vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CIG FINANCIAL LLC
State: SC

Complaint narrative:
the vehicle was purchased XX/XX/year> first payment was late ( paid XXXX ) due to not receiving correspondence on how to pay. Due to financial hardship I was unable to make second month payment. Arrangements were made to pay on XX/XX/XXXX but not honored due to banking issues. I called in the following week ( XX/XX/XXXX ) and tried to make a partial payment of {$600.00} until the banking issue was rectified and the rep declined payment. My sibling tragically passed away XX/XX/XXXX things were put on pause. On XX/XX/XXXX I started having mechanical issues and had the vehicle towed to the dealership on XX/XX/XXXX and was told later that day the transmission and oil pressure switch failed. Due to the issues I had to rent a vehicle and couldn't afford to make a payment and rent a vehicle. I reached out to loan company to inform them of the matter at hand and asked for a defer payment to avoid repossession and was told the loan was too new to qualify. I gave the information where the vehicle was being repaired at. I called in again the week of XX/XX/XXXX to make a XXXX full payment which would take me out of the 60 day mark and was told I had to pay {$2000.00} due to having to rent vehicle I did not have that amount. I called dealership to check status of vehicle and was told they couldn't give me any information because the loan company told them not to correspond with me regarding repairs. I then called the loan company trying to make arrangements and speak with upper management and haven't been successful. I was able to make a payment towards the balance which would bring XXXX payments late instead of XXXX. I'm trying to avoid repossession and the additional fees that comes with it. XXXX management refuse to call me back and the supervisor refuse to work with me during this difficult time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THE LATE PAYMENT REMARKS ASSOCIATED WITH THIS ACCOUNT ARE INACCURATE AND DO NOT REFLECT THE TRUE PAYMENT HISTORY. I AM FORMALLY DISPUTING THESE SPECIFIC NOTATIONS AND REQUEST A THOROUGH REVIEW AND CORRECTION. IF THESE LATE PAYMENT REMARKS CAN NOT BE PROPERLY VERIFIED WITH ACCURATE RECORDS, THE LATE PAYMENT REMARKS MUST BE REMOVED IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
I called the debt company on Monday XX/XX/XXXX about my rental payment, I told him Im on XXXX and cant pay that day but wanted to work a payment plan through the monthly but this guy said I had a year to pay the amount and I had to pay the day I contacted him. I dont think Im being treated fairly. This man sounds evil and thought he could bully a person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 non-monetary relief
Consumer complaint received 2026-05-06 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: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 2026-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I disputed a specific group of transactions because they were unauthorized and reflected activity that was materially inconsistent with my normal historical usage pattern with this merchant. Bank of America denied the claim based primarily on the fact that I had previously conducted business with the merchant and characterized the activity as recurring or subscription-related. However, my dispute was not based on lack of merchant recognition. It was based on a concentrated burst of transactions that differed significantly from my normal transaction frequency and behavior. The banks response did not appear to address the abnormal transaction pattern, the unusually high frequency of charges within a short timeframe, or the distinction between prior authorized use and the disputed activity. I am requesting a reconsideration of the claim and review of the transaction pattern and supporting circumstances surrounding the disputed activity.

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 2026-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc.
State: MO

Complaint narrative:
They call me excessively sometimes one after another if I don't answer. I told them to stop but they just keep calling and calling sometimes 7 or 8 times a day for multiple days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: AL

Complaint narrative:
Chime just randomly closed my account with no warning and kept my remaining funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 2026-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LTD Financial Services, L.P.
State: KY

Complaint narrative:
At no point was I notified of the existence of this debt, nor was I provided with any information outlining the original creditor, the amount owed, or the details surrounding the account. Because of this lack of communication, I was not given a fair opportunity to address or resolve the issue before it was sent to collections. Given these circumstances, I respectfully request that you provide full validation of this alleged debt. This should include documentation of the original account, a complete payment history, and proof that I am legally responsible for the balance in question.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-06 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: MI

Complaint narrative:
I have a way2go card for child support. The money is deposited there but I am unable to use the card for any purchases or transfers. I am unable to speak to a live representative to fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: Klarna AB
State: NY

Complaint narrative:
I bought a XXXX XXXX flight for Thursday XX/XX/year> through XXXX and used Klarna as my payment method. I contacted XXXX and they said I have to contact my credit card company to get my money back. This same language was on an email I received from XXXX. I contacted Klarna and they said that I can not get my money back because this transaction was not covered under Klarna 's buyer protection policy so they're unable to assist me with a refund. So now I don't have my flight anymore and the {$110.00} I paid for this ticket is lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
On XXXX XX/XX/2026 I detected fraudulent charges to my Wells Fargo checking account. We immediately notified Wells Fargo of the fraud. The 4 charges were made without my authorization using my debit card number although I had control of the card and had not lent it to anyone. I immediately notified Wells Fargo about this fraud and cancelled my debit card. Wells Fargo was notified less than XXXX hours after the first fraudulent charge and less than XXXX hours after the last. Wells Fargo stated they would investigate the claim, and we were told on the phone that we should receive our funds returned in 2 to 10 days. Wells Fargo and Visa both have a XXXX Liability policy that says as long as we quickly report the fraudulent charges the funds would be returned. The 4 fraudulent charges totaled {$6900.00}. One of the charges was not paid, and we did receive {$1400.00} back into our account. We have lost {$5500.00} from the other 3 fraudulent charges. 10 days after the claim was initiated with Wells Fargo, we contacted Wells Fargo to ask why we had not received our other funds. They stated they were still working on the case and provided no information. On day 12, we were notified that the case was closed, and we would not receive money back. The stated reason was : The card was in my possession during the disputed activity, the email address provided to the merchant matched my email address on file, and the shipping address matched my address. The fraudulent charges were money transfers made to XXXX I recontacted Wells Fargo and asked if they would reconsider opening the claim which they denied. I tried to elevate a complaint and cited their own XXXX Liability policy, but Wells Fargo would not listen and stated the case is closed. A police report was filed. We have not managed to get any assistance and are still out the {$5500.00}. The Wells Fargo Fraud Reference Number is XXXX XXXXXXXX and Claim XXXX XXXX I completed an Identity Theft Report with the FTC ( report XXXX XXXXXXXX ) I have put alerts through the 3 credit bureaus. XXXX XXXX XXXX Police Report Tracking Number 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
Consumer complaint received 2026-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
* * Complaint Summary : * * I am submitting a complaint regarding First Citizens Banks failure to provide accurate and complete account information for my loan account ( No. XXXX ). I previously requested documentation related to the account, including proof of balance, payment history, and supporting records. The bank responded that they had already provided documents and refused further assistance. However, the documentation provided is incomplete and does not include : * A full transaction-level payment history * A clear breakdown of how the current balance was calculated * Proper validation of the amounts being claimed As a result, I am unable to verify the accuracy of the debt or determine whether payments have been properly applied. -- - * * Issues : * * * Failure to provide complete account-level documentation * Failure to adequately investigate a dispute * Lack of transparency in balance calculation -- - * * Desired Resolution : * * I am requesting that First Citizens Bank : 1. Provide a complete payment history 2. Provide a full accounting of the balance 3. Identify the current creditor and servicing status 4. Correct any inaccuracies found -- - I am seeking a formal investigation and written response addressing these concerns. I did a three letter admin process wand the bank associates said they will not provide any further documentation. tila issue and documents provided on request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I opened an account with Chase, hoping to use it as an XXXX seller. I deposited around XXXX dollars. I then realized that the account wouldnt work with XXXX and closed it. Chase marked this as suspicious and has held my money for two months, saying they would need to contact my employer. I no longer work for that company and Chase has not sent any follow up information about when my money will be released.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: ATLANTIC COAST MORTGAGE, LLC
State: VA

Complaint narrative:
On XX/XX/year>, Atlantic Coast Mortgage sent a Deed of Trust to their title company with my name misspelled on the document. They also initialed the first 2 pages of the document replacing the actual 2 pages of the document that I initialed that had my name spelled correctly. They recorded the forged documents. The remaining pages with my signature are genuine. But the first 2 pages that identified me were forged and misspelled my name. So far, they have ignored all my communications to them regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
To Whom It May Concern : I am submitting this complaint against Exeter Finance regarding the financing, handling, and credit reporting of a defective vehicle that should never have been sold without full disclosure of its serious mechanical issues. I was the co-signer on a vehicle purchased for my daughter. Almost immediately after the purchase, the vehicle began experiencing significant mechanical problems. Within approximately two months of purchase, the car had to be serviced due to ongoing defects and reliability issues. The vehicle repeatedly failed to operate properly, causing financial hardship, emotional stress, transportation issues, and major disruption to our daily lives. Despite the serious problems with the vehicle, the loan continued to be enforced as though the vehicle was fully functional and safe. Eventually, the vehicle had to be returned because it was not dependable and could not reasonably be maintained. My daughter later filed bankruptcy due in part to the financial burden associated with this defective vehicle and the debt connected to it. After the vehicle was returned, I received a recall notice from XXXX concerning the exact types of issues we had been experiencing. This confirmed that the vehicle had known defects and safety-related problems. It is extremely concerning that the vehicle was financed and later resold despite the existence of serious defects and recall-related concerns. What makes this matter worse is that Exeter Finance continued reporting the account as late and delinquent to the credit bureaus even after the company had possession of the vehicle. The inaccurate reporting severely damaged my credit profile as a co-signer. I believe the reporting was unfair, misleading, and failed to accurately reflect the circumstances surrounding the vehicles return and the known defects associated with the car. I also believe there was a failure to properly investigate the condition of the vehicle and the legitimacy of the debt after the recall issues became known. Consumers should not be financially punished for a vehicle that was defective shortly after purchase and later tied to manufacturer recalls. This situation has caused significant emotional distress, embarrassment, financial hardship, and long-term credit damage. I acted in good faith as a co-signer to help my daughter obtain reliable transportation, but instead we were left dealing with a vehicle that appeared to be defective from the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
Complaint : I am filing a complaint regarding a misrepresented extended warranty that was added to my auto loan. On XX/XX/2026, I purchased a vehicle from a Mercedes-Benz XXXX XXXX by XXXX. During the financing process, I was sold an extended warranty for {$4300.00}. The finance XXXX explicitly represented this warranty as a Mercedes-Benz XXXX XXXX ) warranty. This statement was false. The warranty was actually a XXXXparty product from a low-quality provider. I was also told that the printer was not working, which delayed my ability to review the contract. I only received access to the full documentation several days later. On XX/XX/2026, after reviewing the documents, I discovered the misrepresentation and immediately signed a cancellation request for the warranty. Since XX/XX/XXXX, I have been repeatedly following up with the dealerships cancellation department. I have been told the process may take up to XXXX weeks. Meanwhile, the {$4300.00} charge is still included in my loan balance with Mercedes-Benz Financial Services , which is financially harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
A complaint I made to the XXXX was referred to you, and you created case XXXX. For one, you classified it as a " trouble paying mortgage, '' which indicates that you didn't carefully read over the issue. Secondly, what's missed here is Wells Fargo broke a verbal contract, lied about using the XXXX ( postal fraud, while not glorious, still remains a crime ), and is withholding the evidence I requested to show their wrongdoing. Yet, you accept their " we investigated ourselves and found we did nothing wrong. '' Are you okay with their conduct?

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