vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC
State: MO

Complaint narrative:
I am filing a formal complaint regarding improper billing practices, inaccurate account handling, and failure of customer service involving a FIT Mastercard account serviced by Continental Finance Company and issued by XXXX XXXX XXXX XXXX I was enrolled in a temporary payment assistance plan ( customer assistance payment plan ) requiring payments of {$45.00} per month by the XXXX of each month for a three-month period. I followed all terms of this agreement exactly. For the most recent payment cycle : - Payment was made on XX/XX/XXXX - Payment posted on XX/XX/XXXX - Both dates are prior to the XX/XX/XXXX deadline - I proactively called to ensure the payment was successfully processed Despite full compliance with the agreed terms : - I was improperly charged a late fee- I was removed from the payment assistance plan without justification - Representatives falsely claimed my payment was unsuccessful, despite verifiable proof from both my bank and account statements confirming timely processing Additionally, my attempts to resolve this matter were mishandled : - I received inconsistent and inaccurate information from representatives - I requested escalation to a supervisor on two separate calls - Both calls resulted in disconnection after requesting escalation This issue involves both the servicing practices of Continental Finance Company and the oversight responsibility of XXXX XXXX XXXX XXXX as the issuing bank. As the issuer, XXXX XXXX XXXX XXXX retains responsibility for ensuring accurate billing practices and compliance with federal regulations. Given that my payment was made and posted prior to the due date, the assessment of a late fee and removal from the payment assistance plan appears to constitute a billing error and improper account handling under applicable federal standards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2026-04-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
* * Complaint Against Furnisher and Credit Reporting Agencies * * I am submitting this complaint regarding a credit account that is being reported inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ). The account in question reflects multiple contradictory and misleading statuses that render it unverifiable and inaccurate. Specifically, the account is reported as charged-off, while also stating paid in full, and further indicating that it was sold to another lender. These statuses can not all be true at the same time and create a materially misleading representation of the account. Additionally, the account shows a {$0.00} balance, yet continues to report ongoing charge-off activity across multiple months. This constitutes inaccurate and potentially re-aged reporting, which is prohibited under federal law. The reporting also indicates a last payment date identical to the account closure date, which appears to be an artificial or administrative entry rather than a legitimate consumer payment. This further calls into question the integrity and accuracy of the account data. Under 15 U.S.C. 1681s-2 ( a ), furnishers are required to report information that is complete and accurate. Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must ensure maximum possible accuracy. The inconsistencies present in this account clearly violate these requirements. I am requesting that the furnisher and all credit reporting agencies : 1. Cond uct a reasonable investigation as required under 15 U.S.C. 1681i 2. Provide documentation verifying the accuracy of this account, including : * The original contract or agreement * A complete and accurate payment history * Documentation showing how the charge-off amount was calculated * Proof of the current legal owner of the debt 3. Explain how the account can simultaneously be charged-off, paid in full, and sold 4. Delete the account immediately if it can not be verified as accurate and consistent If the furnisher and credit reporting agencies are unable to provide adequate verification, I am requesting immediate deletion of this account from my credit reports. This inaccurate reporting is causing harm to my creditworthiness and financial standing. I expect a timely and lawful resolution to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate late-payment reporting on my Toyota Financial Services lease account ending in XXXX for my XXXX XXXX XXXX XXXX. I turned in the vehicle on XX/XX/XXXX. My regular payment due date was the XXXX of each month. Because the payoff had still not been applied or reflected, I contacted Toyota Financial Services to avoid any negative reporting. During that call, I was told that paying with a debit card would be better because it would reflect immediately. Based on that instruction, I made a one-time debit card payment of {$1800.00} on XX/XX/XXXX. I have proof of this payment, including Toyotas payment confirmation email and my bank transaction showing the payment to XXXX on XX/XX/XXXX. If this reported late payment relates to the XX/XX/XXXX due date, then it would not have reached 30 days past due until after XX/XX/XXXX. Because I made the payment on XX/XX/XXXX, before 30 full days had elapsed, reporting the account as 30 days late appears inaccurate. In addition, when I later contacted Toyota Financial Services, I was told that they did not see a late payment on their side and that I should file a dispute. That response makes the reporting even more inconsistent and concerning. I am requesting a reasonable investigation into : 1. why a late payment was reported, 2. how my XX/XX/XXXX payment was applied, 3. whether Toyota failed to properly update the account after instructing me to make an immediate debit card payment, and 4. immediate correction or deletion of any inaccurate late-payment reporting furnished to any credit bureau. I am attaching : - Toyota payment confirmation email dated XX/XX/XXXX - Bank transaction showing payment to Toyota on XX/XX/XXXX I want Toyota Financial Services to remove the inaccurate late payment, correct the account history, and update all credit reporting agencies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am filing a complaint regarding Chase Banks refusal to provide timely access to my earned wages after closing my account. I received a payroll check from my employer, which I deposited into my Chase account. The check was placed on a 7-day hold, despite being a legitimate payroll check. Before the hold period ended, Chase restricted my account due to alleged suspicious activity and informed me that they would be closing my account and ending the banking relationship. After this, I attempted to access my funds. I was given conflicting information by Chase representatives : One representative stated I could withdraw my funds at a branch Another later stated that I would not be able to access my funds and would instead have to wait for a check to be mailed I was then told this could take XXXX business days or up to XXXX weeks or longer, with no guarantee of timing These funds are earned wages from my employer that have already been deposited. Chase is effectively withholding access to my paycheck, which is causing significant financial harm. I am currently at risk of : Falling further behind on my car payment Losing my storage unit Being unable to meet essential living expenses I have attempted to resolve this directly with Chase by calling customer service and visiting a branch, but I have not been provided with any way to access my funds in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc.
State: NE

Complaint narrative:
Cardholder XXXX XXXX, attempted to withdraw {$300.00} from ATM # : XXXX at XXXX XXXX XXXX XXXX, XXXX, XXXX at XXXX. Right before dispensing the desired funds, the ATM shut off and rebooted without dispensing any money. Upon checking the receipt, the amount balance reflected that the funds had been dispensing when they had not. I contacted the ATM merchant, who told me to contact my financial institution ( ADP/Wisely ). Additionally, on XX/XX/year> I spoke with XXXX from the investigation team at the corporate office to seek clarification about the reason for the denial. During this conversation, she declined to provide any explanation or details pertaining the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing to formally lodge a complaint against Wells Fargo regarding deceptive system design practices that actively harm consumer credit profiles without explicit consent. Recently, I initiated a standard Credit Limit Increase ( CLI ) request through Wells Fargo 's platform. At no point during this workflow did the user interface present a disclosure, warning, or confirmation prompt indicating that this action would execute a " hard inquiry '' on my XXXX credit file. From a systems architecture perspective, executing an irreversible write operation that negatively impacts a user 's critical financial metricsresulting in a hard pull that remains on the ledger for 25 monthswithout mandatory, explicit user consent is a severe and hostile design flaw. Other major financial institutions engineer their risk management systems to utilize soft pulls for customer-initiated CLIs, or at the absolute minimum, they trigger a clear, blocking warning before committing to a hard pull. Wells Fargos failure to implement basic front-end transparency for an operation that permanently alters a consumer 's credit data is entirely unacceptable. This " black box '' approach to underwriting effectively traps users into credit damage without their informed authorization. I am requesting that the CFPB investigate this as a deceptive practice. Financial institutions must be forced to update their frontend architecture to require explicit user authorization before triggering hard credit inquiries for limit increases. Furthermore, I expect Wells Fargo to be held accountable for removing these unauthorized inquiries from consumer reports when no explicit warning was provided. Sincerely, 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 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Certegy Holdings, LLC
State: GA

Complaint narrative:
CERTEGY is making misleading recommendations and engaging in aggrevated identity theft by asking for my ssn. Pursuant to 15 US CODE 1681 b2 and the XXXX CETERGY was never given expressed permission to misuse my consumers SSN, and to make recommendation based off of public and incorrect information leading to an adverse action denial in having an insurance check cashed. CERTEGY engages in fraudulent practices by purposely not having a way to contact support. Only fax and self automated numbers. Both numbers are self automated only getting you to get a report. WHO GAVE CETEGY PERMISSION TO MISUSE MY SSN??

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Illegal Reaging by updating/changing the dates the account was opened, first delinquent, and reported to make the account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: CITIBANK, N.A.
State: NH

Complaint narrative:
I originally agreed to purchase XXXX cell phone charger vending machines on XX/XX/XXXX. I was promised the company would find XXXX locations and actually sell me the machines. I actually attended the first planning meeting where they promised everything is coming along good, and then the merchant no showed to the second meeting. I attempted to reach out to the merchant using various means and they were unresponsive, other than for their response to me scheduling another new customer meeting through their website in an effort to get an update. They responded this is only for new customers and cancelled the meeting on XX/XX/XXXX. I then tried to ask for an additional update on XX/XX/XXXX as nothing was happening and there was no communication on XXXX. The website XXXX has operated within has since shut down ( XXXX XXXX XXXX ) and XX/XX/XXXX new customer text represented the last communication. I additionally tried to contact the company through social media messaging, email, texting the company, and calling the phone number of the rep. Additionally, I provided XXXX account credentials to the merchant to allow for deposits to come in from revenue derived from the machine, but nothing was also deposited from it, neither I got notification that the machines were ever XXXX. I would have hoped that even in the event of a badly executed XXXX, something would come in, but nothing really did which is a sure sign this was actually fraud. In addition, the contract has a clause that I am entitled for a refund of the difference of purchase price paid and revenue received, yet it is nearly 6 months since the contract has been signed. On XX/XX/XXXX, Citibank ruled that I am responsible for this charge, despite this is clearly fraud and there have been a number of documented cases about XXXX scamming people through online reviews.

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 monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: SC

Complaint narrative:
I am filing a complaint regarding an attempt to collect a debt that has already been paid in full. On XX/XX/year>, I paid this account in full to a debt collector who was servicing the account at that time. I have documentation confirming the payment, including proof of payment and account resolution. However, I am now being contacted by another third-party debt collector by the name of Sequimm Asset Solutions attempting to collect the same debt again. This is inaccurate, misleading, and constitutes improper collection activity. I dispute this debt entirely. The balance is not owed. This situation appears to be either : A duplicate collection account, or A failure to properly update records after the debt was satisfied, or An improper attempt to collect on a paid account Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector may not attempt to collect a debt that is not owed or misrepresent the status of a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: WLCC
State: MS

Complaint narrative:
I am reporting Enable Loans for providing false and conflicting justifications for credit denial. On XX/XX/year>, I received a formal Adverse Action Notice claiming my application was 'Incomplete ' and that bank statements were not provided. However, on the same day, representative XXXX XXXX sent an email stating that a 'thorough review ' was conducted on my 'income, discretionary spending, and monthly expenses. ' The company is issuing 'Incomplete Application ' notices as a pretext to avoid their legal obligations, while their internal staff admits they had access to the data. This is a deceptive business practice designed to close out consumer inquiries without providing the accurate 'Statement of Specific Reasons ' required by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
Account CREDIT COLLECTIONS/ XXXX, can you provide the written proof that you have the legal right to collect this Dept? Please provide me with the original contract with progressive that includes my signature, also please provide a chain of assignment contract, and bill of sale.Please delete this account or I will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation