vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Got a XXXXXXXX XXXX XXXXXXXX in XXXX during the car shortage, made payments in the first year of {$320.00}, when i lost my job i would talk to Chase Bank about my options, talking to people that say they wont let me make payments based off what bank i have. Had blocked one of my phone numbers unable to make payments, when it became late i would tell them the payment is on the way and then they would charge a late fee despite my payment being processed, they continued to fail to provide statements of the latest date to me. And even when my car fully broke down i tried a voluntary repossession and they denied it, turning it into a nonvoluntary repossession and refused to get the vehicle for over a year. As of XXXX of XXXX it was finally grabbed only after 3 times i had gotten someone competent on the phone. Made payments of {$120.00} every other month. Until XXXX of XXXX where they started refunding the money back to me and would let me pay anymore let alone when i called to set up a payment plan they'd tell me their system is down. Trying to find information about my loan and no one is giving me a straight answer on what to do. Im unable to pay as they'll just keep refunding it over and over again. Right now it is marked on my Credit report as a " closed account under bad debt/chargeoff '' but they wont let me pay on the rest of my debt which is {$8900.00} it makes it hard to get any loans or get anywhere when it just sits there for something i cant touch and no collection agency is grabbing it either. I want to pay it off but they wont give me the option of bankruptcy or settling it. So it just sits there and causes issues in my life. This is Chase Bank Auto Finance. I need help something on my credit so i can make credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: IL

Complaint narrative:
Dear Loss Mitigation Department, My name is XXXX XXXX and Im the owner of XXXX XXXX XXXX XXXX XXXX, Illinois XXXX I am writing to formally appeal the denial of my loan modification request for my mortgage loan number XXXX My application was denied ; however, I respectfully request reconsideration due to my documented hardship resulting from a work-related injury. On XX/XX/year>XXXX I sustained an injury by falling down the stairs while on the job which significantly reduced my income for at least 8 months of XXXX. As a result, I fell behind on my mortgage payments. This hardship was temporary along with my healing but financially impactful. I have been actively working toward recovery and stabilizing my income through workers compensation benefits and/or returned to work on XX/XX/year>XXXX I am committed to keeping my home and resuming regular mortgage payments under modified terms. I respectfully ask that you reconsider my application based on the following : - My hardship was beyond my control. - My income interruption was caused by a verified work-related injury. - I am now in a position to maintain modified payments going forward. - I am willing to provide updated medical documentation, proof of workers compensation benefits, and current income statements and hospital records Please review my file again and advise if any additional documents are required to move forward. I am requesting a fair review under your loss mitigation guidelines. Thank you for your time and consideration. I look forward to your prompt response. XXXX bless Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: SC

Complaint narrative:
Company bought a debt from another company and has tried to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Account : MIDLAND CREDIT MANAGEMENT Collection ( XXXX XXXX ) Balance {$470.00} Opened XX/XX/year>XXXX This account is disputed as identity theft and/or inaccurate reporting under the Fair Credit Reporting Act. Violations include : - 15 U.S.C. 1681c-2 - 15 U.S.C. 1681e ( b ) - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) I demand immediate deletion unless full verification is provided. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc.
State: GA

Complaint narrative:
I am disputing a collection account being reported in connection with a former apartment/landlord. I do not believe this debt is valid, and the information being reported is inaccurate and can not be properly verified. I requested validation of this debt, including a copy of the lease agreement, an itemized breakdown of all charges, full payment history, and the original date of delinquency. This information was not properly provided. There are discrepancies regarding the amount being reported as well as concerns about the accuracy of the dates associated with this account. Without proper documentation, this debt can not be verified. Under the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate and verifiable. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to proper validation of any alleged debt. I am requesting a full investigation into this matter. If the company can not provide complete and accurate documentation validating this debt, I am requesting that this account be removed from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: KS

Complaint narrative:
I looked at every deposit and withdrawal I made on Wednesday through cash app and my bank, by Friday morning everything had went through on both ends with no issue. Then I get a notification at XXXX saying I owe {$150.00} for a charge my bank disputed and theres no record or receipt within my account and bank that matches the details they provided and when I called XXXX XXXX they told me they had no record of it and every cash app payment and withdrawal went through. So they marked it as suspicious and told me to try getting ahold of cashapp support so they can fix it and they refused so now im here. This isnt the first time they've charged me money claiming my bank disputed it and the same thing happened, my bank had no records of it and after a month they finally accepted fault which lead to me not having to pay that XXXX charge. It's literally step for step, exactly how it went down last time. I made a few deposits and withdrawals, there system and my bank OKs it, then a week later im hit with a random charge that my bank cant fight or fix because theres nothing there.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
In XX/XX/XXXX, a sales representative from XXXX named XXXX visited my business and told me that all Clover equipment ( XXXX XXXX XXXX XXXX and XXXX ) was completely free. He said there were no equipment costs and no lease. Based on his explanation, I believed I was signing a simple equipment activation form. At no point did he disclose that this was a longterm, noncancelable financial lease. He did not explain the monthly cost, the XXXX term, or any financial obligation. I was not given time to review the document, and I was not provided a copy afterward. Starting XX/XX/XXXX, I began noticing unexplained ACH withdrawals from my bank account labeled ACH XXXX XXXX. These charges did not appear in my Clover XXXX, XXXX, or any billing statements. I had no idea what these charges were for. The amounts withdrawn were : XXXX XXXX XXXX : {$200.00} monthly XXXX XXXX XXXX : {$400.00} monthly XXXX XXXX XXXX : {$540.00} monthly While searching through old emails, I discovered a lease contract from XXXX XXXX XXXX that I had never seen or reviewed. This was the first time I realized that the document I signed was actually a financial lease. I did not knowingly agree to this lease, and I would not have accepted a 48month contract costing over {$1200.00} per month across two locations. I contacted XXXX and XXXX, but neither company provided a clear explanation or a copy of the fully disclosed agreement. I have filed complaints with the XXXX, the Texas Attorney General, and the FTC regarding the deceptive sales practices. This lease was opened without my informed consent. The charges were never disclosed, and the contract terms were never explained. The withdrawals have caused significant financial harm to my businesses. I am requesting : A full refund of all unauthorized ACH withdrawals Immediate cancellation of both equipment leases A complete copy of the original agreements with all disclosures Written confirmation that no further charges will be made

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
well me and XXXX investments originally mediated in court and resolved in XXXX and agreed to the courts he will remove such things, wrongful eviction and what's owed, I was forced out by him before court ' after being forced out by XXXX without the courts before mediation, I was not able to take my valuables or anything pertaining to personal items or for my small business also in court he presented what he felt like I owed even though he was over paid by me and government resources, insurance claims for various reasons, we agreed me to pay an amount in court I did so and we broke even, he keeps putting a substantial amount he feels I owed with no proof or right after over charging me even when my rent was said a {$1.00} or when XXXX sent him checks, or when the insurance company paid him off claims I was still personally charged and forced to move, I need him to remove that off my credit report and fabco, I may have to write about fabco next I sent them all the proof in XXXX via email

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: FL

Complaint narrative:
I am filing a formal complaint against U.S. Bank regarding the unlawful and continued withholding of my business funds. My case has been ongoing for approximately nine ( 9 ) months since XX/XX/XXXX. Throughout this entire period, I have fully cooperated and repeatedly submitted all requested documentation, including my identification, SSN, proof of legitimate business operations, and supporting documentation from both myself and the sender of the funds. In response to my previous CFPB complaint, U.S. Bank requested additional documentation, specifically a Certificate of Good Standing for my LLC. I provided this document in XX/XX/XXXXXXXX as requested. Additionally, during an in-person visit to a U.S. Bank branch , I was informed that, in order to release my funds, the bank required a signed statement from the sender confirming the two wire transfers in question ( {$15000.00} and {$25000.00} ). I obtained and submitted this signed statement on XX/XX/XXXX. Despite fully complying with every request made by U.S. Bank, I was informed on XX/XX/XXXX, after a follow-up call, that a final decision had been made and that the bank would not release my funds. No clear explanation, legal justification, or supporting documentation has been provided for this decision. The continued withholding of approximately {$42000.00} in legitimate business funds, despite my complete compliance, is unreasonable, unjustified, and potentially unlawful. This prolonged delay has caused significant financial hardship and disruption to my business operations. I demand the immediate release of my funds or, at minimum, a detailed written explanation outlining the specific legal and regulatory basis for withholding these funds. If this matter is not resolved promptly, I am prepared to escalate further through legal action and additional regulatory channels.

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 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Account : SANTANDER XXXX XXXX Loan Charge Off Balance {$16000.00} Opened XX/XX/year>XXXX This account is disputed as identity theft and/or inaccurate reporting under the Fair Credit Reporting Act. Violations include : - 15 U.S.C. 1681c-2 - 15 U.S.C. 1681e ( b ) - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) I demand immediate deletion unless full verification is provided. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
This issue concerns late payment reporting on my federal student loans serviced by Aidvantage. The loans were opened on XX/XX/XXXX. Throughout XXXX and early XXXX, the account reflected a {$0.00} scheduled payment. In XXXX, the account began reporting scheduled payment amounts, but I did not receive billing statements, paymentdue notices, or delinquency warnings by mail or email. In XXXX and XX/XX/XXXX, the account was reported as 90 and 120days past due. The credit reporting does not show a clear 30 or 60day delinquency progression, does not list a Date of First Delinquency, and does not include remarks explaining how the delinquency was triggered. I sent a written goodwill request to the servicer requesting review of the late payment reporting but did not receive any response. I then disputed the inaccurate reporting through XXXX and XXXX. Both credit bureaus completed their investigations and marked the accounts as updated, but the late payments for XXXX and XX/XX/XXXXXXXX remain. The updates only refreshed balances and report dates and did not address the lack of billing notice, missing delinquency progression, or missing Date of First Delinquency. I am requesting correction or removal of the inaccurate late payment reporting because the delinquency has not been properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: WA

Complaint narrative:
On XX/XX/year>, I initiated an international remittance transfer through Abound ( XXXX ID XXXX ). The funds were successfully debited from my XXXX XXXX account on XX/XX/year>, but the transfer has not been delivered to the recipients account. On XX/XX/year>, I contacted Abound regarding the delay. Their support team responded in writing and informed me that the transaction was in process and expected to be settled by XX/XX/year>. The promised settlement date of XX/XX/year> passed without completion of the transfer. After further follow-up, on XX/XX/year>, Abound support responded again stating that the issue had been escalated to their banking partner and requested an additional 35 business days to resolve the matter. That additional timeframe has now passed as well, and neither the transfer has been completed nor has a refund been issued to my source account. On XX/XX/year>, I formally notified Abound in writing of a remittance error under Regulation E ( 12 CFR 1005 Subpart B ), requesting immediate completion of the transfer or a full refund within three business days. As of today, the remittance remains undelivered and no refund has been processed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My complaint is against synchrony bank. I had five accounts with them that were closed. None were delinquent and some were paid in full with XXXX balance. I will now list them. Rooms to go count ending in XXXX. Opened XX/XX/XXXXXXXX paid in full XX/XX/XXXX. Balance was {$5000.00}. They closed it XX/XX/XXXX. The reason was, you made a dishonored payment on another car account with synchrony Bank. Amazon XXXX XXXX account ending in XXXX. XXXX XX/XX/XXXX paid off XX/XX/XXXXXXXX {$3300.00}. Closed XX/XX/XXXX. Reason given : Activity on account with synchrony Bank indicated a high risk of failure to pay. Synchrony project card XXXX account ending XXXX. Account open XX/XX/XXXXXXXX paid in full XX/XX/XXXX. Full amount was {$5700.00}. It was paid off with a balance of {$3800.00}. My account was closed XX/XX/XXXXXXXX with a XXXX balance reason given activity on account with synchrony bank, indicative of high risk of failure to pay XXXX XXXX rewards XXXX XXXX ending XXXX open XX/XX/XXXXXXXX paid in full balance XX/XX/XXXXXXXX of {$250.00}. The account was closed XX/XX/XXXX. I called XX/XX/XXXXXXXX to check balance to be sure that I did not have a balance standing. The balance was due XX/XX/XXXX, but I paid it XX/XX/XXXXXXXX for $ XXXX payment confirmation code XXXX. Reason given for closing. You made it dishonored payment on another account with synchrony bank. Carecredit synchrony bank account ending XXXX. Account was opened XX/XX/XXXXXXXX for {$15000.00}. There are no late payments on this account and it was paid in full with the balance of XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. It was closed XX/XX/XXXX. Statement for reason closed : you made dishonored payment on other accounts in synchrony bank. I paid off my home and decided to pay off all my credit cards. None of my credit cards with Synchrony were late or had had any recently late payments. There were no due payments on any of the cards. The money that I put into my account to pay off the cards was late transferring in. I had made a payment on each of these that had a balance. Unfortunately, the money was transferred in late, so itwas not in my account so the payments which were NOT due to begin with bounced. Again, this was a payment that I was making freely to pay off the balances on these cards -no payments were due. As soon as I found out that there was an issue with the transfer of money and that the payments did not go through.I immediately corrected this and resubmitted my payoffs. They were all paid in full. Again, no payments were due on these accounts. No payments were behind and the majority of them had a XXXX balance. There were no issues at all with any of these accounts. Because of this error, they closed every single one of my accounts.

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 2026-04-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am filing this complaint against LVNV Funding LLC for failure to validate an alleged debt and for continued reporting of inaccurate information in violation of the Fair Debt Collection Practices Act ( FDCPA ) 809 and the Fair Credit Reporting Act ( FCRA ) 611. I have formally disputed this debt and requested validation, including proof of ownership, chain of assignment, and original signed agreement. To date, LVNV Funding LLC has failed to provide sufficient documentation to substantiate this debt. Despite this, they continue to report the account on my credit report, which is causing significant harm to my financial standing. Additionally : - The amount reported has not been properly verified - No competent evidence has been provided proving I owe this debt- Reporting continues without validation I am requesting : 1. Immediate deletion of this account from all credit reporting agencies 2. Written confirmation of deletion 3. Cessation of all collection activity Failure to comply will result in further legal action. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 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: LA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am protected from inaccurate, incomplete, or fraudulent information on my credit report. An account opened without my authorization, including a business credit card tied to my personal information or Social Security number, constitutes identity theft and must be investigated, corrected, or deleted immediately. I request that this unauthorized account be closed, removed, and blocked from my credit report without delay, as required by the FCRA to ensure the accuracy and fairness of my consumer credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as IQ DATA XXXX XXXX XXXXXXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that IQ DATA XXXXhas the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with non-monetary relief