vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: BELMONT FINANCE LLC
State: TX

Complaint narrative:
" I am filing this complaint against Belmont Finance regarding a retail installment contract for a XXXX XXXX XXXX. This contract was entered into based on fraud in the inducement. Evidence of Fraud ( Text Messages ) : The salesperson explicitly marketed this unit as a floor mop. I have text messages from the salesperson showing the standard vacuum head and explicitly calling it a 'mop. ' This is a material misrepresentation. Using a vacuum as a mop would introduce moisture into the motor, likely causing terminal damage for which I would have been held personally liable for 'misuse. ' Belmont Finance Admission : In an email from Belmont Finance dated [ Insert Date ], the company admitted they have opened a 'merchant complaint ' against the distributor. This proves Belmont is aware of the potential fraud or misconduct. Violation of Federal Law : Despite this admission, Belmont Finance claims they 'have no authority ' to cancel the contract. This directly violates the FTC Holder in Due Course Rule ( 16 C.F.R. 433.2 ). As the holder of this consumer credit contract, Belmont is legally subject to all claims and defenses I have against the seller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
My mortgage servicer paid my homeowners insurance premium without my authorization and without justification, and has since increased my monthly mortgage payment by approximately {$600.00} due to an escrow shortage created by that payment. I have always maintained and paid my homeowners insurance independently, and my mortgage payment historically included principal, interest, and property taxes. I do maintain an escrow account for property taxes, contributing approximately {$170.00} per month as part of my regular mortgage payment. My insurance policy was active and not at risk of lapse at the time the servicer made this payment. I have confirmed with my insurance provider that the premium due date was XX/XX/XXXX, and that my servicer issued payment on or around XX/XX/XXXX, prior to the due date. This confirms there was no risk of lapse or cancellation at the time the payment was made. I have also been informed that the invoice relied upon was an individual customer invoice and not a mortgagee billing statement. I did not receive any prior notice of intent to pay my insurance, nor did I receive any notice of escrow deficiency or notification that my mortgage payment would be increased. When I noticed discrepancies in my account several months later, I proactively paid an additional {$500.00} per month for three months ( approximately {$1500.00} total ) toward escrow in good faith while attempting to address any potential shortage. These payments were made in addition to my regular monthly escrow contributions for property taxes. When I later discovered that my required monthly payment had been increased by approximately {$600.00}, I contacted my servicer and was told that the insurance was paid because it had been sent to them. During that call, the first representative disconnected the call without resolving the issue. I subsequently submitted a formal Notice of Error to the servicer but have not received a response. I have also called the servicer, informing them I would be submitting this complaint if I didnt have a timely response to my notice of errors. The email response I received, stating they had received my complaint said they would respond within 5 days but as of today I have not heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
I dont know whats going on with PayPal they will NOT let me close my account. Its like my account is restricted but I dont know why

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TransferWise Ltd
State: TN

Complaint narrative:
At approximately XXXX on the XXXX XXXX XXXX XXXXXX/XX/XXXX, I attempted to withdraw XXXX XXXX from my WISE euro account. That transaction was canceled, as you can see from the receipt from XXXX XXXX. However, my account was debited for XXXX euro plus charges of XXXX euro for a total of XXXX euro. I only learned of this debit several hours later when I checked my account. As soon as I learned of the error, I contacted WISE. I was told that I had to wait for a certain period of time, seven days if I remember correctly, before I could dispute the transaction. As the initial transaction was denied/canceled, the screen displayed the message please select a different amount, I chose XXXX euro. Another message appeared about accepting the exchange rate or not. I was confused as I was withdrawing money in euro from my euro account. In a panic, I accepted the exchange rate and was debited a criminal amount to access my money. But so be it. That was my mistake. I learned a very expensive lesson. The machine gave me the XXXX euro as you can see from the receipt from XXXX. It even shows the breakdown of denominations. We have gone back and forth about this for many months. I just recently received the documentation from XXXX. This proves conclusively that my account was debited incorrectly for XXXX euro plus charges for a total of XXXX euro.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: MI

Complaint narrative:
NOTICE OF CEASE AND DESIST & DEMAND FOR VALIDATION Date : XX/XX/year> To : The Receivable Management Service Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT. This is a formal notice sent to you pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. I. CEASE AND DESIST ALL CONTACT Pursuant to 15 U.S.C. 1692c, you are hereby commanded to CEASE AND DESIST all communication with me regarding this alleged debt. I do not wish to be contacted by telephone, mail, email, or at my place of employment. XXXX. FORMAL DISPUTE & VALIDATION OF DEBT Under 15 U.S.C. 1692g, I am formally disputing the validity of this alleged debt in its entirety. I demand " XXXX of XXXX, " which must include : XXXX. Proof of Claim : An original " wet-ink '' contract bearing my signature as required by UCC XXXX XXXX XXXX. Chain of Title : Complete proof of the assignment of this debt from the original creditor to your agency to establish standing under XXXX Article XXXX. XXXX. Accounting : A complete ledger of all credits, debits, and interest charges since the accounts inception. XXXX. NOTICE OF CREDIT REPORTING VIOLATIONS Be advised that reporting unverified or inaccurate information to credit bureaus is a violation of 15 U.S.C. 1681s-2 ( b ). If you continue to report this derogatory item without providing the requested validation, I will seek damages for willful non-compliance. Furthermore, pursuant to UCC 3-604, if you can not provide the original instrument or proof of the alleged obligation, the debt is considered XXXX for lack of evidence. IV. WARNING OF LEGAL ACTION If you or any of your agents contact me again after receipt of this notice, other than for the specific purposes allowed under 15 U.S.C. 1692c ( c ) ( 1-3 ), I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the XXXX Attorney General, and I will pursue a private right of action for statutory damages. Govern yourself accordingly. 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 2026-04-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I am disputing {$1200.00} in lease-end charges from Kia Finance America XXXX I returned my leased vehicle in person at a Kia dealership. At the time of return, I specifically asked the store XXXX if there were any issues with the vehicle. I was told there were no visible problems and was instructed to sign the return paperwork, which I did in good faith. I was not present for any later inspection. About couple weeks after returning the vehicle, I received a bill for {$1200.00}, including {$420.00} for minor bumper damage and additional charges for tires. Key points : * The vehicle was returned XXXX XXXX ( less than XXXX miles on a XXXX lease ), indicating normal use. * I was told at the dealership that no issues were identified at the time of return. * The inspection that generated these charges was conducted after I relinquished possession, without my presence or ability to verify the findings. I was not provided an opportunity to repair any issues. * The bumper issue is minor cosmetic wear and should fall under normal wear and tear. * Charging for XXXX full XXXX XXXX ( {$450.00} ) despite being under mileage is excessive and not proportional to actual wear. I am requesting that these charges be removed or significantly reduced, as they do not reflect normal wear and tear standards and were assessed without my participation.

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 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Mercari, Inc.
State: FL

Complaint narrative:
" I am a seller on Mercari and currently have approximately {$2500.00} in earnings held in my account. I maintain an active and verified XXXX XXXX account with XXXXXXXX XXXX, which is already linked to my Mercari profile. However, because I am currently outside the XXXX, Mercaris XXXX blocks prevent me from accessing the XXXX ' feature. Furthermore, I have XXXX pending transactions where buyers have already rated me, but I am technically unable to complete the return ratings due to these XXXX restrictions. I have contacted Mercari support multiple times, and a supervisor named XXXX explicitly stated that I must physically travel back to the United States to access my funds. This is an unreasonable and unlawful barrier to accessing my private property. I have fulfilled all my obligations as a seller, and Mercari is now withholding my funds without legal justification. I demand that Mercari manually finalize my pending ratings and perform a manual disbursement of my total balance to my linked XXXXXXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: AZ

Complaint narrative:
XXXX TIMELINE OF EVENTS : XXXX XXXX XX/XX/XXXX I obtained a title loan from TitleMax for {$2600.00}, secured against my XXXX XXXX XXXX. TitleMax disbursed {$2600.00} to me. My starting balance was {$2600.00}. XXXX XXXX XX/XX/XXXX I made my first payment of {$310.00} to TitleMax ( Confirmation # XXXX ). TitleMax accepted the payment. I was not provided any breakdown showing how this payment was applied to principal, interest, or fees. Running total paid : {$310.00}. XXXX XXXX XX/XX/XXXX I made my second payment of {$310.00} to TitleMax ( Confirmation # XXXX ). TitleMax accepted the payment. No itemized allocation was provided. Running total paid : {$620.00}. XXXX XXXX XX/XX/XXXX I made my third payment of {$310.00} to TitleMax ( Confirmation # XXXX ). TitleMax accepted the payment. No breakdown provided. Running total paid : {$940.00}. XXXX XXXX XX/XX/XXXX I made my fourth payment of {$310.00} to TitleMax ( Confirmation # XXXX ). TitleMax accepted the payment. No breakdown provided. Running total paid : {$1200.00}. XXXX XXXX XX/XX/XXXX TitleMax assessed my account as past due in the amount of {$640.00}. I was not given an explanation for the increase in my balance. XXXX XXXX XX/XX/XXXX I logged into TitleMax 's online account portal and discovered that my pay-off amount is {$2900.00} which is {$350.00} MORE than the original {$2600.00} XXXX borrowed. Despite paying {$1200.00} ( 48.3 % of the principal ), my balance went XXXX, not down. The portal shows only {$380.00} in available cash against {$640.00} past due a {$250.00} shortfall placing my vehicle at imminent risk of repossession. XXXX XXXX XX/XX/XXXX I sent TitleMax a formal Regulatory Accounting Request Letter demanding a complete itemized breakdown of all charges, fees, and interest applied to my account, with a XXXX response deadline. XXXX XXXX XX/XX/XXXX I filed this CFPB complaint. XXXX XXXX ACTIONS TAKEN BY ME : Made all XXXX payments on time totaling {$1200.00}. Requested a full accounting from TitleMax. Filed this federal complaint. XXXX XXXX ACTIONS TAKEN ( OR NOT TAKEN ) BY TITLEMAX : Accepted all XXXX payments but never provided an itemized breakdown showing how payments were allocated. Allowed my balance to grow {$350.00} beyond the original principal despite {$1200.00} in payments. Never disclosed how a {$2600.00} loan became a {$4200.00} total obligation ( 62.0 % markup ) in XXXX months. TitleMax is a documented repeat CFPB offender {$9.00} XXXX penalty in XXXX for misrepresenting loan costs, {$10.00} XXXX penalty in XXXX for XXXX XXXX XXXX violations against XXXX borrowers. I am a XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS ACCOUNT IS NOT MINE AND HAS BEEN INCORRECTLY PLACED ON MY CREDIT REPORT. I HAVE NEVER INITIATED, HELD, OR PERMITTED THIS ACCOUNT AND HAVE NO INVOLVEMENT WITH IT WHATSOEVER. ITS INCLUSION ON MY REPORT IS ERRONEOUS, DECEPTIVE, AND DOES NOT ACCURATELY REPRESENT MY CREDIT PROFILE. I AM FORMALLY CHALLENGING THIS ENTRY AND REQUEST A COMPREHENSIVE REVIEW AND PROPER AUTHENTICATION. IF YOU ARE UNABLE TO PROVIDE VALID AND COMPLETE EVIDENCE CONNECTING THIS ACCOUNT TO ME, IT MUST BE DELETED FROM MY CREDIT REPORT WITHOUT DELAY.

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 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: MI

Complaint narrative:
NOTICE OF CEASE AND DESIST & DEMAND FOR VALIDATION Date : XX/XX/year> To : XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT. This is a formal notice sent to you pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. I. CEASE AND DESIST ALL CONTACT Pursuant to 15 U.S.C. 1692c, you are hereby commanded to CEASE AND DESIST all communication with me regarding this alleged debt. I do not wish to be contacted by telephone, mail, email, or at my place of employment. II. FORMAL DISPUTE & VALIDATION OF DEBT Under 15 U.S.C. 1692g, I am formally disputing the validity of this alleged debt in its entirety. I demand " Verification of Debt, " which must include : 1. Proof of Claim : An original " wet-ink '' contract bearing my signature as required by UCC 3-308 . 2. Chain of Title : Complete proof of the assignment of this debt from the original creditor to your agency to establish standing under UCC Article 9. 3. Accounting : A complete ledger of all credits, debits, and interest charges since the accounts inception. III. NOTICE OF CREDIT REPORTING VIOLATIONS Be advised that reporting unverified or inaccurate information to credit bureaus is a violation of 15 U.S.C. 1681s-2 ( b ). If you continue to report this derogatory item without providing the requested validation, I will seek damages for willful non-compliance. Furthermore, pursuant to UCC 3-604, if you can not provide the original instrument or proof of the alleged obligation, the debt is considered discharged for lack of evidence. IV. WARNING OF LEGAL ACTION If you or any of your agents contact me again after receipt of this notice, other than for the specific purposes allowed under 15 U.S.C. 1692c ( c ) ( 1-3 ), I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the XXXX Attorney General, and I will pursue a private right of action for statutory damages. Govern yourself accordingly. Sincerely, XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TN

Complaint narrative:
" I am filing this complaint against Chime Financial , Inc. for Unfair, Deceptive, and Abusive Acts or Practices ( UDAAP ). For XXXX years, I have been a loyal customer, yet Chime has implemented a predatory 'MyPay ' algorithm that functions as a high-tech debt trap. In XXXX, XXXX system flagged a standard XXXX month deposit shift as a 'late payment, ' slashing my {$360.00} limit. I spent XXXX hours with support, where agents knowingly lied to me, claiming the issue was a 'Pinwheel disconnection ' and explicitly promising my limit would return to normal the following month. This was a fabrication ; the feature would be disabled if unlinked, and the limit was never restored. Instead, in XXXX, Chime repeated this tactic, setting a due date on a Sunday when they do not process deposits. When my VA benefits ( 70 % XXXX ) hit on XXXXthe first available dayChime again flagged me as 'late ' and stripped another {$100.00} from my limit. In XXXX days, Chimes 'Dark Pattern ' logic and deceptive support staff have cost me {$300.00} in credit access. Chime has even hidden the Pinwheel status in a recent app update to prevent customers from verifying these lies. This financial gaslighting has caused me severe emotional distress and significant financial burden. I am exploring all avenues for legal action to hold Chime accountable for these predatory practices. '' I spent about a hour with chime support on XX/XX/year>. I had a reference number but I misplaced it. I asked chime a.i. bot to pull my reference number since it is documentation as it says it provide but it refused. I asked for it to bring up prior chat logs, it refused. I didn't decide to go forward with the complaint today until as I stated earlier my myPay advance was cut by another {$100.00} after what was told to me before. Also you can look across many reviews and message threads across the internet and see this is a major problem, especially with people on XXXX or VA benefits only as well. It's a loop of deception by slowly bleeding the consumer dry but by bit where they have no choice but to continue borrowing and it seems they most go into action in the short month of XXXX and months later by the time you finally build back up the practice starts again. And as I stated earlier and I want to reiterate. A chime update made it where u can't see the pinwheel feature anymore, and if I was disconnected I would never be able to use my pay. So that was never a issue, just a default response of hopeful deniability. Also I asked multiple times during my phone conversations on XX/XX/XXXX if it was being recorded so there definitely is a log and as I stated a reference that I can't find anywhere.

Company response to consumer: Closed with explanation