vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
this car was paid off in XXXXXXXX XXXX my XXXX  contract was also canceled In XX/XX/year>. I did not receive my title nor did I receive the balance owed from the termination of the XXXX XXXX I have inaccurate information on my credit file, and the Toyota financial credit statements. I have a contract from Lexus financial that was terminated in XX/XX/year> stating this XXXX XXXX XXXX was paid off and I was owed XXXX due to the XXXX XXXX contract termination due to Payoff. I have not received my payoff of XXXX my account was sold to Toyota financial, and well as I have not received a title nor pay off. I have since been paying a car payment since XX/XX/year>. I am requesting that this account be removed from my credit file due to inaccurate information. I must also receive my title to my XXXX XXXX XXXX as well as my XXXX for the XXXX XXXX I am attaching all information the the less financial company has sent me by email as well as notice from XXXX lexus. I am attaching all documents from XXXX. I would like for this account to be remove from all XXXX credit bureaus and all XXXX parties credit agencies. immediately as well as I receive my car title. My information was sold to Toyota without my permission.. I don't know who is the original lender I have XXXX lexus document. but am paying Toyota financial .. I don't understand why am I making full payments after XXXX has been terminated since XX/XX/year>?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
I received a XXXX gift from my XXXX  in the form of a check for {$1500.00} which I deposited on XX/XX/year>, and Charles Schwab has now been holding for over a week ; moreover, upon inquiring about the status of my check, a spiteful representative issued a flag on my account that has locked me out of it, leaving me in financial hardship, unable to afford food and pay my rent, without access to any of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am a victim of identity theft. Someone applied for a car loan online with Bank of America using my personal information. I tried to dispute the loan with the bank but they keep on denying my claim without any explanation. I've submitted a police report, FTC report, identity theft affidavit and that show that I live in a different city than the loan application. However the bank still denied my claim. I called the bank 's fraud department numerous times and left messages, still no one ever calls back or provided me a contact person who is in charge of this case. I've even asked the bank to go and repossess the vehicle that was purchased. Been a customer with Bank of America for over XXXX  years and not once been notifed of a loan issued. They make it so easy to apply for car loan online without even confirming. Now they won't even give any explanation on denying my fraud claim.

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 2026-01-03 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: TX

Complaint narrative:
Company Name : IQ Data XXXX XXXX XXXX. 
Address : XXXX XXXX XXXX, XXXX, WA XXXX Collector Name : XXXX XXXX The Violations : False Representation : She stated the FDCPA " doesn't work that way '' when the consumer requested written communication only. 
Harassment/Abuse : She used demeaning language, spoke over me XXXX OF THEM. and refused to honor a verbal " inconvenient '' notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: GA

Complaint narrative:
Chase Bank closed my credit card account after failed payment attempts that occurred because Chase failed to update my payment information despite my requests. Chase later offered a conditional payment arrangement, which I declined after they refused to reopen the account. 

During multiple phone calls, I explicitly revoked authorization for any electronic withdrawals and told Chase I would not make further payments and that they should pursue legal action if they believed they were entitled to payment. 

Despite this revocation, Chase initiated electronic withdrawals from my bank account on XXXX separate occasions. The second withdrawal occurred after authorization had been clearly revoked and from a bank account that was locked. 

Chase has refused to reverse these unauthorized electronic fund transfers and has continued to contact me despite my request that all communication cease. I was also denied a meaningful dispute process. 

These actions violate the Electronic Fund Transfer Act ( Regulation XXXX ) and constitute improper collection activity. The stress caused by this situation has been compounded by the recent death of a close friend, during which time Chase continued to withdraw funds without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In early XX/XX/XXXX, I was the victim of an impersonation scam in which an individual falsely represented themselves as Wells Fargo and instructed me to transfer funds to secure my account. Acting under deception and fear, I transferred approximately {$800.00}. I immediately contacted Wells Fargo and a fraud claim was opened on XX/XX/XXXX. 

On XX/XX/XXXX, Wells Fargo issued provisional credit for approximately {$800.00}. I was not informed that the claim was still under extended review, nor was I provided any written notice that the credit was conditional or subject to later reversal. 

From late XX/XX/XXXX through XX/XX/XXXX, I received no calls, emails, letters, or other notifications regarding the status of the claim. On XX/XX/XXXX, Wells Fargo abruptly reversed the provisional credit without warning, causing my account to become approximately negative {$650.00}. 
I was not informed of any extended investigation or pending denial during the more than 30-day period the provisional credit remained on my account. I was not provided prior notice of the denial, a timely written explanation, or documentation supporting the decision at the time the credit was removed. I have since requested written documentation explaining the denial, including the date of determination and evidence relied upon, but have not yet received it.

This reversal caused immediate financial hardship, including overdraft risk and inability to meet basic obligations before my next paycheck. I am disputing the adequacy of Wells Fargos investigation, the lack of timely communication, and the sudden reversal of provisional credit after an extended period without notice. I am requesting review of whether Wells Fargo complied with Regulation E notification and investigation requirements and consideration of appropriate relief.

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 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I am the owner of a small business providing residential heating oil. JPMorgan Chase ( Merchant Services ) is currently withholding over {$40000.00} of my settled funds. This freeze is based on a PO Box address issuean arrangement that was explicitly approved in writing by the bank at the time of account opening. 
1. Written Approval & Deceptive Onboarding : When I opened this account in early XXXX, I specifically asked my initial banker, XXXX XXXX XXXX, if a PO Box was acceptable. XXXX XXXX confirmed in writing via email that it was. Chase approved the account and allowed me to operate for a year based on this written guidance. Freezing {$40000.00} now for a setup the bank sanctioned in writing is a deceptive practice. 
2. Bad Faith Processing : On XX/XX/XXXX, XXXX XXXX ( Relationship Manager ) sent an email regarding account closure. The email went to spam. Chase claims they called me 6 times ; however, as a 24/7 emergency business, my lines are always open, and we have no record of these calls. Despite flagging the account on XX/XX/XXXX, Chase kept my terminal active till now, allowing me to process over {$40000.00} in sales. This 'trapped " my capital as we deliver the oil to the customer the day of charging their credit card. 
3. Staff Misconduct & Stalling : On XX/XX/XXXX, I spent XXXX minutes on a call with a representative named XXXX XXXX that was in a foreign country. He claimed supervisor XXXX XXXX was reviewing the file, then eventually claimed 'technical difficulties ' to avoid the transfer. He promised a 10-minute callback that never happened. A late-evening supervisor eventually stated no action could be taken until Monday. Reference number XXXX 4. Public Safety Emergency : This is XXXX. I am a heating oil provider. By withholding over {$40000.00} of my operating capital over an issue Chase originally approved in writing, the bank is preventing me from purchasing fuel inventory, creating a life-safety risk for my customers in freezing temperatures. The temperatures in XXXX  are below 10 F this week. 
It is the height of hypocrisy that JPMorgan Chasewhose own official return address on my Merchant Services statements is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXis freezing $ XXXX of my operating capital on the grounds that a PO Box is an 'unacceptable " address. Chase is effectively penalizing a small business for using the exact same mailing method the bank uses for its own Merchant Services department. Are they making interest on our funds?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: IL

Complaint narrative:
This company is constantly reporting negative information about me to credit bureaus after they bought a debt that I owed. Now they are harassing me to pay the debt when Im not obligated to pay them, I never signed a contract with this company, nor did I agree to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
This is not my debt. I was a victim of identity XXXX  I have filed a report and this people have not been able to remove this off my credit file. I keep telling them that it is not my debt they dont listen and they just want money I do not owe them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, at approximately XXXXXXXX XXXX, I attempted to withdraw XXXX XXXX  from a XXXX ATM in XXXX. The ATM did not dispense any cash, but my Chase account was charged. The ATM printed a receipt stating that the amount delivered was XXXX. 

I went to a Chase branch with the receipt, where I was told the dispute had to be submitted online. A Chase representative assisted me with the process and only asked for a reference number from the receipt. They confirmed that no further documentation was needed, and Chase issued a provisional credit. 

About four days ago, Chase reversed the credit and marked the dispute as final, stating they attempted to contact me. I never received any calls, messages, or emails. When I contacted Chase, I was told the dispute was denied because I could not provide the ATM receipt. Chase never requested a copy or photo of the receipt while I still had it.

Under Regulation E, ATM disputes should be resolved using ATM settlement and cash balancing records, not solely an ATM receipt. I am requesting reconsideration of this decision and a permanent credit for the funds that were never dispensed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: OH

Complaint narrative:
As my bankruptcy was dismissed because I was injured at work and unable to pay my bankruptcy my bankruptcy closed on XXXX XXXX on XXXX XXXX at XXXX XXXX. They picked up my vehicle without speaking to me in regards to payment payment arrangements to cure the car to put a state order on the car. They did not speak to me in anyway they just picked up my vehicle, which is a violation of repossession law. They unlawfully repossessed my vehicle without speaking with me prior to picking my vehicle up. I actually was making arrangements to make a lump sum payment to them to agreed to pay the car off altogether. They never reached out to me before that day they just came and picked up my vehicle so now we are on our way to court because they have custody of my vehicle unlawfully

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: U.S. BANCORP
State: CA

Complaint narrative:
I am submitting a formal complaint regarding an involuntary airline cancellation that was mishandled by U.S. Bank Travel and resulted in financial harm. 

In XXXX, I redeemed XXXX XXXX XXXX points at XXXX XXXX  per point to purchase XXXX  XXXX flights for my wife and me. The airline subsequently canceled the original flight segments. U.S. Bank XXXX failed to notify me of this cancellation, and I only became aware after contacting XXXX  XXXX directly, who confirmed the segments no longer existed. 

When I contacted U.S. Bank XXXX to resolve this, my points were refunded after the XX/XX/XXXX devaluation, reducing their value from XXXX cpp to XXXX cpp, resulting in a direct loss of {$360.00} in point value, through no fault of my own. The cheapest replacement flight through the travel center is {$1400.00}, creating a total shortfall of {$700.00} compared to my original redemption. 

This detriment was caused by a service and notification failure, and I request executive review. I am seeking resolution through either reinstatement of points at original value, a statement credit of {$700.00}, or manual rebooking at no additional cost.

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 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX I shopped on XXXX marketplace for a used stove range. I paid {$150.00} to the seller via CASH app ( company name Block , Inc ). And right after I paid, the seller stopped answering, and I can not reach him. I filed and report scam to Cash app support immediately and they promised over phone will recover to my account within XXXX  days. However until XXXX I have not received any update from Cash app support. When I reach out again, they keep saying the dispute still in processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am a victim of identity theft and am writing to formally demand the immediate blocking and deletion of fraudulent account ( s ) appearing on my consumer report pursuant to * * 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ) * *.

The account ( s ) listed below were opened or used without my knowledge, authorization, or consent and are the direct result of identity theft.

* * Fraudulent ACCOUNT ( S ) : * * * Creditor Name ( s ) : _Midland Credit Management Inc. , XXXX XXXX XXXX Account Number ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ____________ No Account Number * Date ( s ) Opened/Reported : XX/XX/year> * * ___ XX/XX/year> * * Pursuant to * * 15 U.S.C. 1681c-2 ( a ) * *, I have enclosed a * * valid Identity Theft Report * *, which includes : * My * * FTC Identity Theft Report * * * Government-issued * * photo identification * * * * * Proof of Social Security Number * * * * * Proof of current address * * This documentation fully satisfies the statutory definition of an Identity Theft Report under * * 15 U.S.C. 1681a ( q ) * *. 
* * A police report is NOT required under federal law * *, and any demand for one would be unlawful and noncompliant with the FCRA. 

# # # DEMAND FOR ACTION Under * * 15 U.S.C. 1681c-2 ( a ) ( 2 ) * *, you are legally required to : * * * Block the reporting of the fraudulent account ( s ) * *, and * * * Delete the account ( s ) from my consumer file * * * * No later than FOUR ( 4 ) BUSINESS DAYS * * after receipt of this notice and documentation. 

You are further prohibited from : * Re-reporting the blocked information * Selling, transferring, or furnishing the fraudulent account ( s ) to any third party * Requiring any documentation beyond what is expressly permitted by statute Failure to comply within the statutory timeframe will constitute * * willful noncompliance * * under * * 15 U.S.C. 1681n * * and * * negligent noncompliance * * under * * 15 U.S.C. 1681o * *, exposing your organization to civil liability, damages, attorneys fees, and regulatory complaints. 

Please provide * * written confirmation * * that the fraudulent account ( XXXX ) have been permanently deleted and blocked. 

Sincerely, XXXX XXXX XXXX XXXX [ XXXX ] ( XXXX : XXXX ) Enclosures : * FTC Identity Theft Report * Government-Issued Photo ID * Proof of Social Security Number * Proof of Address

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: MI

Complaint narrative:
This account was inaccurately reported as a collection despite an active payment agreement. In XX/XX/year>, I entered into a payment plan with Jefferson Capital System to pay the balance in full. The agreed payment was {$140.00} withdrawn on the XXXX of each month. 

Jefferson Capital successfully withdrew the first payment, then ceased withdrawals without notice or action on my part. I received written confirmation of the payment plan, including a schedule showing future payments. 

Despite the active agreement and my intent to pay, the account was reported as a collection/charge-off. I then began receiving repeated collection calls. During these calls, the callers often refuse to identify Jefferson Capital System as the company calling and will only provide a first name when asked.

When I contacted Jefferson Capital regarding the credit reporting and calls, I was told no payment plan existed, despite proof that XXXX had been established and the first payment processed. The credit reporting does not accurately reflect the payment agreement or my payment history, and the account was placed into collection due to the creditors failure to continue withdrawals as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
Nature of Complaint : Account permanently limited without clear justification ; funds ( {$130.00} ) inaccessible What Happened : On XX/XX/XXXX, I attempted to make a legitimate purchase on XXXX using the XXXX app while traveling in XXXX XXXX. The transaction was unsuccessful with multiple authorization attempts. 

On XX/XX/XXXX, I discovered my XXXX account had been permanently limited, citing " security reasons '' as the cause. I received no advance warning, no notification of suspicious activity, and no opportunity to verify my identity or explain the transaction before the permanent limitation was imposed. 

Current Situation : Account status : Permanently limited since XX/XX/XXXX Funds held : {$130.00} in XXXX XXXX, currently inaccessible Account history : No disputes, chargebacks, or payment reversals Communication from XXXX : Minimal explanation provided; only cited vague " security reasons '' Actions Taken : I contacted XXXX customer service on XX/XX/XXXX to request clarification and account restoration. Despite providing requested information and explaining that I was traveling internationally at the time of the flagged transaction, XXXX has not lifted the permanent limitation or provided specific reasons for this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Americas Car-Mart, Inc.
State: TN

Complaint narrative:
I got a car from car mart and for one the charging fees to use Visa card. Then my car started acting up and my mechanic is saying that whoever had the car previously put some engine sealant in it just to get it running to sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation