vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-19 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: Westlake Services, LLC
State: CO

Complaint narrative:
I am filing a complaint regarding an auto loan tied to the purchase of a XXXX XXXX XXXX, which resulted in significant financial harm due to a mechanical failure that appears to have originated prior to the sale. Shortly after purchasing the vehicle, the check engine light came on immediately after leaving the dealership. I returned for assistance and a repair was performed ; however, the underlying issue was not resolved. The vehicle continued to experience ongoing mechanical problems, including engine misfires and oil contamination on a spark plug. Documentation obtained after the purchase includes a pre-sale inspection note referencing XXXX hours for oil separator, indicating a known issue within the engines crankcase ventilation system. This issue was not disclosed to me at the time of sale. Over time, the vehicles condition worsened. A final diagnostic determined that cylinder # XXXX had internal damage ( scoring ), and that the turbocharger was leaking internally, allowing oil into the cylinder and causing damage. The repair facility recommended full replacement of the engine and turbocharger. Due to the severity of the damage and the cost of repair, the vehicle became unaffordable to fix. The dealership refused to assist despite prior documentation suggesting the issue may have existed before the sale. As a result, I was forced to voluntarily surrender the vehicle. This situation has left me with significant financial harm, including the loss of the vehicle and potential remaining loan balance. I am requesting review of this loan and the circumstances surrounding the sale, as the loan is tied to a vehicle that may have had a pre-existing, undisclosed mechanical defect. I am seeking assistance in addressing the financial impact of this situation, including any options for relief related to the remaining balance on this loan with Westlake Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: WA

Complaint narrative:
My direct deposits were missing payments then they closed my account due to me filing dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NATIONAL DEBT RELIEF LLC
State: CA

Complaint narrative:
Upon returning to my old cell number listed, they started calling me on XX/XX/XXXX of XXXX. They first called from the number XXXX, they called again on the XXXX of XX/XX/year> from the number XXXX, they called again the following day on the XXXX from the number XXXX, and then called again an hour ago today on the XXXX of XXXX from XXXX. I do not owe money to anyone and i never signed up for them to call me, i just want them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I am submitting a formal complaint regarding the handling of my mortgage loan servicing. I purchased my home and closed on XX/XX/XXXX, with XXXX XXXX XXXX as the original lender. Shortly after closing, my loan was transferred to XXXX XXXX between XXXX XXXX XXXX. That lender then transferred my loan again to Mr. Cooper. Since the transfer to Mr. Cooper, I have made multiple attempts to establish my account and make payments. Each time I called, I was unable to access any account information, as their system did not recognize my Social Security number, and I was not provided any assistance beyond being told my account was not set up. In XXXX, I contacted Mr. Cooper again and spoke with a representative from their XXXX office. I was told there was no record of my name, phone number, or Social Security number in their system. I was also informed that because my account was not set up, there was no payment due at that time. On XX/XX/XXXX, I called again and was informed for the first time that I owed {$8800.00} for the months of XXXX and XXXX. This was the first time I was made aware of any payment due. Prior to this, I had not received any phone calls, billing statements, or written communication regarding my loan or payment obligations. Additionally, during my call on XX/XX/XXXX, the representative confirmed that Mr. Cooper did not have my correct contact information on file, including my phone number, email, or mailing address. Despite this, within hours of that call, an unidentified individual arrived at my home and delivered a letter instructing me to contact Mr. Cooper immediately. This raises serious concerns about the accuracy of their records and their communication practices. At no point was I provided with proper notice, billing statements, or a reasonable opportunity to make payments. I made repeated efforts to resolve this proactively and was given incorrect or incomplete information. I am requesting the following : 1. Immediate correction of my account and full investigation into the servicing errors 2. Removal of any late fees or penalties 3. Assurance that no negative credit reporting will occur as a result of these errors 4. A clear and accurate breakdown of my payment obligations moving forward I expect this matter to be handled promptly, as the situation appears to be the result of servicing failures beyond my control

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: AZ

Complaint narrative:
This complaint involves inaccurate debt collection and credit reporting related to an account with XXXX XXXX XXXX that was previously placed with Sunrise Credit Services. The balance associated with this account has been corrected by the original creditor and reflects a {$0.00} balance. The account has been resolved and should no longer be subject to collection activity. Despite this correction, Sunrise Credit Services continues to report and/or attempt to collect on this account as if a balance is still owed. I have made multiple attempts to resolve this issue directly and provided notice that the account has been corrected by the original creditor. I also requested written documentation confirming the status of the account and an explanation for why the collection account remains active despite the balance being resolved. This information has not been properly provided. The continued reporting of this account as an outstanding debt is inaccurate and is negatively impacting my credit profile and financial standing, including time-sensitive financial matters.

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 2026-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am reporting a fraudulent charge of over {$1100.00} on my Chase credit card, which occurred in XX/XX/year>. I reported the fraud to Chase immediately at that time. However, the issue remains unresolved. Recently, I have received collection calls and late fees related to this disputed charge, which is very concerning. I visited a Chase branch twice ( last Saturday afternoon and this Monday afternoon ) seeking assistance. Each time, I was asked to contact the fraud department by phone, but I was unable to reach a representative after waiting for a long time. I understand that fraud specialists may not be available on weekends, but no effective support was provided. I request that Chase remove all related charges and late fees, stop collection activity, and complete the fraud investigation as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-19 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I fell behind in XXXX and XXXX on payments. On XX/XX/XXXX they repossessed the vehicle at some point in the middle of the night. I enailed the loan servicer the next day in regards to my situation. I then spoke to them on the phone where I was looking at close to {$2000.00} to catch up. As a XXXX veteran i am on a fixed income and the payment wasn't going to be deposited soon enough to prevent the sale. So I messaged the loan servicer again about retrieving my belongings and never got a response

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
" } I am submitting this complaint regarding unauthorized transactions on my Chase Freedom credit card totaling {$890.00}. My account shows multiple transactions from different merchants, including XXXX, XXXX, XXXX, and XXXX, all within a short period of time. These transactions were not authorized by me. I reported these charges to Chase promptly after discovering the activity. However, despite being notified in a timely manner, Chase failed to initiate any investigation into these transactions. Chase did not : - Open a fraud or billing error investigation - Provide any written explanation of findings - Issue any provisional credit - Request additional information or follow up with me - Take reasonable steps to address the unauthorized activity The pattern of transactions across multiple merchants within a short timeframe is consistent with unauthorized use. This should have triggered a formal investigation under standard banking procedures. Under the Fair Credit Billing Act ( Regulation XXXX ), Chase is required to conduct a reasonable investigation when unauthorized charges are reported. In this case, Chase failed to meet that obligation. This complaint is not only about the unauthorized transactions, but also about XXXX failure to act after being properly notified. I am requesting that Chase : XXXX. Conduct a full and proper investigation into all disputed transactions XXXX. Remove all unauthorized charges totaling {$890.00} XXXX. Provide all documentation and findings related to the investigation XXXX. Explain why no investigation was initiated when the fraud was originally reported XXXX. Confirm what actions, if any, were taken after my repo

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2026-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2026-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am a documented victim of identity theft and filed an official Identity Theft Report with the Federal Trade Commission ( FTC Report XXXX XXXXXXXX ). The fraudulent accounts were opened without my knowledge or authorization and were specifically listed in my FTC Identity Theft Report. On XX/XX/year>, I submitted my FTC Identity Theft Report, proof of identity, and proof of address to the credit reporting agencies requesting that the fraudulent accounts be blocked from my credit file pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). Under this law, once a consumer reporting agency receives a valid Identity Theft Report and proof of identity, the agency must block the reporting of the fraudulent information within XXXX ( XXXX ) business days. Instead of blocking the fraudulent accounts as required by federal law, the accounts were marked as verified and continue to be reported on my credit file. No documentation demonstrating that I authorized these accounts has been provided. Because these accounts resulted from identity theft and are documented in my FTC Identity Theft Report, they should have been blocked pursuant to FCRA 605B. I am requesting that the fraudulent accounts be immediately blocked and removed from my credit file and that the credit reporting agency comply with the requirements of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: AL

Complaint narrative:
Dear CFPB : XXXX [ Elan Financial ] has committed several bank errors, and have caused extreme angst and inconvenience. Most recently, posting XXXX provisional credit for XXXX transaction that was repaid XXXX to XXXX in the amount of {$110.00}, and by placing XXXX provisional credits for XXXX transaction that was cancelled. Refund checks were mailed after their investigation, and after what I have endured, I WON'T BE REPAYING ANY MONEY BECUASE I DON'T OWE ANY MERCHANTS NOR XXXX [ ELAN FINANCIAL ]. They will have to adjust off their mistakes. I ATTEST, AFFIRM, AND CERTIFY THE INFORMATIN IS VERY ACCURATE AND VERY TRUTHFUL. XXXX Blessed WITH FINANCIAL SAFETY, XXXX XXXX XXXX MD PHONE : XXXX EMAIL : XXXX 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 non-monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding unauthorized transactions and lack of resolution from Cash App. On Saturday, XX/XX/XXXX, my Cash App account was compromised. Unauthorized transactions totaling approximately {$980.00} were made within a short period of time, which drained my account balance to {$0.00}. I did not authorize these transactions. On the same day I reported the issue to Cash App, my account was placed under review and I have been unable to access it since. When attempting to log in, I receive an error message stating XXXX connect this account. I have made multiple attempts to resolve this through Cash App support. I followed all troubleshooting steps provided, including reinstalling the app and attempting to log in using my phone number, email, and $ cashtag. None of these steps resolved the issue. Despite clearly reporting unauthorized transactions, Cash App has not provided : XXXX determination regarding the fraudulent activity XXXX. Information on whether the transactions will be reversed or reimbursed XXXX. A timeline for resolution XXXX. A way to verify my identity or access my account Instead, my case was closed without resolving the issue, and I continue to be directed to access support through the app, which is not possible due to being locked out. I am requesting : XXXX. A full investigation into the unauthorized transactions XXXX. Recovery or reimbursement of the {$980.00} taken from my account XXXX. Restoration of access to my account or an alternative way to verify my identity XXXX. A clear explanation of the outcome of their investigation This issue remains unresolved, and I am seeking assistance in obtaining a proper response and resolution. Following my attempts to resolve this through support, my account was suspended on XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
on XX/XX/year> I mailed a certified debt validation request letter to the registered agent for ability recovery services LLC on file with the Pennsylvania secretary of state. XXXX and a half weeks later it was returned undeliverable-invalid address. so they knowingly and intentionally filed an invalid registered agent location for service of process of legal documents. they violated several FCRA, fdcpa, and XXXX and Pennsylvania consumer rights laws. the address posted on credit bureau sites are for the corporate office and not the registered agent that's responsible for receiving and processing legal work.they are reporting inaccurate, unverifiable, and damaging information to XXXX major credit bureaus.

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 2026-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Professional Choice Recovery, Inc.
State: NE

Complaint narrative:
XXXX XXXX XXXX XXXX has repeatedly and improperly garnished my full paycheck through the use of bank levies on my direct deposit account. The most recent incident occurred on XX/XX/XXXX, when XXXX XXXX XXXX took over 70 % of my paycheck, which is approximately {$900.00} per month pre-tax income. This amount is below the threshold subject to garnishment and constitutes exempt income under Nebraska law. Despite this, the company has engaged in a pattern of repeated levies, taking my entire paycheck each time through immediate bank levies on my direct deposit, leaving me with no income and causing ongoing financial hardship. These actions appear to circumvent wage garnishment protections under XXXX. Rev. XXXX. XXXX on both exempt income and the legal % the company is allowed to garnish. Additionally, Professional Choice Recovery has failed to respond to multiple attempts to contact them and has not provided adequate validation of the debt despite my requests. During a prior garnishment, the court ordered the return of my funds on XX/XX/XXXX. However, the company delayed returning the funds for over XXXX months, despite the court order. Due to this repeated conduct, I have filed complaints with the Consumer Financial Protection Bureau and the Nebraska Attorney General 's Office in the past. I believe this conduct is unfair, abusive, and in violation of applicable laws, as the company continues to take my entire paycheck despite it being exempt income, ignores my attempts to resolve the issue, and has previously failed to comply in a timely manner with a court order. I am requesting : -Return of all improperly taken funds -Reimbursement of all bank fees associated with these levies -Cessation of further levies on my exempt income -Consideration of additional remedies or damages due to this repeated conduct -A formal review of the validity of the debt and the companys collection practices

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 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: CA

Complaint narrative:
I purchased an airline ticket with Capital One on XX/XX/year>. They took {$300.00} for the ticket with XXXX. There is however no ticket. XXXX insists there is no ticket and they were never paid for a ticket. I have e-mail proof from XXXX showing there is no ticket. Capital One travel owes me {$300.00} for a ticket they never provided. XXXX says there is no ticket. Capital One insists this is a matter with XXXX. It is not. It's a matter with Capital One which CAN NOT AND WILL NOT provide me with a ticket or a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I asked for a date Account was open. I asked for statements showing when purchases were made, and none of these items were sent to me and I asked for the contract.

Company response to consumer: Closed with explanation