vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
am filing this formal complaint against American Honda Finance Corporation ( AHFC ) for Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) and a direct violation of the XX/XX/XXXX CFPB Consent Order ( XXXX ). XXXX is currently refusing to investigate a documented dispute and is willfully ignoring a life-safety emergency. On XX/XX/XXXX, an AHFC agent ( XXXX XXXX ) committed a criminal Breach of the Peace under XXXX XXXX XXXX by coordinating an illegal box-in, high-speed reverse vehicular assault and pursuit against me while I was inside my vehicle. This incident is an active investigation with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite being on formal notice of this assault and my resulting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AHFC XXXX XXXX admitted on XX/XX/XXXX, that they are 'actively pursuing " self-help repossession options and refused to confirm my safety. AHFCs agent further admitted to the XXXX XXXX XXXX that they 'wiped " dashcam footage of the assault after being put on notice of the claim. Although Hondas repossession agent ( XXXX XXXX ) informed the XXXX XXXX that their own dashcam footage has been 'wiped, ' I have successfully located and verified multiple XXXXparty surveillance cameras from neighbors at the scene of the initial assault and along the path of the high-speed pursuit. These independent video recordings directly contradict the 'wiped ' evidence and prove the coordinated vehicular strike and the subsequent reckless chase. There is also an eye-witness to the initial assault and subsequent chase. This XXXXparty evidence has been noted for the formal supplemental police report and the ongoing State investigation. AHFCs refusal to issue a Cancellation Reference Number while their agents continue to stalk an injured victim demonstrates a continued pattern of the bad-faith misconduct for which they were recently fined {$12.00} XXXX. I am demanding that AHFC immediately cancel the repossession order and provide a written 'Hard Kill " confirmation to ensure my physical safety. This predatory action is especially egregious as my XXXX loan was set to mature and be fully paid in XX/XX/XXXX. I have invested nearly XXXX months of timely payments into this vehicle, giving me significant equity. Hondas decision to authorize a violent, non-judicial repossession attempt just months before the transfer of title demonstrates a bad-faith effort to seize a high-equity asset through intimidation and physical force, rather than following standard consumer protection protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Certified mail sent on XX/XX/year> requesting proof in the form of debt validation. Signed agreement between me and creditor. I demanded the harmful information be removed unless information was provided so have not received any information. Therefore the erroneous account must be be removed form all reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: SOFI TECHNOLOGIES, INC.
State: TN

Complaint narrative:
I am a victim of fraud. A {$600.00} charge occurred in XXXX XXXX, while I was physically at work in XXXX XXXX I provided SoFi with my official employer time logs which is XXXX XXXX and a separate purchase receipt in XXXX at the same time as the fraud. SoFi denied my dispute claiming an 'authenticated device ' was used, ignoring the physical and geographic impossibility of me being in XXXX cities at once. They have closed the case despite conclusive evidence of error. Also the submitted XXXX timesheet is a XXXX-party verified record used by my employer for payroll and XXXX-verified attendance, making it an official business record of my physical location. The fraudulent transaction occurred in XXXX, XXXX, which is approximately XXXX miles ( a XXXX XXXX ) from my verified location at work in XXXX XXXX My clock-in/out records and a separate banking receipt prove I was in XXXX during the window of this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am submitting this complaint regarding the denial of my dispute for fraudulent transactions totaling {$5100.00} on my Chime account. On the date of the incident, I was contacted by an individual impersonating a Chime representative. The individual falsely claimed that I had won a {$10000.00} WhyIChime sweepstakes and used convincing, misleading information to gain my trust. I was directed to a fraudulent website designed to appear as an official Chime platform and was instructed to provide personal information to verify my winnings. Under this deception, I provided sensitive information including my email address, phone number, last XXXX digits of my Social Security number, debit card details, full address, and a verification code sent to my phone. I now understand that this information was used to gain unauthorized access to my account. Shortly after, I was logged out of my account without realizing it, and the following unauthorized transactions were made : * {$2000.00} sent via Pay Anyone transfer to an unknown individual ( XXXX XXXX ) * {$2900.00} and {$190.00} sent to another unknown individual ( XXXX XXXX ) These transactions were not authorized by me. They were the direct result of fraud, impersonation, and unauthorized account access. I did not knowingly initiate or approve these payments. I filed a dispute with Chime, but my claim was denied on the basis that the transactions were authorized. This conclusion is incorrect. Any apparent authorization was obtained through deception and fraud, which should qualify as unauthorized under the Electronic Fund Transfer Act ( Regulation E ). I am requesting that Chime : XXXX. Reopen and conduct a thorough reinvestigation of my case XXXX. Provide a detailed explanation of how this fraud was classified as authorized XXXX. Reimburse the full amount of {$5100.00} I am prepared to provide additional supporting documentation, including evidence of the scam and a police report if required. This situation has caused significant financial hardship, and I am seeking a fair resolution in accordance with consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: GA

Complaint narrative:
I am filing a complaint against Revco Solutions regarding an alleged debt from XXXX & XXXX that does not belong to me. I have never lived in New Jersey and have never had an account with XXXX XXXX XXXX. This same account has been disputed previously, yet it continues to be sent to collections. I sent a formal written dispute on XX/XX/year> requesting validation of the debt. As of today, I have received no response and no validation. This is a repeated attempt to collect a debt that is not mine. I am requesting that this account be removed immediately and that all collection activity cease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Stellantis Financial Services US Corp.
State: NC

Complaint narrative:
Hello, I leased a XXXX XXXX XXXX XXXX XXXX XXXX. I returned the vehicle to the XXXX company because it kept breaking down and according to the XXXX Lemon law this car is considered a Lemon. Based on the XXXX Lemon law : the car has to be under XXXX yr old Less than XXXX miles been in the shop for the same thing at-least XXXX times and in the shop for more than XXXX consecutive weeks and this has been my case for XXXX months I had the car for about XXXX months and out of the XXXX months the car was in the shop over XXXX time with with only XXXX miles on it. Which was over XXXX months of time in service. So, the XXXX service XXXX asked me to have the finance company sell the car bac to the manufacture because they could not promise me that it would not have issues again. When I did that the finance company picked up the car and sold it in an auction. I leased the car for XXXX with a XXXX rebate meaning that there was XXXX. They sold the car for XXXX and trying to say that I owe them XXXX for a car that XXXX book value is only XXXX. Now, They have a repo on my credit for XXXX when I don't owe them that and It was only returned to them because of the trouble that I was having with the car and with the advise of the service XXXX at the XXXX Dealership Please HELP

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 2026-04-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX midnight Santander consumer had a tow truck come out and haul our ONLY VEHICLE AWAY. We were behind XXXX due to a loss of job we did advise said company and did make good faith payments. XXXX XXXX job but didnt pay much but we still paid until those payments just did not cut if for them but all we could afford with all other bills as well. Due to this I have now lost the job I had because I have absolutely NO WAY to work! No job no money to pay for this and they continue to harass us. We are trying to stay afloat and look for jobs but is hard when we cant really get to an interview unless we call someone in hopes they can take time out of their day to get us to where we XXXX need to go. We have no vehicle no means of transportation of any kind and now our family is seriously suffering.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MN

Complaint narrative:
On XX/XX/XXXX, I sent {$210.00} to my friend 's old XXXX account, except it wasn't my friend 's account because the phone number associated with that account is no longer my friend 's phone number. I told this to several different XXXX support people and was told to request to refund it, and the request was denied. I asked my friend if they could get back into their old account and since they no longer use that number, they could not accept my request to refund it. I am not sure who it was that denied my request, but I tried to dispute that with XXXX and they did nothing. Then I tried Chime which is what I use for my checkings and savings accounts, they also said they couldn't help me. I want to know who it was who took that money, that's a lot of money and I am very poor. Please help me and I have to sue, I will.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
Synerprise Consulting Services violated my consumer protections by failing to disclose the debt, failing to send Validation Letter, did not attempt to contact me either through phone or email. Synerprise Consulting Services unnecessarily harmed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: KY

Complaint narrative:
Transworld systems Inc. ( TSI ) has reported a debt in collections on my credit report. The debt in question was paid off through the company, XXXX ( i have email proof with receipt ). The debt reported in XXXX. But paid off with XXXX in XXXX. But the Debt collection remained open until XXXX. When I call XXXX about this matter they have no idea who TSI is, and dont work with them. When I call TSI they say its from XXXX. TSI refuses to call me back, email me any information, send me any letters in the mail about this situation. When I do call, they just loop me in circles saying nothing, and then when I ask for a manager, they're always conveniently in a meeting and cant speak with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: IL

Complaint narrative:
THIS ACCOUNT DOES NOT BELONG TO ME AND WAS REPORTED IN ERROR. I HAVE NEVER OPENED, AUTHORIZED, OR HAD ANY AFFILIATION WITH THIS ACCOUNT. I AM FORMALLY DISPUTING THIS ITEM AND REQUEST A FULL INVESTIGATION AND PROPER VERIFICATION. IF IT CAN NOT BE VALIDATED WITH COMPLETE AND LEGITIMATE DOCUMENTATION, IT MUST BE REMOVED IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Concord Servicing Corporation
State: GA

Complaint narrative:
I am filing a formal complaint regarding inaccurate and inconsistent credit reporting and failure to properly validate an alleged debt. The accounts in question are : - Concord Servicing LLC ( timeshare-related account ) - XXXX Collection Services on behalf of XX/XX/XXXX These accounts appear to be related to the same underlying obligation, yet they are being reported with conflicting and inconsistent information across my credit report. Specifically : - The balances reported by each company are different for what appears to be the same debt - The account statuses are inconsistent ( XXXX listed as closed while another is actively in collections )- There is no clear or verified documentation showing how the balances were calculated - I have not received proper validation of the debt despite requesting it This inconsistent reporting raises serious concerns about the accuracy and compliance of these accounts under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I formally requested validation and investigation from the companies involved, including : - Proof of the original signed agreement - Full payment history - Itemized breakdown of the balance - Proof of legal assignment or transfer of the debt To date, I have not received sufficient documentation to verify the accuracy of this debt. Additionally, the continued reporting of conflicting balances between XXXX entities for the same alleged obligation constitutes inaccurate and misleading credit reporting. This has negatively impacted my credit profile and ability to obtain financing. -- - Requested Resolution : I am requesting the following : XXXX. A full investigation into both accounts XXXX. Proper validation of the alleged debt XXXX. Correction of any inaccurate information XXXX. If the debt can not be fully verified and reconciled, immediate deletion of these accounts from my credit report -- - I expect both companies to comply with federal law and ensure that only accurate, verifiable, and consistent information is reported. I am prepared to pursue further action if these issues are not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/year>, at XXXX I received an alert from Fifth Third that my contact information had changed. I did not make this change and worried that someone had accessed my bank account information. I logged into my account and confirmed my address and phone number were correct. I then removed phone numbers, XXXX of which I did not recognize. I tried to change my password, but the system would not let me. It told me to call XXXX. I called - there is no option for alerts being received. Fifth Third makes you choose an account which then sends you down a rabbit hole of information about your account that has XXXX bearing on the notification of personal info being changed. I ended up with the fraud department by telling the system my card was " lost ''. Spoke with XXXX who told me the alert I received at XXXX was auto generated by the Bank to ensure the phone number on record was the correct phone number. I told her that did not make sense. Why would XXXX ask me to call the number if I did not make a change only to tell me it was just a test to ensure my phone number was correct. XXXX was irritated with me, spoke over me, and clung to fact that " nothing changed in the system '' until I removed those XXXX numbers. If the Bank was " confirming my phone number '', then why did I also receive an email from them advising my contact info was changed? Something is glitching their system and causing alarm! This is the second time this has happened with XXXX resolution. In addition to this alert, on XX/XX/year>, I received an alert from Fifth Third that my SSN had been changed. I did not make the change. I immediately called them- had to call multiple times due to horrible customer service. Was transferred multiple times. Nobody was able to explain where/when my XXXX had changed or why I received the alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
seeking guidance on a potential claim involving bank liability and a trust account. In XXXX, I established a revocable trust after raising concerns with my attorney that my husbands behavior had become unusual. My understanding was that the trust would provide safeguards and prevent either of us from acting independently in a way that could jeopardize our assets. In XXXX, without my knowledge, my husband transferred approximately {$1.00} XXXX from his IRA into a Bank of America account held in the trust, and then moved the funds to XXXX XXXX XXXX. From there, the funds were ultimately sent to what has since been identified as a fraudulent cryptocurrency scheme. The Federal Bureau of Investigation is currently investigating. What is especially concerning is that both banks reportedly questioned the transactions and indicated potential fraud concerns, yet the transfers were still processed. I was never notified, despite being a co-trustee on the account. I am trying to understand whether the banks may have failed in their responsibilities by allowing these transactions to proceed despite apparent red flags, and whether the structure or execution of the trust may have contributed to this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Midland Credit Management called me last month about a false allegation of my wife owing a debt to them. I filed a complaint with CFPB in XXXX. Today I get a phone call and they didn't identity themselves as debt collectors and kept telling me my birthday was on a different day, which was false. They gave me inaccurate information about a previous address but had my name correct. They said owed money on an account that was from a company I do business with but I owe them nothing. Once I started recording the phone call, the man wanted to hang up. The matter was closed with CFPB but a month later, they STILL called me even though all communications were supposed to cease. You need to sue them for breaking the law and harassing me. I have serious health issues and the stress is having a dire effect on my condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute a fraudulent account that has been reported on my credit file. The account in question is listed as a XXXX XXXX account, account number ending in XXXX, with a reported balance of {$6700.00}. This account is not mine, and I did not authorize or open it under any circumstances. My identity has been compromised, and I have taken the necessary steps to document this crime. A police report has been filed, and a copy is attached for your review. Additionally, my personal information has been exposed in multiple data breaches involving major credit bureaus and other companies, further substantiating the likelihood of identity theft. What is particularly concerningand unacceptableis that this fraudulent account was added to my credit file while it was supposed to be under a security freeze. This represents a serious failure in your procedures and a violation of my rights as a consumer. Your actions, or lack thereof, appear to violate several federal laws, including but not limited to : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : You are required to ensure maximum possible accuracy of the information reported. Reporting a fraudulent account constitutes inaccurate reporting. FCRA XXXX : Requires credit bureaus to block reporting of information resulting from identity theft once proper documentation ( such as a police report ) is provided. FCRA XXXX ( b ) : Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. FCRA XXXX : Requires a reasonable reinvestigation of disputed information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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