vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: IN

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, IA XXXX Date : XX/XX/XXXX Subject : Complaint Against XXXX XXXX XXXX and Security Credit Services LLC Failure to Validate Debt and Inaccurate Credit Reporting I am filing this complaint against XXXX XXXX XXXX and Security Credit Services LLC regarding a debt that is being inaccurately reported and has not been properly validated. The account originated with XXXX XXXX XXXX and is currently being reported as charged off and written off. My credit report also indicates that the account was sold to Security Credit Services LLC. I was never properly notified of the sale or transfer of this account, and I have not received any communication or validation from Security Credit Services LLC regarding this alleged debt. Despite this, the account continues to be reported on my credit report in a manner that is misleading and damaging. The following issues are present : XXXX XXXX XXXX has reported this account as a charge-off while also indicating it was sold. After selling the account, they no longer have ownership and should not be reporting a balance or misleading account status. Security Credit Services LLC has failed to provide validation of this debt as required under FDCPA 1692g. I have not received any documentation proving that they legally own this debt or have the right to collect it. Neither company has provided : Proof of ownership or assignment of the debt Original signed contract Complete payment history or accounting records Any documentation supporting the accuracy of the reported information The continued reporting of this account without proper validation or documentation is inaccurate and violates federal law, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting the following : Immediate deletion of this account from all credit reporting agencies Full validation of the alleged debt, including complete chain of title Copies of the original signed agreement and full account records Written confirmation of deletion If these companies are unable to provide proper documentation verifying this debt, they must cease reporting and delete the account immediately. Failure to resolve this matter will result in further escalation, including complaints to my State Attorney General and potential legal action for violations of federal law. Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX SSN ( Last 4 ) : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I've been a chase customer for over 15 years. They decided to close my account for potential fraud and I have been denied to open accounts from 2 separate banks, as well

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: UPGRADE, INC.
State: MN

Complaint narrative:
I have a personal credit line issued through XXXX XXXX XXXX for many years. My pay-off balance is currently {$820.00}, originally I owed {$7000.00}. Without my request or explicit consent, my account balance increased to approximately {$1500.00} from {$1000.00} ( they changed the limit in 2023 ). At the same time, I was charged {$830.00} labeled as a finance charge. This amount appears to match the full finance charge disclosed in a Truth in Lending Disclosure for a {$1500.00} loan. However, I did not request or knowingly accept any new loan, draw, or refinancing of my account. I was not clearly presented with a new Truth in Lending Disclosure in a way that required my affirmative consent before this loan and finance charge were applied. Under the Truth in Lending Act, I am entitled to clear and meaningful disclosure of loan terms and must provide informed consent before incurring a new credit obligation. I did not request a new loan or draw. I did not explicitly accept any new loan terms The finance charge appears to have been applied as a lump sum rather than accruing over time. The lender is claiming that continued use of the account constitutes acceptance, which I dispute as not being meaningful consent. I also have not used this line of credit in years, I do not have an active card, and I am merely paying the balance off. I attempted to resolve this directly with the company, but they stated that a prior change in terms allows them to do this. However, I do not believe this complies with federal disclosure and consent requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I believe I learned that my car was repossessed on XX/XX/XXXX or XXXX. At the time of the repossession, I was not clearly informed of all available options, including the ability to work out a payment arrangement or reinstate the loan. I was led to believe that making payments would help resolve the situation and potentially restore my standing, but the actual consequences were not properly explained. There wasnt good communication and I thought Id be okay. Additionally, during the repossession process, my vehicle was damaged. This added further financial and personal stress to an already difficult situation, and I was not provided with any resolution or accountability regarding that damage. Since this incident, I have made a strong effort to remain in good financial standing and have been responsible with my obligations. However, my credit score continues to be significantly impacted by this event, and I do not feel the situation was handled in a fair or transparent manner. I am requesting a review of how this repossession was handled, including the communication provided to me, the damage to my vehicle, and the continued negative impact on my credit. This situation caused me significant stress and anxiety. The damage to the car is frustrating and all I want is my credit score to be fixed and if they can address the damage as well but the credit score hurts a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
I won a company from XXXX on social media. I believe XXXX is main company ( subsidiary ) - I received a check for XXXX and mobile deposited it into my acct on XX/XX/XXXX. They still have my check on hold and will not allow me access to funds. As soon as 1 hold wears off they place an immediate next one. I have involved XXXX XXXX XXXX as well. The check was only good for 60 days so now its void. I spoke with representative at company who informed me check was cashed in XXXX and she provided me 2 contact ppl for citizens bank which I relayed to them. All I get is the check doesnt look right. WHAT?!?! I have called so many times, corporate called me and said back office isnt taking hold off and we can put as many holds on it as wed like. I want my money, I can see it pending but its not available, the next hold is supposed to fall off XX/XX/XXXX so they will have had my check for 2mths now

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
The company has not provided me with any notification of the details of the sale. I was not notified with a letter of redemption. The amount is extremely high where is the full account history

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 2026-03-31 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: NE

Complaint narrative:
Back in XXXX on the XXXX of 2025 I had thought I didn't make the purchase with my debit card for this purchase but I'm guessing I did but at the end of the day this place it was inhabitable there were so many roaches and mice and I got kicked out for no reason and they didn't illegal eviction technically because I was technically a resident for how long I have been there in the state of Nebraska they also do 30 days lodging text type of thing and I had been there for more than 30 days they refused to do that and it refused to buy by state laws and rules and which is tax fraud but the roaches and whatever we're not I have the proof of everything I was not okay with that and I wanted my money back and I should be allowed to do that but they won't even allow me to chance to appeal it to explain to show anything

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: MI

Complaint narrative:
Cashapp closed my account in XXXX days because I filed disputes which isn't fair. They never investigated the matter fully and accused me of possible fraudulent activities

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MN

Complaint narrative:
I am reporting multiple unauthorized debit transactions that were not properly investigated by my financial institution. On XX/XX/year>, I reported an unauthorized transaction in the amount of {$900.00} ( Claim ID : XXXX ). The claim was closed within approximately XXXX days, including over a weekend, with a determination that no error occurred. I was not provided with sufficient explanation or supporting documentation. On XX/XX/year>, I reported a second unauthorized transaction in the amount of {$260.00} ( Claim ID : XXXX ). This claim was also denied with the same conclusion that no error occurred and closed in XXXX day. After the XXXX claim was denied, I contacted the merchant ( XXXX XXXX ) directly. The merchant confirmed that there is no account associated with my email address and no valid transaction tied to me. This indicates that the charge was unauthorized. Despite providing this information, my financial institution failed to reopen or properly investigate the claim. In both cases, I reported the transactions promptly and did not authorize the charges. Based on the repeated denial of valid disputes and lack of supporting documentation, I believe the investigations were not conducted reasonably or in accordance with Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: EA Holdings Corp.
State: IL

Complaint narrative:
In XX/XX/XXXX, I opened an auto loan with Easy Accept for a XXXX XXXX XXXX. My last payment was made on or around XX/XX/XXXX. The account is currently being reported on my credit reports as In Repossession with a balance of approximately {$17000.00}. On XX/XX/XXXX, I sent a written request to Easy Accept requesting full debt validation. This included a request for documentation such as the original contract, proof of repossession authorization, notice of intent to repossess, notice of sale, auction or sale records, and a complete itemized calculation of the remaining balance. I did not receive the requested documentation. On XX/XX/XXXX, I disputed this account with the credit reporting agencies. It has now been over 30 days, and I have not received proper investigation results or documentation explaining how this account was verified. The account continues to be reported as In Repossession with a balance, but no repossession sale details or deficiency balance calculation have been provided. This reporting is incomplete and misleading. I am requesting that Easy Accept either provide full documentation supporting the repossession and balance, or remove this account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
This {$50.00} was transfered from my savings account into my checking account at Regions Bank. I did not authorized the transfer. If you will look at my checking account history in this document, going back to XX/XX/XXXX, there are no financial activities in the checking account. The only purpose of which I use the Regions checking is to get money off of the checking ( overdraft loan ) when I need it between SS checks from month to month. That is the only activity you will see in the checking, untill XXXX of XXXX. I pay all of my bills from the Regions Savings Account. The reason I do that is, when you do not keep a lot of money in your account, the banks will hold a transaction back to make it bounce. I go into Regions, get the funds out of the savings, load it on a cash app card and pay my bills. The only reason that bills was paid from the checking account in the months of XX/XX/XXXX and XX/XX/XXXX is because I was in transition from XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I arrived in XXXX AL to stay at a place where I did not have any rental or living expense, to save the money to relocate from XXXX XXXX XXXX XXXX GA XXXX I paid my bills from the checking account during XXXX, XXXX because I did not have the transportation to get to a Regions Bank in XXXX. In XXXX, I used the checking account to get on the road to head back to XXXX. I arrived in XXXX GA on XX/XX/XXXX. I walked into the Regions Bank on XXXX XXXX XXXX in XXXX GA. While standing in the line waiting to be called by a teller, a Regions repre- sentative walked up to me and asked how he could help. I told him I wanted to cash a check. He went into a back office and came out and said, You just withdrew everything out of the savings and the checking is overdrawn, you do not have enough money to cash the check. I can give you {$30.00} in cash and deposit the rest into your savings. I said ok. Two days later I saw where {$50.00} was transfered from the savings and placed into the Regions checkings, I caught that in time to reverse it. That was performed by the bank representative without my knowledge. I spoke with XXXX XXXX by phone on Saturday XX/XX/XXXX and went into the Branch on XXXX XXXX XXXX in XXXX GA on Monday XX/XX/XXXX and spoke with the Branch XXXX XXXX XXXX XXXX when I notice that there was an unauthorized transaction of {$50.00} from the savings going to the checking on XX/XX/XXXX. I then went online and retrieved a document showing XX/XX/XXXX for a transfer of funds. I was not aware of this. This was put into affect by the representative who cashed the check on XX/XX/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 2026-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I had active health insurance coverage at the time of service. The provider incorrectly billed XXXX ( secondary insurance ) on XX/XX/XXXX instead of billing my primary insurance ( XXXX XXXX ) first. The provider did not bill primary insurance until XX/XX/XXXX, which resulted in a timely filing denial. This is a coordination of benefits ( COB ) error caused by the providers incorrect billing order. I am not responsible for this debt. Despite this, the account was sent to collections and is being reported on my credit. I disputed the account and provided documentation, including billing records showing the incorrect billing timeline and the EOB denial. The company failed to properly validate the debt and continues to report an inaccurate balance. I requested billing records and claim history, but full documentation was not provided. I request that this account be removed from collections and deleted from my credit report due to provider billing error and inaccurate reporting.

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 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: MN

Complaint narrative:
Currently, I demand copies of my original documentation that proves responsibility of a posted collection against me personally. If the account is now owner by a third-party debt buyer, then I demand certification copies administered through the XXXX XXXX XXXX XXXX that the debt buyer is properly license as a registered debt buyer, and proof of proper surety bonding. If the account is valid, then I need a drop-dead date as to when the negative charge-off will be removed from my credit report altogether. If the debt buyer purchase can not be proved legally with a Bill of Sale attachment, then the account collection must be deleted from my credit report, and my information must be purged by the debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: AR

Complaint narrative:
I enrolled approximately {$57000.00} of unsecured debt into Beyond Finances debt resolution program on XX/XX/year> after being told this was the only viable option during a period of financial hardship. I was instructed to stop paying my creditors and instead make biweekly deposits into a dedicated account so the company could negotiate settlements on my behalf. I deposited approximately {$12000.00} into the program. However, approximately {$7000.00} or more was withdrawn in program and settlement fees while only minimal amounts were paid to creditors. My account statements show that large settlement fees were withdrawn immediately following small or minimal creditor payments. For example, a {$100.00} payment to a creditor was followed by a {$2900.00} fee withdrawal the next day. This pattern repeated multiple times, demonstrating that fees were taken prior to, or without, corresponding creditor settlement payments. These fees were withdrawn without documented evidence that settlement conditions required for those fees were met. I formally revoked authorization for any further withdrawals and requested written-only communication during my dispute. Despite this, the company continued applying pressure to deposit funds, including notices that offers would be voided unless additional money was added. I requested documentation linking each fee withdrawal to actual creditor settlement payments, including dates, amounts, and proof of settlement. The company confirmed that such documentation does not exist beyond general summaries. Despite following the program, enrolled accounts deteriorated, were charged off, and were sold to third-party collection agencies. I am now dealing directly with collectors on accounts that were supposed to be resolved through the program. This resulted in financial harm, including loss of funds, unresolved accounts, and worsening credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
Credence Resource management LLC is attempting to collect a debt for XXXXXXXX XXXX. They claim I owe an early termination fee. I was never made aware of any early termination fees, never signed any contracts or did anything to imply I would pay an early termination fee. I cancelled their service and not only did they charge my card without my consent a partial early termination fee they billed me for more. They have now sent this to Credence. I requested a copy of any contract signed by me multiple times. The dates of these requests are as follows : XXXX, XXXX, and XXXX. They respond back without any type of contract and just send me bills from XXXX XXXX. I am not disputing that dish network is billing me, I am disputing that the bills are attempting to collect a fee for something I never agreed to. Credence refuses to properly address this with evidence and is continually damaging my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
The first issue is when making this complaint I cant do the follow up because it does not allow me. The XXXX issue is Fraud. Committed by Huntington Bank theyre also accessing my XXXX XXXX which is through XXXX XXXX . And watching and recording where my purchases go to that didnt start until this evening because I made a purchase earlier as you can tell about the XXXX dollar XXXX to XXXX XXXX and they didnt put XXXX on it but this evening when ordering from XXXX I XXXX with my Cash App card after making a withdrawal from my Huntington Bank account before my Cash App can make the payment Huntington Bank made the payment and then my XXXX XXXX card was also charged when being refunded and while making the payment from Huntington Bank , you will notice that the statement says XXXX XXXX XXXXXXXX why is Huntington Bank accessing my purchases my XXXX XXXX card my XXXX XXXX transaction history without permission. The only thing I gave them permission to do Was to send XXXX XXXX money that was it or for them to receive money from XXXX XXXX so why are they fraudulently accessing my card information and my transaction history on my phone because that product was paid for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I ordered dark roast coffee through XXXX but delivered wrong item. I selected if item is out of stock refund but despite that I delivered wrong item. XXXX reject to give refund.

Company response to consumer: Closed with explanation