vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: DriveTime
State: MO

Complaint narrative:
I am filing a complaint regarding a vehicle I purchased from DriveTime on XX/XX/year>. Shortly after purchase, the vehicle began experiencing multiple system failures, including engine performance issues and numerous electrical system faults. A diagnostic scan confirmed multiple fault codes across several vehicle systems, indicating that this is not a minor or isolated issue. I have made multiple attempts to resolve this issue with DriveTime. However, I have been repeatedly directed to proceed through a warranty process that requires out-of-pocket diagnostic costs and leaving the vehicle without transportation, which is not feasible for me. Additionally, I was informed by a representative that electrical-related issues are typically not covered under the warranty, yet I am still being required to go through that process before any other resolution will be considered. I have also encountered conflicting information regarding the vehicles prior use, including it being identified as a fleet vehicle within the associated financing system. At this point, I am currently making payments on a vehicle that is not functioning properly, and no reasonable resolution has been provided despite my efforts. I am seeking a reasonable resolution. I am willing to retain the vehicle ; however, I will not accept a repair process that requires out-of-pocket costs or leaves me without transportation. I am requesting either : ( XXXX ) a comprehensive repair at no cost to me, including diagnostics and necessary transportation accommodations, or ( XXXX ) an appropriate financial resolution, such as an account adjustment or compensation, reflecting the condition of the vehicle at the time of sale. The issues I am reporting are unrelated to any cosmetic modifications made after purchase and were present shortly after the sale. I am requesting that this matter be reviewed and resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
In XXXX of 2025, my wife and I divorced. As part of the divorce agreement, I would retain the house once I bought her out of her portion of the equity and then I would assume the existing mortgage. The existing mortgage was with Chase, so I contacted Chase about their assumption process. They assured me that the assumption process would take between XXXX and XX/XX/XXXX months. I completed the assumption application in XXXX of 2025, and then again gave them some additional documents that month. They then re requested documents in XXXX, XXXX, XXXX, XXXX, XXXX, and then XXXX. Many of these requests were for documents or accounts they had already been given. XXXX time on the phone they informed me that documents can go " stale '' in their system, and it seems like they stagger these requests for documents so that new ones are constantly growing stale as they continuously ask for more or the same things over again. This last gap between me turning in the documents and them responding was over XX/XX/XXXXdays, and literally everything they asked for I had already given them at XXXX point in the past. Some of the accounts they wanted information on obviously had new information, but they had asked for those accounts ( in some cases repeatedly ) in the past. I did inform them at that time that these delays were unacceptable and that I believed they were trying to get me to refinance at a much higher rate instead of exercising my right to do the assumption. They did not respond to my complaint over the phone, at which time I did inform them I would report this to the CFPB. It has been XXXX weeks and they still have not responded, hence I am making this report now. The timeline has gone well past theXX/XX/XXXXmonth maximum horizon they estimated, and there is no end in sight. Last month I started looking at social media online and found that many online were complaining about this exact same pattern with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: TX

Complaint narrative:
Chime closed my account on XX/XX/year> and the reason they are giving me isn't a valid reason I also had money in the account and they are not letting me get my money out or trying to send me a check

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Churchill Holdings, Inc.
State: IN

Complaint narrative:
Closed on an FHA Mortgage with ChurchHill Mortgage on XX/XX/XXXX. The Following Payments were made through the secure payment link that is sent out by ChurchHill in an Email : XX/XX/XXXX Payment was made on XX/XX/XXXX XX/XX/XXXX Payment was made on XX/XX/XXXX XX/XX/XXXX Payment was made on XX/XX/XXXX XX/XX/XXXX Payment was made on XX/XX/XXXX This Payment was made via the Website that XXXX ( ChurchHill Supervisor ) instructed us to Use : XX/XX/XXXX Payment was made on XX/XX/XXXX Starting XX/XX/XXXX was sent letters saying Delinquent. XX/XX/XXXX another Letter and More Phone Calls. ChurchHill switched which Sub Company does the Payment Processing. XX/XX/XXXX Credit Reports were Dinged this Week. Letter of ForeClosure Received. Spoke to ChurchHill again Today and Told Yet Again Delinquent. Email sent on XX/XX/XXXX asking them to Locate ALL the Payments since we Provided Proof that they have All been Made on Time or Early.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TN

Complaint narrative:
I am disputing a collection account reported by Jefferson Capital LLC. On XX/XX/year>, I sent a written debt validation request via certified mail, which was received and signed for. I requested full validation of the alleged debt, including documentation supporting the debt and proof of assignment. As of today, I have not received any validation or documentation in response to my request. Despite this, Jefferson Capital LLC continues to report this account on my credit report with Experian. This account has previously appeared and been removed after disputes with other collection agencies and has now been re-reported without proper validation. The company attempted to direct me to an online portal requiring login credentials, but did not provide accessible documentation or validation as required. I am requesting that this account be removed from my credit report if proper validation can not be provided, and that all collection activity cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I issued a check from my BMO checking account to a specific payee. A third party fraudulently altered the payee line on the check and deposited it via mobile deposit at XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. The check was paid from my BMO account with an altered payee and unauthorized endorsement. I discovered the alteration on XX/XX/XXXX, and immediately contacted BMO on XX/XX/XXXX. I completed a fraud affidavit that same day, XX/XX/XXXX. BMO has not recredited my account. The bank has stated it is waiting for XXXX XXXX to return the funds before making me whole. BMO 's obligation under California Commercial Code XXXX to only pay properly payable items is independent of its right to recover from the depositary bank. A check with an altered payee and unauthorized endorsement is not properly payable, and BMO should not condition my recredit on its interbank recovery. Additionally, BMO verbally characterized this transaction as an EFT ( electronic funds transfer ) because the fraudster apparently used mobile deposit. This is a mischaracterization. The instrument is a paper check governed by UCC Articles 3 and 4. The method of deposit at the receiving bank does not transform a negotiable instrument into an electronic fund transfer. I am requesting immediate recredit of the full amount debited from 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 2026-04-10 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: CITIBANK, N.A.
State: NC

Complaint narrative:
Citi/Best Buy Dispute for the AMOUNT of {$250.00} Since XX/XX/XXXXXXXX Past the 90 days without proper investigation. I am writing to formally report a violation of the Fair Credit Billing Act ( 15 U.S.C. 1666 ) by Citibank regarding a {$250.00} charge on my Best Buy account for " XXXX XXXX '' passes. The basis of this dispute is a service failure. I paid a premium for expedited access ; however, the park was so significantly over-capacity that " XXXX XXXX '' wait times exceeded one hour, defeating the purpose of the purchase. I have acted in good faith to resolve this. Detailed explanations and the merchant receipt were sent via Certified Mail and delivered on XX/XX/XXXX. Despite this proof of delivery, Citibank has closed the case twice without a reasonable investigation. I continue to receive automated letters, and subsequent notices requesting information that has already been provided. Furthermore, it has been over 90 days since my initial dispute. Citibank/Best Buy has failed to resolve this error or provide the mandatory documentary evidence of their investigation as required by federal law. Due to these violations and the failure to provide the purchased service, I demand a full credit of {$250.00} to my account immediately.

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 2026-04-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
Reporting agency shows collection on all. Reporting agencies. That are yet result of id theft I have issued a cease and desist letter to them but I continue to get notices of collection and the reports are all still on all credit reporting agencies They are for XXXX XXXX and XXXX XXXX. I have my account with XXXX with never a missed payment someone used my name to buy phones and try to put the charges on me. I deny any of these charges as identity theft. And requested they remove these from all credit reporting agencies they failed to comply with consumer law after being informed if id theft. And refuse to remove these from credit reports causing me undue harm

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This collection was placed on begining XXXX, I called the collection agency they had no info about what this is, then I called XXXX they confirmed with me that my account is up to date, I asked the credit bureau to investigate this and get an explanation, They came back saying its verified, With getting any details..

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 2026-04-10 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: MN

Complaint narrative:
I am filing this complaint against LVNV Funding LLC for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. On XX/XX/year>, I submitted a timely written request for debt validation, requesting the original contract, full account history, proof of ownership, and chain of title. As of XX/XX/year>, the company has failed to provide any validation, in violation of 15 U.S.C. 1692g ( b ). Despite this, LVNV Funding LLC continues to report the account to consumer reporting agencies, which constitutes a false and misleading representation under 15 U.S.C. 1692e. Additionally, my original letter included a clear cease and desist request, yet the company continued collection activity by updating the account, in violation of 15 U.S.C. 1692c.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am filing this complaint because Genesis has failed to conduct a reasonable investigation into a fraudulent account/transaction appearing on my credit file, despite receiving clear evidence of fraud. On [ XX/XX/year> ], I submitted a formal dispute to Genesis regarding. Along with my dispute, I provided the following evidence : documents showing they where charging more than XXXX % a YEAR on debt not adjudicated by a judge. Documents showing there never was a judgment against me [ XXXX XXXX XXXX ; XXXX ] Despite this overwhelming evidence, Genesis responded on [ 04/10/2026 ] stating that the information was " verified '' as accurate. Violations : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, furnishers are required to conduct a " reasonable investigation '' of disputed information. By ignoring the specific fraud documentation provided and relying solely on an automated verification of basic personal data, Genesis has failed to meet its legal obligations. Furthermore, Genesis is breaking XXXX laws by charging more than 6 % a YEAR. Genesis is currently in ongoing violation of my consumer rights, causing significant damage to my credit worthiness and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: EQUIFAX, INC.
State: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Subject : Debt Validation Request and Complaint Failure to Provide Proper Validation Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Formal Complaint and Request for Debt Validation Consumer : XXXX XXXX To Whom It May Concern, I am submitting this formal complaint regarding a debt that has been reported on my consumer credit report. I am requesting that the Consumer Financial Protection Bureau investigate this matter and require the furnisher and/or debt collectors to provide proper validation of the alleged debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have reason to believe that my personal information was compromised as a result of the XXXX data breach, and I have received confirmation that my information was impacted. As a result, I am exercising my rights to demand strict proof and verification of any accounts being reported under my name. Despite prior disputes and requests, the reporting party has failed to provide : A copy of the original signed contract or agreement bearing my signature Documentation showing that I legally owe the alleged debt A complete payment history and accounting of the balance Proof of the collectors legal authority to collect on the debt Evidence that the debt was accurately reported to the credit bureaus Under federal law, a debt collector must cease collection activities until proper validation has been provided. Reporting a debt without verification constitutes inaccurate reporting and potential violations of consumer protection laws. These are the accounts : National Credit System : XXXX XXXX XXXX XXXX Account {$860.00} XXXX XXXX Additionally, due to the confirmed data breach impact, I request heightened scrutiny of these account and immediate removal if the furnisher can not provide competent evidence of the debts validity. Requested Resolution : XXXX. Conduct a full investigation into the reporting and validation of this account XXXX. Require the furnisher or collector to provide proper validation of the alleged debt XXXX. Remove this account from my credit report if validation can not be produced XXXX. Ensure compliance with all applicable federal consumer protection laws I certify that the information provided in this complaint is true and accurate to the best of my knowledge. I respectfully request prompt attention to this matter and written confirmation of the outcome of the investigation. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I made a Payment for my rent of {$1900.00}. They paid it, told me i overdrafted foXXXX XXXX XXXXXXXX, then the next day they reversed the payment, which caused me to be charged a fee for NSF

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 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit card with XXXXXXXX XXXX XXXXXXXX XXXX. was a secured card. The dollar amount paid into the card was never deducted from the balance. Therefore, the amount they are attempting to collect is wrong.

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 2026-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: IL

Complaint narrative:
I have requested reinstatement quotes on four different occasions so that I can bring my account current Selene finance has not responded to me after any requests

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XXXX of XXXX, I received an email from PayPal on XXXX notifying me that my account had been permanently deactivated. The stated reason was vague PayPal claimed there was " activity on this account that we can not process, '' without providing any specific details, evidence, or examples of what policy or law was allegedly violated.I was given no warning, no opportunity to clarify or dispute the activity in question, and no path to appeal the decision. My account was simply terminated without explanation.As a result, PayPal is now holding approximately XXXX XXXX XXXX XXXX in my account. According to their email, they may hold these funds for up to XXXX days to cover potential chargebacks or other financial obligations despite the fact that I have no outstanding disputes or chargebacks on my account.I have had no opportunity to withdraw my funds, and PayPal has provided no clear timeline or guarantee of when or how I will receive my money. The lack of transparency, the absence of any appeals process, and the indefinite withholding of my funds constitute an unfair and deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bonneville Billing and Collections
State: OR

Complaint narrative:
I am filing a complaint regarding Bonneville Collections and their handling of an alleged debt associated with XXXX XXXX XXXX ( XXXX ), account # XXXX. On XX/XX/year>, I received initial notice of a debt in the amount of {$54.00}. Within the required timeframe, I formally disputed the debt in writing and requested proper validation, including a complete itemized statement from the original creditor. In response, Bonneville Collections provided only a basic balance summary, which did not include sufficient documentation such as service dates, billing statements, or an actual invoice from XXXX XXXX XXXX. This does not meet the standard of validation required under the Fair Debt Collection Practices Act ( FDCPA ). I also contacted their office by phone to request proper documentation and was met with rude and dismissive behavior. I was told that the information had already been provided, which was not accurate. Due to the lack of proper validation, I independently contacted XXXX XXXX XXXX directly and paid the balance of {$54.00} in full to the original creditor on XX/XX/year>. I have confirmation of this payment. After notifying Bonneville Collections that the account had been paid and instructing them to cease collection activity, I began receiving repeated and excessive email communications ( approximately XXXX additional emails in a short period of time ). These continued contacts, after a written dispute and notice of payment, appear to be harassing and unnecessary, and may violate the Fair Debt Collection Practices Act, including but not limited to : Failure to properly validate a disputed debt Continued collection attempts after dispute without adequate verification Excessive and repeated communications

Company response to consumer: Closed with explanation