vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AL

Complaint narrative:
My aunt XXXX XXXX my phone while she was having a XXXX XXXX XXXXShe set herself {$500.00} without my authorization.And now I'm struggling, I have XXXX children and chime has denied my dispute, but it was fraudulent use of my credit card.I really need my money back i am behind on due to this.I have XXXX young children that are won XXXX and XXXX, and my aunt always gets away with stuff like this due to her.XXXX XXXX, but she knew what she was doing.She destroyed my house.She poured XXXX everywhere.She took home my food and now she took the money that I had to survive

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I have received offers to open a business account. Chase allowed me to open a personal checking and savings through offers. They will not allow me to open a business account and are refusing to give a reason as of why.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing a {$1600.00} collection account ( Account # XXXX ) reported by XXXX XXXX XXXX on my Experian credit report, with XXXX XXXX as the original creditor. I do not recognize this debt and have never been contacted by or entered into any agreement with XXXX XXXX. I have disputed this account with Experian multiple times and attempted to contact XXXX XXXX XXXX by mail at the address on file. Upon further research, I discovered XXXX concerning issues : ( XXXX ) an Iowa address is associated with my credit file I am a Florida resident and have never lived in Iowa and ( XXXX ) the CFPB issued a consent order against XXXX XXXX in XX/XX/XXXX ( File No. XXXX ) cancelling all existing consumer lease balances, yet XXXX XXXX XXXX opened this collection account in XX/XX/XXXX. I am requesting a proper investigation into whether this debt is valid and collectible.

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 2026-03-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: PPPLF ECONOMIC AND COMMUNITY DEVELOPMENT INSTITUTE
State: OH

Complaint narrative:
Company Information Company : XXXX Address : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Complaint Details I am submitting this complaint regarding liens that remain recorded against my property for debts that were discharged in my XXXX XXXX bankruptcy in XXXX. Despite the bankruptcy discharge eliminating my personal obligation for these debts, the liens continue to appear against my property. Because the debts were fully discharged, there is no remaining enforceable personal obligation. As a result, maintaining these liens effectively forces me to pay debts that were legally discharged in bankruptcy in order to clear title. This issue has become particularly problematic because I am attempting to refinance my property in my name only. The presence of these liens is preventing the refinance from proceeding unless the debts are satisfied. Requiring payment under these circumstances undermines the protections provided by the bankruptcy discharge and places me in a position where I must pay discharged debts in order to move forward with my refinance. On XX/XX/XXXX, I contacted XXXX corporate office requesting that the liens be released. However, the issue remains unresolved. I am requesting the CFPBs assistance to ensure that these discharged debts are properly addressed and that the liens are removed so that I am not required to pay obligations that were legally discharged through bankruptcy. Requested Resolution Release and remove the liens associated with these discharged debts so that I may proceed with refinancing my property. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/XXXX I had in my bussiness checking ( ending XXXX ) account balance of {$2200.00} after that I did no transactions but in XX/XX/scrub> 2025, I got notified by chase bank that you have negative balance, after checking all there was multiple transactions by XXXX XXXX ( subscription ) which I never did, not authorize, after contacting chase ( morgan chase bank ) they said we can reverse only XXXX transactions so they did rest not, on other hand I contacted XXXX multiple time so they recognize charges and reverse some of that not all, so at this point I have only XXXXXX/XX/XXXX in my account only till today, I request yourself to please investigate and get all my payment back to {$2200.00}, I will highly appreciate.thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
Account Number : [ XXXX ] Date of Disputed Charge : [ XX/XX/XXXXXXXX ] Place of Disputed Charge : XXXX A XXXX XXXX XXXX XXXX XXXX Amount : XXXX [ XXXX ] While traveling in XXXX, I incurred a fraudulent charge. I reported it and after an investigation the company said they didn't have evidence it was fraud. I sent a letter disputing that finding and on XX/XX/XXXXXXXX they sent another letter saying they found no basis to support the claim. They provided me no information as I requested. This is what I asked in my letter : " I am requesting that Comenity Bank reopen and reevaluate this dispute, including a review of any evidence relied upon in reaching the initial determination. Please provide written documentation of the basis for your denial. '' I did not make this charge and have no way to prove something I did not do. Someone stole my credit card information while I was overseas. Comenity has not done a proper investigation to prove it was me and is simply stating they won't cover it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This complaint is against National Credit Systems regarding a balance of over XXXX that has appeared on my credit report. I have never conducted any business with this company, and I believe their reporting of this alleged amount to be inaccurate and misleading. Despite my efforts to resolve this matter, I have faced significant challenges : 1. I mailed repeated requests to National Credit Systems throughout last year and again in XX/XX/year>, asking for documentation to validate this alleged debt. Unfortunately, I have received no response to these inquiries. 2. I also reached out to XXXX XXXX XXXX XXXX to inform them that it is illegal for National Credit Systems to report this amount without providing me with the necessary documentation. Despite this, the information remains on my credit report, further damaging my credit profile. Given these circumstances, I respectfully request that the CFPB investigate this matter. I would like National Credit Systems to immediately remove this alleged debt from my credit report being that they have not being able to provide documentation it is valid. Thank you for your attention to this issue. I look forward to your prompt response. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NJ

Complaint narrative:
my account was create with square on XXXX XXXX almost i did XXXX transaction but after completring transaction company closed my account with the email saying your funds will be held for XXXX days and will be clear on XXXX XXXX, i have started contacting them daily after XXXX XXXX but not paying my amount

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I asked the company to send over term agreement contract, sales agreement contract, and disclosure. The company never sent any documents via XXXX stating they have ownership of the accounts. It's been over a year now and they still haven't sent any proof so I'm demanding they be removed immediately because it is causing harm physically, mentally, and financially to my well being. I am trying to purchase a home and they are holding me back with these tactics they are doing to keep reporting illegally on my report. I know by law of the FCRA and consumer law 15 U.S. Code 1692e and 15 U.S. Code 1681o the are in violation. I ask this matter looking care of swiftly and promptly within the 15 day window that is allowed to companies to respond, with all collections accounts deleted and blocked from my report through law 15 U.S. Code 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: MO

Complaint narrative:
This document is a detailed complaint submitted to the Consumer Financial Protection Bureau ( CFPB ) by XXXX XXXX XXXX, a XXXX XXXX XXXX, against Cavalry SPV I , LLC ( a debt collector ) and XXXX XXXX XXXX, XXXX ( a debt collection law firm ). The complaint outlines allegations of violations of the Fair Debt Collection Practices Act ( FDCPA ), including attempts to collect on a fraudulent, void, and dormant judgment, filing invalid garnishments, misrepresenting the enforceability of the judgment, and causing financial harm by strategically disclosing a lien to sabotage a {$43000.00} HELOC loan. The complainant requests the CFPB to investigate the companies, cease collection activities, verify the alleged debt, impose penalties, and provide compensation for financial losses. Supporting documents and filing instructions are included.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am a long-term Chase Sapphire cardholder . On XX/XX/year>, Chase offered an exclusive XXXX XXXX XXXX ticket benefit. Due to a major technical glitch on the ticketing platform, I spent over an hour in a queue but was unable to purchase tickets. Chase acknowledged this failure and issued 5,000 Ultimate Rewards points to affected customers as a goodwill gesture. I have been denied this same compensation because I reached out after a 'limited window ' ( XXXX XXXX ). I was unable to contact Chase during that specific 3-day window due to their own excessive wait times and my personal work/family obligations. Chase instructed me to contact XXXX ; I did so, and XXXX confirmed in writing that cardmember eligibility and access are the responsibility of Chase. I am seeking the same 5,000-point adjustment provided to other customers. Denying this to a loyal customer based on a narrow 3-day windowafter their own system failedis inequitable and inconsistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to complain against Equifax regarding a balance of over XXXX that has appeared on my credit report. I have never conducted any business with this company, and I believe their reporting of this alleged amount to be inaccurate and misleading. Despite my efforts to resolve this matter, I have faced significant challenges : XXXX. I mailed repeated requests to XXXX XXXX XXXX throughout last year and again in XX/XX/year>, asking for documentation to validate this alleged debt. Unfortunately, I have received no response to these inquiries. XXXX. I also reached out to Equifax , XXXX, and XXXX to inform them that it is illegal for XXXX XXXX XXXX to report this amount without providing me with the necessary documentation. Despite this, the information remains on my credit report, further damaging my credit profile. Given these circumstances, I respectfully request that the CFPB investigate this matter. I would like Equifax to immediately remove this debt from my credit report. Thank you for your attention to this issue. I look forward to your prompt response. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX. I got my new card from virgin red synchrony bank as my previous card had been stopped due to fraud. I validated it and went to XXXX XXXX online to use it to pay my mortgage company for XXXX dollars and XXXX XXXX charge me a fee if XXXX dollars and XXXX cents. At first the card didnt go through and I got a text from the credit card company saying is this me and I said yes even though I had validated it and then it went through. This is a transaction that I have done every month and it comes up as a purchase. This time it came up as a cash advance and I was charged XXXX dollars and XXXX cents for a cash advance fee plus on XX/XX/XXXX XXXX XXXX I was charged XXXX cents for interest on cash advance. I called XXXX XXXX and they said the didnt put in through as a cash advance but as a purchase. I called the credit card company insisted it was a cash advance even though I have done the same transaction many times and they have it as a purchase. I did the same transaction on XXXX. XXXX for XXXX and they have it as a purchase. This bank is very hard to deal with. They have made many mistakes and it is their fault and they havent remedied it

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 2026-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ( a ) ( 2 ) ), a consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. I have never provided XXXX written authorization permitting TransUnion to furnish my consumer report Furthermore, the inaccurate reporting contained within my file constitutes a violation of the Fair and Accurate Credit Transactions Act, Title I Section 151, regarding the accuracy and integrity of information contained in consumer reports. Because TransUnion has knowingly furnished a consumer report containing inaccurate information and without proper authorization, these actions have caused injury and hardship to my family and me.

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 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am filing this complaint regarding an unauthorized transaction in the amount of {$4000.00} that was processed through PayPal after my XXXX account was compromised. I did not authorize this purchase. A third party appears to have gained access to my account and used my PayPal account to buy goods without my permission. The purchased items were delivered to an address that I do not live at and that is not associated with me in any way. I received no merchandise, no benefit, and did not participate in this transaction. I timely reported the matter as fraud and unauthorized activity on XX/XX/scrub>XXXX around XXXX XXXX which is 3 hours after the transaction had occured. When the purchase was made on XX/XX/year> at XXXX XXXX, I was out at XXXX XXXX XXXX grocery shopping. However, PayPal denied my claim despite the fact that the order was shipped to an address that is not mine, which strongly indicates account takeover and unauthorized use. I am seeking : A proper reinvestigation of this matter as an unauthorized transaction Reversal/refund of the {$4000.00}. Written explanation of the basis for the denial Appropriate corrective action so I am not held responsible for fraudulent charges resulting from account compromise I have documentation supporting my complaint, including transaction details, proof of my actual address, and evidence that the delivery address was not mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: IL

Complaint narrative:
Please DO NOT lease your car or anything with WESTLAKE FINANCIAL. They are a SCAM. I have been trying to get on the phone with a live agent for months now. They purposely have AI answering questions and will not allow me or anyone else to speak with a live agent. This bank needs to be closed down. Someone please do something about this. There are hundreds of complaints online about the same thing, not being able to reach a real human. They are a SCAM. Let this be a warning

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Validation of Debt Request - MIDLAND CREDIT MANAGEM - XXXX * * * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
Toyota Motor Credit Corporation has stated that they are unable to locate the account based on the information provided. However, this same account continues to be reported on my consumer credit reports with a balance of approximately {$17000.00}. If Toyota can not locate or identify the account internally, it raises serious concerns regarding how they are able to verify and continue reporting the account to the credit bureaus. For clarity, the account being reported relates to a XXXX XXXX XXXX that was financed through Toyota Motor Credit Corporation. The account currently appears on my credit reports with a deficiency balance of approximately {$17000.00} following a repossession. If Toyota requires additional identifiers to locate the account, they should already possess the necessary identifying information since they are actively furnishing this account to the consumer reporting agencies. At this time I am requesting that Toyota Motor Credit Corporation either : 1. Properly locate the account and provide full documentation verifying the accuracy of the balance being reported ; or 2. Immediately delete the account from all consumer reporting agencies if they are unable to identify and verify it. A company should not be permitted to continue furnishing negative credit information to the credit bureaus while simultaneously claiming that they can not locate the account associated with that reporting. I respectfully request that the Consumer Financial Protection Bureau require Toyota Motor Credit Corporation to resolve this reporting inconsistency

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is currently reporting a XXXX XXXX XXXX ( XXXX ) collection account for approximately {$1000.00} related to a prior apartment lease. The balance is based largely on alleged pet odor damages, including charges for vinyl replacement throughout and an ozone machine treatment. However, their own move-out inspection report with photos that was provided in connection with this account does not document any pet odor or any condition or note that would reasonably justify full flooring replacement and ozone treatment. The charges appear disproportionate and unsupported by the inspection documentation, yet Experian continues to report the full balance against me. I disputed this tradeline with XXXX, and after reinvestigation XXXX deleted the same XXXX collection from my credit file. Despite that deletion, Experian continues to report the collection. I am requesting that Experian conduct a substantive reinvestigation and delete this tradeline unless the furnisher can provide objective, verifiable proof that specifically supports the alleged pet odor and the necessity and cost basis for the claimed damages. In addition, I have reported this matter to the Florida XXXX XXXX XXXX XXXX ( XXXX ), and it is under review. I am requesting prompt deletion of any inaccurate credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation