vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
I am filing a complaint regarding an auto loan originated in XXXX  with Exeter Finance that I believe involved unfair and abusive lending practices. I purchased a used XXXX truck XXXX, but my concern is not the vehicle condition it is the financing structure arranged through Exeter. I was placed into a 28 % APR loan with a large amount of negative equity rolled in. The signing process was rushed, and I was not given clear explanations of the true cost of the loan, the longterm financial impact, or the full breakdown of the negative equity being added. 

Since the loan began, I have paid approximately {$28000.00} toward this account, yet my current payoff is still around {$26000.00}. This indicates that almost all of my payments have gone toward interest rather than principal. The structure of this loan is financially harmful and does not appear to have been presented in a transparent or fair manner. 

I am requesting that the CFPB review Exeter Finances lending practices, the loan structure, the disclosures provided at the time of signing, and whether this loan meets the standards of fair and nonabusive lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am filing a complaint regarding a collection account reported by XXXX XXXX with a balance of {$13000.00}. The account dates being reported are completely inaccurate and appear to have been improperly updated, which may be unlawful re-aging. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), furnishers and credit reporting agencies must report information with maximum possible accuracy, and under 15 U.S.C. 1681c, negative accounts must be reported based on the true Date of First Delinquency, not updated dates. Additionally, the balance has increased over time without explanation or itemization, raising further concerns of inaccurate reporting. I am requesting a full investigation and correction or deletion of this account. 
Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: LA

Complaint narrative:
There was a validation letter mailed out on XX/XX/year> to NCB Management. NCB Management received the validation letter on XX/XX/year> stating that they have 30 days to provide proof that I have a signed agreement or contract with them saying that I owe them XXXX, the exact debt amount, documentation of my obligation to pay, the debts chain of ownership, the last payment date, and proof of their license to collect in my state with NCB Management. I did not receive a response regarding the first validation letter so I mailed out another validation letter on XX/XX/XXXX since it was getting close to the 30 days. NCB Management received the second validation letter on XX/XX/year> stating that this shall be deleted from all three credit bureaus and I do not acknowledge this debt as mine since it has gone past the 30 days to request the following information to verify their claim and that this is a violation of the FDCPA and Fair Credit Reporting Act. It has now gone past the 30 days and I have not received a response of the documents that were requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: IL

Complaint narrative:
On XX/XX/year> a fraudulent charge was made on my Synchrony One Pay credit card. The fraudulent charge was to XXXX in the amount of {$99.00} I called multiple times to dispute this charge but have received no information regarding the dispute and the charge is still there even after the new billing cycle.

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 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am filing this complaint regarding an abrupt and extreme creditlimit decrease on my PayPal Credit account ( XXXX Bank ). My credit limit was reduced from {$2800.00} to {$100.00} immediately after I made a full payment of {$2500.00} on XX/XX/year>. I have never had a late payment, never had a returned payment, and my account has always been in good standing. 

On XX/XX/year>, XXXX issued an adverse action notice stating that the limit decrease was based on highest balances compared to credit limit, current utilization, and average utilization. These reasons do not make sense given that the account had just been paid in full and showed a {$0.00} balance. I requested evidence and clarification through the PayPal Credit secure message center, but XXXX only provided generic scripted responses and did not supply the scoring data or specific reasons used to justify the adverse action. 

I also informed XXXX that some of the credit information they relied on was inaccurate or premature, and that disputes were already in progress with the credit bureaus. XXXX did not address this and did not perform a meaningful review of my dispute. 

This appears to be an unfair and deceptive practice, especially because the creditlimit decrease occurred immediately after payoff, without any negative account behavior. XXXX failed to provide a clear, accurate, and specific adverse action explanation as required under the Fair Credit Reporting Act ( FCRA ), and failed to respond adequately to my dispute. 

Requested Resolution : A full manual review of my PayPal Credit account.

Restoration of my original {$2800.00} credit limit or a reasonable limit based on accurate data.

A corrected adverse action notice with the actual, specific reasons used.

Disclosure of the scoring data and credit information XXXX relied upon. 

Confirmation that inaccurate or premature credit data will not be used in future decisions. 

A written response addressing Synchronys failure to meaningfully respond to my dispute. 

I am requesting CFPB assistance to ensure Synchrony complies with its obligations under the FCRA and avoids unfair or deceptive practices.

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 2026-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Oliphant United, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Oliphant Financial regarding inaccurate debt collection and credit reporting. 

This company purchased a XXXX loan account after I made approximately eight months of payments. Despite this, they are reporting and attempting to collect the full original loan balance of {$25000.00} and are identifying themselves as the original creditor, which is inaccurate. 

This incorrect balance is now being reported to credit bureaus and is interfering with my active mortgage approval process. 

I have formally requested debt validation and payment history documentation. The reported balance does not reflect prior payments and appears materially inaccurate. 

I am requesting immediate investigation, correction of the reported balance, and proper creditor identification. If the amount can not be documented and verified, the tradeline should be removed. 

Because this inaccurate reporting is causing imminent financial harm related to a home purchase, I request expedited handling.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Issue with Chase closing my credit card account due to inactivity I called Chase on XXXX XXXX, XXXX upon noticing my Chase Freedom card was closed. The first customer service representitive I spoke to appeared to be from XXXX or in XXXX due to the time I called ( after XXXX ). He could not reinstate my account and attemped to recommend to me that if I wanted an account, I can open a new one at Chase. I did like the response and asked for a supervisor. After waiting over 20 minutes, I was connected to " XXXX '', an " XXXX XXXX ''. She told me they sent out a notice on XXXX XXXX, XXXX about the account. She said it would have said that I, the account holder, would need to contact them within 50 days to keep my account closed. I did not receive this notice or else I would have contacted them prior. She denied me from escalating my issue further by saying her manager does not take phone calls. She also stated she, the " Escalations Supervisor '', was the highest authority over the phone to be reached. I followed up with ways to reach out to someone of higher authority, but was denied. I was given their mailing address, which would most likely be ignored or be met with an automated response. I wanted to document my conversation by asking for her last name. She stated she was not obligated to hand that out ( either in protection of her identity, protect against backlash of wrong doing, or because that might be a fake name being given out so there is no one to be held accountable ). 

Summary - Chase stated they sent out a notice on XXXX XXXX XXXX - My account was closed on XX/XX/year> - I never received a notice through the mail- I called the customer service number on the back of the card on XXXX XXXX, XXXX after noticing my account had been closed- I first spoke to a gentleman, most likely in XXXX, for customer service who could not help and attempted to tell me if I wanted an account to sign up for a new one - The " escalated person '' was XXXX, " Esclations Supervisor '' who told me she could not do anything and that she was the highest authority over the phone - She said she was not obligated to give me her last name ( either to protect herself from being identified or to mask up a fake name in case of wrongdoing or lack of assistance ) - Her manager does not take calls she says- I was provided with their mailing address to send my complaint ( most likely to be ignored or met with an automated response ) In summary, my account was closed after chase said they sent out a notice that I did not receive. They won't reopen my credit card account over the phone and have closed one of my oldest accounts due to inactivity. I could not get higher than a so called " Escalations Supervisor '' over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
bXXXX XXXX XXXX \n\nXXXX XXXX XXXX XXXX \n\nXXXX PA XXXX \n\nXXXX \n\nXXXX \n\nXX/XX/XXXX \n\nXX/XX/XXXX \n\nXX/XX/XXXX \n\nXX/XX/XXXX, PA XX/XX/XXXX \n\nRE: Formal Dispute of Inaccurate Credit Reporting \n\nTo Whom It May Concern, \n\nI am writing to formally dispute inaccurate information appearing on my credit report. \n\nThe account listed below is being reported incorrectly and must be investigated: \n\nCreditor: LVNV Funding LLC \n\nOriginal Creditor: XXXX XXXX XXXX XXXX \n\nAccount Number: XXXX \n\nReported Balance: XXXX \n\nStatus: Collection Account \n\nI dispute this account in its entirety. The information reported is inaccurate and/or incomplete. Pursuant to the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681i, I am requesting that you conduct a reasonable investigation into this matter. \n\nSpecifically, I request verification of: \n\nThe original signed contract bearing my signature. \n\nComplete payment history from the original creditor. \n\nDocumentation showing LVNV Funding LLC has legal assignment of this debt. \n\nProof that the reported balance of XXXX is accurate and includes no unauthorized fees or charges. \n\nIf this account cannot be properly verified, it must be deleted from my credit report. \n\nPlease provide me with written confirmation of your investigation results. \n\nEnclosed are copies of my identification and proof of address to assist with your investigation. \n\nThank you for your prompt attention to this matter. \n\nSincerely, \n\nXXXX XXXX XXXX'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I am submitting this complaint to request review of how my Chase credit card accounts are currently being reported following extraordinary hardship circumstances and a long history of responsible account management. 

I have maintained a relationship with Chase since XXXX and consistently made payments across multiple credit card accounts, including during periods when balances were carried. In late XXXX, I lost my employment due to a company restructuring that was outside of my control. Shortly afterward, in XX/XX/XXXX, my family experienced a sudden and severe personal tragedy when my XXXX son became ill and passed away. These events created significant financial hardship and temporarily increased my credit utilization. 

Despite these circumstances, I continued making efforts to meet my payment obligations and remained engaged with the accounts. The credit card accounts were subsequently closed by the creditor, and the accounts began reporting as past due. The closure of the accounts also removed a substantial amount of available credit, which significantly impacted my credit profile. 

I am not disputing responsibility for the balances. Rather, I am requesting review of the handling and credit reporting associated with these accounts during a documented hardship period. I am seeking assistance identifying a structured repayment or hardship solution that allows the accounts to stabilize and be reported accurately while I work toward recovery. 

My goal is to resolve the situation responsibly, restore accurate reporting where appropriate, and reestablish financial stability following circumstances that were temporary but severe. I am requesting that the company conduct a thorough review and provide guidance toward a resolution that reflects both repayment intent and my longstanding positive history prior to these events.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-17 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: NJ

Complaint narrative:
I am currently in an active billing dispute with Synchrony Bank ( PayPal Credit ) regarding a billing error on my account ending in XXXX. 

On XX/XX/XXXX, a payment for the disputed balance was returned. Synchrony immediately charged 'Returned Payment ' and 'Late ' fees totaling {$70.00}. 

Under the Fair Credit Billing Act ( FCBA ), a creditor is prohibited from collecting late fees or penalties on a disputed amount while the investigation is pending. 

Despite multiple attempts to resolve this : A phone representative verbally confirmed I 'do not have to pay ' the minimum due for XXXX, acknowledging the dispute status. 

On XX/XX/XXXX, XXXX  Messaging support stated they 'do n't have the ability ' to waive fees for PayPal Credit and directed me back to a phone line that consistently disconnects or fails to resolve the issue. 

The system continues to display a {$70.00} balance. 

Synchrony is in violation of the FCBA by maintaining these fees on a disputed balance. I request the immediate removal of the {$70.00} fee balance to correct my account to {$0.00}

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 2026-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
Can I get some assistance for the removal of the Portfolio Recovery account on my credit bureaus, as the agreement is that once I pay the settlement, the account will be removed from my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
Midland credit management is saying I owe them money that I did not agree or sigh anything saying I would pay so they have collection on my reports that do not belong to me I want them removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-02-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Kohls incorrectly reported my account late in XX/XX/year> due to a known flaw in their autopay system. When a customer pays the balance in full, Kohls automatically removes autopay without notifying the customer by email, letter, or alert. I had autopay enabled and did not know it had been turned off. A Kohls representative later admitted this has been a longtime issue affecting many customers. Kohls waived the late fee, which acknowledges the error, but refused to correct the inaccurate late reporting. I spent months disputing this with the credit bureaus, and one Kohls representative was dismissive and blamed me for not knowing about their undisclosed system behavior. I am requesting removal of the late payment and correction of my credit report. 
Kohls has acknowledged the autopay issue, waived the late fee, and admitted this is a known problem, yet they refuse to correct the inaccurate credit reporting. Their system behavior directly caused the late mark, and their refusal to fix it has harmed my credit for years. 

I am requesting CFPB intervention to ensure the inaccurate reporting is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: HI

Complaint narrative:
On XX/XX/year> I attempted to open a Chime spending account via their mobile application. Immediately after entering my name and residential address, I received an automated message stating that I am not able to open an account and that Member Services would not be able to provide any further information or assistance regarding this decision. I have contacted Chime Member Services via email to request a specific reason for the denial and to ask for my legally required Adverse Action Notice. I was told that the representatives do not have access to the reason for denial and can not provide any documentation. Under the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ), financial institutions are required to provide a statement of specific reasons for a denial ( Adverse Action Notice ) if the decision was based in any part on information from a third-party reporting agency or automated verification system. By failing to provide this notice or any path to resolution, Chime is preventing me from verifying the accuracy of the information used to deny me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I have always participated in Chine my pay and Spot me. My account has never been overdrawn by more than my spot me limit. I always got a new lian offer. I pay them off ahead of time to improve my fico score. After 3 liabs in a row there is a 15 day cool off period fir which I waited. I gave always recieced a loan offer even with the above circumstances. 

Chime can not give me a reason why a new offer wasn't made other than it's computer generated. They can only tell me the reasons why it doesn't generate but my circumstances have been the exact same with my account. They seem to be pushing me yo use the credit builder feature which is a prepaid debit card program..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Hello i put in a purchase for an tv it wasnt delivered i was charged XXXX for an delivery along with the total cost for an XXXX from XXXX XXXX i reached out to XXXX  handling my dispute they havent been contacted at all and its been 25+ days business days not all days

Company response to consumer: Closed with monetary relief