vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
I am filing this formal complaint against this company because they are unlawfully reporting a negative item on my credit file in violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ). This inaccurate account is hindering me from purchasing a home for my family. The debt collector has failed to Provide Written Notice. Per the FDCPA, a debt collector must provide written notice of the debt within 5 days of the initial communication, including the amount of the debt and my right to dispute. I never received such notice. This omission is a direct violation of the FDCPA. They have also failed to validate the debt. Lastly, this company lacks authorization and permissible purpose to report this account on my credit report. Under FCRA 604 ( 15 U.S.C. 1681b ), a consumer reporting agency may only furnish a credit report if there is a permissible purpose initiated by the consumer. I never authorized this company to access or furnish information about me. Without my consent or a legitimate business purpose, their reporting is unlawful. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I also have the right to demand a block of information resulting from alleged identity theft. Since I never authorized or entered into any agreement with this collector, I believe this tradeline qualifies as unauthorized. This debt collector is practicing deceptive and abusive collection tactics. The CFPB and FTC have identified debt parking ( placing debts on consumer credit reports without notice ) as an unlawful and abusive practice. I believe this is exactly what has taken place in my case.

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 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: VA

Complaint narrative:
Auto Loan Dispute Unsafe Vehicle and Improper Payment Handling I am filing a complaint regarding my auto loan with Westlake Financial Services and the circumstances surrounding the associated vehicle purchase. Shortly after purchase, the vehicle developed severe overheating issues and was determined by an independent mechanic to be unsafe to operate due to coolant system failure. This occurred within hours of taking possession of the vehicle. In addition to the vehicle condition, I have concerns regarding how the initial payment was handled. At the time of purchase, I was instructed by the dealership to obtain and provide a money order for what was described as my first monthly payment. However, this requirement was not reflected in my retail installment contract, and my first payment was not contractually due at that time. After later learning that this was not the appropriate method for submitting payment, I canceled the money order. Despite this, a payment was subsequently processed or attempted through XXXX XXXX lockbox system on XX/XX/year>, which resulted in a non-sufficient funds ( XXXX ) fee being applied to my account on XX/XX/year>. I did not personally initiate any payment through the lenders system. The transaction appears to have resulted from how the payment was handled following the dealerships instruction. I submitted documentation regarding both the vehicle condition and the transaction concerns on XX/XX/year>, and again on XX/XX/year>. While I have been told the matter is under review, I have not received a final determination. At the same time, I am being required to make payments on a loan tied to a vehicle that is currently unsafe to operate, while also addressing account issues that were not caused by my own actions. I am requesting : A full review of both the vehicle condition at the time of sale and the handling of the transaction Removal of the XXXX fee associated with the XX/XX/year> payment attempt Clarification of how the payment was initiated and by whom A fair resolution, including consideration of unwinding the transaction or reimbursement for necessary repairs I am seeking a timely and fair resolution based on the documented facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I use to have Navient as my loan servicer and it was transferred to XXXX. I was attending XXXX XXXX XXXX at the time of the loans that occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Im sending a Zelle to a person that is not even in my contacts and I dont know how they are I think theyre the baba sister who I was paying and wasnt her

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am writing to formally dispute the alleged debt referenced in your communication from XXXX XXXX XXXX, acting on behalf of Jefferson Capital Systems , LLC, regarding account number XXXX ( XXXX XXXX account ), with an alleged balance of {$310.00}, current creditor Jefferson Capital Systems , LLC, account ending in XXXX, and original creditor XXXX ( XXXX XXXX ), account ending in XXXX. XXXX XXXX. This debt is hereby disputed in its entirety. I do not acknowledge any obligation to XXXX, XXXX or Jefferson Capital Systems , LLC, and I demand strict validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), and the Fair Credit Reporting Act ( FCRA ). 1. Failure to Provide Required Validation Deficient Notice Your communication fails to meet the validation requirements mandated under federal law. Specifically, you have not provided : A copy of the original signed agreement or contract bearing my signature A complete and itemized accounting of the alleged balance of {$310.00} Documentation establishing a complete chain of title, including lawful assignment or transfer from XXXX to Jefferson Capital Systems , LLC Proof that XXXX XXXX XXXX is authorized to collect on this specific account Absent these materials, the alleged debt is unverified, disputed, and legally unenforceable. 2. Dispute of Accuracy, Ownership, and Legitimacy Based on available information, the referenced account was properly closed and all obligations were fulfilled. The amount claimed lacks a clear factual and legal basis and is therefore disputed as inaccurate, misleading, and unsupported. XXXX. Notice of Potential Violations ( FDCPA & FCRA ) Be advised that any continued collection activity or reporting of this disputed debt without first providing proper validation constitutes potential violations of : FDCPA ( 15 U.S.C. 1692e, 1692f, 1692g ) Prohibiting false, deceptive, or unfair collection practices FCRA ( 15 U.S.C. 1681s-2 ) Prohibiting the furnishing of inaccurate or unverified information Continued noncompliance may result in regulatory enforcement actions and civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BEACON FINANCIAL CORPORATION
State: RI

Complaint narrative:
I am filing a complaint against Beacon Bank regarding their refusal to process a valid debit card dispute. On XXXX XXXX, I made a purchase totaling {$400.00} using my debit card through XXXX XXXX. The transaction was authorized by me ; however, the merchant has failed to deliver the purchased goods. I have provided the bank with order details, tracking information, and evidence that the shipment was never delivered. The listed carrier ( XXXX XXXX ) appears to be fraudulent, and there has been no delivery or response from the merchant. When I contacted Beacon Bank, I was told this situation is not covered under Regulation E and that I must wait 90 days, after which the claim will likely be denied. The bank has refused to properly open and process my dispute as a chargeback for merchandise not received. This is not a claim of unauthorized fraud. This is a dispute for goods that were never received, which should be handled under card network ( Visa/Mastercard ) chargeback rules. I am requesting that Beacon Bank : Open and process a chargeback for merchandise not received Provide provisional credit during the investigation Comply with applicable consumer protection and dispute resolution obligations I am seeking recovery of the full transaction amount of {$400.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: CA

Complaint narrative:
I just received my credit card and I see that I did not receive the terms and conditions which I received online, this is a clear cheating my Capital One, and this is not justified. I should have received 0 % promotion rate as terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I am filing a follow-up complaint regarding my auto loan account with Ally Financial ( related to a previous investigation under CFPB XXXX XXXX XXXXXXXX ). Ally Financial closed the previous complaint by submitting an XXXX document that is internally contradictory and severely violates the Fair Credit Reporting Act ( FCRA ) standard of " Maximum Possible Accuracy '' ( 15 U.S.C. 1681e ( b ) ). In their official response to the CFPB, Ally 's own internal Payment History ( Page XXXX of their document ) shows account " adjustments and extensions, '' yet their Summary of Late Payments ( Page XXXX ) claims XXXX late payments in the XXXX category. Their internal records are completely inconsistent. Furthermore, they have failed to correct the " Factual Impossibility '' of my credit reporting. Ally continues to report this exact same account to XXXX as " Late XXXX Days '' with a past-due amount, while simultaneously reporting it to XXXX and XXXX as XXXX XXXX '' with a {$0.00} past due. The total balances reported also do not match across the XXXX bureaus. It is factually impossible for a single account to be simultaneously " XXXX '' and " XXXX '' in the same month. By providing misleading documents to close the previous complaint without actually fixing the inaccurate data, Ally Financial is violating federal law and severely damaging my creditworthiness.

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 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am submitting this complaint regarding the improper closure of two accounts held by XXXX XXXX with Citibank. On XX/XX/year>, Citibank closed two of XXXX XXXX accounts without prior notice and in error. No valid explanation has been provided for these closures. At the time of closure, both accounts were in good standing : No late or missed payments No fraud, disputes, or chargebacks Responsible and consistent account usage Compliance with all account terms There was no behavior or activity that would justify account closure. Concerns : Accounts were closed without notice or opportunity to respond No clear or valid reason has been communicated The closures appear to be erroneous or the result of improper internal action The action has caused reputational and potential financial harm Impact : Disruption of access to financial accounts Potential negative impact to credit profile Concern regarding future ability to maintain a relationship with Citibank Requested Resolution : 1. Immediate reinstatement of both accounts with full history preserved 2. Written confirmation that the closures were made in error 3. Written confirmation that XXXX XXXX remains a customer in good standing with Citibank 4. Written confirmation that she is eligible to apply for and obtain Citibank credit products in the future 5. Correction of any internal or external records to ensure no adverse reporting or flags remain This situation appears to be the result of an error and requires prompt correction. I request a full review and written response addressing all points above.

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 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: CA

Complaint narrative:
Recieved a notice that my account was closed which i barely use because it was found to be in violation which never was stated so I deleted account and made a new one which the same thing happened again I am unable to utilize these services which shows discrimination without probable cause prohibiting me from accessing or banking for handling my funds causing financial hardship this has become a constant thing since reported before in XX/XX/year> when wallet was stolen filed police report but nothing happened just denied access to banking

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: AMA Advisors, LLC.
State: NY

Complaint narrative:
I am filing this complaint regarding my mortgage loan closing and the fees that were charged. At the time of my loan closing, I was charged {$8200.00} in discount points and approximately {$12000.00} in origination/mortgage fees. These charges were not clearly explained to me, including their purpose, benefit, or that they were optional or negotiable. I was not given a clear opportunity to understand or decline these fees before signing the documents. Additionally, I have limited proficiency in XXXX, and the entire transaction and documentation were conducted primarily in XXXX. I was not provided with a proper explanation in XXXX to ensure that I fully understood the financial impact of these charges. Because of this, I believe I did not provide fully informed consent when agreeing to these fees. I also noticed that certain charges, such as Owners Title Insurance ( listed as optional ), were not clearly explained to me as optional services. As a result, I believe I was charged excessive and inadequately disclosed fees, and I am requesting a full review of this transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/year>, I sent a payment of {$120.00} through Chime to secure a vendor space for an event advertised as the XXXX XXXX XXXX XXXX XXXX scheduled for XX/XX/year>. The event organizer communicated using the name XXXX XXXX and the email XXXX. However, the payment was sent to a different name, XXXX XXXX, through Chime. After sending payment, I did not receive any confirmed event details. The organizer failed to provide a verified venue address, vendor agreement, setup instructions, or any official confirmation of the event. I requested this information multiple times and did not receive clear or valid responses. Due to the lack of event confirmation and the mismatch in identities between the organizer and payment recipient, I believe this transaction involves misrepresentation and possible fraud. I contacted Chime to dispute the transaction as services not rendered they told me to request the funds back from the recipient but requested a reversal because they are not keeping contact with me. Chime has not resolved the issue. I am seeking a full refund and a proper investigation into the recipient account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Failure to provide copies of appraisal reports for appraisals closing and opening a Home Equity Line Of Credit ( HELOC ). Failure to timely provide notice and disclosures for account closure and opening. Breach of Contract for rate adjustments tied to XXXX XXXX. Failure to verify appraisal submission to XXXX XXXX XXXX XXXX Fabrication of untruths to Attorney General of North Carolina. Breach of Contract for application of fees. Failure to provide a financial redress of account data requested by consumer. Failure to act in " Good Faith ''. Failure to act as a professional by not responding to consumer 's requests under federal statutes. My complaints are based on the following : 1. ECOA Valuation Rule Violations ( Reg B, 12 CFR 1002.14 ) : Truist acted in violation of consumer law regarding appraisal requests, specifically regarding the unauthorized closing and subsequent reopening of my HELOC. 2. Material Breach of Contract ( Interest Rates ) : On at least 12 occasions, Truist failed to apply the contracted HELOC interest rate ( Prime + 0.49 % ), causing direct financial harm. Specifically, my experience was characterized by the following : > Misrepresentation of Property Values by Truist Bank by staff providing misleading and obtrusively inaccurate property valuations hindering the refinance process. > Omission of Key Facts : Critical information was withheld, effectively holding my VA IRRRL " hostage '' until the organization 's undisclosed objectives were met. > Direct Financial and Credit Damage : These actions caused immediate financial loss and severely damaged my credit score. It took nearly six months of dedicated effort to repair my credit to its pre-incident state.

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 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlantic Recovery Solutions LLC
State: PA

Complaint narrative:
I received a letter from XXXX XXXX XXXX stating they are collecting a debt from XXXX XXXX XXXX for an account with XXXX. No purchase date, invoice, or explanation of what was purchased. I received the same bill in my email and they are also calling and texting me a few times a week. I spoke with a rep there and he had no idea what was purchased or received from either company listed on invoice.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am reporting that I have repeatedly notified multiple Chase Bank branches in XXXXXXXX XXXX in person and over the phone about unauthorized ACH activity and continued debit attempts after I revoked authorization. Instead of escalating these issues to the appropriate internal teams or to XXXX as required under the XXXX XXXX XXXX, Chase employees repeatedly respond with statements like weve had so much fraud, but no one is actually escalating or investigating the violations. Despite my repeated reports, Chase has : Not escalated the XXXX violations to the appropriate internal compliance or risk teams. Not reported the originators repeated unauthorized attempts as required under NACHAs unauthorized return thresholds and riskmanagement rules. Sent me to an offshore claims department, which is not the correct or only channel for filing Regulation E disputes. Required me to close and reopen my accounts multiple times, causing significant hardship, disruption, and fees. Misrepresented that the only way to file a claim is through their offshore claims department, which is not accurate under Regulation E. I have made multiple inperson reports at both XXXX Chase branches, and none of these reports resulted in proper escalation, investigation, or compliance action. XXXX has failed to follow : Regulation E ( EFTA ) disputehandling requirements NACHA rules on authorization, revocation, and unauthorized entry thresholds NACHA riskmanagement obligations Internal escalation requirements for repeated unauthorized attempts Chases failure to escalate or investigate has caused me financial harm, account instability, and repeated administrative burden. I am requesting that the CFPB require XXXX to : Properly investigate all unauthorized ACH activity under Regulation E. Escalate the originators repeated unauthorized attempts to the appropriate internal teams and NACHA. Stop routing me to offshore claims departments as the only option. Provide a written explanation of why my inperson and phone reports were not escalated. Reimburse all fees and losses caused by Chases failure to follow NACHA and Regulation E requirements. Confirm corrective action and compliance going forward.

Company response to consumer: Closed with explanation