vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit management has filed a lawsuit against me about a debt i do not owe. Their attorneys are XXXX and XXXX. I was not notified of this with any attempts before hand and I have filed my answer but not received any other notification of this. I was not properly notified of the case and found out because my father is a court clerk. I filed answer asking for proof and have received nothing. I do not owe any debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
On XX/XX/XXXX I mistakenly sent {$980.00} to a Chase checking account that had previously been closed by the bank. After I realized my mistake I called the bank to get my money back since this account had been closed since XX/XX/XXXX. They declined because I had a negative balance on that account before the bank closed it. From my own research they are not allowed to keep that money, for several reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OR

Complaint narrative:
I was first contact through a non-visible phone number about a month ago. They left a message saying they were trying to deliver paperwork for a pending matter under case # XXXX and gave an old address I have not lived at for a while. They claimed they would make only XXXX attempts to deliver the paperwork and those would count as legal services attempts. Told me to call XXXX to arrange a time for the papers to be delivered. I did not call as I know that was a scam. 

A few weeks later I got a call and the person claimed they were collecting a debt for money owed to ACE Cash Express. I did not confirm my name or respond. I simply hung up and blocked the number. I have not done business with ACE in years. If there was an old debt, it was discharged when I filed bankruptcy in XXXX. 

Today, XX/XX/XXXX, I received a text message from # XXXX that said " XXXXXXXX XXXX XXXX XXXX, a debt collector. We need to speak to you regarding your ACE Cash Express account. We want to help! Please call XXXX or visit https : //pay.theforesthillmanagement.com. Reply stop to opt-out '' I have blocked the number and taken a screen shot of the message. Again, this is a scam and I will not be contacting them in any form as I will not confirm that any phone number or email address or name or anything is correct. I have also filed a fraud alert through the BBB. 

This company has a website and is either an elaborate scam or a poorly run business trying to make a buck off of old uncollectible debt with the intent to get a consumer to be worried enough to pay them. I do not appreciate the contact, the misleading information or that my personal information is being used by a company trying to ride the skirt tales of fraud and bankruptcy laws. there are people who will pay on debts they are no longer obligated for, which will open a door they can not close even if it was included in a bankruptcy. These agencies need to be stopped. 

XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: AZ

Complaint narrative:
Zions Debt Holdings showed on my credit report as a collection a few months back for {$640.00}. I reached out to them to find out what it was for and they said it for an alarm system at an old business. I told them, you need to reach out to the business as that isn't my debt, I have no idea what this is. They then told me that it was indeed my debt and it had been personally signed for. At this point I requested the paperwork and they sent me a work order/contract with my name on it, however the signature that was on it was not mine. It was just some scribble on the contract, didn't look like anything I signed. I also told them that I didn't personally guarantee or sign for anything as part of that business. They said, too bad, the only way to get rid of it is to press charges for fraud against whoever signed it. I told them I had no idea who signed it and that it was XXXX years ago, so how would I do that. They told me too bad, then you have to pay it. I filed a dispute with XXXX and Transunion recommended I reach out to CFPB.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: First Equity Mortgage Bankers, Inc.
State: FL

Complaint narrative:
Subject : Formal Complaint XXXX XXXX XXXX, TRID Violations, and Unfair Lending Practices Borrower : XXXX XXXX XXXX XXXX, VA XXXX Applicant To whom it may concern, I am submitting this formal complaint regarding the handling of my VA home loan application by First Equity Mortgage Bankers , Inc. ( FEMBi ).

My loan has been in process for several months and has been repeatedly delayed due to internal actions and inaction by the lender, not because of any failure or non-cooperation on my part. Throughout the process, FEMBi has engaged in conduct that raises serious concerns under VA guidelines, TRID, TILA, and ECOA regulations. 

The most serious issues include : Failure to provide proper validation of the credit report and scoring model used to determine my interest rate and loan pricing, despite multiple formal requests. 

Issuance of multiple inconsistent Closing Cost Estimates with significant unexplained variations in fees and costs. 

Failure to provide a timely Preliminary Closing Disclosure, well beyond TRID regulatory timeframes.

Repeated delays and lack of clear communication that effectively placed my loan in an indefinite freeze. 

A written confirmation from FEMBi stating that my loan was approved and ready to close, followed by complete inaction and failure to proceed to closing. 

Allowing my purchase contract and addendums to expire due to their own delays, while I remained fully available and willing to close. 

Financial and logistical damages, including travel, lodging, and opportunity costs, after being instructed that closing was imminent. 

A pattern of conduct that appears designed to pressure acceptance of unfavorable terms or to allow the transaction to collapse without lender accountability. 

At all times, I acted in good faith, complied with every request, and formally asked for one of two outcomes : Immediate confirmation and scheduling of closing, or Formal cancellation of the loan with full release of liability and refund of my deposit.

Neither was provided.

This conduct represents a failure to meet the standards required for VA-backed loans, where transparency, fair dealing, and veteran protection are mandatory.

I respectfully request : A full regulatory review of FEMBis handling of my VA loan, Determination of violations of TRID, TILA, ECOA, and VA lending guidelines, Enforcement of borrower protections applicable to veterans, Guidance on restitution and corrective action.

All supporting documentation is attached, including emails, confirmations of approval, requests for validation, and formal notices sent to FEMBi.

This is the first time in my XXXX  years that I have been treated in such a discriminatory and dismissive manner by a financial institutionSincerely. 

XXXX XXXX XXXX Veteran VA XXXX XXXX Applicant Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
XX/XX/XXXX I bought a car from XXXX XXXX soul Since buying the car a few days later I tried setting up my online payment account. 
Couldn't access it, called XXXX they had no account information either Kept trying to call and create the account online to no avail FINALLY I gained access XX/XX/XXXX I couldn't make a payment immediately so had to put it off another week I knew I had payments past due but couldn't pay them obviously due to no account access XXXX refuses to help, then sends out a repo truck to repossess my car.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
For Package XXXX ( Tracking # [ XXXX XXXX ), the tracking data on the official XXXX website XXXX states the item was 'Returned to Sender ' and processed through the XXXXXXXX XXXX XXXX  XXXX. Despite the XXXX 's own tracking proving that I never received the goods and that they were sent back to the warehouse, XXXX is refusing a refund. Chime has ignored this physical evidence of non-delivery. 
The carrier ( XXXX ( XXXX ) abandoned the package on a public sidewalk outside the secure building entrance. They did not secure the package or follow the building 's delivery protocols. Therefore, the merchant has failed to complete the delivery to my person or a secure location.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MOHELA
State: UT

Complaint narrative:
Company : MOHELA ( Missouri Higher Education Loan Authority ) Product : Federal Student Loan Servicing Issue Type : Incorrect Credit Reporting / Forbearance Misapplication Complaint Details I am submitting this complaint regarding MOHELAs inaccurate and improper reporting of late payments to the credit bureaus during a period when my student loans were approved for forbearance. 

MOHELA approved my forbearance effective XX/XX/year>. Despite this approval, MOHELA reported XXXX or more late payments to the credit bureaus with a posting date of XX/XX/year>, which occurred after the forbearance was approved. MOHELA has claimed these late payments were for a prior month, however the timing of the reporting contradicts the forbearance approval and is inconsistent with accurate credit reporting standards. 

During an approved forbearance period, no payment is due, and reporting a delinquency under these circumstances is inaccurate and misleading. This appears to be a violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report complete and accurate information and to correct information that is inaccurate or can not be verified. 

I have attempted to resolve this issue directly with MOHELA by phone, but my concerns were not addressed, and no corrective action was taken. I believe MOHELAs automated servicing and reporting practices contributed to this error. Public reporting and government investigations have documented widespread issues with MOHELAs servicing and credit reporting processes, including failures related to forbearance handling and automated systems.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: VA

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am submitting a complaint regarding Chase Banks handling of a credit card dispute related to an airline charge where the service provided was materially different from what was purchased due to a mechanical issue with the aircraft. 

The original itinerary was scheduled to arrive at approximately XXXX XXXX. Due to a mechanical failure, the airline rerouted the trip to include XXXX connecting flights, resulting in arrival at approximately XXXX XXXX  the same day, a delay of roughly XXXX hours. This disruption was not weather-related and was not within my control. 

Although I ultimately arrived at my destination, the transportation provided was not equivalent to the service purchased and constitutes a significant delay and material itinerary change. Chase initially issued a provisional credit, which I reasonably relied upon, but reversed the credit approximately XXXX months later without adequate explanation. 

I believe Chase failed to properly apply the Fair Credit Billing Act and Regulation Z in evaluating a materially altered service and in the timing and handling of the dispute. Mechanical issues are the responsibility of the airline and should not result in financial liability to the consumer. 

I am requesting a senior-level re-review of this dispute and reinstatement of the credit. 

My original dispute to XXXX : This was the worst airline experience of my life and a complete failure of XXXX duty of care. 

I purchased a direct XXXX XXXX flight ( XXXX XXXX  ). On the day of travel, that flight was canceled. XXXX then instructed us to take a XXXX XXXX  alternative, which was also later canceled, leaving us stranded with no viable XXXXprovided option. 

With no assistance, no timely rebooking, and no clear path home, we were forced out of pure desperation, to book a separate XXXX XXXX  connecting flight through Georgia ourselves, arriving at XXXX XXXX, more than XXXX hours late and having to call out of work for the next day. 

This was not a weather delay or a minor schedule change. XXXX failed to transport us on the service purchased and failed to provide a workable alternative. 

Compounding this, when we called XXXX the day of travel, we were explicitly told we would receive both a refund and flight credit due to the cancellations. Relying on that assurance, we made decisions under pressure. That representation was later contradicted, which constitutes material misrepresentation, a basis on which similar DOT complaints are routinely resolved in favor of the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/XXXX, my phone was compromised and someone made a purchase using Chime app. I did not give authorization. I dont know who had my phone or any of those things I contacted chime to let them know. They gave me a simple message. No error found dispute closed and I didnt charge this. I didnt make any purchases using chime actually Ive never use chime at all, I just got notifications from my bank that this was done contacted Chime. They refused to reverse it and gave me a bogus answer. No error is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX ( XXXX ) regarding misleading billing and unfair collection practices. On XX/XX/XXXX, I visited a XXXX  retail store to return my equipment and close my account. The representative explicitly confirmed a {$0.00} balance. 

Despite this, XXXX referred an invalid {$79.00} debt to collections ( Harris & Harris, File # XXXX ). This is the second attempt to collect this disputed amount ( previous File # XXXX ). I previously contacted XXXX 's billing department to protest this error, explaining the retail staff 's confirmation of a XXXX balance, but XXXX failed to correct the record. 

To protect my high credit score from immediate damage, I have paid the {$79.00} under protest to Harris & Harris on XX/XX/XXXX ( Transaction ID : XXXX ). I formally disputed this with the collector on the same day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: AE

Complaint narrative:
This account is being illegally re-aged. The collection agencies XXXX XXXX XXXX and Credence Resource Management are alternating reporting the same account in order to extend its presence on my credit report beyond delinquency date. This violates the Fair Credit Reporting Act. The amount is XXXX, they continue to destroy my credit and call me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Oliphant United, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding an improperly assessed deferred interest charge on my XXXXXXXX XXXX account, administered by Comenity Bank/Bread Financial . 

* * Purchase and Financing Details XXXX XXXX XXXX XXXX XXXX  Merchant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Provider : XXXX XXXX Comenity Bank / Bread Financial XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Purchase Date : XXXX XXXX XXXX XXXX XXXX XXXX Delivery Date : XXXX XXXX XXXX XXXX XXXX XXXX Promotional Term Represented : * * Two ( 2 ) years from delivery date with no interest * * * Promotional End Date as Represented : XXXX XXXX XXXX XXXX XXXX XXXX Deferred Interest Charged : XXXX XXXX {$7600.00} XXXX XXXX XXXX  Remaining Balance at Time of Charge : * * Approximately {$5000.00} XXXX XXXX XXXX Date Interest Was Assessed : XXXX XXXX XXXX XXXX XXXX Issue Description * * At the time of purchase, I was explicitly informed that I would have XXXX years from the delivery date ( XX/XX/XXXXXXXX  ) to pay the full balance without incurring interest. Based on that representation, my understanding was that interest would not apply unless the balance was not paid in full by XX/XX/XXXX. 

I relied on this representation and documented the payoff deadline in my personal calendar to ensure the account would be paid in full prior to the stated date. 

Despite this, on XX/XX/XXXX, Comenity Bank assessed {$7600.00} in deferred interest to my account while a balance of approximately {$5000.00} remained. This interest charge was applied more than one month before the represented promotional end date and while I was still within the timeframe I was told would be interest-free. 

* * Actions I Have Taken * * * I contacted Comenity Bank/Bread Financial to dispute the interest charge and request an explanation. They keep telling me " unfortunately there nothing that can be done. '' * I contacted XXXX to report that the charge contradicted the financing terms represented to me at the time of purchase. They also told me I'm sorry nothing can be done. 

* * Why I Believe This Is Improper * * This charge appears to result from a misrepresentation of financing terms and inadequate disclosure of deferred interest. I relied in good faith on the information provided to me at the time of purchase, structured my payments accordingly, and intended to pay the balance in full prior to the stated deadline. 

Charging deferred interest prior to the represented payoff date is misleading and inconsistent with fair billing and disclosure practices. 

Why would I allow {$7600.00} in interest to be charged on a {$5000.00} remaining balance. This makes absolutely no sense.

Company response to consumer: Closed with explanation