vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
Hello, On XX/XX/XXXX I hit a deer and XXXX XXXX XXXX claimed the vehicle ( XXXX XXXX XXXX ) a total loss. XXXX XXXX XXXX paid {$5600.00} on the XXXX XXXX XXXX. I emailed Regional Acceptance Corporation with the requested documentation again today to expedite the XXXX portion from the claims Department. I receive emails back saying they can not accept XXXX docs and that I should call them. I have called XXXX multiple times and they want an estimated time of payment of $ XXXX for a totalled vehicle. I have sent 3 emails to XXXX with my XXXX XXXX XXXX policy, the police report and the XXXX XXXX Payoff statement. XXXX has been reporting my payments as 90 days late to date. XXXX keeps saying I still owe {$20000.00} for the car. Almost 5 months have passed since the deer hit on XX/XX/XXXX. Regional Acceptance Corporation has not applied the XXXX portion on their end to pay my vehicle off. XXXX will not correct their negative reporting to the 3 credit bureaus. Thank you, 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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
I am filing this complaint against XXXX XXXX ( also known as XXXX ) for an illegal re-insertion of a previously deleted debt, in violation of FCRA Section 611 ( a ) ( 5 ). On XX/XX/XXXX, I successfully disputed my ONLY existing XXXX XXXX account ending in via XXXX ( Dispute # XXXX ). The dispute was 'Approved, ' and the account was deleted from my credit report as it could not be verified. On XX/XX/XXXX, XXXX XXXX sold this same unverified/deleted debt to LVNV Funding LLC ( managed by Resurgent Capital ). This account has now been re-inserted onto my credit report as a 'new ' collection for {$510.00}. Under the FCRA, once a debt is deleted via dispute, it can not be re-inserted unless the bureau provides a formal 'Notice of Re-insertion ' within 5 business days, which never occurred. Furthermore, selling a deleted debt to a third party to bypass a legal dispute is a deceptive practice. I request that this account be permanently deleted from my credit file immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 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: NC

Complaint narrative:
Express regarding their mathematically unsound credit determination practices. I have maintained a high-frequency spending and repayment history with American Express for years, totaling around $ XXXX {$50000.00} in annual spend. Despite this consistent, high-value internal repayment data, American Express continues to deny a credit limit increase based exclusively on " external data '' and third-party credit snapshots. My current limit is a stagnant {$2500.00}, yet I am cycling through $ XXXX annually. This means I am forced to make multiple payments per month j, despite having a decade of repayment history with the institution. My primary grievance is the company 's explicit refusal to weigh their own internal performance data over static external snapshots. Their records show hundreds of thousands of dollars in aggregate transactions through my accounts. Ignoring this high-revenue internal history in favor of external snapshots is a failure in accurate risk assessment and an unfair lending practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, while visiting XXXX XXXX, we attempted to withdraw cash from a public ATM located at XXXX XXXX. The ATM indicated that it was dispensing cash ; however, before any money was released, the machine abruptly shut off. No cash was received, but the transaction still reflected as processed. Immediately after the incident, we contacted the claims department and reported the issue to ensure it was documented right away. A formal claim was filed the same day. Since we did not receive any funds from the ATM, we believe the transaction was not properly completed and should be reviewed further. We respectfully request a more thorough investigation into this matter, including a review of the ATM machine records, outage logs, and any available surveillance or maintenance reports for that specific machine at the time of the transaction. We are confident that these records will confirm that the machine malfunctioned and that no cash was dispensed. Thank you for your time and attention to this matter. We appreciate your assistance in conducting a more detailed review of this incident.

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 2026-03-12 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: Chime Financial Inc
State: NM

Complaint narrative:
Multiple charges were made on my account from someone who either hacked my account or got my card info on line. Then charges were for clothing from different websites around the country and for clothing that i woukd never buy or wear. And some of the charges that were made i have no idea what they are to or for. XXXX. Probfired clothing. {$55.00} fri XX/XX/XXXX XXXX XXXX. XXXX clothing. Fri XX/XX/XXXX XXXX XXXX {$210.00} XXXX. XXXX {$84.00} sat XX/XX/XXXX XXXX XXXX. XXXX {$100.00} Sat XX/XX/XXXX XXXX These chrges were made using mybdebit card information and if theybjustblook at my ip adress yoobwoukd clearly see that they werent made from my ohone. I need my money this is so infair and ive dispured the charges twice. Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: NJ

Complaint narrative:
Validation of Debt Request - HARRIS - XXXX XXXX XXXX XXXXXXXX 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 ) 1006.34, 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 : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: WA

Complaint narrative:
I am submitting this complaint regarding a debt being collected by IQ Data XXXX related to XXXX XXXX in XXXX XXXX. The original balance I owed when I moved out of the apartment in XX/XX/year> was approximately {$13000.00}. After the account was sent to collections, the balance suddenly increased to {$22000.00} as of XX/XX/year>. Currently the balance being shown online is {$23000.00}. This means the debt increased by over {$9000.00} in a very short period of time. I have not been provided with a detailed explanation or documentation showing how these additional charges were calculated. I previously contacted the collection agency requesting clarification and assistance, but my request was ignored and no breakdown of charges was provided. I am requesting the following : 1. A full itemized breakdown of the charges that increased the balance from {$13000.00} to over {$23000.00}. 2. Documentation showing the legitimacy of the added fees, interest, or other charges. 3. Verification of the debt as required under the Fair Debt Collection Practices Act. 4. Assistance in resolving the debt through a reasonable hardship payment plan. I am willing to work toward resolving this debt, but I need transparency and verification regarding the large increase in the balance. Thank you for reviewing this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Chime Financial Inc
State: VA

Complaint narrative:
I was using chime for a few years and all of a sudden they told me my account was closed for some sort of activity that I had no idea about and it was nothing I could do to fix it i feel I have been discriminated against and it's not fair they gave me no warning they just closed my account and took the remaining money and I still haven't found out what it was I did all of my transactions were through authorized dealers so I don't have any idea what I did wrong please help me find out what is going on

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Validation of Debt Request - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 ) 1006.34, 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 : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased a car, a XXXX XXXX XXXX XXXX, with my credit card from Chase Bank, from XXXX XXXX in XXXX XXXX, CA. I did not receive the car on the day I purchased it ; instead, I picked the car up the next day. One day later the transmission went out, and I contacted the car salesman, who asked me to bring the car back. I immediately contacted the bank before I received the car back, and then I asked the salesman whether I could receive a loaner car because I travel to work and must have reliable transportation. I was given an old, outdated XXXX XXXX that also had problems. While I had a loaner car, I was working with Chase Bank to return my funds to my credit card, and I could return the loaner car. Instead, the bank took too long and paid XXXX. I picked up the car and have complained to the bank by filing a formal complaint to return the funds to the car permanently. The bank removed the funds and did not explain that it was a temporary removal, as I explained that the car is under the lemon law clause for the state of XXXX Vehicle Sales for Consumer Protection. The bank ignored the violations of my rights and 6 months later returned the funds to my card, causing the card to be overdrawn by {$9000.00}. I filed another complaint with Chase Bank to prove I was approved for a home loan first, and then the {$10000.00} credit became an option, while I waited on another Loan Adviser to help me secure my loan for the purchase of my home, as a first-time home buyer. Months down the line, and after I was told the Banker and Real Estate Agent, who was the same person, no longer worked there. By this time, my credit was ruined because of the overdraft and my refusal to pay without lawyer representation to show all of the transactions that took place, causing me to have bad credit and a lemon car that has too many issues to fix because the issues are more than the car is worth. This included the tires that must have dry rotted, causing the front passenger side tire to dry rot and explode, and blowing out part of the fender and bumper, further causing the headlight to be exposed and dangle if unsupported. I want Chase Bank, XXXX, XXXX XXXX, CA, and XXXX XXXX to remove the car from my credit card. I will return the car and then pursue Chase Bank, removing the credit card from my credit and financial profile immediately and permanently for their mistakes. The records of conversations and the return of the vehicle for repairs is proof that XXXX and Chase Bank worked together and illegally made this my fault and once they did not follow the Consumer Buying Protection Laws as : CARS Act ( SB766 ), which provide transparency in pricing, prohibit " valueless '' add-ons, and mandate a 3-day return policy for used cars under {$50000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am a victim of identity theft. Fraudulent account ( s ) were opened using my personal information without my authorization. I did not open or authorize these accounts. I have reported the identity theft through XXXX and disputed the fraudulent activity. I request that all fraudulent accounts, inquiries, and related negative information be immediately removed from my credit report and that I be confirmed as not responsible for these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Around XXXX of XXXX my account with Bank of America was closed due to monitored fraudulent activity that I had no prior knowledge to. Since then in the recent months I have been unable to open any other checking or savings account due to XXXX XXXX denying them. However, I was not responsible for the fraudulent activity that. I am very perturbed by this outcome and havent been able to reach an individual to have a conversation regarding my concerns.

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 2026-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
This is a follow up claim in correspondence with Claim # XXXX. I would like to request loan forgiveness based on my history of payments and elderly abuse. Firstly, I am providing a list of my tax transcripts from XXXX and XXXX showing my out of pocket expenses, rent, and tuition payments. Secondly, the text document with my loan ID stating " XXXX '' shows over 10 years of college tuition with XXXX coinciding with my tuition payment transcripts and XXXX student receipts pdf files. I believe this is a form of elderly abuse as the college is collecting money after my dismissal and after spending thousands of dollars out of pocket dedicated to this XXXX XXXX XXXX 's program for over XXXX years. I would like to receive advocacy from the XXXX XXXX XXXX to relay this complaint as supporting documents to my Claim # XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: MoneyLion Inc.
State: TN

Complaint narrative:
On XX/XX/year>, MoneyLion attempted to withdraw {$700.00} from my account, which had a {$0.00} balance at the time. This transaction was unauthorized and should not have occurred. My account has never been subject to withdrawals of this type before. I contacted MoneyLion support immediately and requested the funds be returned. They refused to reverse the transaction, citing their policy, which contradicts their own public statements that accounts can not be overdrawn from {$0.00}.

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 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This correspondence serves as a formal notice of dispute and statutory demand. Nothing herein shall be construed as an admission of liability. Pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681s-2, you are required to conduct a reasonable investigation into the accuracy and completeness of any information furnished to consumer reporting agencies upon notice of dispute. You are further required to correct or delete any information that is inaccurate, incomplete, or can not be verified through competent evidence. Additionally, pursuant to Texas Business & Commerce Code Article 9, a secured party must provide a complete and accurate accounting of the obligation, including the application of any insurance proceeds and calculation of any alleged deficiency. Failure to provide such accounting or continued reporting of unverified information may constitute violations of state and federal law. I am submitting this complaint due to a furnishers failure to comply with the Fair Credit Reporting Act. Despite written notice of dispute, the furnisher has continued to report adverse information without providing verification showing a obligated signed agreements that I have with this collection agency. I request that the CFPB require the furnisher to document its investigation, correct or delete any unverifiable information, and ensure compliance with all applicable statutes This notice is provided without waiver of any rights, claims, or defenses, all of which are expressly reserved. No consent is given for continued adverse reporting of disputed information pending completion of a lawful investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CO

Complaint narrative:
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 ) 1006.34, 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 : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THESE COLLECTION ACCOUNTS ARE INACCURATE AND DO NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SERVICEMAC, LLC
State: MD

Complaint narrative:
ServiceMac moved to a new website in XXXX and it is plagued with flaws. I tried to pay my payment in XXXX and the website indicated that my financial info was incorrect but wouldn't let me change it. I called them to try to resolve the issue, tried the system and it worked. I tried to pay today and got this message after clicking the pay now button : 1 validation error for ListResponse [ Borrower ] cursor_value Input should be a valid string [ XXXX XXXX XXXX ] For further information visit XXXX XXXX XXXX I sent them this email : I clicked on the pay now button and got this. I am unable to pay using the new website. Please fix the website, it absolutely sucks. I do not want to have to pay by calling in every month. They have to fix thier website, They are inconveniencing their customers.

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 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was incarcerated XXXX of XXXX. I released my property to XXXX XXXX to take to XXXX XXXX XXXX XXXX. But she withdrew money from my account on several occasions. The system new something was wrong, because it sent me XXXX emails in a week. when I got released I filed a police report and she was charged with Id fraud.

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