vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I am disputing the continued reporting of a Credit Acceptance Corporation auto loan deficiency balance of approximately {$8500.00} following a voluntary vehicle surrender. This information is being reported as accurate despite my dispute and without proper verification of the underlying debt calculation. The credit reporting agencies have failed to ensure that the furnisher has fully substantiated the accuracy and completeness of this account. Specifically, no verified documentation has been provided showing : * Itemized calculation of the alleged deficiency balance * Proof of vehicle sale or auction results * Application of sale proceeds to the loan balance * Complete payment and charge history after surrender * Verification of all fees, interest, and post-surrender adjustments Without this documentation, the accuracy of the reported balance can not be confirmed. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all reported information is accurate and fully verifiable. Continuing to report a disputed and unverified deficiency balance violates this requirement.

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 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I am reporting this complaint concerning Upgrade Inc. XXXX XXXX XXXX Bank, specifically regarding unauthorized withdrawals from my account without clear transaction records. Additionally, there are concerns about the incomplete processing of refunds, even when supported by merchant-provided timestamped transaction proofs and interbank communication logs. In some instances, only a partial amount of the due refund has been credited. Furthermore, phantom transactions may manifest as duplicate entries ( Even when the merchant provides proof of a single charge. ), with funds remaining in a pending status for over 30 days. Upon their eventual removal, my account balance does not reflect the corresponding adjustment, leading to discrepancies. Attempts to resolve these issues directly with the bank have reportedly been met with delaying tactics. It has also been noted that during a review of transactions, the bank acknowledged a discrepancy where the sum of debits subtracted from total credits did not align with the reported account balance. I don't have screenshots of refund communications, including timestamps from the merchant to the bank, available as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I am filing a complaint regarding a loan through Affirm for a purchase that I did not properly receive, yet I am still being held financially responsible. On XX/XX/year>, I placed an order with XXXX using Affirm for a total of approximately {$360.00}. The order included multiple items, including a XXXX XXXX XXXX XXXX priced at {$290.00}. The order was delivered in multiple packages on XX/XX/XXXX and XX/XX/year>. I received some items, including a XXXX and a XXXX XXXX. However, the XXXX XXXX, which was the highest-value item in the order, was not included in any of the packages. I reported the issue to XXXX. They issued refunds for other missing or incorrect items in the order, including a XXXX XXXX ( {$29.00} ) and electronic accessories such as a XXXX XXXX ( {$19.00} ). However, they refused to refund or replace the XXXX XXXX, even though it was never received. I was instructed to visit a XXXX store for assistance, which I did. The store manager contacted customer support, but my request was still denied. I then contacted Affirm and opened a dispute for the missing XXXX XXXX. The dispute was denied, and I am still being held responsible for the balance related to the {$290.00} XXXX XXXX that I never received. I should not be required to pay for an item that was not provided to me. I am requesting that Affirm properly investigate this issue, reconsider the dispute, and remove or adjust the balance associated with the missing XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
Re : Follow-Up Complaint Improper Handling of School Misconduct Discharge Application I am submitting this follow-up complaint regarding my private student loan serviced by MOHELA and owned by XXXX, and specifically the handling of my School Misconduct Discharge application. I previously submitted a detailed School Misconduct Discharge application concerning loans used to attend XXXX XXXX XXXX a for-profit school that has since closed and has been subject to public findings of deceptive recruiting and misrepresentation. My application included a comprehensive narrative describing the schools misconduct, including misrepresentations regarding job placement, transferability of credits, program value, and loan terms, as well as the financial and educational harm I suffered as a result. On XX/XX/year>, I received a denial letter. However, the denial did not provide a meaningful or individualized explanation. Instead, the company cited all possible denial reason codes ( 1 through 7 ), including insufficient misconduct, insufficient evidence, insufficient harm, lack of causation, and timeliness issues. This blanket denial is not a good-faith response and does not address my specific application. It is logically inconsistent to assert every possible deficiency simultaneously, particularly where a detailed narrative and supporting context were provided. The response fails to identify what, if anything, was actually lacking in my submission, and therefore prevents me from meaningfully responding, supplementing, or correcting any perceived deficiencies. Additionally, the use of time-based denial codes ( related to the age of the loan or when I became aware of the misconduct ) is unreasonable given that the nature and impact of the misrepresentations only became clear over time, particularly when I attempted to transfer credits and later became aware of public investigations into the schools practices. Because of this, I believe my application was not properly or fairly reviewed. Requested Resolution : I am requesting that the company : 1. Conduct a good-faith, individualized review of my School Misconduct Discharge application ; 2. Provide a clear and specific explanation identifying any actual deficiencies in my submission ; 3. Reconsider my eligibility for discharge based on the facts presented ; 4. Provide a complete accounting of the basis for any continued denial. This matter involves substantial financial harm, including repayment far exceeding the original principal amount for a program that failed to deliver the promised educational and career outcomes. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Office of Brett M. Borland, P.C.
State: SC

Complaint narrative:
Submitted Complaint XXXX on XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX : On XX/XX/XXXX I emailed the company listed as debt collector to get account number so I can get access to my account and make payments towards the balance. I have been trying for over a year to get ahold of them. I work long hours and lots of days, so email is the main way I'm able to communicate with people. I have never had an issue with anyone else. They want their money and I want to be done with them. I just want to be able to get access to my account and pay towards my balance. However now I am receiving letters from Brett Borland, who says they are now trying to collect this debt. All I want is access to be able to pay payments online, but they make it impossible. They have no way of doing anything except for calling them, which leaves you to speak with rude and aggressive people. I just want another option for ways to pay. I have been trying to make payments on this for the past several years and had issues with getting access online with the first debt collector who sent me something, which was the XXXX XXXX XXXX that I put a complaint with you about in XXXX. Now I'm having issues with XXXX Borland. I just want to be able to make payments online so I can get this debt paid off and get my credit back on track but I can't get anyone to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
American Express has an app that does not work! I relied on the app to tell me my balance which showed for XXXX months a credit. I did not know until I was informed by the credit agencies that my credit score had been decreased.that a balance was owed. After XXXX months they had applied 2 late charges I was unaware of because I go back-and-forth between Washington and Arizona and the mail didnt forward the statements. I relied on the app to tell me what I owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
I am filing this complaint against Solar Servicing LLC as the current servicer of my Mosaic solar loan. The loan was used to finance a XXXX XXXX XXXX XXXX XXXX XXXX installed at my home under a Supply and Installation Agreement dated XX/XX/XXXX. At the time of sale, the XXXX XXXX sales representative ( XXXX XXXX ) repeatedly and explicitly promised that the solar system would completely eliminate my monthly electric bill. This was the primary reason I signed the contract and financed the {$59000.00} system. The system has never eliminated my bill. I continue to receive monthly XXXX XXXX bills. The contract itself contains a written Production Guarantee. My XXXX monitoring data shows the system is now materially under-performing that guarantee : * Most recent 12-month period ( XX/XX/XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) * Adjusted guaranteed production for this period : approximately XXXX kWh Shortfall of more than XXXX kWh. This is a clear breach of the written contract and further demonstrates that the system has never performed as represented. Because the Mosaic loan contains the standard FTC Holder Notice, Solar Servicing LLC is jointly and severally liable for all claims and defenses I have against XXXX XXXX including deceptive sales practices under the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ). Requested Resolution : I demand full rescission and cancellation of the XXXX XXXX contract, complete payoff and cancellation of the Mosaic solar loan, and immediate release of the UCC lien on my property. I also request confirmation in writing that no further payments will be required and that my credit will not be negatively affected by this resolution. I have already sent a formal demand letter to both XXXX XXXX and Solar Servicing LLC on XX/XX/XXXX ( copy attached ). I am willing to resolve this quickly but will proceed to XXXX XXXX in Florida if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc.
State: GA

Complaint narrative:
I am filing a complaint against First Credit Services regarding inaccurate and unverified credit reporting of an alleged debt in the amount of {$300.00}, originally associated with XXXX XXXX. This account, reported as opened on or about XX/XX/XXXX, appears to be related to a health club membership rather than a traditional credit account. However, I have not been provided any documentation supporting the validity of this debt. Specifically, I have not received : A copy of any signed membership agreement or contract Documentation of the terms and conditions, including cancellation policy An itemized breakdown explaining how the balance of {$300.00} was calculated Any payment history or record of charges Additionally, the account reflects a date last active of XX/XX/XXXX, which raises concerns about the accuracy and integrity of the reported information, particularly given the lack of supporting documentation. I previously disputed this account and requested validation ; however, no sufficient documentation has been provided to verify the debt. Despite this, the account continues to be reported. Under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ), information furnished to credit reporting agencies must be accurate and must be reasonably investigated after a dispute. The lack of documentation and continued reporting raises concerns that these requirements have not been met. Due to these issues, I am requesting a full investigation and removal of this account from all credit reporting agencies if it can not be properly validated and reported accurately in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Writing Consumer Financial Protection Bureau Complaint Consumer Information Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX XXXX : XXXX XXXX XXXX XXXX : Chase Bank Complaint Type Checking or savings account Account closure Funds not returned Complaint I am filing this complaint against Chase Bank regarding the closure of my account and the continued withholding of approximately {$7900.00} of my funds. My account was closed approximately 20 months ago due to alleged suspected fraud involving deposited checks. Since that time, Chase Bank has refused to release my funds and has not provided a clear or reasonable resolution. Chase representatives have stated that they are unable to contact the individual ( s ) who issued the checks and have told me that I must locate these individuals myself. This is not reasonable or appropriate. I deposited these checks in good faith for work performed on a XXXX XXXX XXXX, and I do not have ongoing contact information for the individuals involved. It is the responsibility of the banknot the consumerto verify and investigate negotiable instruments through established banking channels. Despite repeated attempts to resolve this matter, Chase Bank has failed to : Provide documentation supporting any determination of fraud Explain why my funds are being held after 20 months Clarify whether the funds have been returned to another party or are still being held Provide copies of the deposited checks upon request To date, I have not been given a valid legal justification for the continued withholding of my funds. Requested Resolution I am requesting that Chase Bank : Immediately release my funds of approximately {$7900.00}, OR Provide a detailed written explanation with supporting documentation showing the legal basis for withholding these funds If the funds have been transferred, I request full disclosure of where they were sent and why. I also request copies of all relevant documents, including images of the deposited checks ( front and back ), and any internal determinations regarding alleged fraud. This matter has been ongoing for 20 months without resolution, which I believe is excessive and unjustified. I am requesting prompt intervention to resolve this issue. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I was acting as a seller on XXXX XXXX when a potential buyer scammed me. The buyer claimed they sent a payment through XXXX but stated that I needed to " upgrade to a business account '' to receive the funds. I received a fraudulent email that appeared to be from XXXX XXXX XXXX me to send {$500.00} to the buyer first to verify the upgrade. Trusting the instructions, I sent {$500.00} from my Chase account via XXXX on XX/XX/XXXX. I soon realized this was a scam and that the email was fake. I contacted Chase immediately to report the fraud, but they denied my claim for a refund.I have also filed a police report regarding this incident ( XXXX XXXX : [ XXXX ] ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My wife and I have been customers of Bank of America ( XXXX Number : XXXX ) for over 50 years since 1976. We have both personal and business accounts. the account. Issue # XXXX I recognize that banks are required to verify identity through more than one method when a customer tries to access an account or make sensitive changes. The rule grew out of federal guidance meant to reduce fraud, protect consumer data, and keep financial institutions from relying on a single vulnerable. Bank of America follows this by pairing a password with a second step such as a text code, an email prompt, or an app based approval. The recovery process for digital access on this platform appears to be malfunctioning and creates an unreasonable barrier for consumers. While the Bank of America site requests sensitive data for verification, it frequently fails to progress or recognize valid inputs. This technical oversight prevents users from managing their personal finances and securing their private investment information effectively. I am not the only person to have this problem : I found using AI While the Bank of America site requests sensitive data for verification, it frequently fails to progress or recognize valid inputs. I have spent days getting access codes ; only to find No matter how many times I enter the authorization code, the bank says : Passcodes : errorWe 're sorry, but we can't complete your request at this time. Please try again later. Issue # XXXX Due to changes in your account status, this account can no longer be used to make payments in Bill Pay. Any scheduled payments and automatic payments set up in Bill Pay that wouldve been paid from this account have been canceled. Please make alternate arrangements to make those payments. I have spent literally many months keeping Bill Pay up to date. The bank did not give a reason for this drastic action. Can you cause the bank to simplify login for an XXXX? And restore my Bill pay?

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 2026-04-20 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:
I am disputing a debt reported by LVNV Funding XXXX Resurgent Capital Services. I requested full debt validation, including documentation of the original creditor, the amount owed, how the balance was calculated, and proof of the companys legal right to collect this debt. I have not received any response or documentation. Despite this, the account continues to be reported on my credit report, which is negatively affecting my credit score. This debt remains disputed, and without proper validation it should not be reported. I request that this account be removed from all credit bureaus if the company can not provide proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: MA

Complaint narrative:
Dear First Progress Synovus XXXX, Acct # XXXX and CFPB, over the weekend I pulled my Credit Report and noticed that there was account I never authorized to be opened in which is in fact collections, that I never had any knowledge of that was opened back in XX/XX/year>2024 in the amount of {$100.00}?, i'm not aware of this, never had a relationship with these parties here. Again, I am filing a complaint regarding this account that appears on my credit report without my knowledge or consent. I have no relationship with the company reporting this debt and was never notified or contracted with the original creditor. I dispute the validity of the alleged debt and formally request an investigation. Under my rights granted by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have demanded full validation of the debt, including : - [ x ] Original Credit Agreement proves the contract I signed - [ x ] Full Itemized Statement shows how the balance was calculated - [ x ] Forward Flow Agreement proves debt was legitimately transferred to collector - [ x ] Chain of Title / Assignment Documents shows proper legal transfer of debt ownership - [ x ] Payment History Records verifies payments made or missed - [ x ] Validation Notice per FDCPA 15 USC 1692g proof they sent me proper notice - [ x ] Notice of Default or Intent to Collect proof of communication as required by law - [ x ] Proof of Statute of Limitations confirms the debt is still legally collectible - [ x ] Credit Reporting Agreement agreement allowing them to report to bureaus - [ x ] Documentation of Dispute Investigations proof they investigated my previous dispute under FCRA 15 USC 1681i If these can not be provided, the debt is unverifiable and must be deleted. Continuing to report an unverified, disputed debt violates FCRA 1681e ( b ), 1681s-2 ( b ) and may result in liability under FCRA 1681n and FDCPA 1692k. Furthermore, I submitted a cease and desist notice under FDCPA 805 ( c ) / 15 U.S. Code 1692c ( c ). Any continued contact without proper validation is considered harassment and a violation of federal law.

Company response to consumer: Closed with explanation