vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am disputing the late payment entries reported on the above-referenced account and demanding their immediate removal from all consumer reporting agencies. 

Account Number : [ XXXX ] I never missed a payment or was late

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I disputed a debit card transaction in a timely manner. More than XXXX business days have passed since the dispute was filed. XXXX has refused to issue provisional credit and has declined to escalate the matter. 

XXXX stated that the dispute does not qualify under Regulation XXXX but did not cite any specific subsection of XXXX C.F.R. XXXX, exemption, or factual basis for denying provisional credit. I specifically requested this information and escalation to a supervisor or compliance review, which was refused. 

I am experiencing financial hardship due to the delay. I am requesting CFPB intervention to address XXXX failure to provide provisional credit or a legally sufficient explanation for denial, and its refusal to escalate the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I requested validation of an auto account that Santander Consumer USA is reporting after the credit reporting agencies stated the account was verified based on XXXX response. My request asked Santander to provide documentation supporting the accuracy of the account, including the original credit agreement, authorization to open the account, and a complete accounting of the reported balance and payment history. 

As of this complaint, Santander XXXX XXXX has not provided the requested documentation or any records explaining how the account information was validated. Despite the lack of documentation, the account continues to be reported to the credit bureaus as accurate. 

I am disputing the continued reporting of this account because it remains unsupported by documentary verification, and I am requesting appropriate correction or removal if validation can not be produced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am currently in XXXX. When I attempted to access my online banking, my account was locked for " security reasons. '' I contacted the bank to resolve this, but they informed me that the only way to unlock my account is to physically visit a branch in the United States. 

Since I am currently abroad, I can not visit a branch. The bank failed to offer any alternative remote verification methods ( such as video call or document upload ) for customers who are not physically in the US. By restricting the verification process solely to in-person visits, they are effectively preventing me from accessing my 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 explanation
Consumer complaint received 2026-01-26 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I disputed several XXXX debits under XXXX  XXXX Chase issued provisional credits and later sent final determination letters stating that the claims were closed in my favor. 

However, Chase reversed XXXX disputed amount of {$250.00} after initially crediting it, while still closing the claim in my favor. Chase previously stated that the merchant provided documentation authorizing the {$250.00} debit, yet the final claim documentation provided to me does not include or reference this transaction at all. 

I asked Chase to reconcile why {$250.00} was reversed when the claim was resolved in my favor and why this transaction does not appear in the final documentation. Chase refused to reopen the claim, declined to provide the documentation relied upon for the alleged authorization, and directed me to contact the merchant instead. 

Under XXXX XXXX, Chase is responsible for determining whether a transaction was authorized and for providing the documentation relied upon for its determination. Chase has not explained how {$250.00} was determined to be authorized, has not provided supporting documentation, and has not reconciled the missing transaction with its final decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
In XXXX of XXXX, I was laid off from my job unexpectedly & had to rely of {$200.00} in unemployment benefits a week. I started having major issues even paying the payment of {$780.00}. On XX/XX/XXXX the account was placed into charged off status, I was unaware the balances I had been paying were not reflecting as paid. On XX/XX/XXXX I called into and got transferred to the XXXX department and was told immediately if I paid {$3300.00} XXXX order would be removed & I would be able to continue monthly payments. I asked for clarification and documentation. I was rudely told if I did not pay on the call now, I would no longer be offered this great opportunity for my credit report purposes. I reluctantly agreed and processed XXXX payments that day totaling {$3300.00} ( had to split due to spending limit on my bank account ). After processing, I asked the representative to send me a letter/documentation with the same terms we discussed over the phone. He transferred me to their " business office '' team who he stated handles those letters/requests. I have reached out multiple times via phone call & can not get transferred again, I keep having to leave requests for callbacks & still have not gotten anything back. Then, I was sent a link that never opened properly and I'm still trying to get proof in writing. I understand it is not XXXX XXXX XXXX fault I fell on hard times after being laid off. But, I thought I would be able to get over this hump after being promised that the reporting would reflect differently. They have also reported late payments in XXXX before the charge off that were inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: DE

Complaint narrative:
I accidently paid the wrong amount on a bill and then canceled payment. XXXX has released pending charge and Cash App is holding money for XXXX  days before it goes back into the account. This unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: NJ

Complaint narrative:
I am submitting this complaint as a follow-up to a prior CFPB complaint regarding Credit Fresh, which was closed with explanation but did not resolve the consumer harm identified.

Despite my prior complaint and rebuttal, Credit Fresh has declined to refund amounts paid in excess of the principal accessed and has continued to report this account to consumer reporting agencies. The companys response relied on technical disclosure rather than addressing the unfair and harmful impact of the accounts fee-based structure.

The recurring billing cycle charges prevented meaningful amortization, resulting in total payments that exceeded the amount of credit actually used. Credit Fresh has not provided a full accounting demonstrating that payments were applied in a fair and transparent manner. 

Additionally, reporting this account to consumer reporting agencies remains misleading and harmful, as the reported balance is driven primarily by fees rather than actual borrowing behavior. 

I respectfully request CFPB assistance in reviewing this unresolved matter, as the prior complaint did not result in remediation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
XXXX  suspended my account as being fraudulent based on a report from XXXX, they ask for my fraud affidavit from the ftc and shared it with XXXX bank, which I have multiple legit credit accounts with they closed all of my credit cards, which included a XXXX  card I had to reach out to XXXX  and restore all my accounts which I have done, XXXX  has ask me for my drivers license then they ask for a picture of me holding my license all there customer service representative cant help, Im at a lost as this is nothing to do with fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a Capital One Credit Card w/ a {$1000.00} limit. My balance was {$970.00}. I paid the amount in-full. I received a text message for me to call Capital One RE : my banking information. I called Capital One and the service rep stated that we needed to complete a conference call with XXXX XXXX and that I MUST give Capital One 100 % FULL Access to my personal checking account for Capital One to be able to read 100 % of my transactions and balances whenever they deemed necessary. I refused access to my checking account w/ XXXX XXXX and I requested why they needed this information i was told, " because ''. That's it. That was the reason. I asked for the written policy and I was told I was not allowed to have it in writing. I asked for a supervisor and I was told I was speaking with the supervisor. The supervisor then threatened to cancel my card if I did not comply with giving Capital One 100 % access to my checking account. I declined and then I received an email from Capital One that if I do not provide them 100 % access to my XXXX XXXX Checking account they will not allow me to have the available credit on my card for a minimum of XXXX business days. Capital One is trying to force me to give them 100 % access to my checking account which is a huge security and privacy concern. A company should not be permitted to force a client to give them access to their personal banking account to view transactions. This is coercive business practice and should not be permitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Scott Fetzer Financial Group Inc.
State: LA

Complaint narrative:
I was seeking assistance on a tax matter for the amount of {$6600.00} dollars in making payments to the IRS. I received a letter from the IRS and there was a web-site about tax services. I received a phone call from XXXX XXXX on how they help me with a payment plan with the IRS. I received an e-mail back from them, saying that the Matter was taken care of as far as the payments were concerned. I received another letter from the IRS on making payment for {$120.00} a month. Needless to say... I start to get {$310.00} deducted from my bank account from a company call... XXXX XXXX XXXX XXXX. I was not told about this company at all by XXXX XXXX ; they claim that they payXX/XX/XXXX for their services to the IRS in my name as a loan in the amount of {$10000.00} dollars. I was under the impression that XXXX  XX/XX/XXXXpay the IRS and I make monthly payments to them. I did not hear about XXXX XXXX XXXX XXXX after talking to XXXX  XXXX. No way, I would have agreed to this {$10000.00} loan for a {$6600.00} IRS debt. I have made XXXX payments to this company for {$310.00} each payment. Plus, I still owe the IRS. Now I have XXXX payments to make. I hope this can be resolved, I look forward to your responses. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
HARRIS & HARRIS LTD is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS & HARRIS LTD 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 2026-01-26 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: WA

Complaint narrative:
I contacted IQ data last year XXXX, to try to sort out a payment plan or negotiable a lower pay off amount from a broken lease back in XXXX. I tried to explain that due to being a student and my financial situation, I was unable to pay the full balance. The lady over the phone was very rude and condescending, she demanded that I pay off the full balance and she hung up on me without any resolution. I felt very confused as to why she was so rude. I did not call again for a while. I reached out again the first week of XXXX, XXXX in hopes of getting the balance taken care of with the help of family. This time it was a male rep, who told me that the only way to get the balance take care of was to pay the pay to erase full amount of {$3300.00} and this includes interest fees, that they did not offer lower pay off amounts. After a little while of trying to get them to offer me a payment plan, as I was not able to pay off that amount of money. I was transferred to have same lady as the first time and she was still very rude and she told me different payment details, she said something about promotion being over. I asked if I could get this in writing and she dismissed it and said they couldnt send me anything in writing until I paid. She then proceeded to yell at me. I ended the call because she became very unprofessional. I havent had any interactions with IQ Data, given the nature of their interactions. I received another call today XX/XX/XXXX by male rep and he demanded that I pay or they will enforce other means of collections because I am refusing to pay. I told him that I did not agree with the inconsistency of the amounts being asked of me in regards to the debt and that I never made any agreements with them. The rep proceeded to then scream at me and get angry, using foul language and threatening me into paying or I will face enforcement. I had to end the call because they use threats and intimidation to get people to agree to their lies. I tried working something out with them but they are greedy and wouldnt offer me options that I could work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: KS

Complaint narrative:
I previously received written confirmation that should have achieved my 120 months to have my loans forgiven in XX/XX/XXXX, since I had received written confirmation that my loan count was XXXX as of XX/XX/XXXX. My employment has been certified through XX/XX/XXXX. If necessary, it can be certified to the present day. Despite this, my qualifying payments have been reduced to XXXX, and my loans have not been discharged despite more than 12 months passing since eligibility should have been achieved.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Associates, Inc. (MO)
State: MT

Complaint narrative:
Company : Credit AssociatesAddress : XXXX XXXX XXXX  XXXX XXXX, MT XXXX Creditor : XXXX XXXX XXXX Montana  / XXXX XXXX XXXX Complaint Narrative : I am disputing the accuracy of a dental collection account reported by Credit Associates. I made documented payments to the provider, including a {$500.00} credit card payment to XXXX XXXX XXXX in XXXX, Montana on XX/XX/XXXX. Despite this payment, Credit Associates is reporting an unpaid balance without providing a complete and accurate accounting of charges and payments. 
I disputed this account with the credit bureaus in XX/XX/XXXX and directly with Credit Associates in XXXX XXXX Credit Associates has continued to verify and furnish the account as accurate without producing documentation showing how the alleged balance was calculated or evidence that a reasonable investigation was conducted. 
There is also a discrepancy in the identity of the creditor. Payments were made to XXXX XXXX XXXX, while the collection account is reported as XXXX XXXX of Montana. Credit Associates has not explained the relationship between these entities or reconciled my documented payment with the alleged balance. 
To date, Credit Associates has failed to provide : An itemized statement of charges and payments Proof of payment history Documentation explaining how the alleged balance was calculated Evidence of a reasonable investigation under 15 U.S.C. 1681s-2 ( b ) Documentation establishing the identity and authority of the alleged creditor By continuing to report this account without substantiating the debt, Credit Associates is furnishing disputed information without adequate investigation. This has negatively impacted my credit profile and financial opportunities. 
I request that the CFPB require Credit Associates to either substantiate the debt with complete documentation or delete the tradeline if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XXXX of 2025 there was a transaction and it was made without my knowledge. The application use was PayPal. A person took my card and made a big purchase with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I purchased a vehicle in California in 2021 that was financed through an auto loan serviced by Bridgecrest. Almost immediately after purchase, the vehicle experienced a major transmission failure that required replacement. This occurred very early in ownership and is not consistent with normal wear and tear. 

Since that time, the vehicle has required constant and repeated repairs, demonstrating an ongoing pattern of serious mechanical defects. Despite these issues, Bridgecrest has continued to enforce and bill the loan. 

Most recently, the vehicle suffered a catastrophic engine failure in the form of a blown head gasket, rendering the vehicle inoperable. This is a major engine defect and further demonstrates that the vehicle was not of merchantable quality and not fit for its ordinary intended use at the time of sale. 

I contacted Bridgecrest to dispute enforcement of the loan and requested clarification and resolution, including rescission or appropriate relief, due to the repeated major mechanical failures. Bridgecrest did not provide the requested resolution and continues to enforce the loan despite the vehicles condition. 

As the assignee and servicer of the retail installment sales contract, Bridgecrest is subject to all claims and defenses related to the defective condition of the vehicle. I am requesting relief due to the financing and continued enforcement of a loan for a vehicle that has proven unreliable, unsafe, and unusable.

Company response to consumer: Closed with explanation