vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
YESTERDAY ON XX/XX/year> I FILED THE ORIGINAL COMPLAINT CONCERNING THE COMPANY AND THEIR NON COMPLIANCE, ASSIGNING THE ACCOUNT TO THEIR XXXX  DEPARTMENT AND HAVING THEIR CUSTOMER SERVICE AGENTS REROUTE ME UNTIL I WAS DETERED FROM CONTACTING THEM. CONTINUING COLLECTION ACTION IN FACE OF A DISPUTE AND FULL DISCLOSURE OF WHETHER THE ASSET WAS POOLED, SECURITIZED, SOLD OR ASSIGNED TO ANOTHER PARTY AND TO PROVE THEY THEMSELVES HAVE A RIGHT TO COLLECT ON THE ALLEGED DEBT. 

TODAY XX/XX/year> THE COMPANY HAS DISREGARDED THE CEASE AND DESIST FOR THE XXXX TIME APPROXIMATELY. BY DISREGARDING THE REQUEST FOR FULL ACCOUNTING LEDGER AND CONTINUING TO ATTEMPT TO COLLECT A DEBT BY SENDING A COMMUNICATION BY EMAIL ENGAGEMENT IS DECEPTIVE AND REQUIRES NOTICE HERE. THE CEASE AND DESIST WAS ACKNOWLEDGED ON MULTIPLE RECORDED CALLS AND ENTERED INTO THEIR SYSTEM ON A RECORDED CALL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Starmark Financial LLC
State: ID

Complaint narrative:
Starmark Financial, LLC is attempting to collect an alleged debt with the original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute the debt and the balance being claimed. 

Timeline/ repeated contact : XX/XX/XXXX : Collection activity began / ongoing collection attempts started. 
XX/XX/XXXX : I sent a written dispute and FDCPA debt validation request. 
XX/XX/XXXX : I sent a written request for Cease Communication + Debt Validation. 
XX/XX/XXXX : Starmark continued emailing me ( We need your attention ). 
XX/XX/XXXX : Continued collection email ( Reaching out to resolve ). 
XX/XX/XXXX : I sent a formal accounting dispute/ refused tender / balance inaccuracy notice. 
XX/XX/XXXX : Continued collection email ( XXXX, theres still time ). 
XX/XX/XXXX : Continued collection email ( Resolve your account ). 
XX/XX/XXXX : Continued collection email ( We havent heard from you ). 
XX/XX/XXXX : Continued collection email ( Time to step forward ). 
XX/XX/XXXX : Continued collection email ( Manageable plans available ). 
XX/XX/XXXX : Continued collection email ( XXXX, you decide ). 
XX/XX/XXXX : Continued collection email ( Friendly reminder for XXXX ). 
XX/XX/XXXX : I sent notice of continued collection on disputed debt. 
XX/XX/XXXX : Continued collection email ( Checking in ). 
XX/XX/XXXX : Starmark emailed again with a Friendly reminder and a balance of {$2600.00}. 
XX/XX/XXXX : Starmark also contacted me by text message stating they are a debt collector and provided a payment link. 

Issue : Starmark continues frequent/repeated electronic communications even after I disputed the debt and requested validation and cease communication in writing. I have not received proper validation documents ( original agreement, itemized balance, payment history, and proof of assignment/authority to collect ). 

Resolution requested : Provide full written validation and stop repeated communications until validation is provided. If unable to validate, close the account and cease collection.

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 2026-01-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
On XX/XX/XXXX, I went to Honda XXXX in XXXX and leased a car. I leased a Honda XXXX XXXX XXXX with Honda Financial Services for XXXX $ for XXXX months with cash down XXXX XXXX However, on the official website, you can lease the same car XXXX $ a month for XXXX  months with XXXX $ cash down. I didn't know that. I tried to negotiate the lease with Honda Financial Services, but it didn't work out. 

This contract was not clearly or honestly explained to me before I signed it. And Honda XXXX XXXX took advantage of my limited XXXX proficiency. Key financial terms, fees, and alternatives were not properly explained in a way I could reasonably understand. As a result, I was guided into a lease agreement that is significantly worse than what is publicly advertised. 

This practice is misleading and unethical. Entering into a contract by exploiting a language barrier raises serious concerns regarding fair business practices and consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
I am filing this complaint against GM Financial regarding improper charges being added to my auto loan after the vehicle was repossessed. 

GM Financial repossessed my vehicle and is now attempting to charge me for repair costs and additional interest on the remaining balance after the vehicle was sold. I believe these charges are unfair, excessive, and not legally justified. 

I was not provided with : A detailed, itemized breakdown of the alleged repair charges Proof that the repairs were necessary or actually performed Proper notice explaining how the post-sale balance was calculated Documentation showing that the charges comply with state or federal law Additionally, charging interest on a balance that includes disputed repair costs after repossession appears to be improper and potentially a violation of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and applicable state repossession laws. 

I am formally disputing : The repair charges added after repossession The continued accrual of interest on the disputed balance The accuracy of the remaining balance being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I am submitting this complaint under 15 USC 1681c2 because ChexSystems is reporting information I did not authorize. I never gave written or verbal consent for my personal data to be collected, stored, or shared. This qualifies as identity theft under federal law. I submitted a complete Block & Delete dispute package including my FTC Identity Theft Report, government-issued ID, Social Security card, proof of address, and a formal written letter demanding deletion. I requested documentation proving I authorized the reporting of this information, and the company failed to provide it. I am requesting permanent deletion of the unauthorized data from my consumer file. 
Attached to this complaint is my full dispute packet.

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 2026-01-25 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: Block, Inc.
State: TN

Complaint narrative:
Cash Ap let unauthorized scammers steal XXXX from my savings to my checking pretending to be my bank institution through cash aps I tried to stop it from going through while it was still in the pending status and they let it go through regardless of me providing documents calls and the number of the individual pretending to be my bank. My personal information has been breached my 3 different companies with my personal information. I even provided the device that it came from. They refused to give my money back to all those people pretending to be the 3rd part back office of my back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
Violations Alleged FCRA : XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) and XXXX ( furnisher accuracy ; reinvestigation ). 

FCRA : XXXX U.S.C. XXXX ( a ) and XXXX ( b ) ( accurate reporting of adverse information ). 

FDCPA : XXXX U.S.C. XXXX ( misleading statements about ownership/status ). 

Facts Account is reported inconsistently across bureaus : XXXX  lists purchaser XXXX ; XXXX  lists XXXX FinCo ; XXXX  does not report the account. DOFD and status differ. 

The same underlying debt appears to be reported under different owners and statuses. 

Why This Violates the XXXX XXXX must report consistent, accurate information. Different owners and DOFD across bureaus indicate failure to maintain accuracy and to verify information during reinvestigation, violating XXXX U.S.C.1681i. 

Duplicate or conflicting reporting of the same debt is prohibited.

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 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo increased the minimum balance requirement for my checking account and charged two small balance maintenance fees ( {$10.00} and {$15.00} ). I was not provided with a separate, clear paper notice of this important fee change. 

When I contacted customer service, I was told that the notification was only included as a note within a bank statement, and that because I had opted out of paper statements, no separate paper notice was sent. I believe this is inadequate for a material change that directly results in fees being charged to an existing account. 

Important account fee changes should be communicated through a clear and dedicated notice, not embedded within a statement that I did not receive in paper form. I was not reasonably aware of the change before the fees were assessed. 

Wells Fargo refunded only one of the two fees ( {$10.00} ) and refused to refund the remaining {$15.00} without a reasonable explanation. 

I am requesting a refund of the remaining {$15.00} and confirmation that no further fees will be charged without proper written notice of fee changes.

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 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am submitting this complaint regarding retroactive promotional interest charged by Synchrony Bank that I believe is unfair and disproportionate given the circumstances. 

I had a deferred-interest promotional balance of approximately {$15000.00}. Throughout the promotional period, I made substantial, consistent, and timely payments totaling approximately {$12000.00} in a good-faith effort to satisfy the promotion and avoid interest. 

During the promotional period, Synchrony changed its login and account access process. These changes disrupted my ability to reliably access account information, including billing statements, promotional balance details, and the precise payoff amount required to avoid interest. This made it difficult to verify the correct remaining promotional balance and payoff calculation. 

As a result, a remaining balance persisted at the end of the promotional period, and Synchrony assessed approximately {$4500.00} in retroactive interest on a {$3000.00} balance witXXXX XXXX  % of the total amount paid. I contacted Synchrony and requested a promotional interest adjustment based on substantial compliance, good-faith payments, and access disruption. Synchrony denied my request without meaningful consideration of these factors. 

I am not disputing that a balance remained. I am disputing the reasonableness and proportionality of applying {$4500.00} in retroactive interest where I paid the vast majority of the balance on time and experienced account access changes that interfered with my ability to confirm the exact payoff amount. 

I believe this outcome is punitive and disproportionate and does not reflect fair treatment of a consumer who acted in good faith.

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 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express reduced my credit limit without any prior communication via email, letter, or any other form of notice, despite my XXXX uninterrupted account history. I am disputing the reduction as unjustified and inconsistent with my account performance, while also receiving ongoing solicitations for savings and investment products. add that I am on the process of buying a house, that was no formal communication, decreased has affected credit score. American Express Executive Office ( XXXX XXXX XXXX has refused to provide resolution and also wants to communication via phone as mentioned on email I am attaching here.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
This is a follow-up to my previous complaint with CFPB ( XXXX ID : XXXX My missing XXXX XXXX transfer has not been resolved. Chime has refused or been unable to trace the transfer. 
I have all necessary information : XXXXXXXX XXXX XXXXXXXX ID, Chime Ticket Number, XXXXXXXX XXXX XXXXXXXX XXXX and Statement / Receipt. 
I request that Chime : I spoke with Chime support, and the XXXX assisted me. She said she could provide me with a Chime statement so that XXXX XXXX could see that the money never reached them, and she gave me a ticket number. Okay, when XXXX saw the ticket, they gave me a reference number, which should be used to locate the transfer. Chime support treated me well ; XXXX received all the information, asked me to confirm the details, and to upload the XXXX XXXX receipt. Okay, when XXXX was about to track the transfer, the call was transferred automatically, and I was connected with the XXXX. She didn't give me her name or employee number, but it was on XX/XX/year>, at XXXX XXXX She treated me like an XXXX and refused to track the money. She said she had no reason to do that, meaning she simply didn't want to. Oh my XXXX, what a frustrating situation!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV Funding LLC, furnished XXXX, on my credit report in violation of 15 U.S.C.1681 ( 1 ) b & FCRA 1681 ( a ) 2

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 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: AL

Complaint narrative:
I reached out to the Midland Credit because they were threatening to sue me over a debt that I never had! When I contacted them, a man picked up and I explained the situation. He then went on stating that I was making payment on it and i explained that I wasn't because the woman told me I was paying on something different. The man kept on interrupting me and was very unprofessional! He wouldnt even give me an opportunity to speak and started being extremely rude! Everytime I tried to say something, he would start yelling before I could even get out a single word!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: FL

Complaint narrative:
I filed a dispute with transunion regarding a XXXXXXXX XXXX XXXX  for the same company XXXX XXXX XXXX that was not mine on XX/XX/XXXX and it was removed. 
Now a different collection company LJ Ross must have bought it and put it back on my report. Filed dispute again on XX/XX/XXXX. They say its accurate and I believe they did not due an accurate investigation believe they use e-Oscar and this violates FRCA XXXX, XXXX. This should have been removed and an investigation that is accurate can not be done in XXXX days. My rights have been violated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
Subject : Dispute of Account Closure - Error in Policy Application regarding " Play to Win '' App Account Email : XXXX Description of Complaint : I am writing to formally contest the permanent limitation of my PayPal account. The automated system has incorrectly flagged my account for " XXXX '' activities. This is a factual error. 
The payments in question are from " Play to Win, '' a legitimate social XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I want to emphasize the following facts which prove I am in compliance with PayPal 's User Agreement : No Purchase Made : I have never deposited or " wagered '' my own money on this app. I have used the app entirely for free. 
No Risk of Loss : Because I did not spend money, there was no " risk of loss, '' which is the legal definition of gambling. These payments are prize redemptions for a " XXXX XXXX Necessary '' sweepstakes. 
Approved XXXX XXXX : Sweepstakes and social gaming payouts are common on PayPal. My account has been flagged by an automated bot that can not distinguish between illegal gambling and legal sweepstakes prize redemptions. 
Desired Resolution : I am a resident of XXXX, NY, and I am requesting a manual human review of my transaction history. I request that : My account be fully reinstated. 
If PayPal still chooses to close my account, I demand the immediate release of my funds. 
Since I have made XXXX deposits, there is XXXX risk of chargebacks or fraud. Holding my funds for XXXX XXXXays is an unnecessary and punitive measure against a consumer who has not violated any laws or terms of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: FL

Complaint narrative:
I disputed a debt and requested validation under the Fair Debt Collection Practices Act ( FDCPA ). The debt collector failed to provide proper verification of the debt, including documentation showing the original creditor, the amount owed, and proof they have legal authority to collect. 

Despite not providing validation, the debt collector verified the account with a credit reporting agency and continued collection activity. This is a violation of my rights under federal law. 

XX/XX/XXXX - disputed with debt collector and XXXX  XX/XX/XXXX - Validation request via email XX/XX/XXXX - True Accord validation response Amount - {$2400.00} Debt collector - True Accord current XXXXXXXX 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 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
Tried to purchase a bumper from XXXX XXXX XXXX XXXX XXXX company for XXXX and never received my item plus I was hung up on when I tried to get in touch with due to the fact tht they tried to get another XXXX for an insurance scam stating my product was being held for payment which I already paid for

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX sent an unverified balance to Jefferson Capital Systems LLC without ever notifying me of a balance owed, a past due status, or intent to send the account to collections. XXXX only provided a final bill, when I specifically requested it with a breakdown of the final bill, after collections had already occurred. 

Jefferson Capital Systems LLC is now reporting this collection account on my credit report. No validation, itemization, or billing evidence was provided prior to credit reporting.

This violates transparency requirements under the Fair Debt Collection Practices Act ( FDCPA ) and accuracy requirements under the Fair Credit Reporting Act ( FCRA ).

I am requesting CFPB assistance to : ( 1 ) Obtain validation of the alleged debt, ( 2 ) Investigate the lack of consumer notification prior to collections, ( 3 ) Require correction or removal of inaccurate credit reporting if the debt can not be properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I went to my local branch in XXXXXXXX XXXX  with a {$100000.00} inheritance check and I know funds were there as check was distributed through XXXX XXXXXXXX XXXX and drawn from.a bank across the street. I was informed that it will take about XXXX business days for check to clear. 5 days later im.told ( without explanation ) that my account was being closed and check was being sent back to me. 
I received my debit card dated XX/XX/XXXX and I was allowed to activate it I also received my letter that my savings was still active with {$100000.00}. In it I even was able to make a o line account showing {$100000.00} in my account.

Still Huntington will not let me access any of my inheritance money and once again they say my check is being sent back to me. 
I've called customer service and head quarters and local customer service only to get different stores from everyone. Huntington was my parents bank for so many years and the funds are available from my inheritance trust account.

Im.done with the run around I want my money availability or I want my check/funds in my possession NOW. THIS IS THE MOST UNPROFESSIONAL XXXX XXXX DONE BY ANY BANK FOR THAT MATTER.

Company response to consumer: Closed with non-monetary relief