vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I got the title loan two years ago, for {$5000.00}. Ive paid XXXX a month for two years so Thats over XXXX Ive paid and still own the full amount of XXXX now. I asked why my payments arent showing up so they said I have to pay more

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: CITIBANK, N.A.
State: WA

Complaint narrative:
* * Company you are complaining about : * * Citibank ( Credit Card Services ) * * What happened : * * I am experiencing ongoing unauthorized recurring charges from XXXX that neither XXXX nor Citibank has been able to resolve. Since XX/XX/year>, I have been charged for XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ( AWS ) totaling {$420.00}. These charges are not associated with my personal XXXX account and were never authorized by me. I maintain one legitimat e XXXX XXXX XXXX membership billed annually under my email address. XXXX has confirmed that there are additional memberships tied to my payment method, but they have been unable or unwilling to identify the account ( s ), remove my payment information, or stop the charges. I have attempted to resolve this directly with XXXX multiple times without success. I then disputed the charges through Citibank. However : * The charges have not been fully reimbursed * Recurring charges continued even after my card number was replaced now with my other Debit card with XXXX XXXX XXXX At this point, I am stuck between XXXX, who can not or will not remove my payment method from an unknown account, and Citibank, who has not been able to stop or resolve the unauthorized charges. * * What I am requesting : * * * A full investigation into the unauthorized recurring charges * Permanent blocking of all XXXX-related merchant charges tied to these unauthorized accounts * Reimbursement of {$420.00} * Confirmation that no further charges from these unauthorized XXXX accounts will be allowed * * Additional information : * * I have confirmed that no family members or authorized users have access to my card for XXXX services . I have also attempted to locate the account ( s ) using all of my email addresses and was unable to find them. This situation has been ongoing for an extended period and remains unresolved despite multiple attempts with both companies. I am requesting assistance in resolving this matter and preventing further unauthorized billing. I have attatched the dispute letter I sent Citi Bank,

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 monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Central Research Inc
State: NJ

Complaint narrative:
My federal student loan has been transferred between multiple servicing companies over time. When it was transferred to CRI, my monthly payment increased by {$20.00}. At that time, I was informed that this increase would occur every two years. However, due to issues on CRIs end, I was not billed at all starting in XX/XX/year>. During that period, I did not receive any communication regarding changes to my account, including any scheduled payment increases. Recently, I received a new bill with only three weeks notice before the due date. The amount reflects an additional {$47.00} increase, which was never previously disclosed or explained. When I contacted customer service, I was told that after a review, my payment was adjusted, but no clear reasoning or documentation was provided. The lack of transparency, inconsistent billing, and absence of proper notification are concerning. I would like a detailed explanation of how my current payment amount was calculated, as well as a full account history showing all changes and adjustments. Without this information, it is difficult to understand or trust the accuracy of these charges. I suspect something fraudulent going on with CRI.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Purchased 3 items using this card. ( XXXX XXXX parts ) Upon inspecting on of the items, it was not working as intended. Contacted Newegg for returns labels. Decided to send the whole order back cause i didn't trust the parts i got ( other items were still sealed in the box ). Sent the items with the labels provided ( XXXX ). XXXX shows the packages were delivered. ( XXXX ) and ( XXXX ). They said they didn't receive it even when XXXX shows it was delivered. I chargeback. They responded saying that i sent an empty envelope. I had a family emergency so i couldnt respond back in time. Since i didn't respond in time. I lost the chargeback even though i have pictures of the items with the labels and a drop off receipt from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
* * Subject : * * Formal Complaint Against LVNV Funding, LLC Failure to Validate Debt and Improper Collection Practices I am filing this complaint against LVNV Funding, LLC regarding their attempt to collect an alleged debt that I dispute in full. LVNV Funding has contacted me claiming I owe a debt ; however, I do not recognize this obligation and have not been provided with sufficient documentation to validate the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). I have requested proper validation of this alleged debt, including but not limited to : * A copy of the original contract or agreement bearing my signature * Documentation showing the complete chain of title/ownership of the debt from the original creditor to LVNV Funding, LLC * Proof of assignment or transfer of the debt, including all intermediary parties * A copy of any forward flow agreement or purchase agreement related to this account * The name and address of the original creditor, the original account number, and a full account/payment history To date, LVNV Funding has failed to provide adequate documentation to substantiate their claim. Despite this, they continue attempts to collect and/or report this account to consumer reporting agencies. This conduct is concerning and may constitute violations of federal law, including : * Failure to validate a disputed debt * Continued collection activity without proper verification * Potential inaccurate or unverified credit reporting I respectfully request that the CFPB investigate this matter and require LVNV Funding, LLC to : 1. Provide full and proper validation of the alleged debt, or 2. Immediately cease all collection efforts, and 3. Remove any negative reporting associated with this account from all credit reporting agencies Additionally, I request that all future communications regarding this matter be conducted in writing. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Use this : On XX/XX/XXXX at approximately XXXX XXXX, I contacted Bank of America and remained on hold for over 45 minutes before my call was answered. Once connected, the representative falsely accused me of using profanity, which is completely untrue, and then abruptly disconnected the call. This prevented me from receiving assistance and reflects unprofessional and inappropriate conduct. This issue involves both excessive wait times and improper handling of a customer interaction, including a false accusation and call termination. Because calls are recorded, I am requesting that the recording be reviewed to verify what occurred. I am seeking : * A full review of the call recording * Identification of the representative involved * A written explanation of the incident * Appropriate corrective action I would like Bank of America to address this matter promptly and ensure proper handling of customer interactions moving forward.

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 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was a victim of identity theft from one of my employe.. I file a police report, file for identity theft I pressing charges to the person who use my information. Wells fargo after i sumit all this information to my claim they closing my account on the XXXX of XXXX.. Without no information of claim Trying to void the Law under Regulation E Where they need to provide me with the claim credit of {$32000.00}

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 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am filing a complaint regarding a phone interaction with Capital One concerning a debt in collections. On XX/XX/year>, I contacted Capital One by phone to discuss settling an outstanding credit card debt. During this call, the representative, XXXX stated what they claimed was the balance of my personal external checking account. I have never authorized Capital One to access or monitor this external bank account, nor have I provided any permission for them to obtain real-time balance information. I am concerned that this may represent an unauthorized access to my financial information or a deceptive collection practice. This situation caused significant concern regarding my financial privacy and security. I am requesting that Capital One provide a clear explanation of : 1. How they obtained this information 2. Whether they have access to my external bank account data 3. What policies and procedures they follow regarding consumer financial data If this information was obtained improperly and violation of theFair Debt Collection Practices Act. I request that appropriate corrective actions be taken and that my personal financial information is secured. I also request written confirmation that my bank account information has not been accessed without my consent. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am disputing a deficiency balance demand of {$2500.00} following the repossession of my XXXX XXXX. The original loan was for approximately {$36000.00}. The vehicle was defective from the day I purchased it from XXXX XXXX. It had immediate issues with the gas tank and cooling fan. The dealer committed fraud by utilizing my financed 'Bumper to Bumper ' service contract to pay for these repairs, which they were legally required to cover under Californias mandatory 30-day implied warranty. I attempted to resolve this with Santander XXXX XXXX, but they refused to help, stating they have no information about the dealer and that I must handle it with the dealership myself. Under the FTC Holder Rule ( 16 C.F.R. 433 ), Santander is legally responsible for the claims and defenses I have against the seller. Despite the car being sold at auction for {$19000.00}, Santander is aggressively pursuing a deficiency. I am a victim of predatory lending and dealer fraud. I request that the remaining balance be waived entirely and the repossession be deleted from my credit report.

Company response to consumer: Closed with explanation
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
State: CA

Complaint narrative:
Capital One issued my funds from a closed account as official checks that are not usable in practice. I can not access a branch and do not have a reliable mailing address. The checks have been refused when presented, leaving my funds effectively inaccessible. I have requested a digital disbursement ( ACH, wire, or transfer to an account in my name ), but the bank has not provided a workable option and is requiring me to wait 1530 days without access to my money while they review whether to accommodate me. This account has been closed since XX/XX/XXXX. This is a failure to provide access to my own funds due to the method of disbursement. I am requesting immediate reissuance in an accessible form.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
On XX/XX/XXXX I accidentally made two payments for my truck. Both payments cleared. I tried to get the payment back but they wouldnt let me. Even though I provided proof of payments. Eventually I told them to keep the payment and apply it to next months they said okay. Now they are saying I have not made a payment for XXXX. I have and I provided a screen shot showing the cleared payment. They say its not enough proof and that I still owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 1. XXXX Date of inquiry : XX/XX/XXXX 2. XXXX Date of inquiry : XX/XX/XXXX 3. XXXX XXXX Date of inquiry : XX/XX/XXXX 4. XXXX XXXX Date of inquiry : XX/XX/XXXX 5. XXXX XXXX Date of inquiry : XX/XX/XXXX 6. XXXX XXXX Date of inquiry : XX/XX/XXXX 7. XXXX XXXX Date of inquiry : XX/XX/XXXX 8. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 10. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 11. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 12. XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 13. XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 14. XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15. XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 16. XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action 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 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
LVNV Funding has failed to provide proper validation of this alleged debt and is reporting incomplete and inaccurate information in violation of FCRA 623 and FDCPA 809. Provide full documentation including original contract, chain of assignment, and payment history, or delete immediately under FCRA 1681i ( a ) ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Unauthorized withdrawals or charges — 
Company: Robert Homfeld Credit Trust
State: NJ

Complaint narrative:
My address was XXXX XXXX XXXX XXXX XXXX XXXX. I want help froze the mortgage

Company response to consumer: Untimely response
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Response to claim denial after repeated attempts contacting them to dispute claims : Youre kidding me right? Its obvious fraud based on repeated cashapp transactions to the same person on the same day, including fraud to my XXXX account, etc. I reported the situation immediately when recognized the day of to report it. This is just bad business practice and a reason to never do business with cashapp again. Please rectify the situation appropriately and within the next few days or Ill have no option other than to report cashapp to the better business bureau and Federal Trade Commission ( FTC ). As well as spreading the message via social outlets to ensure everyone is aware of cashapps lack of support and bad business practice as it involves their consumer and fraud/ scam and consumer protection. Please provide an update within 24hrs to next steps so I can determine next steps on my end. Thanks in advance for you help in the matter and hoping cashapp will redeem itself as a reputable company to do business with. Transaction details attached and last legit transaction from me was in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dear Bank of America Customer Service, I am writing to formally dispute a transaction that was made on my account without my authorization. Claim ID : XXXX Claim Amount : {$120.00} Account/Reference Number : XXXX Name : XXXX XXXX XXXX This charge was associated with an XXXX purchase that I did not authorize. I have already contacted XXXX regarding this matter, and they declined to issue a refund. They advised me to reach out directly to my financial institution to resolve the issue. I am requesting that Bank of America review this t ransaction and assist me in recovering the funds, as this was clearly an unauthorized charge. Please let me know if any additional information or documentation is required from my end to proceed with the investigation. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: MN

Complaint narrative:
Money sent on accident unable to get refund from Cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
I am disputing a debt being reported by Cavalry Portfolio Services. I requested validation of the alleged debt, including a copy of the original signed agreement, a complete account and payment history, and documentation establishing the companys legal ownership of the debt. The company has responded multiple times but has failed to provide the requested documentation. Their responses have consisted of general statements that the account is accurate, without providing any supporting evidence such as a signed agreement or proof of assignment. Despite failing to provide validation, the company continues to report this account to consumer reporting agencies. I have also disputed this account with the credit bureaus and provided copies of my correspondence demonstrating that the company has not validated the debt. I am requesting that the company either provide proper documentation establishing my contractual obligation and their legal ownership of the debt, or cease reporting this account to consumer reporting agencies.

Company response to consumer: Closed with explanation