vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: CA

Complaint narrative:
I dispute this alleged debt in its entirety. This letter is not an acknowledgment of any debt, liability, or obligation, and it is not a promise to pay. 

This is the first notice I have ever received regarding this alleged XXXX XXXX XXXX matter. I have never received a citation, notice of amount due, or any prior correspondence stating that I owed any money related to this case. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( including 15 U.S.C. 1692g ) and applicable California law, I request written validation and documentation sufficient to establish the existence of the debt, the amount, that I am the correct person, and that your firm has the legal right and authority to collect it. 

Please provide, in writing, all of the following supporting information and documents : The name and address of the current creditor, including confirmation that the creditor is XXXX XXXX XXXX, and the name of the specific court division or clerk office associated with the alleged balance A complete itemization of the amount claimed, showing the original base amount and each added component ( penalties, assessments, interest if any, and any collection fees ) and the dates each amount was assessed The basis for the alleged obligation, including the alleged charge or Vehicle Code section, the citation number, the alleged violation date, and the alleged violation location, and a copy of the original citation and/or the courts initial notice of amount due If the alleged balance arises from a judgment or court order, a copy of the judgment or court order, or a certified docket/abstract reflecting the case disposition and the financial obligation Proof that your firm is authorized to collect this specific debt for this specific case number, including documentation showing your authority from XXXX XXXX XXXX to XXXX XXXX this account and to demand the stated amount from me The identifying information used to associate this alleged debt with me, such as the drivers license number and/or license plate associated with the citation ( you XXXX redact all but the last XXXX digits ), and the name and date of birth on the court record The address ( es ) used for any prior notices and the dates those notices were sent, and the date the account was placed with your firm for collection Until you provide the requested validation and proof of authority, please cease collection efforts on this disputed account. Do not report or furnish information about this disputed account to any consumer reporting agency. If you have already furnished information, ensure it is marked as disputed.

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 2026-01-28 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: Credit Control, LLC
State: KS

Complaint narrative:
XXXX Debt in the amount of {$2100.00} This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am XXXX  out because this company is violating my rights Under 15 U.S.C. 1681s-2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of 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 2026-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I used PayPal XXXX  to purchase a dining table advertised as solid XXXX XXXX. After normal use, the tabletop delaminated and exposed a white fiber-based substrate, indicating veneered/engineered construction, not solid wood. The merchant offered a 25 % refund and marker to cover up the defect but refused clarification on the actual material used to construct the table as well as a full refund. PayPal denied my dispute solely due to a 30-day filing limit, despite this being a latent defect and material misrepresentation that was not discoverable at delivery. I am requesting review and correction of the financing charge for goods not as described.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NM

Complaint narrative:
Subject : Inaccurate and Unverifiable Collection Accounts Reporting on My Credit File Complaint : I am submitting this complaint regarding one or more collection accounts currently reporting on my credit report that I believe are inaccurate, unverifiable, or improperly reported.

After reviewing my credit reports, I noticed collection accounts that lack complete and accurate information, including but not limited to the original creditor details, accurate account dates, balance justification, and documentation proving legal ownership of the alleged debt.

I dispute the accuracy and completeness of these accounts and request that the collection agency provide full verification, including : Proof of ownership of the alleged debt Documentation showing the amount reported is accurate Evidence that the account is being reported in compliance with the Fair Credit Reporting Act ( FCRA ) Confirmation that all information furnished to the credit bureaus has been properly investigated and verified If the collection agency is unable to provide full and accurate verification, I request that the account ( s ) be deleted from my credit report.

I am requesting that the CFPB investigate this matter and ensure that all inaccurate or unverifiable information is corrected or removed in accordance with federal law.

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I am filing a formal complaint regarding inaccurate credit reporting by GM Financial. I previously disputed this account with XXXX XXXX, and/or XXXX, XXXX the account was marked as verified without any documentation or proof provided to substantiate the accuracy of the reported information. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 requires that credit information be reported fairly, accurately, and with proper verification. Additionally, 616617 hold both furnishers and credit bureaus liable for willful or negligent noncompliance with these requirements. Verifying disputed information without validation violates my rights under federal law. 

I am requesting a full reinvestigation, disclosure of the method of verification used, and correction or deletion of any inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: VA

Complaint narrative:
As of today, my company has not received the funds owed to us by XXXX. XXXX is fully aware that our account was deactivated, yet in its response to the CFPB, XXXX made statements implying that we could access the funds, which is misleading and deceptive. XXXX knew at the time of its response that we had no ability to access the account or withdraw funds. 
Despite this, XXXX has failed to contact our company to arrange a lawful transfer or disbursement of the withheld funds. Compounding the issue, XXXX issued a XXXX for funds that were never made available to us, creating potential tax liability for money we did not receive. 
Squares actions demonstrate a malicious and deceptive pattern, including withholding funds, misrepresenting account access, and failing to communicate in good faith. We are requesting that XXXX immediately contact our company to arrange the transfer of all funds owed and correct any inaccurate tax reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
CAINE amp WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE amp WEINER 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 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: SC

Complaint narrative:
I am filing this complaint against XXXX  for repeated violations of the Fair Credit Reporting Act ( FCRA ). I disputed a Discover Bank credit card account that is inaccurately and misleadingly reported as a charged-off account with high credit listed as the credit limit. XXXX claims the account was verified, yet has failed to conduct a reasonable investigation as required by FCRA 611 ( a ).

XXXX  did not disclose the method of verification, the documents reviewed, or the identity of the party who allegedly verified the information. Instead, XXXX  relied on generic automated responses from the furnisher, which does not meet the FCRAs reasonable investigation standard. 

Additionally, XXXX  continues to report the account while repeatedly marking it as consumer dispute reinvestigation in process across multiple months, demonstrating that no final lawful investigation was completed while negative information continued to damage my credit profile. 

Reporting high credit as the credit limit on a charged-off account is materially misleading, inflates utilization, and has been recognized as inaccurate by regulators and courts. XXXX  has been notified of these inaccuracies and continues reporting them. 

I am requesting CFPB intervention to require XXXX XXXX delete this account immediately and to ensure compliance with federal law. Continued reporting constitutes willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I moved out of the apartment in XX/XX/2020 after notifying the property management in writing via email. I was not offered rental assistance options nor informed of any pandemic-related support at the time. 
This reporting fails to consider my hardship during a federally declared emergency. I am requesting that this entry be removed or corrected under the Fair Credit Reporting Act, due to its incomplete and unfair context.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Account is paid and closed! Never late! Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
Lvnv has been calling and emailing me at least 2 or three times a week. I have asked them to stop and prove to me that they owe this debt. This debt was bought by this company and the amounts are to high. Also other companies have tried to get collect this from me at the same time. I just want them to stop trying to collect this. I feel like they are harassing me. The amount they are asking for ate wrong. This company is asking for three different companies. i would like them to stop. How can i stop them and get cleared from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: IL

Complaint narrative:
Ive been banking with chime for 3-4 years I woke up yesterday on XX/XX/XXXX I had a alert saying my chime account has been closed and all my XXXX  XXXX money was on there they saying they dont see it thats impossible and I dont even know the reason of them closing my account I just want my sons money back I cant feed them or pay my bills this month he had XXXX $ in the XXXX XXXX please please help me i dont wat else to do this bank never gave me problems and I never gave them noun my work check my taxes and my XXXX  XXXX comes to that Chime they just cant keep no government money XXXX is the government

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: AL

Complaint narrative:
CREDIT SYSTEMS INTL XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT SYSTEMS INTL XXXX  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 2026-01-28 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: Chime Financial Inc
State: WA

Complaint narrative:
On the morning of XX/XX/XXXX I noticed XXXX unauthorized charges on my credit card account made between XXXX am and XXXX am. Each charge was {$19.00} totaling {$99.00}. I immediately opened a dispute with my bank on XX/XX/XXXX and was denied on XX/XX/XXXX with no investigation information provided from the bank. I also contacted XXXX about the charges. On XX/XX/XXXX between XXXX pm and XXXX pm another XXXX unauthorized charges were posted to my account from XXXX each charge was for {$19.00} totaling {$390.00}. I submitted another dispute with chime the same day that was also denied. I contacted XXXX again as well regarding the charges. XXXX was able to link the charges to a XXXX account, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. my case with XXXX was eventually escalated and upon further investigation XXXX confirmed the charges were made by the owner of the XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and that the charges were gaming charges, specifically XXXX. XXXX also verified the name on this account is XXXX XXXX. I do not know anyone by this name. The card used was my virtual credit card. I have changed this card number multiple times and yet ly since XX/XX/XXXX multiple unauthorized charge attempts are being made by this person. I have kept all cards associated with this bank froze since XX/XX/XXXX. Only unfreezing my physical card to make any purchases or transferring my money to a different bank account. I have also submitted an appeal to my previously denied disputes by my bank with documented communication directly from XXXX confirming the charges to be unauthorized by me. 
I asked for further details and findings of their investigation of the unauthorized charges from my bank nothing has been provided. I have since filed a police report with my local police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: WI

Complaint narrative:
My personal information was used without my knowledge or consent to open and misuse bank accounts while I was a victim of XXXX XXXX. I did not authorize or benefit from these accounts. The accounts were fraudulently created and later reported to ChexSystems, causing financial harm. I am reporting this as identity theft and requesting the information be blocked and deleted.

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 2026-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am still waiting for JP MORGAN CHASE to comply with RESPA, TILA and Consumer Protection ACT as it relates to the PRIMARY and HUD subordinate loan on my primary residence ... I have requested a detailed account and loan payments made on my - borrower 's - behalf to HUD on XX/XX/XXXXXXXX  towards the subordinate loan which HUD acknowledged and provided despite the false claims made on their response to the CFPB on XX/XX/XXXXXXXX   regarding my initial complaint about the FHA Mortgage issue and the same mortgage for which I received a satisfaction or lien release on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
My credit card was used without authorization and I immediately contacted the bank, changed card number and opened a dispute case. However, I was suddenly being recharged for the unauthorized transaction. They chose to make me pay for a transaction that I didnt even know.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
I am submitting this complaint regarding PayPals refusal to reimburse {$1500.00} in unauthorized international transfers from my account. 

On [ XX/XX/year> at XXXX and XXXX ], funds were sent from my PayPal account to recipients overseas. I did not authorize these transactions. My account is normally used only to add funds or make routine purchases I do not send money internationally. These transactions are completely inconsistent with my account history. 

This incident occurred during a broader fraud event involving my financial accounts. My linked bank account was targeted at the same time, and my bank detected the activity as fraudulent, denied the transactions, locked my cards, and notified me. This confirms my financial information was compromised and there was active unauthorized access to my accounts when the PayPal transfers were processed. 

Important facts : I did not initiate, approve, or benefit from these payments. 
The transfers were international and outside my normal usage pattern. 
I had two-step verification enabled, showing I had security protections in place. Fraud can still occur through credential compromise or session hijacking. 
I reported the unauthorized activity to PayPal promptly. 
PayPal denied my claim stating the transactions did not appear unauthorized, but has not provided login IP logs, device information, or authentication evidence used to make this determination. 

Given the confirmed fraud activity at my bank, the abnormal nature of these transactions, and my prompt reporting, I believe this situation qualifies as unauthorized electronic fund transfers. PayPals denial appears to rely solely on automated authentication data rather than a full fraud investigation. 

I am requesting : 1. A full reinvestigation of these transactions 2. The evidence PayPal relied upon to deny my claim XXXX. Reimbursement of the {$1500.00} removed without my authorization I have taken security steps including password changes and maintaining two-factor authentication. I am also filing identity theft documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received this letter on Saturday XX/XX/XXXX that I owe Home Depot {$600.00} from XX/XX/XXXX which I know nothing about and I have never had credit with this store or shop there so I don't know what this is about. Please your records and please send me any documentation regarding this account because I feel this is identity theft and so I can figure out how to have this problem resolved. I would appreciate any help. Thank you for your attention to this matter

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 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: AK

Complaint narrative:
I was being scammed by someone pretending to be my cousin in cashapp. I have his cashapp name and user name. {$1000.00} worth of money. I been chatting with their advocate and the are not helping me get my money back from the scam artist. XX/XX/year>XXXX  the amount of {$1000.00} and he sad that my money will triple. Cashapp XXXX  transaction. By the name of XXXX. Cashapp name XXXX XXXX

Company response to consumer: Closed with explanation