vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I visited my bank branch to ask about a denied claim regarding an ATM transaction where cash was not received on XX/XX/year> of depositing {$3800.00} cash at XXXX. I was trying to get help from the branch where I deposited my money on XXXX XXXX XXXX XXXX, NY,XXXX. During this visit, the branch XXXX XXXX XXXX she was refusing to help and stated that was not her business, she was unprofessional, raised her voice, and refused to provide meaningful assistance, also, she was knocking on the table and throw my id and debit card towards me.She stated that the ATM took the money and transferred it to another bank, but offered no documentation, investigation details, or solution, and dismissed my concerns entirely. Her behavior was hostile and demeaning, and I felt I was treated differently and unfairly. I am a loyal customer of Chase for over XXXX and my families as well! I left the branch without any resolution or explanation for my denied claim. I am requesting that this matter be reviewed, including the handling of my claim and the conduct of the branch XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclays RCI credit card send me a statement for purchase of {$4000.00} dollars and I call customer service and report that I dont have that credit card and I never made that purchase, they said they will investigate the matter. Months go by and on XXXX Im served with court papers civil court in the XXXX that I owe them {$4300.00} dollars. The civil court assist me and answering the lawsuit. Court date is 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 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
Help my rights are being violated, XXXX U.S.C. XXXX ( b ) of the FDCPA requires debt XXXX to cease collection activities and provide proper validation of the debt when requested in writing within XXXX  days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: NY

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 non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PENTAGON FEDERAL CREDIT UNION
State: IN

Complaint narrative:
I called XXXX XXXX XXXX on XX/XX/XXXX to request a lower payment because I was being laid off that week. They instead threatened that I needed to pay more per month, even after paying them for a year and a half. I asked what amount would be necessary to settle. They gave me a number that I did not agree to at any point during the call, and I said I would get back to them once I reviewed their terms via email. In addition to the usual {$200.00} a month I pay them on the XXXX, they then pulled over {$970.00} without any additional warning or explanation during the week of XXXX. This was in violation of the agreement, and I blocked the payment from my bank. I was then assaulted by multiple calls per day, and they even called my father, who has absolutely no connection to the debt.

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 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This is very stressful situation and I fill so violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
I am submitting a new complaint regarding Bridgecrest Auto Finance based on loan servicing conduct that occurred after the closure of my prior CFPB complaint. 

Since the prior complaint was closed, Bridgecrest has contacted me regarding past-due payments and potential repossession. I informed Bridgecrest that I am experiencing financial hardship and requested assistance and written clarification regarding any hardship review, available options, or determinations related to my account. 

Bridgecrest representatives stated that payment amounts and repossession timelines are set in stone and not negotiable, and continued to direct me to call customer service. Despite my request, Bridgecrest has not provided any written confirmation explaining whether my account was reviewed for hardship, what options were considered, or the basis for any determination. Communications have primarily consisted of automated calls, text messages, and payment demands rather than transparent written responses. 

As the servicer of this loan, Bridgecrest is responsible for fair, accurate, and transparent administration of the account. I am concerned that Bridgecrests handling of hardship requests, refusal to provide written determinations, and continued repossession-related communications without documentation may constitute unfair or deceptive servicing practices.

I am requesting that the CFPB review Bridgecrests servicing conduct, communication practices, and handling of hardship-related requests, and require Bridgecrest to provide clear written explanations regarding any determinations made on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: GA

Complaint narrative:
LEAD BANK Are reporting on my credit report that I owe them {$200.00} on an account that does not belong to me. I have contacted them multiple times about their negative reporting to my credit report with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On or about XX/XX/year>, my checking account with JPMorgan Chase Bank , N.A . was closed by the bank without a specific explanation provided to me. At the time of closure, funds remained in the account and were placed on hold. 

Since the closure, the funds have not been returned, and no timeline for release has been provided. I contacted the bank and later reached out to Chases Executive Office in writing to request confirmation of the status of the held funds, the expected method and timeline for disbursement, and whether any additional documentation was required from me. As of the date of this complaint, I have not received a substantive response, and the funds remain unavailable. 

I understand that banks have regulatory and compliance obligations ; however, I am seeking transparency regarding the status of my funds and a clear timeline for their return.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: GA

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 2026-01-12 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: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, 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 non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
Help my rights are being violated, XXXX U.S.C. XXXX ( b ) of the FDCPA requires debt XXXX to cease collection activities and provide proper validation of the debt when requested in writing within XXXX  days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I looked at my statement and noticed i have XXXX different APR amounts. i called and asked them why did they change my APR without my consent. They stated that i was sent a letter which I did not receive so since XXXX  they raised the interest twice without my consent. I take fault in not thoroughly reading my statement cause of course it a paper statement and the APR rates is on the second page. i think this is predatory knowing that most people wont look at the bottom of the second page.

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 2026-01-12 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: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, 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 2026-01-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
On XX/XX/XXXX at about XXXX XXXX  ET someone used my card information to purchase a {$1700.00} ticket through XXXX XXXX. I reported the fraudulent purchase around midnight ( XX/XX/XXXX ) that same night. By then my account had been completely drained and Wells Fargo was pulling money in from my savings account to cover the overdraft. I asked them to reverse the charge so I would have money to pay bills. They said they couldn't do anything until the fraud had been investigated ( a XXXX week waiting period ). They suggested I contact the fraud department on Monday ( XX/XX/XXXX ) to see if they could do anything. 
I contacted them on Monday and they said they can't do anything either because the charge was pending and that even once it was not pending they couldn't really do anything. There was no offer to expedite, no attempt to make the wait easier, no assistance what so ever ; just confirmation that my case had been submitted. I find it hard to believe that with all the money backing Wells Fargo and all the technology that exists I still have to wait XXXX weeks to get my money back. They are incredibly unhelpful and make no effort to have processes in place to improve customer experience when it doesn't benefit their bottom line.

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 2026-01-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a consumer attempting to correct inaccuracies on my Experian credit report. Upon reviewing my report, I noticed hard inquiries that I do not recall authorizing and that appear to have been added without my clear consent. Under the Fair Credit Reporting Act, only inquiries with a valid permissible purpose may be reported. I am requesting that Experian investigate these inquiries and remove any that can not be fully verified. 

INQUIRIES IN DISPUTE : XXXX XXXX XX/XX/year> XXXX BANK XXXX XX/XX/year>

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 2026-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear TransUnion, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges. 
On my credit report, the account listed below is being reported with late payments. However, under XXXX U.S.C. XXXX ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reported Late Payments : XX/XX/year>

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 2026-01-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Branch Messenger, Inc.
State: CO

Complaint narrative:
I am filing a follow-up complaint because Branch responded to my prior complaint without resolving the underlying issue. I still do not have a debit card and can only access funds through delayed transfers that take multiple days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: MN

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 non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: GA

Complaint narrative:
HWARFIELD is falsely reporting on my credit. I have never had any accounts with them. Per my research HWARFIELD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: NM

Complaint narrative:
I received a loan of {$600.00} from Bigpicture loans, unaware of what the legal interest rate was in XXXX XXXX  and unaware of how little was going to go to my principal. I realized my balance was not going down instead it was higher than what I originally borrowed. I did research on the company and found that they were sued for charging above the legal rate of interest allowed on a payday loan in the stated of New Mexico, I looked into my loan and noticed they were still charging 668 % on my loan which is still way over the allowed amount of interest in the state of XXXX XXXX. I contacted the company in regards to this and they stated they understand but they will not do anything about the interest because I already signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westcreek Financial
State: GA

Complaint narrative:
I am submitting this complaint to formally dispute an account that is being reported and/or collected inaccurately and unlawfully. The account in question does not belong to me and is the result of identity theft. 
I did not open, authorize, or benefit from this account, nor did I enter into any contract or agreement related to it. I have no legal obligation for the alleged debt. 
I submitted a written dispute and debt validation request to the creditor/debt collector requesting : Proof of debt validation, including a copy of any original signed contract or application Proof of legal standing and valid assignment/ownership of the account Evidence of a permissible purpose for obtaining and furnishing my consumer report Cessation of collection and credit reporting pending investigation To date, the account continues to be reported and/or collected without providing competent evidence that I am legally responsible for the debt. Generic statements, internal records, or unverified balances do not constitute proper validation.

This reporting violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), including the requirement to report accurate information and to conduct a reasonable investigation once a dispute is received. Continued reporting of this account without validation also constitutes unfair and deceptive practices.

Because this account is the result of identity theft, I am asserting my rights under 15 U.S.C. 1681c-2 and requesting that this account be deleted from all consumer reporting agencies and that all collection activity cease immediately.

I am requesting CFPB assistance to ensure that : The creditor/debt collector provides full legal validation and proof of ownership, or The account is permanently deleted and withdrawn from all credit reporting agencies I am submitting this complaint for permissible purpose verification, assignment/ownership review, and correction of inaccurate credit reporting. 
This complaint is submitted without admission of liability and with full reservation of my rights.

Company response to consumer: Closed with explanation