State: IL

Complaint narrative:
I am submitting this complaint regarding an auto loan assigned to Prestige Financial Services after purchase. I purchased a used vehicle in Indiana from XXXX XXXX XXXX XXXX in XXXX Indiana and later titled and registered the vehicle in Illinois. 
The loan carries an extremely high APR of 24.24 % and includes costly add-on products that were financed into the loan, including a {$2000.00} service contract and a {$790.00} GAP waiver. These add-ons significantly increased the amount financed and total cost of the loan. I do not believe these products were clearly explained as optional or that I was informed I could obtain GAP coverage elsewhere at a lower cost. 
As a result of these add-ons and interest, I am paying nearly double the value of the vehicle over the life of the loan. The total amount financed was {$18000.00}, while the total payments exceed {$34000.00}. 
I have recently experienced financial hardship and contacted the lender for assistance. Despite a previously good payment history, I have had difficulty obtaining reasonable hardship accommodations or clear information regarding cancellation and refund options for the add-on products. 
I am requesting that Prestige Financial Services review this loan for fairness, provide clear documentation regarding the add-on products, allow cancellation and any applicable prorated refunds, and work with me on a reasonable hardship solution. I am also concerned that the loan terms and add-on disclosures may have been unfair or misleading at the time of sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I mailed a written dispute by Certified Mail regarding a tradeline being furnished by Portfolio Recovery Associates, which is reported as a debt buyer account. The tradeline indicates it is not being reported by the original creditor. This distinction matters because a debt buyer is required to haveand be able to producecompetent evidence establishing ( 1 ) ownership or authority, ( 2 ) the accuracy of the balance, and ( 3 ) the accuracy of material reporting fields, including status and key dates. 

In my dispute letters, I requested documentary verification sufficient to substantiate the tradeline under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). I requested proof of : lawful authority to report and collect ( e.g., ownership/assignment documentation and chain of title ), records supporting the balance and the reporting status, and documentation supporting the accuracy of the information being furnished to consumer reporting agencies. 

I also disputed the tradeline because continued reporting by a debt buyer without producing verification raises serious concerns about whether the furnisher can meet the FCRAs accuracy and investigation requirements, including 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ) and 15 U.S.C. 1681i ( a ) ( reasonable reinvestigation ). If disputed information can not be verified, it must be deleted or corrected as required by 15 U.S.C. 1681i ( a ) ( 5 ).

Despite my certified disputes, Portfolio Recovery Associates did not provide the requested documentation and did not send a written response addressing the disputed inaccuracies. The tradeline has continued to be reported as a debt buyer account without proof being provided to substantiate ownership/authority or the accuracy of the reporting. 

While debt buying itself is lawful, the companys conduct here is the problem : a debt buyer can not lawfully continue furnishing negative credit information that it can not substantiate with competent records, especially after receiving certified disputes. A tradeline reported by a non-original creditor that remains unverified after dispute is materially harmful, and its continued reporting is inconsistent with the FCRAs requirements for accuracy and reasonable investigation. 

This has caused ongoing, real-world harm including housing screening denials and adverse credit decisions. I am filing this complaint because the companys failure to respond and continued reporting after certified disputes demonstrates that the tradeline is not being properly verified and should be removed immediately unless and until the company can produce the documentation required to substantiate the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am submitting this complaint regarding the conduct of a customer service representative who contacted me following a branch-initiated complaint. 

The issue is not disagreement over outcome, but the manner in which the interaction was handled. During the call, the representative repeatedly talked over me, did not allow questions to be completed, and relied on phrases such as as I already explained while simultaneously preventing me from hearing or responding to those explanations. 

This dominance-based communication style made it impossible to resolve a straightforward inquiry and reflects a failure of professional customer engagement. While I am personally able to adapt to this behavior, many customers are not particularly given the implicit power imbalance when a large financial institution communicates in this manner. 

I am a business customer and was seeking clarification, not confrontation. The interaction undermined confidence in Chases customer support processes and raises concern about how similar inquiries are handled more broadly.

I am requesting that Chase review this interaction internally and address the conduct and training issues it reflects. No remediation is requested beyond acknowledgment and corrective review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a victim of identity theft following a vehicle theft in which my wallet and personal identifying information were stolen. After this incident, unauthorized charges were made to my Chase business credit card ( s ) that I did not make or authorize. 

I am personally liable for these accounts. I did not approve, authorize, or benefit from the disputed transactions. I reported the fraud to Chase and disputed the charges as unauthorized. 

I have filed an official FTC Identity Theft Report ( Report # XXXX ). All disputed charges are connected to this same identity theft incident. Despite this, Chase has failed to fully resolve the fraud and continues to associate me with unauthorized charges, fees, and interest. 

I dispute all related charges in their entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I requested, via certified letter, that the credit reporting agencies and the furnishers/collection companies provide lawful verification and validation of the disputed accounts, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and, where applicable, the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ).

Specifically, for each disputed account, I requested the following information : A reasonable reinvestigation of each disputed tradeline under 15 U.S.C. 1681i ( a ), including a determination of whether the information being reported is accurate, complete, and verifiable.

Documentary verification sufficient to establish accuracy under 15 U.S.C. 1681e ( b ), not automated or conclusory confirmations. 

The complete double-entry accounting ledger for each account from origination to present, including but not limited to : Debit entries Credit entries Adjusting entries Reversals Contra-entries Impairment entries Charge-off entries Transfer entries Receipt entries Loss provisions The full chain of title and proof of ownership or authority, including : The original signed contract or agreement bearing my signature All assignments, transfers, or sales of the account Proof that the furnisher or collector has lawful authority to collect and/or report the account Verification of key reporting elements, including : The accurate balance The date of first delinquency The account status being reported The basis for any late payment, charge-off, collection, or deficiency balance Where accounts were reported as collections or involving legal/attorney status, I requested : Proof of actual attorney involvement, if claimed Compliance with misrepresentation prohibitions under 15 U.S.C. 1692e ( 3 ) For Texas-based collection activity, I requested : Proof of the required Texas surety bond under XXXX Finance Code 392.101 If verification could not be provided, I requested that the inaccurate or unverifiable information be deleted or properly corrected, as required under 15 U.S.C. 1681i ( a ) ( 5 ). 

All requests were made in writing, in good faith, with proof of identity provided, and were sent by certified mail. As of this filing, I have not received the required verification, validation, or reinvestigation results, and in some instances my mail was returned due to incorrect dispute addresses, requiring additional effort on my part to pursue compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
I received a call from a company called XXXX XXXX collections on behalf of a law firm called XXXX. They are claiming I owe Bank of America {$8600.00} from XXXX. I replied that this isnt accurate and they said they will pursue a EWO.

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 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt Collection you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Pursuant to this law, I respectfully request that you provide the following information : XXXX. The name and address of the original creditor. XXXX. A detailed statement of the alleged debt, including the amount and how it was calculated. XXXX. A copy of the original signed debt collection agreement or contract. XXXX. Proof that you are legally authorized to collect this debt. XXXX. A full accounting of payments, interest, fees, and charges applied to the alleged balance. XXXX. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Pursuant to my rights under the FDCPA, I request that you provide the following information : XXXX. The name and address of the original creditor XXXX. The amount of the alleged debt, including a breakdown of all fees and interest XXXX. A copy of the original agreement or contract bearing my signature look the same on my Id XXXX. Proof that you are authorized to collect this debt XXXX. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus. * Do not contact me at my place of employment. * Do not contact any third parties about this debt. If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. Please respond to this request in writing. I recommend all future communication be done via mail only. Sincerely, 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 non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I AM WRITING TO YOU TO GET SOME HELP BECAUSE THIS WAS DELETED FROM MY REPORT FROM XXXX  AND XXXX. LVNV FNDING IS A PAIN IN MY BUTT AND I AM NOT ABLE TO RESOLVE THIS WITH THE CREDIT BUREAUS. XXXX IS THE ONLY ONE REPORTING THIS AND I KNOW THIS IS NOT MINE PLEASE HELP ME HAVE THEM DELETE THIS

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: NY

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt Collection you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor. 2. A detailed statement of the alleged debt, including the amount and how it was calculated. 3. A copy of the original signed debt collection agreement or contract. 4. Proof that you are legally authorized to collect this debt. 5. A full accounting of payments, interest, fees, and charges applied to the alleged balance. 6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Pursuant to my rights under the FDCPA, I request that you provide the following information : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a breakdown of all fees and interest 3. A copy of the original agreement or contract bearing my signature look the same on my Id 4. Proof that you are authorized to collect this debt 5. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus. * Do not contact me at my place of employment. * Do not contact any third parties about this debt. If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. Please respond to this request in writing. I recommend all future communication be done via mail only. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
Car was repossessed while on deployment. Upon being sold the remaining amount stayed on the credit report. I filed a dispute and the account was removed from XXXX  and XXXX  but still shows on my XXXX  report which is hurting my security clearance. The company offered to settle for a lesser amount, but the car was wrongfully taken while deployed without a notified court order which is in violation of the SCRA. I am requesting that the account be removed from the report or legal action will be filed

Company response to consumer: Closed with explanation