vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 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: LA

Complaint narrative:
I am submitting a complaint against several debt collection agencies for what appear to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the agencies failed to provide sufficient documentation to establish that I am legally responsible for these accounts. Specifically, they did not produce key records such as original agreements, proof of ownership, complete account histories, or evidence of their authority to collect. Despite this lack of verification, collection activities and credit reporting appear to have continued. This raises concerns about potential violations of the Fair Debt Collection Practices Act ( FDCPA ), including failure to properly validate debts and the use of misleading or unfair collection practices. It also raises concerns under the Fair Credit Reporting Act ( FCRA ), particularly with respect to the accuracy of reported information and the adequacy of any investigation into disputed accounts. Overall, the conduct described suggests that these agencies may be attempting to collect on unverified debts and may be reporting potentially inaccurate information, indicating possible broader noncompliance with federal consumer protection requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MO

Complaint narrative:
Company XXXX : Chime Financial , Inc. Company XXXX : XXXX XXXX XXXX XXXX XXXX XXXX. Complaint Title : Unauthorized Transactions Failure to Investigate & Wrongful Denial of Fraud Claims Complaint Details ( USE THIS EXACTLY ) : I am filing this complaint regarding unauthorized transactions on my account that were fraudulently processed through Uber Eats and subsequently denied by Chime after my disputes. The transactions in question show a clear pattern of unauthorized activity, including multiple XXXX XXXX charges within short timeframes that I did not authorize, approve, or benefit from. Despite reporting these transactions promptly, Chime failed to conduct a reasonable investigation as required under the Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 12 CFR 1005.11 ). Chime denied my claims without providing sufficient evidence that I authorized these transactions or that a proper investigation was conducted. I was not provided with documentation, transaction verification, IP logs, delivery confirmations, or any proof linking me to these charges. Additionally, XXXX XXXX processed and fulfilled these transactions without proper fraud detection measures, allowing repeated unauthorized charges to occur on my account. These actions constitute : * Failure to properly investigate unauthorized electronic fund transfers ( Regulation E violation ) * Failure to provide documentation upon request * Negligent fraud prevention practices I am demanding the following : XXXX. Immediate reimbursement of all unauthorized transactions XXXX. Full investigation records and documentation used to deny my claim XXXX. Confirmation of corrective action taken to prevent further fraud If this matter is not resolved promptly, I am prepared to escalate this complaint to additional regulatory agencies and pursue legal remedies for damages. I certify under penalty of perjury that these transactions were unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: ONLINE Information Services, Inc.
State: MD

Complaint narrative:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: SERVICEMAC, LLC
State: TN

Complaint narrative:
My payoff quote dated XX/XX/year> automatically netted the escrow balance of {$4000.00}, but I did NOT request or authorize my escrow to be applied to reduce the payoff. I signed a FHA Escrow refund document advising that the surplus be refunded to me, not used to lower the payoff amount. On XX/XX/year>, Servicemac completed a final escrow analysis showing a final surplus of {$2900.00}. This is the amount FHA requires to be refunded after payoff. Servicemac issued a refund check for {$2900.00}, and this refund is shown in my escrow ledger on XX/XX/XXXX as ESC REFUND XXXX. However, Servicemac later reversed the refund and claimed the payoff was short because the escrow had been netted. This explanation contradicts their own escrow ledger and shortyear statement. My ShortYear Escrow Statement dated XX/XX/year> shows : The {$2900.00} refund was posted The refund was never reversed in the escrow ledger A separate {$320.00} disbursement posted on XX/XX/XXXX A final ESC REFUND XXXX was issued The escrow account closed at {$0.00} No shortage, no negative balance, and no reversal entry appear anywhere ServiceMacs explanation over the phone was that the payoff was short, which is inconsistent with their own records. Their system clearly recognized the {$2900.00} surplus, issued the refund, and never reversed it in the escrow ledger. Regulation X Violations : 1. Failure to acknowledge my Notice of Error within 5 business days ( 12 CFR 1024.35 ( d ) ) my NOE was delivered April 23, 2026, and as of May 5, 2026, I have received no acknowledgment. 2. Failure to correct or properly investigate a servicing error involving escrow refund reversal. 3. Failure to provide documentation supporting their claim that the payoff was short. 4. Failure to maintain accurate escrow records their ledger contradicts their explanation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
I am disputing a rental collection account for approximately {$6000.00} reported by Synergetic Communication Inc. I previously contacted the company and requested validation of the debt, including a lease agreement, payment history, and itemized charges. No documentation has been provided. I also disputed this account twice with XXXX. Both times, the account was verified without any supporting documentation being provided, and my specific concerns were not addressed. The account lists the collection agency as the original creditor, which is inaccurate for a rental account. I also dispute the balance, including alleged damages, which have not been substantiated. Despite multiple disputes, the account continues to be reported without proper verification. I am requesting that this account be properly investigated and corrected or removed if it can not be verified with documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
My husband passed away XX/XX/XXXX. We were able to maintain full payments up until XXXX, however ; we have hit a snag as my husband was the main source of income and I have been struggling. I spoke with Santander on XX/XX/XXXX. The person I spoke with asked how much we could pay, I advised them that my daughter would help me pay and we could do {$300.00}, they stated that was okay and asked me to call back today after I spoke with my daughter. I called them back today, they advised they can not help with lowering of payments, they can not help with a deferment and urged me to just return the vehicle to the dealership. We need a vehicle to get from point A to B, appointments etc. I also went into chat, asked to speak with a manager, was only given a representative that advised we can pay whatever but it will not help with the account being past due from XXXX. They as well advised that they can not help with any lowering or payment, deferral to get us back on track etc. That is we pay the {$300.00} it will not help with any delinquency. I am XXXX XXXX XXXX, trying to save our home, and our vehicle that we paid on this whole time, and I feel as if due to my age, the company does not want to work with us at all. They are just telling me to return the vehicle. This is unacceptable as any of the other creditors that I have, have been very willing to help me through the process and worked with us, including utilities. This is not acceptable and very predatory and based on age is what I feel. I also want to know why I was told it was okay and they could lower my payments 1 day and then next that there's NOTHING they can do. I will look to file bankruptcy if needed, but that is not the route I wish to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am an employee of XXXX 's XXXX store for over 10 yrs, being that gives me the benefits of discount on purchases. XX/XX/XXXX Citibank closed my accts which was the bank service that XXXX 's used for credit services, but for some reason they closed my account abruptly with no notice. All payments were made with no outstanding balances. XX/XX/XXXX I reapplied for a new Bloomingale 's new credit card was approved but they had changed over to a new bank for credit services, XXXX XXXX. XX/XX/XXXX XXXX 's switched back over to Citi and they are closed my account basing their decision to XXXX issue in which a reason was never provided. In the meantime, I tried sever times to reapply but keep getting declined. I have an amazing credit score and a few credit cards with no issues. My house is mortgage free and no issues with Leasing Automobiles. Citibank sent me a letter stating that a high volume of purchases and frequent payments from unknown sources. This is discrimination, I am an employee and entitled to discounts. My husband and I have joint accounts and assets which assisted in my payments. I made payments in check and sometimes in cash to free credit space. My credit limit was XXXX why would they give me such a high credit limit if I was not entitled to it. When I was hired they told us we can make payments in cash, check or debit. XXXX I didn't have a debit card but I do now, to make things simpler. Citi just sent me a CBR form in reference to my dispute on their decision. I am submitting the form with an explanation documentation to support my dispute and a copy of my credit score, last statement, my employee policy for discounts, my employee badge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
Im extremely disappointed with my experience using Rooms To Go and Synchrony Bank to finance my childrens bed purchase. We chose to finance through Synchrony because Rooms To Go advertised a great promotional deal, 24 months at 0 % interest if paid in full within the promotional period. In XXXX, I called and specifically requested the full payoff amount so we could pay the account off completely and avoid any issues. I was under the clear impression that the balance had been paid in full. Later, I discovered there was still a remaining balance of {$110.00} on the account, which has now increased to {$140.00}, presumably due to late fees. This was never clearly communicated, and had I been told there was any remaining balance, I would have paid it immediately. To make matters worse, my husband is military and currently XXXX, so he did not have regular access to the account. Instead of working with us to resolve what was clearly a payoff miscommunication, they sent a letter stating the account would be closed due to dishonored payments because they attempted to withdraw from an account right before the requested full payoff was made. Now my husbands credit may be negatively impacted over what appears to be a preventable billing and communication issue. I also spoke with a manager named XXXX, who was completely unhelpful and offered no meaningful assistance in resolving the situation. This entire experience has been frustrating, stressful, and poorly handled. What should have been a simple financing process turned into a credit and customer service nightmare.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
NCA is falsely reporting on my credit. I have never had any accounts with them. Per my research NCA 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 2026-05-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: United Shore Financial Services, LLC
State: NC

Complaint narrative:
I have been trying to short sale this property for over a year now. When I was approved to submit short sale requests.. They would never approve or deny the multiple offers. The papers kept expiring. We kept re-submitting them. they would never approve or deny. Now, they have re-started my process to short sale. They keep sending me in the same spiral, asking over and over for the same papers that I keep re-submitting. My agent has worked her XXXX off for a year now with no pay. I am still spending money on XXXX. They just keep wasting my time and lying to me. Do they just get to collect government money hand over fist and treat me this way?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Horizon Digital Finance Holdings, Inc
State: CA

Complaint narrative:
XXXX sold my information to refinance my vehicle but I never submitted a application with them. This happened yesterday XX/XX/year>. I reached out but never heard back from them.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
On XX/XX/year>, an XXXX system glitch caused an accidental {$400.00} charge after two immediate declines ( documented at XXXX XXXX and XXXX XXXX ). I contacted XXXX immediately, and they issued a formal Cancellation Confirmation ( Itinerary # XXXX ) and a receipt explicitly stating " Room ( canceled ) ''. Additionally, the hotel property ( XXXX ) authorized a full waiver. Despite the merchant acknowledging the cancellation and the hotel authorizing a refund, the funds were captured, causing an overdraft on my account. Cash App ( Block, Inc. ) denied my initial dispute and is now unreasonably delaying my appeal until XX/XX/year>. This delay in returning funds for a documented canceled service violates Regulation E. I am seeking an immediate reversal of the {$400.00} charge and reimbursement of all associated overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have a Chase credit card showing on my credit report however that was my XXXX mothers account and I was just an authorized user I also settled the account with her estate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WA

Complaint narrative:
Called on XX/XX/XXXX to try and get information about a payment and a balance that was incorrectly applied. Sat through multiple phone tree messages that are designed to get me to leave the call and use the website. Ultimately after 15 minutes or more of phone tree auto messages I was informed by an automated operator to send a message to the lender online. I did send this message. The reply I received a few days later was to call back as Mohela couldn't help with my problem using messages from the website despite that being the instructions when I called on XX/XX/XXXX. So I called on XX/XX/XXXX and after another 15 minutes of teleprompts and information that didn't apply to me I was finally able to talk to a person. Then another 15 minutes of holding and I got to another person. My main complaint is that Mohela has created a series of diversions to keep borrowers from getting accurate and timely information about their loans. The information on line is not always accurate and calling the lender is purposely convoluted and difficult. This discourages borrowers from talking with a human to ask questions. Of note when I finally got the ultimate human to discuss my issue. She was rude and not helpful. Mohela 's current system for information and customer service is extremely bad for borrowers.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
I had funds totaling {$5200.00} USD received into my Capital One account through multiple XXXX transfers. In XX/XX/year>, my account was suddenly blocked and later closed by Capital One. I was informed by the bank that the funds would be returned to the original source. However, none of the senders have received any returned money. My Capital One account statement only shows a generic Withdrawal with no further details. I have requested transaction breakdowns, trace IDs, and confirmation of where the funds were sent, but I have not received any clear explanation or supporting documentation. I completed identity verification using my passport and selfie, and it was successfully approved. Despite this, the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: KY

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 2026-05-05 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: Paypal Holdings, Inc
State: KY

Complaint narrative:
On the date of XXXX XXXX I became the victim of fraud while using the XXXX platform to purchase a XXXX XXXX. It was discovered after purchase that the seller was a fraud and has been creating duplicate listings of products at a much lower price in order to carry out their scam. The seller also provides XXXX tracking numbers along with the purchase that show the item has been delivered, the problem being these tracking numbers only show the city in which the order was delivered and not the destination address or name on the package. So I did not receive the product that I payed over XXXX $ for and the scammer is off the hook with my money because despite filing multiple complaints and claim for refund, Paypal refuses to look into the matter, they keep denying my claim when all they have to do is contact XXXX to discover that the tracking number provided by the seller is not associated with me or my order. After conducting hours of research, I have discovered that this is a popular scam and Paypal is of little to no help to the victims despite advertising a money back guarantee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I went to open a bank account with XXXX XXXX and I was denied. When I inquired about why I was denied the bank attendant told me that he don't know why. Upon doing my own investigation I obtained my XXXX XXXX report and saw that I had a checking account fraud placement from XXXX XXXX XXXX XXXX Incident date XX/XX/year> that I'm not familiar with. That information that was/is being reported is not completely accurate per the FCRA. I am a single father who needs his bank account to receive funds to take care and provide for my family. This denial hinders me from caring for my family. Failure to remove this information will result in me seeking legal remedies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I am disputing a Transworld Systems Inc collection account appearing on my XXXX XXXX XXXX XXXX credit reports for {$190.00} listed as originating from XXXX XXXX. I have resided at my current address of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX since XXXX XXXX and do not recognize this account. I have filed disputes with all three bureaus today under 15 USC 1681i and 1681e ( b ) and am filing this complaint as a concurrent federal record of my dispute. I am requesting investigation and deletion of this item from all three consumer reporting agencies.

Company response to consumer: Closed with explanation