vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I have XXXX debts on my credit report and i have filed disputes online and also sent in physical letter to the company with no response via mail. They deny the online disputes with no validation. I did however receive settlement offers via text from this company but they won't prove the debt is mine. All i'm asking is for information regarding the debt I have no information about along with the approval for them to collect the amount from me. I have never done business with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a complaint regarding inaccurate and unfair credit reporting by Chase Bank related to one of my credit card accounts. On XX/XX/XXXX, I received written notice from Chase stating that all of my accounts, including credit card ending in XXXX, would be closed effective XX/XX/XXXX. After those closures, my online access to the accounts was terminated, limiting my ability to monitor any remaining balances. In XX/XX/XXXX, I worked with my private banker, XXXX XXXX, to confirm the payoff amount on the credit card. Based on the information provided to me, I mailed a check in the amount of {$1000.00} to fully satisfy and close out the account. That check was cashed by Chase on XX/XX/XXXX. Following that payment, I did not receive any further correspondence from Chase. I received no statements, notices, calls, or emails indicating that any additional balance remained on the account. I recently discovered that Chase had been reporting this account as delinquent starting in XX/XX/XXXX and continuing monthly. I was never notified of any outstanding balance after my XXXX payment, nor was I given any opportunity to address the issue. Upon discovering this, I immediately contacted Chase and paid the remaining balance, which was under {$30.00} in principal but went up to {$150.00} consisting primarily of accrued interest. Had I been properly notified, this minimal amount would have been resolved immediately. Chase failed to provide adequate notice, failed to deliver account communications after restricting account access, and continued to report negative activity without making reasonable efforts to contact me. As a result, my credit score has been significantly and unfairly impacted. I have acted in good faith at all times and promptly resolved the balance as soon as I became aware. The negative reporting in this case is the result of communication and servicing failures, not willful nonpayment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a dispute to Experian regarding multiple inaccurate items appearing on my credit report, including charge-off accounts, collection accounts, unauthorized inquiries, and an incorrect address. Despite providing Experian with an opportunity to investigate these items, the disputed information continues to be reported without adequate verification or supporting documentation. Several accounts are being reported as charged off or in collections, yet Experian has not provided sufficient evidence demonstrating how these accounts were verified. Additionally, multiple hard inquiries appear on my credit report that I do not recognize and did not authorize. I requested documentation showing a permissible purpose for these inquiries, but no satisfactory proof has been provided. I also identified an address on my credit report that does not belong to me. Reporting inaccurate personal information raises concerns regarding the accuracy and integrity of my credit file. I believe Experian has failed to conduct a reasonable reinvestigation of the disputed items as required under the Fair Credit Reporting Act ( FCRA ). The continued reporting of unverifiable, inaccurate, or incomplete information is negatively impacting my credit profile and causing financial harm. I am requesting CFPB assistance to ensure that Experian conducts a proper investigation and either provides documented proof supporting the accuracy of the disputed information or removes the unverifiable items from my credit report.

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 2026-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hillcrest Davidson & Associates
State: TX

Complaint narrative:
I sold a house in FL where I had a 2 year service agreement with safe streets to provide security services. I sold the house a year later. In XXXX, I sent payment to safe streets for the remainder of the contract. In XXXX of this year, I received a first notice of collections from Hillcrest Davidson and XXXX wanting to collect payment on an outstanding debt with Safe Streets, the security company mentioned. As Id already paid them, I sent a bank statement showing payment, hoping this would close the matter out. A few weeks later, I received another letter from Hillcrest wanting to make collections. I responded in a letter telling them Id sent proof it was already paid off and Im not about to pay twice. A few weeks later, another collections letter, with a similar response. Monday this week, XX/XX/XXXX, I got a call from Hillcrest demanding payment. I explained Id already sent proof of payment. They disregarded this and threatened to hit my credit score with a note of delinquency. Today, I see they indeed did this, my credit score plummeted from XXXX XXXX. I filed a claim with experian earlier today. Sent a cease and desist letter to Hillcrest today demanding they resend the notice on my credit report and stop harassing me. I can send proof of payment, a copy of the claim sent to experian, and copy of cease and desist to Hillcrest. Hillcrest has no right to unilaterally damage my credit score. Ive provided proof of payment, which was ignored. My ask is to have Hillcrest remove anything regarding this incident from my credit report, stop harassing me, and change their practices. Its unfair they can unilaterally damage my outstanding credit rating as a method to extort monies from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
There is collection accounts being reported on my credit file that I dispute as inaccurate and/or unverified. I requested validation of this debt, but the company failed to properly verify it. This reporting is causing harm to my credit profile and ability to obtain credit. I am requesting immediate investigation, deletion of any inaccurate information, and full compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including 1681i ( reinvestigation requirements ) and 1681s-2 ( furnisher duties ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> {$2000.00} was taken from our checking account at Chase bank via XXXX without our permission. We found out that out computer was hacked and scammer got a hold of our banking information, then managed to withdraw fund from our checking account. The bank was notified the same day. The bank officer cancelled our Chase credit cards, also he changed username and password of our account. Although the bank acknowledged that the money was taken fraudulently from our account but refused to reimburse the fund. They said it requires further investigations. Over a month is passed and no money was returned to us yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: SERVICEMAC, LLC
State: TX

Complaint narrative:
We closed on the sale of our property located at XXXX, XXXX, TX XXXX on XX/XX/year>. At closing, the title company obtained a payoff statement from ServiceMac, and we remitted payment in full based on the amount provided. Today, I received a concerning call from the title company advising that ServiceMac returned the payoff funds, claiming the amount was insufficient. We paid exactly what was quoted as the payoff amount, and this situation is unacceptable. Your representative indicated that the discrepancy is due to ServiceMac paying our homeowners insurance. However, we have never escrowed our insurance or taxes, and ServiceMac had no authorization or basis to pay our homeowners insurance on our behalf. The title company has already confirmed with our insurance provider that we paid our insurance directly and that it was current at the time of closing. As a result of this error : We are now being told that, legally, the loan remains open on a property we believed was sold and fully satisfied. My credit report is showing late payments, and my credit score has dropped by over XXXX points despite a flawless payment history. This has directly impacted my ability to proceed with a planned vehicle purchase. The situation is creating a ripple effect, potentially impacting multiple real estate transactions tied to this closing. This is an extremely serious matter caused by what appears to be a failure on the part of ServiceMac to properly handle the payoff and account status. I am requesting : Immediate correction of the account and confirmation that the loan is paid in full Reversal and correction of all negative credit reporting A formal explanation of how this error occurred Written confirmation that no further adverse actions will be taken I expect to be contacted today with a plan to resolve this matter. If this is not promptly addressed, I will be escalating this issue, including contacting a real estate attorney. I can be reached at XXXX and am awaiting your urgent response. 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 2026-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I am disputing the reporting of a GM Financial/XXXX auto loan on my credit reports. The account was opened in XX/XX/XXXX and is currently reported as " Paid, Closed '' with a reported write-off amount of {$3600.00}. The account status was last updated in XX/XX/XXXX. I previously submitted a complaint regarding this matter. In its response dated XX/XX/XXXX, GM Financial stated that it was unable to locate an account using the information provided in my complaint. However, this account continues to appear on my credit reports. Because GM Financial indicated that it could not locate the account, I am requesting that GM Financial verify the accuracy and completeness of the information being furnished to the credit reporting agencies. I am also requesting documentation supporting the reported account status, payment history, and write-off amount. If the information can not be verified or is inaccurate, I request that it be corrected or removed from all credit reporting agencies. I have attached a copy of GM Financial 's response letter and supporting documentation for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am filing this complaint against XXXX ( PayPal , Inc. ) regarding an unfair, automated negative account balance resulting from an illegal airport taxi scam, which XXXX has prematurely marked as " resolved '' via computer automation without a manual review. On XX/XX/year>, at approximately XXXX XXXX, after arriving exhausted at XXXX XXXX, I was misdirected into an unlicensed XXXX XXXX. The driver led me to believe the ride would follow standard metered pricing, but upon arriving at my destination ( XXXX XXXX XXXX ), he pulled a bait-and-switch and demanded an extortionate, highly inflated fare of {$190.00}. To prevent an escalation late at night, I paid the {$190.00} via XXXX so I could safely exit the vehicle. To fund this unexpected cost, I transferred {$150.00} from my XXXX XXXX account to supplement my standing XXXX wallet balance. Realizing I was the victim of a notorious airport scam ring, I acted immediately in good faith to protect my bank assets by opening a dispute with XXXX solely for that initial {$150.00} transfer on XX/XX/year> ( XXXX Dispute Number : XXXX ). XXXX 's investigation is still pending. On XX/XX/year>, XXXX received the automated network notification of the pending XXXX dispute. The exact same day, XX/XX/XXXX, XXXX 's automated system simultaneously debited my wallet {$150.00} ( driving my balance into the negative ) and issued an automated email marking the case as " resolved. '' Today, on XX/XX/year>, I spoke directly with a XXXX customer service representative via phone to resolve this discrepancies. The agent explicitly explained to me that the negative balance was applied because it was an " external dispute, '' and because XXXX flagged the transaction, XXXX automatically debited my account for that amount to recover their funds, rather than investigating the underlying crime. The agent admitted this was automated policy and told me I should have reported an internal dispute instead of involving my bank first. While the agent opened an internal dispute for the full {$190.00} during our call, my account is still frozen with a negative balance. I am a consumer and a victim of a crime who acted transparently and in complete good faith. XXXX is punishing a fraud victim with an unfair debt using instantaneous computer automation before my bank has even made a final determination, forcing me into a punitive negative balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
LVNV Funding received my debt validation letter via certified mail on XX/XX/2026 but has failed to respond. This violates my rights under the FDCPA. I am requesting that they validate the debt or immediately remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally disputing the XXXX XXXX tradeline reporting as a charge-off with an approximate balance of {$21000.00} on an account reflecting a credit limit of approximately {$300.00}. This reporting is inaccurate, incomplete, and not verifiable as reported because it reflects an alleged obligation wildly inconsistent with the accounts stated limit and my authorization/consent. I have disputed this matter multiple times directly and the issue remains unresolved and continues to be reported. This dispute also implicates unfair/deceptive and consumer credit protections including 12 U.S.C. 5531 and 5536 ( UDAAP ), 15 U.S.C. 1601 et seq. ( Truth in Lending Act ), 12 C.F.R. 1026.56 ( Regulation Z credit card account disclosures/requirements ), and Californias XXXX Fair Debt Collection Practices Act, Civil Code 1788 and 1788.13, to the extent reporting/collection activity is pursued unlawfully. However, your duties here are clear under the FCRA : you must conduct a reasonable reinvestigation ( 15 U.S.C. 1681i ( a ) ) and maintain maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ). If the furnisher can not provide competent documentation verifying the accuracy and lawful basis of the disputed balance/terms, you must delete or correct the tradeline under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( inaccurate or can not be verified ). I am demanding deletion of this XXXX XXXX tradeline ASAP, and written confirmation of the results. Sincerely,

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 2026-06-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MS

Complaint narrative:
On XX/XX/year> I purchased a {$500.00} XXXX XXXX XXXX from XXXX. When I tried to used it to make a purchase, the card declined. I contacted Incomm. They sent a replacement card. When I tried to activate the new card, it had a status " on Hold '' which means the card does not work. The company does this routinely for customers who have defective cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have been charge with credit card without my knowledge of applying for with PayPal credit card. When I talked with an agents I was told that that I have a balance of more than {$3000.00} dollars. I would like to know if anyone can help me disputes this account.

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 2026-06-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Net Pay Advance, Inc.
State: LA

Complaint narrative:
I requested information regarding a loan. I was approved and they stated they would deposit money into my account. I requested they cancel the loan ( via email on XX/XX/XXXX and via their website messaging, I have a timestamp response on XX/XX/XXXX at XXXX ). They deposited the money into my bank account today, XX/XX/XXXX. I called several times and finally spoke with an agent who stated the loan would be cancelled and the money returned, however that could take XXXX business days and to give them a call back on next Thursday, XX/XX/XXXX. I requested email confirmation and only received this statement : " The {$450.00} transaction is still pending on out end, we will receive the confirmation of the deposit today at XXXX XXXX cst. Once we receive the confirmation we will be able to process the cancellation of your draw request. '' I did call back and that is when they stated it could take 5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Re : Notice of Dispute and Request for Validation Under 15 U.S.C . 1692g Account Reference : XXXX Original Creditor : XXXX XXXX XXXX XXXX Amount Alleged : {$2800.00} To Whom It May Concern, I am writing regarding the above-referenced account appearing on my consumer report. This letter serves as a formal dispute and request for validation pursuant to the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, and all other applicable federal and state consumer protection laws. I do not acknowledge responsibility for this alleged debt, and I request that your office provide competent evidence that I have a legal obligation to pay. Please provide the following : 1. The complete name and address of the original creditor. 2. A copy of the original signed agreement or contract bearing my signature. 3. Documentation showing how the alleged balance of {$2800.00} was calculated. 4. Proof that your company has legal authority to collect in my state. 5. Copies of any assignment, transfer, or purchase agreement related to this account. 6. The date of first delinquency and full payment history. 7. Verification that the account information reported to consumer reporting agencies is accurate and complete under the Fair Credit Reporting Act. Under 15 U.S.C. 1692g ( b ), you must cease collection activity and reporting of this account until proper validation has been provided. If you can not provide the requested documentation, I demand that this account be deleted from all consumer reporting agencies to avoid continued reporting of inaccurate or unverifiable information. Furthermore, if any information reported is found to be inaccurate, incomplete, or unverifiable, continued reporting may constitute violations of the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 and related provisions. Please note that this correspondence is not a refusal to pay, but a notice sent pursuant to my rights under federal law requesting validation of the alleged debt. I request all future communications be made in writing only. Thank you for your cooperation. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: NJ

Complaint narrative:
I tried to contact customer service i can't get a live agent to help with unauthorized transactions my social security number is not on file because of banking changes i tried to make contact with other phone number. can't find a phone number with my a account that's can help me.. i ordered a replacement card but i need help with these XXXX transactions. a charge for XXXX cents and another for XXXX cents i have been a victim over and over for charges i didn't authorize.

Company response to consumer: Closed with non-monetary relief