vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-07 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Capital One issued me a BJs credit card I never used - I called their customer service and canceled card soon after receiving the card well over 2 years ago. Today I received notification from a collection agency that I owe Capital One {$180.00}. I destroyed my card immediately after my conversation with customer service validating the card was canceled. The collection agency is called XXXX XXXX XXXX, the last XXXX digits of the account number is XXXX, the reference ID is XXXX, the total amount balance is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: WI

Complaint narrative:
I paid off my vehicle loan with Westlake Financial and requested release of my lien and delivery of my vehicle title. After payoff, I repeatedly contacted Westlake because I was unable to obtain a valid title. Westlake informed me that Wisconsin had multiple lienholder codes on file for Westlake and that this issue may have prevented the title from being released properly. Despite numerous phone calls, emails, and follow-up requests, I still do not have a valid title. I have spent significant time communicating with Westlake, the Wisconsin DMV, and the selling dealership attempting to resolve this issue. I also paid additional fees to obtain expedited title-related documents. Because I could not obtain clear title to my vehicle, I was unable to use the vehicle as collateral for financing and was forced to seek alternative financing. This caused financial harm and unnecessary delays. I am requesting that Westlake promptly resolve any lien release or title issues, provide a clear explanation of what occurred, coordinate with the appropriate state agencies if necessary, and ensure that I receive the documentation needed to obtain proper title to my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TN

Complaint narrative:
My monthly payment unexpectedly increased from approximately {$910.00} ( XX/XX/year> ) to over {$1400.00} ( XX/XX/year> ) within one bilingual cycle. I did not receive adequate notice, explanation or documentation regarding this significant increase before the payment due date. I previously applied for a lower monthly payment under available repayment options, including income driven repayment assistance and was denied or not processed without clear explanation of decision. This situation has created financial hardship and confusion due to, inconsistent billing amounts, lack of timely notication, insufficient explanation of repayment calculation and difficulty obtaining information from customer service. I am requesting a review of my eligibility for lower repayment for options. XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Zip Co US Inc.
State: MS

Complaint narrative:
I will provide documentation confirming my identity, including government-issued identification and proof of address. I am also a documented victim of a major data breach that exposed my personal information. Despite my information being compromised through no fault of my own, I have taken the necessary steps to restore and secure my identity. My name is XXXX XXXX XXXX, and the personal information associated with my Zip account is accurate and belongs to me. I believe Zip 's inability to verify my account is the result of inaccurate or incomplete information being used during its review process. I am requesting a thorough reinvestigation, disclosure of the specific reason for the adverse action, and restoration of my account privileges if no legitimate basis exists for the restriction. I am seeking a fair resolution requiring Zip to review the documentation I provide, correct any inaccurate information, and restore my ability to use the service. If a consumer report or third-party data was relied upon, I request disclosure of the source and all information used in making this decision. What makes this situation even more confusing is that Zip was able to verify my identity well enough to approve me for a purchase and extend credit. I successfully completed the transaction and paid the account in full. However, after accepting my payments and allowing me to use the service, Zip later claimed it could not verify my identity and restricted my account. If Zip could not verify my identity, it is unclear how the company was able to approve the account, process the transaction, and accept my payments. This contradiction suggests either an error in Zip 's verification process or inaccurate information being used during its review. I am requesting a full explanation of this decision, disclosure of the information relied upon, and a review of my account for inaccuracies. I have documentation verifying my identity and current address and am prepared to provide it. I am also a documented victim of a data breach, which may have contributed to identity verification issues through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 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: GA

Complaint narrative:
On XX/XX/year>, I was incarcerated and remained in custody until XX/XX/year>. During this time, I did not have access to my phone, Chime account, debit card, or the ability to monitor or authorize transactions. While I was incarcerated, XXXX XXXX obtained access to my wallet and Chime account information. I authorized her only to retrieve my wallet and use funds for rent-related purposes. I did not authorize her to transfer money to herself for personal use. During my incarceration, XXXX transfers were made from my Chime account to XXXX XXXX totaling {$1100.00}. These included a transfer of {$720.00} on XX/XX/year> and a transfer of {$400.00} on XX/XX/year>. I did not initiate, approve, or authorize these transfers. After my release, I discovered the transactions and immediately reported them to Chime and local law enforcement. A police report was filed ( Case # XXXX ) identifying XXXX XXXX XXXX XXXX recipient of the funds and documenting my allegation that the transfers were unauthorized. I also provided supporting documentation showing that I was incarcerated when the transactions occurred. Despite the police report and supporting evidence, Chime denied my dispute and determined that no error occurred. I am requesting a review of this decision, reimbursement of the unauthorized transfers totaling {$1100.00}, and an explanation of the evidence relied upon in denying my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year> I tried logging into my online banking at Bank of America, it told me exactly this : Online Banking is not available to you at this time. Please call us at XXXX. I called the number, to be kept on hold for an hour, redirected 2 times, and for the last caller to just say he can not do anything without the reference number mailed to my old address, I told him I had recently moved and not updated it, and now I am abroad he told me to visit a financial center near me, I told him once again, I am abroad for the next 3 months. He then went silent and told me that he will email me a list of financial centers near me- which when he did, required me to login to mobile banking. He refused to connect me with the people who could help me and told me he could do nothing nor would he send any of this information to me via other methods phone or email which are directly linked to my account and he himself stated the reference number could come in the form of a voicemail too, I have received XXXX updates from the bank and my account which is imperative to paying my tuition and rent is now up in the air. Understandably so, I am just as confused as him as to why my account is not working and now even more lost and would like the bank to take appropriate action in letting me login to my account.

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 2026-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
My PayPal account sent this after my account was deactivated- Your account has been permanently deactivated. However, you can still view your transaction history, download account statements, or request copies of your data. Before you can withdraw or transfer any remaining funds from your account, we need to hold them for up to 120 days to cover any financial liabilities. It has been 6 months or longer and I am still unable to transfer to a debit card or a checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
On XX/XX/year> a friend sent me money in the amount of {$77.00} to my PayPal account which just recently opened. PayPal immediately temporarily limited my account which denied me access to my funds until I completed three verification steps. I successfully completed the verification steps just to be informed that my account is permanently locked due to high risk activity. The account is only a week or two old and I have only made a total of 4 or 5 transactions. Those being sending money to a friend and this last one which I received money in the amount of {$77.00}. XXXX will not tell me what I did wrong. The response I got was that my money will be available in 120 to 180 days in which I will receive a email contact them for verification in the best way to distribute the funds. keep in mind you must go through a verification process again. I'm basically believing that they are trying not to give me my money at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Balance {$2600.00} Opened Account status Type Responsibility Remarks Original Creditor Name Closed Highest Balance {$2600.00} XXXX. XXXXXXXX XXXX ( XXXX yrs, XXXX mos ) Open Derogatory Individual Placed for collection Dispute resolved-subscriber disagrees Dispute resolved-subscriber disagrees XXXX XXXX XXXX No Info

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kikoff Inc.
State: IN

Complaint narrative:
Your Name : XXXX XXXX : [ Your Address ] City, State ZIP Date : XX/XX/year> XXXX XXXX XXXX, TX XXXX RE : Improper Reporting / Permissible Purpose Dispute FCRA 1681b & 1681e ( b ) Report # : XXXX To Whom It May Concern, I am disputing the following account as improperly reported and lacking permissible purpose : Creditor : XXXX XXXX XXXX Opened : XXXX : {$220.00} This account does not meet the definition of a reportable credit obligation under the Fair Credit Reporting Act and is being reported in a manner that is misleading and inaccurate. Under 15 U.S.C. 1681b, a furnisher must have a permissible purpose to furnish information to a consumer reporting agency. Kikoff operates as a credit builder service and does not extend traditional consumer credit in the form currently represented on my report. Reporting this account as a debt obligation is therefore inaccurate and materially misleading under 15 U.S.C. 1681e ( b ). Additionally, the account lacks required reporting elements including a verifiable payment obligation, full payment amortization schedule, and documentation establishing a legally enforceable debt instrument. Please provide : The executed consumer credit agreement creating a legally enforceable debt The terms establishing repayment obligation Documentation demonstrating permissible purpose to furnish data The Metro-2 reporting classification used for this account If these can not be produced, the account must be permanently deleted from my credit profile as required under 15 U.S.C. 1681i ( a ). Continued reporting without such documentation constitutes furnishing information known to be inaccurate under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). Please complete your investigation within 7 days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I leased a new XXXX XXXX XXXX from XXXX of XXXX. After i signed the lease, XXXX realized they copied the vin incorrectly. Thus, I had to sign new paperwork with the correct vin. XXXX of XXXX submitted both leases for the same exact car to Chase ( who manages the loan ). I have been paying for XXXX leases on the same car for XXXX. XXXX of XXXX has known of the issue for XXXX week, claims they have contacted Chase, but it has not been fixed. XXXX of XXXX will not provide me with any documentation related to their communications with Chase, including a copy of the flat cancellation letter they claimed to have submitted to chase. While this started out as an honest error, it is concerning Chase has not fixed the issue in XXXX business days and is still continuing to collect payments on the erroneous lease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Block, Inc.
State: KY

Complaint narrative:
For the last 3 days Ive been attempting to get answers. For the first XXXX I was ignored so I sent many follow ups before I received a response. I am filing a complaint against XXXX for unfair account penalties and a total failure to address my account issues. XXXX is currently penalizing me for having multiple accounts, even though the other accounts have been closed for years. According to XXXX 's own explicit rules, a closed account can not be reopened, and a consumer is required to create a new account with different information if they want to use the service again. I followed their exact instructions, yet I am being penalized for doing what their system forced me to do. Furthermore, they are completely ignoring my actual issue regarding the XXXX feature. I was approved for XXXX XXXX purchases, chose to cancel them, and the very next day, the entire XXXX feature completely vanished from my app and I was blocked from any other approvals. Customer support refuses to answer why the XXXX feature was removed or why I am being penalized for following their own account closure guidelines, choosing instead to repeatedly send generic, scripted responses that do not address my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I am receiving up to XXXX phone calls per day from Credit Acceptance Corporation, including on weekends, and they are calling me from multiple different phone numbers. I have already informed them that I want reduced or no phone contact and requested that all communication be conducted in writing only. Despite these requests, the calls continue repeatedly and at a high frequency. This pattern is disruptive and feels harassing. I am formally requesting that Credit Acceptance immediately cease excessive phone calls to me and communicate with me only in writing going forward. I also request that this behavior be reviewed, as it appears to be repeated and ongoing despite my prior requests to stop or limit contact.

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 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Received the new card, activated it, i tried to buy a birthday gift and the card identified fraud activity. Through the app it says i must call in. I have spent over XXXX hours on jold and XXXX hours trying different ways to get in touch with them. It can not be legal for a credit card company to not be reachable if they tell me i have been defrauded or had fraudulent activity on my credit card. Throigh the online portal it will not allow me to cancel this card or anything until i speak to someone and everytime i call it says its a XXXX hour wait and atill no one gets on.

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 2026-06-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Experian, Transunion and Equifax violated my rights as a consumer under 15 USC 1681C-2 and I need these inquires blocked and deleted from my credit report within 4 days of receiving this ftc report under fcra law 605b. Remove ; XXXX XXXX XXXX account XXXX date ; XXXX XXXX XXXX, The guarantors account XXXX date ; XXXX XXXX XXXX, Inquiries ; XXXX date ; XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Nelnet, Inc.
State: PA

Complaint narrative:
My loan with XXXXXXXX XXXX was sold to Firstmark Services beginning with payment due in XX/XX/year>. I was told by the bank that payment would not change. My monthly payment is {$870.00} and I have XXXX payments left. The XX/XX/year> payment was made. I have NEVER been late. In XXXX, I was informed that my payment with XXXX will now be {$1000.00} per month because my former loan payment was not enough to make XX/XX/year> the final payment. I reached out to XXXX and was told that XXXX was wrong but they could not help me. Firstmark said I have some ridiculous options. XXXX what I read on line, I removed my payment auto debit and will be sending them the original payment on time. I have never missed or been late with a payment to XXXX. Im sure Im not the only senior person being treated this way. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> I sent 3 XXXX payments totaling {$700.00} from my Chase checking account ending in XXXX to XXXX registered as XXXX XXXX XXXX, based on instructions from a company representing itself as XXXX XXXX XXXX XXXX ( XXXX XXXX # XXXX ). I had a signed service contract with XXXX XXXX XXXX XXXX dated XX/XX/year> I never contracted with XXXX XXXX XXXX. The funds were fraudulently misdirected to a completely different entity without my informed consent. I filed fraud claim # XXXX with Chase on XX/XX/year>. Chase closed the claim the same day with no investigation, no review of submitted documentation, and no explanation beyond 'no action will be taken. This inquiry is now resolved. ' Chase failed to investigate that the recipient entity XXXX XXXX XXXX was never the contracted party, that the company used multiple false identities ( XXXX XXXX, XXXX XXXX, XXXX XXXX ), and that the LLC is registered as Active/Noncompliance with the Georgia Secretary of State. FTC Report # XXXX and FBI IC3 complaint # XXXX have been filed. Georgia Attorney General complaint filed XX/XX/year>. Chase conducted no proper investigation before closing this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I contacted it. JP Morgan, on the issues that Im experiencing with my online access only to be brought to my attention that my checking account will no longer have access from me, and that the banking institution will be closing my accounts for an undisclosed reason. I have talked to several representatives about this issue, and they have told me that they dont have the power nor authority to override this decision. I have not use this account for any unauthorized usage. This is something that shouldve been handle properly and overturned. But unfortunately, I am suffering from a system. Error.

Company response to consumer: Closed with explanation