vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX  is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc.
State: NY

Complaint narrative:
I am submitting this follow-up because the companys response confirms the funds belong to me but continues to withhold them without a lawful basis or a definite release date. 

In its CFPB response dated XX/XX/XXXX, XXXX XXXX confirms the following facts : My XXXX XXXXr account was opened on XX/XX/XXXX The loan was fully repaid and closed on XX/XX/XXXX Total payments exceeded the loan amount The remaining balance represents my accumulated savings, less interest and fees The funds are being withheld solely due to an internal review, not due to fraud, wrongdoing, or any allegation of illicit activity Self further states that its review process may take up to 90 days, but does not identify : Any specific deficiency in my documentation Any additional information required from me Any statutory or regulatory authority permitting a hold beyond 90 days Any definite date by which funds will be released As of today, the company has retained my funds for over 60 days since account closure and has not provided a clear or reasonable explanation for the continued delay. 

The 90-day review period, measured from the account closure date of XX/XX/XXXX, concludes on XX/XX/XXXX. Continued withholding of my funds beyond this date would constitute an unreasonable delay of consumer funds without legal justification. 

I am requesting that the CFPB require XXXX XXXX to : 1. Confirm the operative start date of the review period as XX/XX/XXXX 2. Release the remaining account funds promptly upon expiration of the stated 90-day period 3. Provide a clear explanation of the legal authority relied upon if the funds are not released I am not disputing the loan terms, payment history, or fees. This complaint concerns only the prolonged retention of my funds after full repayment and account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a Chase credit card account with a revolving balance and automatic/scheduled payments set up through the Chase website/app, pulling from my external bank account ( XXXX ). This payment profile worked reliably for several months prior to the issues described below. 

On XXXX separate occasions, Chase marked scheduled payments as " returned '' by my bank and assessed a {$29.00} returned payment fee each time : XX/XX/year> XX/XX/year> XX/XX/year> At the time of each attempted payment, my XXXX account had sufficient funds available. Upon contacting XXXX, they confirmed they have no record of Chase initiating any ACH withdrawal attempts for these payments, nor any declines, returns, or related activity on their end that would explain the returns. 

When I contacted Chase customer service by phone regarding these incidents, representatives were unable to provide any details or explanation during the calls. They stated that a letter with pertinent details ( including the reason for the returns ) would be mailed to me, but no such letter ever arrived. 

Manual/one-time payments using the same stored payment profile succeed without issue ( e.g., immediate payments through the Chase site or payments to other credit cards ). This indicates the bank account and routing information are correct and not the cause of the problem. The failures appear limited to automatic/scheduled payments for this specific Chase credit card, suggesting a potential glitch or error in Chase 's automated payment processing system.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: NH

Complaint narrative:
In XXXX I requested a credit card with a balance transfer of {$4400.00} because the credit limit was {$4800.00} and the transfer would cost {$130.00}. After waiting a month for the transaction to post I called to find out why it had not transfered. They said I needed to give them my other banks account number. I told them I gave them my credit card number which is where the transfer should go. They asked for my checking account number. I didn't know why they needed this but gave them the number. Throughout the day I decided to just cancel the US Bank account. Right after I canceled the US Bank account I viewed my other banks checking account and the {$4400.00} was there. I called USBank and asked if they could reopen my account. They said we need a written letter requesting this. I sent a letter that day. I called a few times to see if they received it but they said they didn't have it until today. I asked if my account will be reopened they said no it was denighed but I still have to pay the transfer fee because the transfer took place. This has been an unusually negative experience that cost me a considerable amount of time and effort. Why should I have to pay this transfer fee if I am not able to use the funds?

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 2026-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: GA

Complaint narrative:
I am filing a complaint regarding repeated and ongoing errors in how my federal student loan servicer has handled my in-school deferment. 

I have been continuously enrolled in eligible degree programs since XX/XX/XXXX : Full-time XXXX enrollment from XXXX XXXX XXXX XXXX enrollment from XX/XX/XXXX to the present With the exception of my current final semester, all graduate terms were full-time. In my current semester, I am enrolled in XXXX credits, which my institution formally defines as half-time enrollment for graduate students. My school has certified this status for federal financial aid and has reported my enrollment to the XXXX XXXX XXXX. 

Despite this, my servicer has repeatedly removed my in-school deferment, provided conflicting information about my repayment status, and, most recently, issued a repayment due date of XX/XX/XXXX. At the same time, individual loan records continue to show deferment through XXXX, indicating internal inconsistency. 

I have submitted multiple in-school deferment requests throughout my XXXX program, and my institution has confirmed that my enrollment has been accurately reported. I was also informed by a servicer representative that my deferment had been approved, only to later receive notice that it was denied due to incorrect claims that no enrollment exists after XXXX. 

This is factually inaccurate and has occurred multiple times during my XXXX program.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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:
I dispute the accuracy of these accounts and request deletion under the FCRA.

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 2026-01-02 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: OR

Complaint narrative:
XXXX XXXX merged with Rocket Mortgage. Now I can't log into my account. I've called customer service several times, but they can't help me. This is turning into a significant problem. If you XXXX XXXX XXXXRocket Mortgage, you will see that many people are having problems. The mortgage company can withdraw money from my bank account, but they can't fix the login problem. 

My escrow has been increased, but I can't log in to see the new monthly amount due. 

This smells fishy. Thank you for all you do. Keep up the great work.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
Comenity Bank sent me a late notice to my email. I get hundreds of emails every day so I missed the email. I called the bank and promptly paid my bill and ask them to credit the late fee. Although they credited the late fee, they told me they switched me to email invoices, because they are charging me {$2.00} per month plus interest if I receive paper invoices. 
Comenity Bank Charges over 30 % interest already making a fortune off of consumers. Why are banks permitted to charge additional fees for postage? The person I spoke to send, not her decision and that I can get email invoices or pay the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am requesting a review of how a Capital One credit card account is being reported to the credit bureaus. 

This account was opened in XX/XX/XXXX and was closed in XX/XX/XXXX with a reported balance of {$0.00}. During XXXX, the account reflects several late payments during a period of financial hardship. The account has since been fully resolved and has not had an outstanding balance for several years. 

I previously contacted Capital One directly by written correspondence requesting a goodwill review and clarification of the continued reporting of late payments on this closed account. I did not receive a response or resolution. 

I am not disputing ownership of the account or the reported balance. I am requesting a review of the accuracy, completeness, and fairness of the continued reporting of multiple late payments on a closed, settled account given the age of the account, its resolution, and my improved payment behavior since that time. 

I respectfully request that Capital One review this matter and make any appropriate corrections or adjustments to the late payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I requested a credit increase on a new card. This card replaced a card that was compromised yet, did not have the equivalent credit line as the cancelled card. 
I requested that be fixed and since then ( XX/XX/XXXX ) I have gotten hundreds of calls from loan shark type third parties citing my " recent request for a $ XXXX loan. '' The $ XXXX number comes from the request to raise my credit limit from $ XXXX back to the $ XXXX limit on the former ( now cancelled ) credit card. 

This is a Bank of America product and the request was made through and fulfilled that same day by Bank of America. 

I have not applied for credit, a loan, a student loan, a payday loan, a mortgage or any other financial product from any company since XXXX. Therefore, after nearly a year of harassment and placing my number on the do not call list every month to no avail, I am filing this claim and considering legal action against Bank of America.

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 2026-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I am disputing the credit reporting of Midland Credit Management for the following accounts that Midland is furnishing on my consumer credit reports : MIDLANDCRE The original creditor, XXXX XXXX XXXX has provided written confirmation that : They are no longer the creditor The accounts were charged off and sold They report a XXXX balance They disclaim any authority over Midlands reporting They can not verify Midlands tradelines Because XXXX has disclaimed any legal authority, Midland is now furnishing data without verified legal standing, chain of assignment, or documented right to report.

Under FCRA 15 USC 1681s-2 ( a ) and 1681s-2 ( b ), a furnisher must have verified legal standing, chain of custody, and documentary authority to report consumer data. 

Midland has not provided : Original signed contract Chain of assignment Bill of sale showing my specific accounts Purchase schedule identifying my accounts Proof of ownership Proof of permissible purpose Therefore Midland is furnishing unverifiable and inaccurate tradelines in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/year>, a charge of {$11000.00} appeared on my American Express account for a purchase from The XXXX XXXX. I did not authorize this charge as described, and I raised a dispute with American Express immediately. 
American Express initially closed the dispute without providing any explanation or access to the merchants evidence. I requested the full decision letter and all supporting documentation submitted by the merchant, but they did not provide it. Written statements alone were deemed insufficient, and there is no option to escalate or request a supervisor review. 
The dispute reason selected is Goods received not as described, but I was not given the opportunity to provide documentation or evidence of misrepresentation or deceptive practices. I am concerned that the dispute process is not allowing me a fair review and that I may be forced to pay a charge I did not authorize. 
I am seeking CFPB assistance to ensure that American Express provides the merchants evidence, fully reviews my dispute, and allows me to resolve this matter without being held responsible for the charge while the investigation is pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Stellantis Financial Services US Corp.
State: OR

Complaint narrative:
First on the XXXX I was quoted the wrong pay off amount. Then on the XXXX had to pay another XXXX to pay off car. I have called 5 times to get a paid in full letter. Been told 4 different things from 4 people. Doing a credit rescore for a home loan. Nobody will help me with the letter, been denied a supervisor.

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 2026-01-02 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: FL

Complaint narrative:
I filed XXXX XXXX bankruptcy on XX/XX/year> and case was DISCHARGED on XX/XX/year>. Chime Financial froze funds ( {$3200.00} ) in my account on XX/XX/year> because they say funds were under control of court appointed trustee. This is incorrect and they froze account post discharge which is contrary to bankruptcy code. 
The only recourse Chime Financial has provided is to have court appointed bankruptcy trustee contact customer service. Case was discharged and there is no longer a trustee assigned to the case. 
I have spent hours on the phone with Chime Financial customer service to seek resolution of this matter without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc.
State: FL

Complaint narrative:
My business account with Mercury was closed while holding funds in the amount of {$75000.00}. Mercury claims these funds were returned to XXXX as part of a fraud wire recall accompanied by a hold harmless letter. 

However, I personally verified with XXXX XXXX and with XXXX Wire Transfer Department that : My XXXX account was already closed at the time of the alleged transfer ; No incoming wire was received ; No fraud recall exists in my profile ; No hold harmless letter exists ; No wire trace, XXXX, or XXXX reference exists in Citibanks system. 

Mercury refuses to provide the wire transfer tracking information ( Fed reference / wire trace ) and has stopped responding to my requests. 

As a result, {$75000.00} is currently unaccounted for, and Mercury has failed to meet its obligation to trace and return my funds or provide legally required transaction records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: Block, Inc.
State: NJ

Complaint narrative:
I sent my son a cash app in the amount of {$60.00} on XX/XX/XXXX at XXXX pm to put gas in his vehicle. Since cash app requires the " reason '' for any transaction I put in the " For '' XXXX {$60.00} for gas XXXX XXXX. That is the amount, the gas station and the grade of gas. It has not been released to him or given back to me. I was sent an email from cash app on XX/XX/XXXX questioning me about the transaction stating I sent a transaction on XX/XX/XXXX with " XXXX '' in the subject line. That is incorrect the transaction was on XX/XX/XXXX as I stated and the full description was more than just " XXXX '' as the email indicates. However, I responded to the email on XX/XX/XXXX as instructed. I spoke to a representative on XX/XX/XXXX who told me that they can respond whenever they feel like responding. This is unacceptable and unlawful as far as I am concerned. My son called on XX/XX/XXXX and was told I needed to call in, I called and spoke to a rep and she told me she would log my complaint. My funds have not been released to either my son or myself and this again is not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
This company has contacted me multiple times in the past Ive explained I can not pay back the debt and they said ignoring them wont stop them and theyve threatened to shuffle the debt to their legal department

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: GA

Complaint narrative:
CREDIT CNTRL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT CNTRL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
Account was sold to collection agency and was placed on my credit report as collection. At the same time Ally XXXX had me set up recurring monthly payments to pay for vehicle. I cant pay both Ally and the collection agency at the same time for the same account. I need them to take account out collection and report to the credit bureaus the updated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: OneMain Finance Corporation
State: SD

Complaint narrative:
I keep receiving text messages from the phone number : XXXX. They state " This text is from XXXX XXXX, a debt collector regarding your OneMain Financial Group, LLC ( for which the current creditor is XXXX XXXX, XXXX ) ... '' I receive a text message every other day at around XXXX each time. I have received a total of XXXX messages so far, starting on XXXX XXXXXX/XX/XXXX, until today, FXXXX XXXXXX/XX/XXXX. The message never states what the debt is for. Some of the messages include a number they are claiming to be my outstanding balance. These numbers vary, with XXXX being in the XXXX XXXX and XXXX in the XXXX XXXXXXXX. They are now offering me different payment options such as a lump sum or a XXXX  month payment plan. I do not have this debt. I believe it to be a scam. I'm just trying to report them so that they stop scamming people. From a XXXX search, I see many others are experiencing the same scam.

Company response to consumer: Closed with explanation