vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
My vehicle was involved in an accident with my wife driving back in XXXX of XXXX. Since then, I have been dealing with my insurance co ( XXXX ) in determining whether or not it was going to be totaled, I had called and spoke to my loan holder for that vehicle on at least 3 times explaining to them that the vehicle was in an accident in XXXX and it may be totaled but I didnt know for sure but I explained that much and explained that the insurance co had my XXXX and until I knew a solution I am not going to make payments on a potentially totaled vehicle. Somehow they knew enough to find the XXXX and repo it anyway at that point .. The claim was still ongoing until about 1-2 weeks ago, I exhausted all options trying to have it not be totaled, the last of which was the valuation and even tho they gave me a XXXX higher value it was STILL totaled. At this point, XXXX said they spoke to Ally and that I could keep the XXXX with a salvage title since it was still a total. I said ok to that and they said they were cutting a check, I told them I wanted to speak to Ally to make sure this would get me out of repo when I have my insurance co send the check, but at that point I believe they had already sent the check. Which leads us to today, I call Ally to see whats going on with the check and they tell me the XXXX was SOLD. I am pretty sure that repo, as well as selling the XXXX while I have an ongoing claim is not legal. This is why Im reaching out. I never even got to get my belongings from the vehicle. The only way they would have been able to locate the vehicle to begin with would be to contact XXXX so I know they 100 % knew we had an ongoing 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 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
Original creditor XXXX XXXX sold an identity theft account to spring oaks capital who claimed I owed them a debt. The debt was investigated by XXXX XXXX and proven not my account. On XX/XX/year>XXXX a payment was made to spring oaks capital to resolve this account as I was purchasing a home and didnt want this on my credit. I now have proof the account originally was identity theft From XXXX bank. I called spring oaks capital to ask for a reimbursement as they were very rude and said they do not reimburse even if I have proof the account was not belonging to me. Im attaching a letter from XXXX XXXX showing the debt buyer is spring oaks capital and highlighted the area which shows Im not liable for this account. A bank statement circle the amount paid date, and spring oaks capital letter of resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I purchased an item for the amount of {$660.00} back on XX/XX/year>XXXX from XXXX. I returned the item which they send XXXX to pick up the item at my house the item was returned and received by seller. I tracked my return process in the XXXX app where days after showed they tried to refund me but there had been a problem with my refund. I followed up with XXXX and they stated I had to follow up with my bank which is JP Morgan because they were the ones who were not allowing the refund. I followed up with them they opened a dispute for me and temporarily refunded me the exact amount while they investigated. Weeks later I get a later from my bank where they are informing me that they were going to take the funds away based on information they got while doing the investigation. I followed up with them as to why this was happening. They informed me that XXXX stated the item had not been received. I informed them that, that information was not correct and that I had evidence. I provided the evidence to them and they tell me that the evidence provided was not acceptable. Why? Im not sure why because the evidence I have shows the dates where the return was initiated, when it was picked up when it was received and when they attempted to refund me the . Its been a back and forth with both XXXX and Chase for over a year. They dont give me answer and they dont resolve my issue. XXXX tells me its my bank and Chase tells me its XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: FL

Complaint narrative:
Issue : Advertising and marketing / Incentive or bonus not honored Complaint : I opened a Chime checking account in late XX/XX/XXXX through the XXXX XXXX XXXX shutdown offer. I set up direct deposit immediately upon opening the account in XX/XX/XXXX, fulfilling the offer requirement. My first direct deposit arrived on XX/XX/XXXX three days past the deadline due solely to the XXXX XXXX XXXX processing schedule, which is completely outside my control as a beneficiary. Chime is refusing to honor the {$350.00} sign-up incentive despite the fact that I took all required steps on my end within the required timeframe. The delay was caused by SSAs payment processing cycle, not by any failure on my part to meet the offer terms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: VA

Complaint narrative:
I am filing this complaint regarding a disputed XXXX XXXX account that has been referred to Diversified Adjustment Service for collection in the amount of {$490.00}. On XX/XX/year>, I transferred my cable TV, internet, cell phones, and two watch lines to XXXX. XXXX began billing me for both watches that same date, and I will submit proof. XXXX now claims I owe {$490.00}, reportedly for an unpaid device and charges related to the two watch lines. However, XXXX has not provided a clear itemized breakdown separating any valid device balance from disputed service charges. I moved on XX/XX/year> and had my mail forwarded. I received only one XXXX letter before the account was sent to collections. After receiving the bill, I called XXXX multiple times. XXXX representatives told me they could not see my account and stated that the issue was XXXX fault. I then called XXXX multiple times, and XXXX stated XXXX was responsible because XXXX continued charging me after the watches were ported. I dispute any XXXX watch service charges after XX/XX/year> because XXXX began billing me for both watches on that date. I did not knowingly receive or use XXXX XXXX XXXX after the transfer. XXXX also previously indicated my account was settled and sent me a {$75.00} overpayment gift card, which does not work. This is concerning because XXXX issued an overpayment gift card while also claiming I owe {$490.00} and allowing the account to be sent to collections. I am requesting CFPB assistance because I have been unable to resolve this directly with XXXX or XXXX, and I do not believe I should be placed in collections for unitemized and disputed duplicate service charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Marlette Funding, LLC
State: NY

Complaint narrative:
I took out a personal loan with XXXX XXXX. I first made a payment with XXXX XXXX. Then afterwards I realized the payment went to the wrong account that is completely empty so I called XXXX XXXX and told them to please reverse the money so I can redo the payment again XXXX XXXX reverse the money and I made another new payment on XX/XX/XXXX and the money was taken out on XX/XX/XXXX I have the proof that payment was taken out of the account {$2000.00} ever since they keep saying no I didn't make the payment even i have the proof now XXXX XXXX is not updating my account and is trying to charge me twice

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
I was a victim of a rental scam on XX/XX/year>. I was provided a XXXX barcode by the scammer ( landlord ) on to pay my initial deposit on XX/XX/XXXX using my daughters CashApp card. Then on XX/XX/XXXX I was provided another XXXX barcode to and paid {$1100.00} on my CashApp card and {$300.00} cash, totaling {$2400.00}. I filed disputes with CashApp for both transactions and they were both denied. I stated that I was a victim of a rental scam, uploaded all receipts, text messages, the fake approval letter and the fake lease and CashApp will not refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX Attn : Compliance Department RE : Direct Dispute Under FCRA 623 ( a ) ( 8 ) Inaccurate and Inconsistent Reporting To Whom It May Concern : I am submitting this direct dispute pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 8 ), concerning the accuracy and completeness of the account you are furnishing to the consumer reporting agencies. Account : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX ( as reported ) I dispute the accuracy of this account because the information being furnished to XXXX, XXXX, and Equifax is materially inconsistent and incomplete. Inconsistencies Identified 1. Past Due Amount XXXX reports : Balance : {$350.00} Charged off : {$350.00} written off Past due amount : {$170.00} XXXX and Equifax do not appear to report a past-due amount. This inconsistent reporting raises questions concerning the accuracy of the amount owed. 2. Status Reporting The same account is reported differently among the consumer reporting agencies : XXXX : " Account charged off. {$350.00} written off. {$170.00} past due. '' XXXX : " Collection / Charge-Off. '' Equifax : " Charge Off. '' Please explain the basis for these differing statuses and correct any inaccuracies. 3. Available Credit on Equifax Equifax reports : Credit limit : {$3500.00} Balance : {$350.00} Available credit : {$3100.00} A charged-off account should not appear to have available credit as though it remains an active revolving account. Please investigate and correct this reporting if inaccurate. 4. Consumer Statement Regarding Unauthorized Services XXXX includes the following statement : " This account was the result of unauthorized services. '' This statement does not appear to be consistently reflected among all consumer reporting agencies. I request that you investigate the underlying facts supporting this statement and ensure that all information furnished is complete and accurate. Request for Investigation Pursuant to FCRA 623 ( a ) ( 8 ), I request that XXXX : Conduct a reasonable investigation into this account. Review all underlying records and documentation relied upon to furnish this information. Correct any inaccurate, incomplete, or inconsistent information with all consumer reporting agencies. Provide me with copies of the documents, records, contracts, applications, electronic signatures, payment records, and other evidence relied upon in verifying this account. If the information can not be verified with competent evidence, delete the tradeline from all consumer reporting agencies. Please provide the results of your investigation in writing. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One is reporting a fraudulent credit card account XXXX opened XX/XX/year> with a balance of {$720.00} without my knowledge or authorization. I am an XXXX XXXX XXXX XXXX fraud victim. This account is the result of XXXX financial abuse under the Elder Justice Act. I have filed official FTC Identity Theft Report # XXXX. I did not open authorize or benefit from this account in any way. This constitutes XXXX financial fraud which is a federal crime

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
On XXXX XXXX I was in the hotel XXXX in XXXX. Due to billing error my Synchrony Verizon credit card was charged XXXX ( XXXX usd ) instead of XXXX, simply by adding extra '' XXXX '' to the amount. Vendor sent me an email where they clearly admitted their mistake and were gon na try to refund me. However they where not able to do so, for different reasons. We agreed that they will send me a refund of XXXX usd to my banking account, but again, they were not able to do so. I decided to file a dispute for this transaction thru my Synchrony Verizon credit card. Unfortunately my claim was denied twice. First, because according to Synchrony, vendor already refunded XXXX usd, second time, they claimed that there was no billing error. I have provided billing statement from my bank, where I do have a checking account, and where the XXXX USD was supposed to be sent. There is no such transaction. I have contacted the vendor as well, but no reasonable solution was provided.

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 monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Date : XX/XX/XXXXXXXX To : LVNV FUNDING LLC XXXX XXXX XXXX XXXX SC XXXX From : XXXX XXXX XXXX of Birth : XX/XX/XXXXXXXX Social Security Number : XXXX Current Address : XXXX XXXXXXXX XXXX XXXXXXXX TX, XXXX Subject : NOTICE OF DISPUTE AND DEMAND FOR REMOVAL VIOLATION OF 15 U.S.C. 1681 To Whom It May Concern, I am writing to formally dispute an inaccurate and unauthorized item currently being reported on my credit file. Upon reviewing my credit report, I noticed a derogatory collection account listed by LVNV FUNDING LLC ( Account No : XXXX ), showing a balance of {$540.00}. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, a consumer reporting agency may only furnish a consumer report under specific, legally permissible purposes. Furthermore, under 15 U.S.C. 1681b, consumer reporting agencies and third-party furnishers are strictly regulated regarding the acquisition and transmission of a consumer 's private financial data. I have never provided written consent, authorization, or permission to LVNV FUNDING LLC to obtain, access, maintain, or furnish my private, personal information to your credit reporting agency. Because LVNV Funding LLC can not produce an original contract or an agreement bearing my signature that explicitly grants them the written consent required to furnish or obtain my personal information, this account is being reported illegally and in direct violation of my privacy rights under federal law. Pursuant to 15 U.S.C. 1681i, you are required to conduct a thorough investigation into this matter. If LVNV Funding LLC can not provide verifiable proof of a signed contract containing my explicit written consent to manage or report my information, you must immediately delete this account from my credit profile. Please delete this collection trade line immediately and send me an updated copy of my credit report reflecting these changes within the legally mandated 30-day timeframe. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I used a XXXX XXXX ATM at a local gas station. The ATM had a communication error and didn't dispense my {$100.00}. I called the number on the ATM which told me there was nothing they could do, I needed to file an XXXX dispute. They did however see the communication error ATM Name : XXXX XXXX owned by XXXX XXXX Transaction Time : XX/XX/XXXX roughly XXXX The ATM did not provide a receipt Bank : Bank card used was XXXX I called XXXX filed the dispute but they are holding the money. This money was important to me and they will not escalate or speed up the process of returning the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My XXXX lacked basic communication. They were often unavailable and did not answer emails. My loan officer dissapeared without explanation. They indicated on disclosures that they had reviewed and briefed me on information within the disclosures which they did not. They provided me with an inaccurate or misleading pre-approval just to evetually say I couldnt even be approved for half the pre-appraisal. They would ask me to provide documents which had already been uploaded into the portal weeks prior. I tried to offer information to my loan officer, which he never recorded or discouraged me to submit which would have resolved the issues encountered during close. We missed closing XXXX or XXXX times. My seller lost their deal buying a new home because of this. They seemed completely unaware of how to interpret XXXX loan requirements and lacked basic knowledge on words like " re-enlist '', " veteran '' and " activate ''. If the loan officer and processor would have done their job correctly we wouldn't have had to scramble at closing and last minute change lenders. They also did not promptly send me a receipt of the home appraisal which can potentially stall my pursuit of a home loan with a new lender. Navy Federal is losing a customer, I'm withdrawing from the bank completely because of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Henley, Lotterhos & Henley, PLLC
State: MS

Complaint narrative:
Received writ of garnishment from company XXXX that sold my debt to a local law firm. The dept was my mothers whose now deceased as of XXXX XXXX. Creditor is XXXX, I was unaware of this debt and knew nothing of it u til XXXX XXXX when the papers were dates and sent to my employer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX For XXXX % of wages and the court document sent was stated XXXX XXXX recovered judgement in XXXX XXXX on XXXX XXXX totaling {$15000.00}. I never was served document, knew of any debt, or court date to attend hearing. No paperwork was mailed and when I talked to the Law Firm on today, XXXX XXXX, XXXX ( case worker ) stated they didnt have the correct address on file and still didnt verify my correct address when I asked for gatnisent papers and paperwork for modified amount to deduct from check instead of the XXXX % that they originally asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
To Whom It May Concern, I am extremely frustrated and concerned by the way this situation has been handled. My savings account was initially flagged for suspicious activity, and since then all of my accountsincluding my savings, checking, and credit card accountshave been closed or restricted without any meaningful resolution. I immediately verified my identity, confirmed my transactions, and complied with every request made by the bank. Despite my full cooperation, I have been left without access to any of my money or available credit. It has now been almost a month, and I still have not received a check for the remaining funds from my closed accounts. During this time, I have effectively been left without a dime to my name. The financial hardship this has caused has been devastating. I have fallen behind onhmm bills, lost job opportunities, and have been unable to manage basic daily expenses. What makes this situation even more frustrating is that I have repeatedly been told to review information online, yet the bank closed all of my accounts and online access. As a result, I can not log in to view statements, messages, notices, or emails that the bank claims have been sent to me. After reviewing prior account statements before losing access, I also noticed numerous duplicate and even triplicate transactions that raise serious concerns and require explanation. I have not been given an adequate opportunity to review or dispute these issues because my account access was removed. I have spent countless hours on the phone attempting to resolve this matter and have received little to no meaningful assistance. At this point, this is no longer a matter of account security. I have done everything that has been asked of me. The issue is the bank 's failure to properly investigate, communicate, and resolve the matter before closing all of my accounts and withholding access to my funds. I am documenting all communications, including phone records showing the number of calls made and the time spent attempting to resolve this matter. I am also consulting with an attorney regarding my legal options and the damages and financial hardship caused by the handling of my accounts. I am requesting an immediate explanation for the closure of all of my accounts, the status of my remaining funds, the delay in issuing my check, and the duplicate and triplicate transactions that appeared on my statements. I also request copies of any notices, communications, or determinations related to these account closures. If this matter can not be resolved promptly and in good faith for reimbursement because i now have 30 days to find a new house and job., I will continue pursuing all available remedies available to me. Sincerely, [ XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation