vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I got a rest XXXX account through Chase Bank on my business account. I called Chase to ask why and how can I remove it? They said they can not tell me why and they can not remove it. XXXX is my main source of income. My whole business runs on XXXX transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: IL

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 XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Reliable Credit Association, Inc.
State: AZ

Complaint narrative:
I have requested ledger with all payments and they have not provider this information. They also call me numerous times a day for payments

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX 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 2026-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: MN

Complaint narrative:
Company : OneMain Financial XXXX : Installment loan Complaint : I am submitting a complaint regarding a paid-off loan with OneMain Financial. My loan was paid in full approximately XXXX weeks ago, and my account reflects a {$0.00} balance and closed status. However, I am unable to access any final loan documents in my online account, including a paid-in-full letter or lien release confirmation. I also received an email instructing me to download my final loan documents or call to request them by mail, but no documents are available in my account. I contacted the branch by phone to request these documents to be sent by mail and was told that no documents needed to be mailed. I attempted to contact the branch by phone, XX/XX/XXXX, but I am requesting written documentation for my records. The company has refused to provide this information in writing via email or mail and continues to direct me to call. I then submitted a written request by email asking for confirmation of payoff, lien release status, and title status. The branch responded that they are not able to discuss this topic by email and instructed me to call or visit in person. This has created a situation where I am unable to obtain written confirmation or documentation of my paid-off loan, lien release XXXX or title status. I am requesting : A paid-in-full letter confirming the loan has been satisfied Confirmation that the lien has been released XXXX including the date Whether the lien release was sent electronically to the state of Minnesota or mailed The current status of my vehicle title and instructions to obtain a clear title I am requesting written documentation for my records and to complete my vehicle title process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: Benht: Economic Development Corporation
State: CA

Complaint narrative:
They are charging me 544 % interest for a XXXX dollar loan. Pay off is 16 months at {$380.00} per month!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: VYSTAR CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/year>, I contacted XXXX XXXX XXXX and asked to speak to someone in sales. The agent who answered the phone said someone from the car sales department will contact me to inquire about purchasing a vehicle. Shortly after, I was contacted by individuals who represented themselves as employees of XXXX XXXX XXXX. A salesperson named XXXX XXXX contacted me and asked about the type of vehicle I was interested in purchasing. He emailed a vehicle and told me the down payment and monthly terms, which I agreed. I also spoke to his XXXX, whose name is XXXX XXXX. They provided vehicle details and requested a {$1500.00} deposit to secure the vehicle. I was instructed to send the payment through a bank draft with the bank 's routing number and account number texted to my phone. I told XXXX I did not know how to do bank draft, and he sent me the name, and XXXX XXXX, and phone number so the paperwork could be written up. The name of the XXXX receiving account was XXXX XXXX, who is also superviser, for which I did in the amount of {$1500.00} to the name XXXX XXXX using a phone number provided. After sending the payment, I was told there was an error and was asked to send an additional payment. At that point, I became suspicious and contacted my bank. I later discovered that this was an impersonation scam. The individuals were not legitimate representatives of XXXX XXXX XXXX. A police report has been filed, and the incident is documented as theft by deception. I immediately notified my bank, VyStar Credit Union, and provided all supporting documentation, including the police report, transaction confirmation, and details of the scam. Despite this, my claim was denied on the basis that the transaction was authorized. However, the transaction was authorized under fraudulent pretenses. I was deceived into sending funds to individuals impersonating a legitimate business. I requested that my case be reopened, that a XXXX recall request be submitted, and that the receiving bank be contacted. I also requested recovery of my funds. I was informed that no recovery attempt had been made and my case would not be reopened. I am seeking a full reconsideration of my claim as a fraud case involving impersonation and deception, and I am requesting that all available recovery efforts be pursued.

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 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: IL

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 XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: IL

Complaint narrative:
This company is reporting incorrect amount and past due balance I put down {$1100.00} when I first applied for a loan for the car, I found out later on the XXXX didnt towards the car, but the dealership in fact kept that money when they told me it will go towards the car. After repossession because of income issues. They sold the car for a little under {$2000.00} but its still reporting that I owe the full amount, And has it listed as charge off. Ive asked them to update the account information and give me a full account along with attending XXXX so that I can verify. they refuse to give me this information. Therefore they need to delete this off my account..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: WY

Complaint narrative:
On XXXX & XXXX of XXXX, I took out XXXX loans with affirm. I lost my job before I was able to pay them off so the loans were charged off to a XXXX party debt collector. The debt XXXX name was XXXX XXXX and I managed to finally get my life back together and repay my loans with XXXX capital on XX/XX/XXXX. In XXXX of XXXX I reached out to affirm to update that the loans have been paid off. Affirm has refused to update that the loans are paid off on my account and are insisting that I must go to XXXX XXXX to get assistance. I contacted XXXX XXXX again and I was advised by both the employees and XXXX different managers that once the loan is bought by XXXX XXXX, they no longer work with Affirm and don't update anything on the Affirm portal. XXXX XXXX provided me proof of payment and has removed the XXXX loans off my credit report. On XX/XX/XXXX I contacted affirm again for an update on when my loans were going to get updated, I was getting tossed around to different departments being advised that the issue was going to be resolved if I provided proof the loans were paid off. I also emailed the XXXX @ affirm.com email like I was advised by several agents and I got no response. Fast forward to yesterday when I contacted Affirm XXXX and was given nothing but robo responses, confused agents acting like chickens with their heads cutoff and empty promises about how my issue was of utmost importance and will get resolved. What finally broke the camels back was when a " XXXX XXXX '' who claimed to be a XXXX, contacted me via the messaging platform. Not only did XXXX not read anything that was provided in the initial support message, he gave me a robo response about how the debt needs to be repaid via the third party debt collector and that I need to resolve this issue with them. I explicitly said in the original message that XXXX XXXX won't and will not assistance any further after removing the debt off my report. The only company still reporting this debt is Affirm on the app. I have provided proof of payment several times but Affirm is refusing to comply with marking the loans paid off which is also hindering my ability to use the app. Everytime I use the app to request a loan, its reporting that I have active loans which I don't have. I've contacted affirm to delete my account as well but Affirm is refusing to delete my accounts as they have the XXXX loans still listed as active and that I owe them in the affirm app even though they were charged off to a third party. I have attached proof of these loans being paid either delete my account or delete the loans off my account so we can continue to do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: SC

Complaint narrative:
Chime is currently preventing me from accessing my funds due to repeated app and website glitches. The system is telling me to check my connection even though my internet is working properly. This is my only bank account and I currently can not access my money for essential expenses such as food, transportation, and bills. This is causing financial hardship and significant stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: IN

Complaint narrative:
I am filing a complaint against Halsted Financial Services , LLC for violating the Fair Debt Collection Practices Act ( FDCPA ) through improper and repeated third-party communications. On or about XX/XX/year>, Halsted Financial Services contacted a third party ( my fianc ) via text message and disclosed detailed information about my alleged debt. This communication identified the creditor ( XXXX XXXX XXXX ), referenced my XXXX XXXX ( XXXX XXXX ) account, and stated that the message was an attempt to collect a debt. An attached document further included my full name, address, and the amount owed. My fianc is not my spouse, attorney, or authorized representative. He has no connection to this account whatsoever. This debt predates my relationship with him, and his contact information should not have been associated with my account under any circumstance. After becoming aware of this, I contacted Halsted Financial Services by phone and explicitly informed them that this individual was not associated with my account and should not be contacted. During that call, I was told that his number was maintained on the account, which is inaccurate, and that it would be removed. The situation was dismissed as an inconvenience, and no meaningful explanation was provided as to how this occurred. Despite being clearly notified that this third party was not authorized, Halsted Financial Services contacted my fianc again via text message with additional debt collection communications. This subsequent message again identified the creditor and stated that it was an attempt to collect a debt. This demonstrates a continued and knowing disregard for federal law, which strictly limits third-party communications and prohibits the disclosure of debt information to unauthorized individuals beyond limited location inquiries. This situation represents an improper and repeated disclosure of my private financial information to a third party and a failure to comply with the FDCPA. I am requesting : - A full explanation of how my fiancs contact information was obtained and associated with my account - Written confirmation that all unauthorized third-party contact information has been permanently removed - XXXX that no further third-party communications will occur - Confirmation that all future communications will comply with federal law - Information on what corrective actions will be taken to prevent similar violations I am preserving all evidence of these communications and expect this matter to be investigated thoroughly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>, I attempted to cancel a scheduled autopay of {$3200.00} to my Capital One credit card account before the processing cutoff. Despite my timely request to cancel, Capital One failed to honor the cancellation. This caused an immediate overdraft at my primary bank XXXX XXXX XXXX XXXX ). I contacted Capital One via phone on the day of the transfer to stop the payment. I was informed the payment was " XXXX '' and could not be stopped digitally, instead suggesting a " XXXX claim '' investigation. This is an unacceptable timeline for the return of the funds that have caused a bank overdraft. I have since contacted Capital One multiple times, including speaking with a supervisor on XX/XX/year>. The supervisor refused to initiate an ACH reversal. So I am invoking my rights under Regulation XXXX ( XXXX XXXX XXXX ) to revoke authorization for this transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, {$6000.00} was ACH Debit from my Chase Checking account ending in XXXX ( OHM ). A few days later I noticed the ACH and contacted Chase. They said that because it was an ACH there was nothing they could do. I contacted them again refusing to accept the first answer and was told to complete a Chase form stating that I did not know who the ACH Debit was and that I did not authorize the transaction. I did this. I do not know who ach debited my account and I did not authorize it. On XX/XX/year>, the {$6000.00} was " adjustment or reversal '' back to my account ending in XXXX. On XX/XX/year>, my account was charged Claim reversal " misc. debit '' for {$6000.00} which overdrew the account and forced a missed payment. I was notified about the missed payment and checked the account. The account was overdrawn so I called Chase about the " Claim reversal Misc. debit '' I was told my claim was denied. I then asked for clarification, ( business name, phone number, account number, agreement, anything that authorized the ach debit ), none of these could be provided or answered. I was then asked by Chase to provide proof that I did not authorize the ACH Debit. I asked how I could provide proof of something I did not do. Chase told me to contact XXXX processing who is not the merchant, but who denied the claim at XXXX. I did and had to leave a message. I was provided no proof that I authorized the ach debit to my account ( a signed agreement, some sort of authorization ), nothing. I was not provided the name of the business or a real contact. I use a bank so that I do not have to go through this and my money is safe. I am very dissatisfied and I feel that I am being told it has been decided and I will have to just live with it. This is not ok... I did not authorize the {$6000.00} Debit ACH from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had a Kohls charge that I could not keep up with due to financial hard times. Trying to find a number to actually talk to someone is ridiculous. Even the credit card department phone number on their website is wrong. After much searching, I did finally get a hold of somebody and was told Capital One took over. I got on a payment plan but did not have any proof or confirmation. I asked them to email me one and they said they couldnt. After three months of being on a payment plan, they stopped. I called yesterday to inquire about it. He said he could not send me a balance and I can not make payments of {$10.00}. He wanted to take my bank card number over the phone with a larger payment. I have no idea if hes legit or not! He barely spoke English. If I am making payments on a debt I would like to see it on paper or an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CT

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with explanation