vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This company CCS has sent me a letter after disputing a debt, that they would post XXXX  my credit report if I didn't pay now. I sent them a dispute response on the XXXX  letter they sent now they are sending letters threating my credit. 

This is not my debt XXXX  I will not pay them anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX AZ. XXXX Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Re : * Violations 15 USC 1682 ( e ) ( b ) cancel debt Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, You are not the original creditor and you have Violations. 

* 1st Dispute : Charge Off XX/XX/XXXX, cancelled debt * Debt Validation letter : XX/XX/XXXX * 2nd Dispute:10/25, 1099c for years XXXX, ( I never received the 1099c ) The Following information is required, please fill out the form below in its entirety. 
A. The Forward flow Agreement B. Chain of Assignment valid documentation C. The Account Level Documentation. 
* Your company said I allegedly owe you money. Validation of the debt that Is, the actual accounting. 
1. Verification of The Original signed Obligation from me to XXXX XXXX XXXX, Not a bill Not a invoice. 
2. A copy of the Contract binding both parties ( you and them ), in a letter by Certified mail so that there is an independent witness to it having delivered. 
3. Name and address of the Alleged creditor 4. Name on file of the alleged creditor 5. Alleged Account number 6. Amount of the alleged debt AND total debt discharge on taxes for XXXX and 1099c 7. Date this alleged debt became payable. 
8. Date of original charge off and delinquency 9. Amount paid for debt purchased. 
10. Commission for debt if collection efforts are successful. 
Your Claim can not and WILL NOT be considered if ALL A, B, C and 10 questions on this original form are incomplete. Please return this form along with ALL requested original contract and documents. This is the final request for Validation made pursuant to the Fair Debt Collection Practices Act. 
You have 14 busy days to respond or Removed this account from my credit bureau file ( s ). 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I deposited a XXXX XXXX distribution check into my Chase checking account via ATM on XX/XX/year>. 

The check was issued by XXXX and drawn on XXXX XXXX. XXXX has confirmed that the check has already cleared on their end, and XXXX XXXX has confirmed they are not holding any funds. 

However, Chase has placed an extended hold on the deposit and refuses to release any portion of the funds, even after I explained that this is causing financial hardship and I need the money for essential bills. 

I have contacted Chase, XXXX, and XXXX XXXX multiple times. Each institution says the issue is not on their end, but Chase continues to hold the funds and has not provided a meaningful explanation or accommodation. 

I am requesting an immediate review of the hold and consideration for early or partial release of the funds due to hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 


XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX 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 explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: IN

Complaint narrative:
I've had this car and made {$610.00} payments for the last 2 years and only a couple XXXX dollars had reflected on my loan at the rate that I'm paying now it'll take me 10 years to pay off this loan that was originally a 60 month loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Zions Debt Holdings
State: TX

Complaint narrative:
I sent a certified mail explicitly asking for mail communications which thy never answered with the information I requested and they continue to harass me thru email and text message

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 2026-02-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I requested that Navy Federal Credit Union auto loan account that went delinquent in 2014 to provide proper documentation the month and year car was repossessed, last payment and resold amount at auction Navy Federal bank credit union never responded or removed negative remarks from XXXX XXXX XXXX XXXX Credit Reports stating The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( Section 605 ), requires that negative information, including repossessions, be removed from credit reports after seven years from the date of the original delinquency. Additionally, 15 U.S.C. 1681i mandates that unverified, inaccurate, or obsolete information must be removed upon investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: CO

Complaint narrative:
On XX/XX/year>, I submitted a dispute with Netspend for unauthorized transactions totaling {$1900.00}. These transactions occurred while I was incarcerated and did not have access to my card, phone, or account. I could not have authorized or benefited from these transactions. 
Netspend acknowledged the dispute at that time by marking my card as lost/stolen and issuing a replacement card. On XX/XX/year>, I followed up through their messaging system to confirm the dispute was received. I have screenshots showing the submission date and confirmation. 
I received no further communication until XX/XX/year>, when I was told that Netspend had no record of my XX/XX/XXXX dispute. Instead of continuing the original dispute, they initiated a new dispute during that call, effectively restarting the investigation timeline. 
While I was on the phone with a supervisor, I observed the transaction description change from provisional credit to returned merchant transaction. This occurred in real time without explanation. 
Netspend credited only {$410.00} of the total {$1900.00} disputed amount and denied the remaining {$1500.00}. I was not provided documentation of the original XX/XX/XXXX dispute, a full copy of the investigation findings, or a clear explanation supporting the denial of the remaining funds. 
I am requesting reimbursement of the remaining {$1500.00} and documentation of the investigation and denial decision.

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 2026-02-16 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am filing a complaint regarding Barclays XXXX XXXX Banks handling of a XXXX merchandise dispute. 

On XX/XX/XXXX, I paid a {$6500.00} deposit for a custom furniture order. The remaining {$6200.00} was charged on XX/XX/XXXX prior to delivery on XX/XX/XXXX. 

At delivery, the home was closed with hurricane shutters and lighting conditions were extremely limited. A full inspection was not reasonably possible at that time. A visible crease in the leather was noted at delivery. 

After reopening the home for the season, additional defects were discovered on XX/XX/XXXX, including a cut in the leather and other nonconforming issues. The merchant was notified and refused to provide a full refund. 

I notified Barclays on XX/XX/XXXX 32 days after discovering the defects and explicitly reported the merchandise as defective and not as described. 

Barclays denied the dispute stating that notification was not received within two statement cycles after the charges appeared on the monthly statement and that the timeframe to assist had expired. 

This dispute involves defective merchandise with delayed discovery, not a billing error. Barclays applied Fair Credit Billing Act billing error timing rather than XXXX merchandise dispute provisions. 

I am requesting written clarification of the XXXX reason code and timeframe applied to deny both related disputes and reconsideration under XXXX defective merchandise/ not as described provisions.

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 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc
State: IL

Complaint narrative:
I am submitting this complaint regarding Chimes failure to properly release funds from my closed savings account in a timely and accessible manner. 

After my account was closed, Chime issued a closure check for the remaining balance of {$2700.00} in XXXX. I attempted to cash the check twice once at XXXX and once at XXXX Bank and both attempts were declined. 

I contacted Chime about the issue, and on XX/XX/year>, I received an email stating : I appreciate you for providing your proof of address, and I want to let you know that I already requested to reissue the check and will surely reach back to you once the check has been successfully mailed out to your confirmed address. 

Please take into account that the closure check may take up to 14 days to process, and up to 30 days for it to be delivered to the address that you have on file. 

I waited as instructed. On XX/XX/XXXX, I called Chime for an update and was informed that my check was not eligible for a refund. This was inconsistent with what I had previously been told, especially considering they had already reissued the check. 

It has now been nearly three months that I have been unable to access my funds totaling {$2700.00}. I have made multiple attempts to resolve this directly with Chime, but I have received conflicting information and no clear resolution. 

I am requesting the CFPBs assistance in ensuring that Chime promptly releases my funds in a form that can be successfully deposited or cashed without further delay. 

Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
The amount of {$1100.00} from Eastern XXXX company does not belong to me as I did not sign a lease at the residents nor did I open an account there. XXXX XXXX  was aware of the damage on the property and was ticketed and required to fix the damage. They did not and according to the resident this caused a spike in utilities. They were informed they wouldnt be responsible for the spike however now its reporting on my credit. I asked all the credit lenders to send prove of me opening this account and they did not. I have never missed payments on anything and this is hurting my credit and Ive been disputing it for months

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WLCC
State: NY

Complaint narrative:
On XXXX I requested to not be contacted regarding a debt they think I owe. 
They acknowledged that same day I would no longer be contacted. On XXXX I received 2 phone calls regarding debt collection again. I emailed them telling them they are harassing me and to stop contacting me once again. I then again received another email XX/XX/year> with another collection attempt. At this point they refuse to stop contacting me and are harassing me and making no attempt to quit communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
On Monday, XX/XX/XXXX, I became aware that I was unable to connect to my Regions bank account in order to pay my bills. This is all I normally use my account for. I chatted with the help center, they told me that there was a hold on my account. I asked for what, and they told me they did not have permission to view that information. I then went to my local branch in XXXX, AL around XXXX XXXX  CST and spoke to the banker XXXX. She said she was unable to do anything on her end, and messaged corporate through her portal. The corporate portal advised her to tell me that within the next three days, they would be putting something in the mail explaining everything, but until then, I was not allowed to have any access to my accounts. This was frustrating as it answered nothing and bills were due the next day - I was given no warning. My parents and I then called Regions corporate about XXXX XXXX  CST. We received a similar answer from the first customer service rep, who then transferred us to a manager. This manager, XXXX, was only able to tell us that it was a third party investigation involving a bankruptcy with my address and I was not allowed to know anything else. She was daftly unprofessional, and she said she would submit a complaint for us and we were welcome to submit a complaint with the local branch as well. On Tuesday, XX/XX/XXXX I spoke with XXXX at the XXXX branch via phone around XXXX XXXX  CST to file a complaint as she never called me back with information and it was what XXXX  had told me to do. On Wednesday, XX/XX/XXXX around XXXX XXXX  CST, I asked Regions help center if the complaints had been filed - only the one I called in had. XXXX  at corporate never filed the complaint, I'm still locked out of my account with no information having been provided and awaiting the information in the mail.

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 2026-02-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Hanwha QCells USA Corp
State: TX

Complaint narrative:
Financed a {$46000.00} solar system with XXXX XXXX through EnFin/XXXX  XXXX  XXXX . Sales rep promised 30 % federal tax credit as a refund check to offset costs. Credit is nonrefundableno cash refund, only tax offset. Loan has low payments first 18 months ( ACH ), then significantly increases starting month 19 unless large prepayment madewhich the promised refund was supposed to cover. This structure was not clearly disclosed. Salesman deflected when confronted

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am receiving repeated calls regarding an alleged debt, yet no voicemails or messages have been left, making it difficult to verify your claims or respond appropriately. My credit score keeps getting impacted due to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have had a vehicle financed through Regional Acceptance for over XXXX years and had had numerous issues with them not applying my payments in a timely manner, or claiming not to get them despite receiving checks directly from my bank, XXXX XXXX XXXX XXXX. 

During the last few months, I have been in contact with Regional Acceptance do to having difficulties with making payments do to health issues. For the most part, my interactions have been positive as Ive kept communication open as I had requested extensions to my loan in order to protect my credit.

In the past, Ive had multiple issues with Regional Acceptance claiming that they havent received payments on time. Ive had checks sent directly from my bank, and theyve claimed that they werent received close to a month after being sent. This results in Regional Acceptance charging me a late fee. Theyve done this several times, and it appears that this is done on purpose.

I have attempted to get my statements from the Regional Acceptance App, but it requires you to verify your email. However, I cant get the verification email sent to me. When Ive spoken to a representative on the phone, they redirect me to the app that isnt functioning properly. 
. 

As of today, they are once again claiming that they havent received my payment, sent directly from my bank, 10 days after it was sent. I attempted to reach out to the representative that I had spoken to a few weeks ago at the number provided in her email. The person that answered the phone was incredibly rude from the beginning of the conversation. She refused to connect me to the representative stating that she didnt know who that was.

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 2026-02-16 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Own Up Holdings, Inc.
State: SC

Complaint narrative:
i went to own up website and it asked several questions and when i answered how much my current mortgage was i was denied as i didn't owe enough ( XXXX ) and this was the response. It is violation of my civil rights.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: World Acceptance Corporation
State: GA

Complaint narrative:
THE LOAN WAS PAID IN FULL ON XX/XX/year>, AS OF TODAY 'S DATE I HAVE NOT RECEIVED THE TITLE TO THE VEHICLE THAT WAS USED TO SECURE THE LOAN.

Company response to consumer: Closed with explanation