vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TX

Complaint narrative:
XXXX XXXX Dob XX/XX/XXXX Passed XX/XX/XXXX I had power of attorney, he was residing with me on XXXX, his funds were in his Chime account. When he passed the deactivated the card and the account, I have emailed 3 times to show his death certificate the power attorney documents and the have ignored my request I am unable to access the Chime app. 

Please help, there were funds that belong to my brother, I am his living relative XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX cell

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MO

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC 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 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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
An open account on my credit report is being reported with a late payment that is inaccurate. This information does not reflect my true payment history. I disputed this error, but the credit bureau has continued to report the late payment without proper correction. This inaccurate reporting is harming my credit profile and does not comply with the Fair Credit Reporting Act.

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 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: MO

Complaint narrative:
AMSHER COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research AMSHER COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AR

Complaint narrative:
I disputed a telecommunications debt being reported by Jefferson Capital Systems , LLC related to an alleged XXXX XXXX account in the amount of approximately {$740.00}. 

I timely requested debt validation and verification, including proof of ownership of the debt, proof of legal obligation, and documentation showing Jefferson Capital Systems, LLCs authority to collect and report the debt.

In response, Jefferson Capital Systems , LLC provided copies of old XXXX XXXX billing statements but did not provide proof of assignment or sale of the debt, a bill of sale, chain of title, or any documentation establishing their legal right to collect or report this account.

Despite the lack of proper validation, Jefferson Capital Systems , LLC continues to report the account to consumer reporting agencies and claims the debt has been verified. Billing statements alone do not constitute proper validation of ownership or legal obligation.

I believe this constitutes a misrepresentation of the debt and improper credit reporting in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Roadrunner Account Services, LLC
State: TX

Complaint narrative:
On XX/XX/year> a third party repossession agent came onto my property and removed a lock off of my private fully enclosed garage and opened my garage to obtain possession of the unit without an order from a judge. 

The agent verbally admitted via a phone call that he removed the lock from my private garage to roll up the garage door without knowledge if the unit was inside. The agent additionally detailed how he entered my private garage by stating he removed the lock, manually opened the garage door, used my wood boards to hold the door open, removed the unit and closed the garage back. He also stated after he closed the garage he put the lock at the bottom right of my shop door. Confirmed in photos attached. The agent stated he was " aloud '' to take the lock off and enter my private garage. 

A XXXX  witness was present and called crying saying someone was breaking into the shop and stealing the side by side. 

This was confirmed by RoadRunner Financial that a third-party repo agent was used and as of this complaint has failed to disclose the vehicle location.

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: CITIBANK, N.A.
State: TX

Complaint narrative:
I applied for a Citi-issued XXXX XXXX credit card through a promotion that promised a statement credit for a specific XXXX XXXX XXXX XXXX I was approved for the card, but I never received a usable card number to complete the transaction at the time of application. Because the promotion required the flight to be charged on the new card, it was impossible to receive the promised statement credit. Citi has refused to honor the promotion or provide an equivalent remedy, even though the failure to provide a usable card was through no fault of my own.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Due to Family event I had notified Shellpoint mortgage of need of assistance for payments in XX/XX/year> only offered A repayment plan that only incresed my payment wich did not work. for they then proceeded to request a deferment in XXXX and advised me I can not give a payment till we know if got approved XXXX weeks past I called them to ask about it they then notified me I had to restart the process and not to give payment the offer was expired. In XXXX the same thing they had to restart it cause offer was expired now in XXXX they tell me no didn't get approved now im due $ XXXX and in fORCLOSURE with added fees this company has jt been pushing my payments back till they run the fees up now im due my mortgage and foreclosure fees in wich they can't tell me right now amount due till XXXX days from today i need this investigated please very BAD BUISENESS PRACTICES to my security .. this has been a complete mishap and what this has caused me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: GA

Complaint narrative:
XXXX XXXXis falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX RECOVERYis a debt collector. They are falsely reporting on my credit!! Account number is XXXXis 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 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Complaint Description Subject : Dispute of Inaccurate Hard Inquiry Incomplete Credit Transaction Statement of Facts : On XX/XX/year>, I applied for a Chase Freedom Unlimited credit card. After 14 days of no communication, I contacted JPMorgan Chase & Co. on XXXX  XX/XX/XXXX to inquire about my status. During this call, I was given contradictory information, being told my application was " pending '' and then " denied '' in the same conversation. 
To resolve a security flag, Chase requested documentation to verify my Date of Birth ( DOB ) and current address. I promptly submitted my State Drivers License and a certified Bank Statement. Despite providing these government-issued and financial documents, Chase specialists informed me they " could not verify my identity '' through their digital portal and refused to process the application further. When I offered to provide additional secondary documentation, the bank refused to review it and stated a denial letter would be issued for " failure to verify identity. '' The Problem : JPMorgan Chase & Co. performed a hard inquiry on my credit report on XX/XX/year>. However, by refusing to accept valid, government-issued verification documents or provide a digital path to completion, the bank has failed to fulfill the " permissible purpose '' of the inquiry. Because the banks internal policies made the completion of the application impossible for a consumer in my geographic area ( over 70 miles from the nearest branch ), the transaction is effectively incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
I received an email saying a purchase under my name was made by Acima for {$720.00} on XX/XX/year> towards XXXX XXXX XXXX XXXX An initial payment of {$10.00} was submitted However, I have no memory of this purchase or transaction, or the Company that the transaction was in reference too Originally I thought it was a scam or fake link, so I paid it no attention, until Acima official documents showed up to my door about the payments I called Acima and they said in order to close the account and have it removed, I need to create a fraud report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: TX

Complaint narrative:
My First & LAST name, My Street NUMBER & Street NAME and My City and State are as Follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX PLEASE DELETE THE INACCURATE NAMES BELOW : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THE INACCURATE ADDRESSES BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to formally dispute an inaccurate and unauthorized XXXX record that is being reported by your agency. The record in question is a XXXX XXXX XXXX filed on XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX under Reference Number XXXX, and reportedly settled on XX/XX/XXXX. This information appears to have been shared with XXXX XXXX XXXX  and I am requesting an immediate investigation into its origin and reporting accuracy. 

Under the Fair Credit Reporting Act ( FCRA ), LexisNexis is required to ensure that all information provided to consumer reporting agencies is accurate, complete, and verifiable. I have no knowledge of filing this XXXX  and believe it may be the result of identity theft or a misattribution error. Therefore, I am requesting that LexisNexis conduct a full investigation, including contacting the original court for verification and providing me with the method of verification used to report this public record.

Company response to consumer: Closed with non-monetary relief
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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express is knowingly validating a debt resulting from a Deceptive Trade Practice, in violation of the Consumer Financial Protection Act. 

The Facts : I disputed a transaction from XXXXXXXX XXXX XXXX  ( {$19000.00} ) because the services delivered were materially different from the services sold. Specifically, the merchant advertised XXXX XXXX ' terms, which I relied upon for booking, and denied accommodation of the cat for our stay, without offering a no penalty cancellation. 

The Evidence : The merchant has admitted in writing ( see attached XXXX XXXX ) that the terms displayed to me were the result of a XXXX XXXX ' and were incorrect, that they remained published and active throughout my stay, and that they were changed only after I checked out. 

The Violation : I filed XXXX disputes with American Express for 'services not provided / misrepresentation ' - XXXX XXXX XXXX XXXX Despite being presented with the merchants written confession that the transaction was based on a system error, American Express closed the dispute stating 'services were rendered. ' This ignores the material fact that the contract was formed under false pretenses admitted by the vendor. 

Conclusion : By validating a charge where the merchant has confessed to a system error, American Express is aiding and abetting a Deceptive Act. I demand the immediate reversal of these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Global Lending Services LLC
State: FL

Complaint narrative:
XX/XX/year> I told the company that I would like to be contacted only through mail and they repeatedly called me up until XX/XX/year>. 
The seized the property XX/XX/year> and called me again XXXX XXXX before the vehicle was taken. 
They contacted me and others that Im associated with about the debt and harassed them daily.

They seized the vehicle once before without my knowledge or consent and called me until I agreed to pay the debt.

Company response to consumer: Closed with explanation
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Klarna AB
State: CT

Complaint narrative:
I am a member of Klarna, which is a " buy now, pay later '' service. I have used this multiple times. On our about XX/XX/year>, I visited the website XXXX, which is an internet store for XXXX XXXX XXXX XXXX XXXX XXXX XXXXI requested a XXXX use " credit '' card through Klarna in the amount of {$500.00} to use to purchase the ring. I added a ring ( called the XXXX ) to my cart but never completed the checkout process because we decided we did not want to buy the ring. 

On or about XX/XX/year>, I noticed that the {$500.00} had been added to my Klarna balance and that payment is owed for that amount. I attempted to resolve this through their chat. They refused to cancel the {$500.00} balance. I then told them I wanted to dispute the charge as fraudulent because I never made the purchase. They " investigated '' the issue and confirmed that the order was legitimate. They did this by verifying that my phone and my account were used to make the purchase. I asked for the specific details of each action they took to resolve my situation. They would not answer me other than to report the same information that they verified the purchase. They did not contact the vendor. I do not have any documentation that no order was placed because I never completed the purchase. I did reach out to the vendor and they responded. The misunderstood what I was asking- they are looking for the order. Which they are not going to find because nothing was ordered!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding PayPals practice of withholding cleared funds and charging fees to access money that has already been released. 

I completed a sale through XXXX for {$810.00}. The buyer confirmed receipt and formally released the funds. Despite this, PayPal continued to hold the funds for approximately XXXX weeks under the explanation that it was policy to protect either party. 

There was no dispute, no claim, and no unresolved issue. The transaction had been completed and approved. The hold served no legitimate protective function and instead restricted my access to funds that were rightfully mine. 

Because XXXX requires PayPal as its payment processor, I had no practical alternative and no meaningful ability to avoid these terms. 

To compound the issue, PayPal then charged me {$15.00} to transfer my own funds immediately rather than wait an additional XXXX days for standard transfer processing. This effectively penalizes sellers for wanting timely access to money that has already been cleared and released. 

PayPal has previously faced legal action related to similar practices, including litigation in Hawaii concerning the holding of funds. This pattern suggests a systemic issue rather than an isolated incident. 

I am requesting : Reimbursement of the {$15.00} fee A written explanation for the extended hold after buyer release Regulatory review of PayPals post-release hold practices Sellers should not be required to pay additional fees to access funds that have already been cleared and approved. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank Care Credit initiated a dispute with my XXXX XXXX without my authorization and contrary to my explicit instructions. 

I never disputed receiving XXXX XXXX. My prior complaint concerned improper charges and disclosure issues. Despite this, Synchrony opened a provider based dispute, causing the XXXX XXXX to submit statements unrelated to my actual complaint. 

This unauthorized dispute misrepresented my position, involved third party communication without consent, and created a risk of inaccurate internal records or credit reporting. I was not notified in advance, did not approve this dispute, and repeatedly stated that I was not disputing the XXXX XXXX  itself. 

This action has caused tangible harm. My XXXX XXXX  with this provider is ongoing, and Synchronys unauthorized dispute has damaged my relationship with the provider. As a result, my continued care has been affected, and I now experience friction and complications when attempting to schedule or receive treatment. This harm is a direct consequence of Synchronys improper dispute handling and third party communication. 

I am requesting CFPB review of Synchronys dispute handling practices, including initiating provider disputes without consumer authorization, mischaracterizing consumer complaints, and causing unnecessary disruption to an active XXXX XXXX  relationship.

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