vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX - XX/XX/XXXX I entered into a financing arrangement through a retail furniture store after being verbally informed by the sales representative that financing the purchase would allow me to build credit and that I would only pay the original cash price of approximately {$1500.00} for the couch. The sales representative represented the transaction as a standard financing agreement and did not explain that this was a rental-purchase agreement requiring ongoing renewal payments or affirmative action to stop charges or to obtain ownership. 
At no point was I clearly informed that payments would continue indefinitely unless I took additional steps, nor was I advised that failure to exercise an early purchase option would result in charges exceeding the original cash price. I was also not informed that I needed to independently set up, monitor, or terminate the account to prevent continued charges. The sales representative stated or implied that the arrangement would be set up by the store. 
After reviewing my bank statements, I discovered that American First Finance had withdrawn approximately {$2300.00} from my accountsignificantly exceeding the represented purchase price. Upon reviewing the documents afterward, I learned that the agreement was structured as a rental-purchase agreement rather than a traditional financing arrangement, a material distinction that was not disclosed or explained at the point of sale.

I have disputed all charges exceeding the original cash price with my bank, revoked authorization for further debits, and notified American First Finance that I do not consent to continued charges. I am filing this complaint due to deceptive sales practices, material misrepresentation of the nature of the agreement, and ongoing unauthorized charges that exceeded the amount I was told I would pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: WA

Complaint narrative:
I am submitting this complaint regarding Williams & Fudges attempts to collect an alleged tuition-related balance associated with XXXX XXXX XXXX .

I dispute that this balance is owed. I do not believe the charges being asserted were knowingly authorized by me and have raised concerns regarding administrative and billing errors by the original institution that led to the balance being assessed. These concerns are currently under review through a separate complaint submitted directly against the school.

I have requested that Williams & Fudge provide documentation supporting the validity of the alleged debt and proof of their authority to collect. I have also exercised my rights under the Fair Debt Collection Practices Act to restrict communications to written correspondence only. Collection activity in the absence of proper verification and without honoring communication restrictions is concerning.

Williams & Fudge is attempting to collect on an account whose validity and authorization are actively disputed and dependent on the original creditors internal review. Continued collection efforts under these circumstances place inappropriate pressure on a disputed obligation and risk causing further harm.

I am requesting that Williams & Fudge cease collection activity pending full verification and resolution by the original creditor, confirm compliance with written-only communication preferences, and ensure no collection activity continues on a balance that is under formal dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: CA

Complaint narrative:
This is about end of loan situation with Westlake Financial.

Apart from delaying processing the car warranty refund, the company also delayed processing of one of the payments which resulted in acruing interest and delaying paying off, and also charged an insufficient funds fee for a payment with the same payment information they had been previously able to process ( there were sufficient funds in the account ; the company refused to waive the insufficient funds fee ) : Company : Westlake Financial, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX 1 ) Warranty refund applied date : XX/XX/2026 ( on XX/XX/2026 the company still told me they didn't have this information, neither of the refund amount nor when it will be applied, the following is the quote from chat with the representative on XX/XX/2026 ) : " ( XXXX ) XXXX XXXX : upon checking, we have not received your warranty refund. '' The refund only showed on my account on XX/XX/2026, with the XX/XX/2026 application date.

2 ) I made a payment using Westlake Online system on XX/XX/2026 that was rejected on XX/XX/2026 with " insufficient funds fee '' applied on XX/XX/2026 ( it still showed as applied on XX/XX/2026 ). 

XXXX ) On XX/XX/2026 I made a payment that showed the full payoff amount of {$690.00} as of XX/XX/2026. Only to find another balance of {$240.00} the following day on my account ( with the insufficient funds fee on my account ). 

As of now, XX/XX/2026, I paid off this loan in full ( although I was under impression that I paid off my loan as of yesterday, so I don't know if I find new charges, interest or fees on my account tomorrow -- tba ). 

Unfortunately, I see that the company applies fees arbitrarily and does not disclose important information to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I moved out on XXXX after speaking with the office staff alerting them that I want renewing my lease months prior. I was informed to keep them informed which I did. I spoke to an office staff member on several occasions and I was informed to be out before the first of XXXX and to return the keys after I took videos and pictures of the temporary unit and emailed a statement giving them permission to close my account. I asked about my deposit but was never given any info.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
HELLO, I BROWWED MONEY FROM CASH NET USA NOT KNOWING OF THE HIGH INTREST RATE AND THIS NEVER ENDING. I BORROWED XXXX OR XXXX ON XX/XX/year> AND I HAVE PAID THEM XXXX AS OF TODAY AND I STILL OWE XXXX. I TRIED TO CLOSE THE ACCOUNT TO STOP THE INTREST AND THEY WOULDN'T ALLOW IT. I ASKED THAT IT CLOSES AND BE SENT FOR COLLECTIONS AND THEY DIDN'T ALLOW. THEY JUST WANT FEES TO GO HIGHER AND HIGHER. I CAN'T PAY MY RENT OR OTHER BILLS ON TIME FOR THIS DEDUCTION THAT HAPPENS EVERYTIME I GET PAID, TWICE A MONTH. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint against LVNV Funding LLC because they are reporting a charge-off account in the amount of {$1000.00} that I do not recognize, do not agree with, and was never properly notified about. LVNV is a known debt-buyer whose business model is to purchase old, incomplete, and often inaccurate accounts in bulk and attempt to collect and report them without proper documentation. This account reflects that exact pattern.

I never received any written notice, never received validation, and never received any explanation of this alleged debt before it appeared on my credit report. The first notice I received was credit reporting, which is a direct violation of FDCPA 1692g ( a ).

LVNV is reporting a financial obligation as fact while providing no proof that I owe it. No contract. No statements. No payment history. No itemized balance. No proof of ownership. No proof that this account even belongs to me.

After discovering this account, I requested validation. More than 30 days have passed. LVNV provided nothing.

Proper validation requires : Proof the account belongs to me Name and address of the original creditor Signed agreement or proof of responsibility Complete itemized accounting Date of first delinquency Proof of assignment and chain of title Proof of written FDCPA notice Proof of mailing or delivery XXXX compliant reporting fields LVNV has provided none of this.

Yet LVNV continues to report this account as a charge-off, damaging my credit based on an unverified allegation.

This conduct violates : FDCPA 1692g failure to validate FDCPA 1692e false and misleading representation FCRA 607 ( b ) failure to ensure maximum possible accuracy FCRA 611 ( a ) failure to conduct reasonable reinvestigation FCRA 623 ( a ) ( 1 ) ( A ) furnishing information known or should be known to be inaccurate XXXX standards requiring factual, consistent, verifiable reporting LVNV Funding is not a creditor. It is a purchaser of data. And data without proof is not a debt it is an allegation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2026-01-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc.
State: UT

Complaint narrative:
I signed up for the online coding course with XXXX XXXX in XXXX or XXXX of XXXX, and got a loan through Climb Credit for the cost of the course. In XXXX of XXXX, XXXX has closed their business and I am still having to pay for the loan. I have contacted Climb Credit and asked to stop the loan payments, and they said that the only way that they can cancel the loan payments is if they get the info from XXXX themselves about the closing of their business. They gave me an email to try and contact XXXX, but I get a message back saying that the address is not found. I have tried reaching out through the phone numbers that I can find online but they are all disconnected. Climb Credit is still charging me when I no longer have access to the course as outlined in my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
am disputing an inaccurately reported auto repossession account on my Equifax credit report. The account is reported under the furnisher name XXXX XXXX XXXX at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. This business is permanently closed, and the location is now occupied by XXXX XXXX XXXX, a separate and unrelated entity. 
I contacted Equifax by phone and was told they could not remove the account. However, phone representatives can not conduct legal reinvestigations. Equifax is continuing to report this account without verifying that the furnisher is a legally operating entity with authority to report, collect, or repossess.

The furnisher name is inaccurate, the business is no longer operating, and no proof has been provided showing legal ownership of the debt or authority to report. This violates the Fair Credit Reporting Act requirement that information be accurate, complete, and verifiable.

I am requesting that Equifax either provide full verification, including the original signed contract and proof of repossession authority, or delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I opened up a new XXXX  Acct yesterday for the first time in my life ( I am only XXXX old ) and instantly discovered fraudulent activity with my social security number.

Someone opened up a credit card in my name and used a Florida address with Capitol One - A QuickSilver credit card ending in XXXX. This card was opened on XX/XX/XXXX. 
I called Capitol One today ( XX/XX/XXXX ) and notified them of the fraudulent activity and they quickly closed the account. However, I requested a copy of the online application that was submitted to them and they said they couldnt provide that documentation without an affidavit from you first.

I am requesting an affidavit so that I can provide documentation so that I can include it in my police report.

I am also reaching out to notify you of the fraudulent activity using my personal information.

Oddly, Capitol One didnt require any form of ID to open this credit card but I need to provide ID to get the needed documentation for my police report. Insane!

Thank God I opened up an acct to monitor my personal information before any real damage was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: PLAID INC.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding an unfair returned payment fee assessed by XXXX, as well as serious consumer protection concerns related to Plaids account-linking practices and its lack of accessible customer support. 

On XX/XX/year>, I attempted to make a {$530.00} payment on my XXXX credit card using my XXXX XXXX  Checking Account. This account had previously been linked and used successfully for payments.

Unknown to me at the time, the Plaid connection to my XXXX account had been deleted. I did not intentionally remove the connection, nor was I clearly notified that Plaid was required to maintain payment functionality or that deletion would cause the payment to fail. The payment failed despite sufficient funds and a good-faith, timely attempt to pay. 

As a result, XXXX assessed a {$30.00} returned payment fee. When I contacted XXXX, I explained that the failure resulted from a Plaid-related account-linking issue and lack of notice. XXXX refused to refund the fee and stated that the issue was not their responsibility.

What makes this situation particularly troubling is that Plaid provides no customer service telephone number or meaningful real-time support for consumers. As a result : Consumers can not promptly resolve account-link failures ; There is no practical way to confirm or correct Plaid-related issues before financial harm occurs ; and Consumers are penalized for technical failures caused by a third-party service over which they have no control and no access to assistance.

I do not need or want Plaids services. Nevertheless, Plaid is effectively inserted into the payment process without clear disclosure, adequate warning, or consumer consent, while financial institutions rely on Plaid but disclaim responsibility when its systems fail.

I believe this raises serious concerns regarding unfair and unreasonable consumer practices, including the use of third-party intermediaries that impose financial harm on consumers without transparency, accountability, or accessible support.

I respectfully request that the CFPB review this matter, assist in obtaining a refund of the {$30.00} returned payment fee, and evaluate whether the use of Plaidparticularly in the absence of direct consumer supportmeets applicable consumer protection standards.

Thank you for your attention and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2025, Citi decreased my credit limit from {$21000.00} to {$16000.00}. I called on XX/XX/2025 and requested a reinstatement of my credit limit. Despite my request and multiple follow up on the status, Citi have not provided a response to my request for reinstatement. Instead, I was sent a loan offer for the remaining credit limit balance.

Moreover, a decrease on my credit limit is unjustified as every month my credit card is used and paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 non-monetary relief
Consumer complaint received 2026-01-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In approximately XXXX, I noticed an unfamiliar transaction on my Bank of America account and contacted the bank to place a fraud alert.

During that conversation, I was informed of an additional transaction related to the same merchant that I was previously unaware of. Together, these transactions totaled {$220.00}.

I did not knowingly authorize a paid subscription for this service and was not aware a free trial had converted to a paid charge. I did not use the service and canceled immediately once the charge was brought to my attention.

I contacted the merchant to request a refund, which was refused. I then disputed the charge with Bank of America, but the dispute was denied.

I am requesting a review of Bank of Americas dispute decision given the lack of awareness, lack of usage, and immediate action taken once the charge was discovered.

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 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a new complaint regarding JPMorgan Chase Banks refusal to reimburse two fraudulently altered checks, despite clear evidence of check washing and a documented pattern of identical fraud for which Chase previously reimbursed my business.

Summary of the Fraud In 2025, multiple checks issued from my business account were stolen from the mail, altered, and deposited via mobile deposit into accounts belonging to unrelated individuals. These checks all shared the same characteristics : Altered payee names Suspicious formatting and multiple-name payees Deposits made via mobile deposit No authorization from my business No history of my vendors using mobile deposit Prior Fraud That Chase Reimbursed Before the two checks currently in dispute, Chase identified and reimbursed multiple fraudulent checks involving the same method : Check # XXXX {$5200.00} Stolen and altered ; Chase detected the fraud and reversed it. 

Check # XXXX {$6100.00} Altered and deposited via mobile deposit ; reported upon discovery and reimbursed. 

Check # XXXX {$1700.00} Altered and discovered during reconciliation due to a bank posting error ; reimbursed. 

Check # XXXX {$5400.00} Altered and deposited via mobile deposit ; reimbursed after review. 

In each of these cases, Chase acknowledged the fraud and reimbursed the loss. 

Checks Currently Being Denied Chase is now refusing to reimburse : Check # XXXX {$8000.00} Check # XXXX {$6500.00} These checks were altered and deposited using the same method, during the same time period, and with the same red flags as the prior reimbursed checks.

The only meaningful difference is the dollar amount.

Why Chases Denial Is Improper Chase has denied reimbursement solely based on a reporting timeline, despite : The checks being altered and therefore not properly payable Chase previously reimbursing identical fraudulent checks The fraud involving mobile deposit and obvious red flags The bank failing to explain how
these items met ordinary-care standards Under UCC 4-401 and 4-406, a bank may not shift loss to the customer when it pays altered items and fails to exercise ordinary care. Chase has not explained why these checks were payable while identical prior items were not.

Resolution Requested I am requesting that Chase : Reimburse the full amount of {$14000.00} Apply its fraud policies consistently Acknowledge that the checks were altered and not properly payable Provide documentation explaining how these items were reviewed and approved I am submitting this complaint because Chases refusal is inconsistent with its own prior determinations and has placed a significant financial burden on my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
CapitalOne is issuing new Debit cards. The new cards do have a different numbers and missing a XXXX logo on them. 
Cards were sent to both myself and my wife. On our recent trip to XXXX I didn't activate my new capitalone card and simply used the old one. Everytihg worked there, but my wife already activated her new card and as a result of this she couldn't get any cash out of ATMs anywhere in that country.

I called CapitalOne, but they didn't even apologize it- they are simply moving those card to a non-working network. ( at least from foreign countries ). We travel a lot and rely on debit cards to get cash out of ATMs. It isn't acceptable that the company like CapitalOne gives out new card without any warning that the card might stop working once you leave the US.

Company response to consumer: Closed with explanation