vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-08 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: WA

Complaint narrative:
I am filing this complaint against JPMorgan Chase for a failure to resolve a billing error as defined by 12 CFR 1026.13 ( a ) ( 3 ) : " Property or services not delivered to the consumer as agreed. '' XXXX. The Procedural Failure : Chases investigation was not " reasonable '' under federal law. The banks final determination ( XX/XX/XXXX ) states that services were " available for use. '' This conclusion is factually impossible. I provided Chase with a written admission from the merchant ( XXXX XXXXXXXX XXXX ) dated XX/XX/XXXX, which states : " We are experiencing operational challenges across the resort ... high seasonal occupancy has impacted our service standards. '' > XXXX. Negligence in Verifying Merchant Credibility : During the investigation, the merchant falsely informed Chase they had " no record of a complaint. '' Despite my providing Chase with the XX/XX/XXXX emailwhich proves the merchant not only had a record but apologized for the failureChase accepted the merchant 's verbal falsehood over my written documentation. By allowing a merchants demonstrably false statement to override documented proof, Chase has failed its duty of " Reasonable Investigation. '' XXXX. Misclassification of the Dispute : Chase is treating this as a " Cancellation Policy '' issue ( {$5500.00} total ). It is not. I am disputing the Service Component of a contract that the merchant admitted they were operationally incapable of fulfilling. My receipt explicitly lists {$1100.00} in " Service Charges '' for amenities the merchant admitted were failing. XXXX. Violation of Good Faith : I have paid the {$2700.00} balance in full to protect my credit and avoid interest. This payment was made " Under Protest. '' I have fulfilled my obligations as a cardmember ; Chase has failed its obligation to protect me from a merchant who admits to a breach of contract but refuses a refund. Desired Resolution : I request an Executive Office review of the XX/XX/XXXX admission of fault. I seek a XXXX XXXX refund ( {$2700.00} ) as the " XXXX XXXX '' contract was only XXXX XXXX fulfilled ( Lodging provided ; Services failed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optio Solutions, LLC
State: MO

Complaint narrative:
I had an early departure from the property due to an unaddressed gas leak. I filed several complaints that were repeatedly closed by management and left for health reasons. XX/XX/XXXX a collection appeared from XXXX XXXX on behalf of the creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Due to unforeseen circumstances and financial hardship that ensued after having to leave my place and my job to relocate to another state to live with someone, I was not able to pursue legal action against this property. XX/XX/XXXX I receive email correspondence from XXXX XXXX offering a settlement opportunity. I responded by phone and requested mail correspondence for a pay to delete agreement. The agency and creditor urged this settlement opportunity is time sensitive so I did agree to pay-to-delete verbally and stated the agreement needs to be sent by mail correspondence. I started paying toward the settlement immediately cashier check on XXXX, XX/XX/XXXX, and XX/XX/XXXX. XX/XX/XXXX I received email correspondence from XXXX XXXX stating your account with XXXX XXXX XXXXXXXX XXXX XXXX is now paid. My credit report still shows this account despite our pay-to-delete agreement so that was breached on their end which effects my ability to secure housing. XX/XX/XXXX another collection appears on my credit report from XXXX XXXX XXXX on behalf of creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX who I just settled my account with through XXXX XXXX. They are attempting to collect more money from XXXX account that I paid off using a different agency. I do not owe this creditor more money after receiving a receipt that states my account with them is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My credit card account was closed by Capital One due to inactivity. The account had a balance of XXXX rewards point, which they have pocketed and are refusing to allow any means to redeem. These rewards points were earned over multiple years of spending on their credit card, and for it to be closed and the points forfeited is a scam that they are running and can not be allowed to get away with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
The agency failed to provide proof of ownership, chain of title, or the original signed contract. Debt remains unverified without payment history or balance breakdown

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
In around XX/XX/XXXX I financed a new XXXX XXXX XXXX with Ally Financial inc.. I believe it was two years latter the car was repossessed because i could no longer make the payments. In XXXX Ally financial sent me 1099 for the XXXX amount of {$1500.00}. I did receive the XXXX 1099 late so I had to do an admendment to my XXXX taxes. I was aware that I would probably be receiving a 1099 for a XXXX amount some time after the car was to be auctioned off. How ever, now moving forward to the XXXX tax season, Ally financial is attempting to file another 1099 for the same car, same account for the XXXX amount of {$7400.00}. I tried to research the Ally financial company to see if I could find an email address so that I can let them know that there must be some kind of mistake and so that there would be some kind of record of my communication with Ally financial but I could not find one so the only way I had to communicate was a phone number that was provided on the 1099s it self and i do have a recording of the conversation. I called the number. I gave them all of my information that they asked for. They did then tell me that the ONLY account that they had for me was the account for the XXXX XXXX XXXX. I explained the situation and my concerns that I previously stated in this report to them, and asked for them to reinstate a XXXX 1099 that has been zeroed out to the IRS and to send me a copy so that I can file it with my XXXX taxes. their response to me was that the account was now closed and there was NOTHING that they could do about it on their end and they advised me to let the IRS know that it was taken care of. but I know that I have to have a zeroed out XXXX 1099 to file to the IRS. I would appreciate any advise or help that I can get from you. I am concerned because i know that CFPB has had issues with Ally Financial in the past according to some research that I have done on line.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was referred to apply for a Quicksilver card by another person. The referrer had received an email regarding a referral bonus where they would get {$250.00} for each person referred, and anyone that applied through their link would receive a {$200.00} bonus after spending {$500.00} within XXXX months. I applied through the referral link that was sent to me and completed the required task, however the referrer received the {$250.00} bonus, however I still did not receive the {$200.00}, and no resolution was made after contacting the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation
State: FL

Complaint narrative:
I have never been associated with this company, I have disputed and it still remains on my credit report. This company has no proof this debt belongs to me and also is hindering me from being able to get lines of credit due to this fraudulent 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 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
XXXX late fee previous cycle. Not authorized and says authorized. Have on auto pay. Before late fee date. As often glitch on their end.As well misinformed on phone Not being able to make payment, as well other payments.Until several failed website attempts and several failed phone attempts receive a reliable customer service. To late fees already applied

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 2026-03-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Personal information incorrect
Company: Possible Financial Inc
State: FL

Complaint narrative:
I hope this letter finds you well. I am writing to formally request your assistance in correcting an inaccurate late payment entry on my credit report filed by Possible Finance. I have always maintained timely payments and have a longstanding relationship with them. Additionally, they have incorrectly recorded my name as XXXX XXXX instead of my full legal name, XXXX XXXX XXXX XXXX. This error is negatively impacting my credit profile as I am currently in negotiations for an important home-related matter for my family. I urge you to assist in promptly removing this inaccurate late payment from all U.S. credit bureaus. Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rozlin Financial Group, Inc.
State: TX

Complaint narrative:
This account balance is inaccurate and is currently being disputed with the company. On XX/XX/year>, I experienced a water overflow in my home and contacted the company at approximately XXXX PM, about one hour after the incident occurred. During the call, I specifically asked whether my homeowners insurance would cover the cost because I did not want the company to come out if I would be responsible for paying the full amount myself. I was assured that insurance would cover the services. At no point during the call or when the technicians arrived was I informed that there would be a {$500.00} fee for what they later described as emergency services. The technicians did not arrive until approximately four hours later. By the time they arrived, we had already extracted the water ourselves, which the technician also acknowledged. The technicians repeatedly attempted to sell additional services, which I declined. I have attached the document they had me sign confirming that I declined these services. The only equipment I requested was one fan and one dehumidifier. I also requested that the equipment be picked up the next day ( XX/XX/year> ). However, it was not picked up until XX/XX/year>. When they returned to retrieve the equipment, they claimed there was still water in the carpet and ceiling and again offered additional services, which I declined. I later had the area independently checked, and their claim that water remained in the carpet and ceiling was not accurate. When I received the bill, I was shocked by the amount, especially because I had never been informed of the {$500.00} emergency service fee. I have attempted to resolve this matter directly with the company. They offered to reduce the bill to {$400.00}, which I still believe is excessive for the limited service that was actually provided. I informed them that I am willing to pay {$200.00} for the equipment use and service provided, but we have been unable to reach an agreement. For these reasons, I am disputing the accuracy of the balance being reported.

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 2026-03-08 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
They call me continuously. They've called me XXXX times since ( Sunday ) XXXX XXXX this morning. And it's only XXXX XXXX! This is XXXX at this point. They call constantly!!!!!

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 2026-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
Okay so I can't pay the debt is not mine someone else opened it using my identity I already said that to aspire I'm not paying a debt that's not MINE. I already explained to them that because of that reason I am very stressed, depressed and ready to start a Civil lawsuit because I'm not paying no money not {$10.00} a month or {$11.00} a month is needed this to be fixed or I'll take action Against ASPIRE is not okay or fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
I bought a XXXXXXXX XXXX XXXXXXXX XXXX at the Nissan dealership in XXXXXXXX XXXX in XXXX requested that my billing statements to be sent to my home in paper copies. Nissan Acceptance Company decided unilaterally, without informing, nor asking me at, to stop mailing me these paper billing statements, being the last received on XX/XX/XXXX for the XXXX cycle. I started calling their customer service around Fall, and I have several times. These calls have been unsuccessful. I have made the same complain with them at each call, and at each, I am being told that they will resume mailing me my paper billing statements, but I have been lied at every single call. Federal Law requires my consent to switch to paperless billing. I have never been asked, nor informed, and least, I would have never given my consent. As of XX/XX/XXXX, the Illinois House voted the XXXX XXXX XXXX prohibiting companies from charging extra fees to consumers who request paper monthly billing statements. The Consumer Fraud and Deceptive Business Practices Act, noted by XXXX The Coyote ensures that I have the accessibility to my billing information. My last phone call with the poorly managed Nissan Motor Acceptance Company, was early XXXX. The not very helpful woman " assured me '' that they were going to resume mailing me my paper billing statements. Again, XXXX lied to me. They only sent me like a paper with what is left from my loan, which I was not even requesting. Nissan Motor Acceptance Company MUST ensure that I have access to my monthly billing statements as I received through XX/XX/XXXX, and I have been asking for months. Nissan Motor Acceptance MUST mail me in paper, every single monthly statement from XX/XX/XXXX through XX/XX/XXXX, and MUST continue monthly, until I finish my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NC

Complaint narrative:
XX/XX/year> : I discovered a collection account reported by XXXX XXXX XXXX XXXXXXXX related to an alleged account with XXXX. I had never previously received any written notice, bill, or communication regarding this debt. After reviewing the account details, I noticed the address and phone number listed are incorrect and do not match my current or previous contact information. Because the contact information is incorrect, I never received the required written notice explaining the debt or my right to dispute it. XX/XX/year> : I am submitting this complaint and requesting full debt validation, including the original billing statements, contract, and payment history from XXXX. If the debt can not be properly verified, I request that the account be removed from my credit report under the Fair Credit Reporting Act. If Jefferson Capital Systems LLC can not provide full documentation proving this debt belongs to me, including the original agreement and billing history from XXXX XXXX XXXX request that this account be immediately removed from all credit reporting agencies. Reporting a debt with incorrect consumer information and without proper validation may violate the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
The XX/XX/XXXX did not inform me that my loans were out of the mandatory forbearance period from the covid era and i needed to start paying them again so they are now in default. I received no phone call, no email and no letter until after my loans were put in default and they were going to start taking my wages. I explained to them that I work overtime when ever I can just to make ends meet in this increasingly expensive economy we were put in. The payment amount they gave me is based off an income with overtime pay that I need just to make sure everything is paid as it is. Their payment requirement is unaffordable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I am a long-time member of USAA and have maintained my account for approximately nine years. My typical use of peer-to-peer payment services such as XXXX XXXX is small and infrequent, generally under {$300.00}. On XXXX/2025XX/XX/year>, I received a phone call that appeared to come from USAAs official phone number through caller ID. The individual on the phone identified himself as a USAA employee and stated that there was suspicious activity on my account. He provided a badge number and instructed me to move money through XXXX XXXX and XXXX in order to secure my account and prevent it from going negative. While I was on the phone with the individual I believed to be a USAA representative, I completed the transfers and confirmed verification texts from the bank as instructed. I relied on the caller ID showing USAAs official number and the representation that I was speaking with a legitimate bank employee. Shortly afterward, I became uncomfortable with the situation and contacted USAA directly through their official number. At that time I was informed that the call had not come from USAA and that I had been the victim of a spoofed impersonation scam. The transfers totaled approximately {$10000.00}. My account did not contain sufficient funds to cover these transfers, yet the transactions were approved and my account was allowed to go significantly negative. These transfers were dramatically inconsistent with my historical account behavior. Despite the circumstances involving impersonation and deception, USAA has denied my fraud claim on the basis that the transactions were authorized. However, my authorization was obtained through impersonation of the bank and material misrepresentation. I am requesting reconsideration of this claim and an explanation of how these anomalous transfers were approved despite insufficient funds and despite being inconsistent with my prior account activity.

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 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: MN

Complaint narrative:
I opened a debit card account with Chime in [ XX/XX/year> ]. My understanding was that I was opening a standard checking account with a debit card. Shortly afterward, I received a card in the mail. Because I had opened a debit account, I reasonably believed the card that arrived was the debit card associated with that account. I activated the card and used it for several transactions, believing it was the debit card tied to my checking account. Later, I discovered that the card sent to me was actually a credit card account that had been opened in my name. I did not knowingly apply for a credit card and did not knowingly authorize a hard credit inquiry. As a result, a hard inquiry was placed on my credit report, which negatively affected my credit score. I was not clearly informed that a credit card was being opened or that my credit would be pulled. Once I became aware of the issue, I contacted Chime and requested that the account be closed. However, the hard credit inquiry still appears on my credit report. I am requesting that the company : XXXX. Remove the unauthorized hard credit inquiry from all credit reporting agencies. XXXX. Ensure that the credit account is fully closed and no longer reported. XXXX. Provide a written explanation and apology for the misleading nature of how this credit account was issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
The vehicle was sold on XXXX XXXX 2022 to XXXX, and the title was transferred to XXXX at the time of sale. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX paid the amount due based on the estimated trade-in balance provided for the vehicle. As a result, any late payments reported after XX/XX/year>2022 should not appear on my credit report, as I was no longer the owner or financially responsible for the vehicle after the date of sale.

Company response to consumer: Closed with explanation