vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sensible Auto Lending, LLC
State: VA

Complaint narrative:
I have contacted XXXX  numerous times over the past several years requesting the removal of a repossession entry that is not mine and does not belong to my account. Despite these repeated requests, XXXX continues to report this potentially negative tradeline, which has directly affected my ability to obtain credit and purchase a vehicle. Under the Fair Credit Reporting Act, a consumer reporting agency may only furnish a consumer report for permissible purposes and must ensure the accuracy of the information in my file. 15 U.S.C. 1681b ( a ) ( 2 ) allows disclosure only with the consumers written instructions, and inaccurate information should not be published. In XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, a court held that furnishers must ensure the information they report is accurate and can not omit the fact that the consumer disputes the debt, as misleading reporting can violate the FCRA. 

I lost my wallet back XXXXXXXX XXXX XXXX  I only had a id I cant purchase a vehicle with no license this is fraud. 


Sensible auto lending

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am filing this complaint against CDR Genesis because a collection account for {$3500.00} appeared on my credit report without any prior written notice, explanation, or validation. I have no idea what this debt is for, who the original creditor is, or how this balance was calculated. The first notice I ever received was credit reporting, which is a direct violation of FDCPA 1692g ( a ). That violation alone carries statutory liability of up to {$1000.00}.

CDR Genesis never provided me with any legally required disclosures, including the name of the original creditor, the nature of the alleged obligation, or my rights to dispute and request validation. Reporting a debt before providing notice is unlawful. 
Under federal law, proper validation of a debt requires : Name and address of the original creditor Description of the alleged obligation Signed agreement or proof of responsibility Complete itemized accounting Date of first delinquency Proof of assignment or ownership Proof of written FDCPA notice Proof of mailing or delivery Metro-2 compliant reporting fields I requested validation more than 30 days ago. CDR Genesis has provided absolutely nothing. 
No documents. 
No explanation. 
No proof. 
Yet they continue to report a {$3500.00} balance as fact. 
This conduct violates : FDCPA 1692g failure to provide notice and validation FCRA 607 ( b ) failure to ensure maximum possible accuracy FCRA 611 ( a ) failure to conduct reasonable reinvestigation FCRA 623 ( a ) furnishing inaccurate or misleading data Metro-2 standards requiring factual, verifiable reporting CDR Genesis is reporting a debt that I can not even identify, let alone verify. That is reckless, misleading, and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I am filing a formal complaint against Newrez LLC ( XXXX XXXX XXXX ) and its loan XXXX, XXXX XXXX ( XXXX XXXX XXXX  ), for deceptive practices related to my loan application. 

Summary : On XX/XX/year>, XXXX XXXX promised a rate-and-term refinance at XXXXXXXX XXXX, ~ XXXX XXXXXXXX. On XX/XX/XXXX, after I reiterated my desire for only a rate reduction, he provided a XXXX XXXX for XXXXXXXX XXXX at XXXX XXXXXXXX, increasing my loan balance by {$40000.00} with no cash to me. The " XXXX XXXX XXXX '' box was checked on a rate lock form, contradicting the XXXX XXXX which showed me paying {$1000.00} at closing. 

Specific Violations : XXXX. XXXX ( XXXX ) : Quoting XXXX XXXX XXXX  {$2700.00}, then delivering XXXX XXXX XXXX {$2900.00}. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX is an " abbreviated disclosure '' that fails to show where ~ {$30000.00} of the increased loan proceeds are allocated. It contradicts the checked " Cash Out Refinance '' designation. 
XXXX. Failure of Net Tangible Benefit : The loan increases my payment, cost, and term. 
XXXX. False/Misleading Claims : The loan XXXX later claimed the loan was to " pay off bills, '' a purpose not itemized in the legally required disclosures. 

Evidence : I have written promises from the loan XXXX, the contradictory XXXX XXXX, and all correspondence. 
I can upload the loan disclosure later if you need it. I do not have it on the laptop I am using.

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 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
THIS COMPANY IS NOT ALLOWING ME TO PROVE THIS DEBT IS NOT MINES WITHIN XXXX DAYS OF OPENING A INVESTIGATION TBEY CLOSED IT WITHOUT ALLOWING MY LETTERS TO BE RECEIVED AND COUNTED AS A ATTEMPT TO SHOW IM NOT RESPONSIBLE FOR THE DEBT I WROTE THEM ON XX/XX/year> BY XX/XX/XXXX TBEY HAVE ALREADY COMPLETED INVESTIGATION NOT EVEN XXXX BUSINESS DAYS ALL I ASK IS FOR FAIRNESS TBEY ARE. BULLYING ME INTO TAKING THIS FRADULENT DEBT TBEY ARE NOT ALLOWING ME TO RESPONSE ON RECORDS THROES MAIL AND MAKING ME SO UPSET THAT WHEN I CALL I CANT DO NOTHING BUT SCREAM CUSS AND CRY THIS IS NOT HOW CREDIT REPORTING IS SUPPOSED TO BE HANDLE ALL I WSNT IS A FAIR CHANCE TO REPLY TO THE XXXX AND DEFAMATION OF MY CHARACTER TNEY ARE FORCING DEBT ON ME THATS NOT MINE

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 2026-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: MIDFIRST BANK
State: CT

Complaint narrative:
My brother died a year ago, and I had did a XXXX of mortgage for our home. I had a hardship. I continue to have a hardship with trying to get on track with the mortgage and pay off the XXXX in our bills. I applied for a modification, and I was approved. I had to submit a notarized document. My mortgage company kept rejecting the document with small discrepancies.They said we're on the notarized document. I called, and I spoke to a representative, and she said, you have time. My mortgage company closed out my application.Even with me calling and getting more time. They had several complaints about the notorize requirements They told me that they denied my application on XXXX. I spoke to someone after this and they told me I had time because the last notary was in the wrong XXXXXXXX XXXX I believe that I was discriminated against when this process I made an appeal and even though it was only a week within the time where the application was the night in the darkness did get received, they still denied the appeal.And now they're forcing me into foreclosure, I don't have a lot of money to pay, not for my mortgage, and I believe that this is unfair treatment. I was approved for this modification.Only thing that was missing was the notarized form I want this looked into because even with the phone calls and the representatives telling me I have time and even today, I called and I wanted to see if I can put in for a partial payment or a repayment plan. They told me no mean is still open in the lost mitigation department. I am being treated on beer and I want help. I shouldn't have to lose my home

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 2026-01-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Chime Financial Inc
State: SC

Complaint narrative:
Hello my name is XXXX and I have been banking with chime for almost XXXX years. I have been getting the runaround about my direct deposit every since I have been using their company. Sometimes the direct deposit comes super late within the day and sometimes the direct deposit doesn't come at all until the actual payday. What was advertised was that you should be able to get your direct deposit 2 days in advance. I have yet to see my direct deposit 2 days in advance if anything it'll be super late or payday within wee hours of the day. I have been going through this for almost XXXX years now and it's getting sickening.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc.
State: NY

Complaint narrative:
I am writing to provide an update regarding my complaint concerning XXXX, Climb Credit, and XXXX XXXX. 

Since my last communication, the situation remains unresolved : XXXX has not issued the promised refund, despite previously confirming in writing that a refund was initiated. 
My loan with Climb Credit XXXX XXXX XXXX remains active, and no refund or credit has been applied. 
XXXX has ceased responding to my communications, including my most recent outreach on XX/XX/year>. 
I have paid approximately {$8000.00} toward a total loan of about {$13000.00}, for educational services that were not delivered as promised. 

For additional documentation, I have also filed a complaint with the Federal Trade Commission ( FTC ). 
FTC Report XXXX : XXXX. 

At this point, the school continues to retain loan proceeds while failing to provide services or return funds, which appears to reflect a lack of good-faith compliance. 

I respectfully request continued regulatory review and any guidance on further steps required from my side. I am prepared to provide additional documentation or correspondence upon request. 

Thank you for your attention to this matter. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Truist advertised a promotional checking account bonus requiring {$1000.00} in deposits. I deposited {$1500.00} in total, exceeding the required amount. Truist is refusing to honor the bonus solely because the deposits were made in XXXX transaction instead of XXXX, despite the total deposit amount being greater than required. 
This was not clearly emphasized as a disqualifying condition in the promotion, and no reasonable consumer would expect that exceeding the deposit requirement would disqualify them from the bonus. 
I believe Truist is using an arbitrary technicality to deny payment after the financial condition was met. I am requesting payment of the promotional bonus and confirmation that my account is closed with no negative reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am filing this complaint because I am completely blindsided by the way JPMorgan Chase treated me today. After being a loyal customer for over XXXX years, I woke up to find that Chase had closed every single XXXX of my accountschecking and credit alikewithout any notice or warning. When I called their customer service line to understand what happened, they refused to give me any explanation at all and simply told me it was a " business decision '' that they wouldn't discuss. 

It is incredibly frustrating to be treated this way after a decade of loyalty. I have never had a late payment, Ive never violated any bank terms, and Ive always maintained my accounts in good standing. To have a bank suddenly " ghost '' a long-term customer and cut off their access to their own money feels like a clear violation of fair lending and banking standards. It feels like I am being discriminated against or flagged by an automated system for no reason, and the bank won't even give me the courtesy of a human conversation to clear it up. This has caused me a massive amount of stress and has completely disrupted my ability to manage my daily life and pay my bills. 

I am requesting that the CFPB intervene so that I can get a real, honest explanation for why this happened. I want Chase to perform a manual review of my history to see that I am a responsible customer and reopen my accounts. If they are unwilling to do that, I demand a written explanation of their specific reasoning and an immediate timeline for when my remaining funds will be sent to me so I am not left in a financial lurch.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: NH

Complaint narrative:
I cancelled my service with XXXX in XXXX and switched providers. I specifically asked if anything else will be owed or if I was all set. They said everything was good so I turned off auto pay and in XXXX they turned auto pay back on to collect XXXX. It was initially XXXX but they added an extra {$25.00} with no itemized bill or reason sent. I called XXXX times requesting what its for. No one would tell me or send me a bill and each said they processed a refund and it may take XXXX hours. I never got the refund. In XXXX I called again and told them I would be doing a bank dispute and none of the refunds have been processed. They agreed and I won my dispute. The money was given back to me. I received a paper bill on XX/XX/year> through XXXX ( no email from them was ever received ) saying I had an outstanding bill. I tried calling and they were already closed. I called today on my lunch break only to see they sent it to a debt collector. They never took my call on XX/XX/year>. I was on hold for XXXX minutes. I have proof of my dispute being won in bank paperwork. The paper bill they sent was dated XX/XX/year>. So they sent it to collections less than XXXX  days after mailing a bill that was already disputed and won to affect my XXXX XXXX. This is not legal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Description of XXXX : I am filing this complaint because PayPal/XXXX has XXXX to honor a promised XXXX XXXX cash back reward ( {$240.00} value ) for a transaction totaling {$1200.00} made on XX/XX/XXXX. Despite meeting all promotional criteria and receiving written confirmation from a supervisor that the rewards were valid and would be credited, the company issued a sudden denial on XX/XX/XXXX. 

XXXX of Events : - XX/XX/XXXX : Activated the XXXX in XXXX PayPal Offer for XXXX XXXX cash back reward on transactions up to {$1200.00}. 
- XX/XX/XXXX : Completed qualifying purchase of {$1200.00} after saving the XXXX XXXX " Pay Later '' offer. 
- XX/XX/XXXX : Contacted support ; representatives confirmed the offer was activated ( XX/XX/XXXX ), the purchase was qualifying ( XX/XX/XXXX ), and that XXXX points were pending. 
XX/XX/XXXX, & XX/XX/XXXX : Made multiple follow-up calls where staff repeatedly confirmed the transaction met all requirements and re-escalated the issue. 
- XX/XX/XXXX : Received an email from [ Supervisor Name ] ( Supervisor, PayPal XXXX XXXX XXXX ) : " This is [ Name ] supervisor from PayPal XXXX [ Rewards ] Team. Please accept my apologies for the delay in getting back to you ; our team has been handling an unusually high volume of inquiries over the recent peak shopping period. 
This is to confirm that the transaction for {$1200.00} made on XX/XX/XXXX has been reviewed and passed to our backend team to be corrected. At the moment, no rewards have been applied, and there may be some delay in resolving this due to the holiday period, so please allow us a little more time to sort this out. 
Thank you for your patience and for being a valued customer. '' - XX/XX/XXXX : Received a denial email citing a " risk-based approach '' The Issue : The company is using a vague " risk-based '' excuse to avoid paying out a significant reward that their own team already verified. The company 's sudden reversal on XX/XX/XXXX, after sixty days of written and verbal confirmations from their team, constitutes a failure to honor advertised promotional terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit Management reported a collection account. I have never received validation of this debt and this company continues to report it and maintain it on my reports despite my continued request and disputes. They continue to report this account as a collection account monthly and derogatory, harming my credit score. Violations and legal basis : XXXX. Failure to provide written debt validation after dispute. XXXX. FDCPA 807 Misrepresentation of the legal status of the debt. FCRA 623 Furnishing disputed or unverified information to consumer reporting agencies. XXXX. FCRA 611 Failure to correct or delete inaccurate or unverifiable information. XXXX. FDCPA 805 ( b. ) a debt collector may not communicate with any person other than consumer XXXX. FDCPA 806 a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress or abuse any person in connection with the collection of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am filing a complaint regarding Chase Bank 's denial of reimbursement for a fraud loss resulting from a bank impersonation scam involving XXXX. I received a phone call on XX/XX/26 at XXXX from an individual impersonating Chase Bank XXXX fraud department, calling from a spoofed Chase phone number. The caller claimed there was a fraud on my account and represented themselves as a Chase employee. Based on this impersonation and deception, i reasonably believed I was speaking with Chase Bank. The caller instructed me to send funds via XXXX as a part of securing my account. Under this false pretense, I sent {$1900.00} via XXXX. This transaction was not authorized in any meaningful sense, as my consent was obtained through fraud, impersonation, and misrepresentation. I immediately reported the incident to Chase. However, Chase denied my claim, categorizing the transaction as an " authorized XXXX payment '', without properly considering that this was an impersonation scam where authorization was induced through deception. I am disputing Chase 's classification of this transaction as authorized. This was a case of fraud by deception, not a voluntary or legitimate payment. Chase 's own security warnings acknowledge spoofed calls and impersonation scams, yet my claim was denied without appropriate supervisory review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: Experian Information Solutions Inc.
State: MD

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 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 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I had the misfortune of using affirm for a XXXX XXXX loan. The product I purchased for {$1500.00}. was defective, they refund the money to loan company affirm in this case, I did receive XXXX payments XXXX of {$96.00} and XXXX for about XXXX. The XXXX is still missing, when I called, I have all the support text and people that are involved, I was told I would have to wait 30 Day for my money and to add insult to inquiry there is a XXXX dollar fee, not sure why? 

The support team, and the company is operating in bad faith, this does not bode well with a finance company, a XXXX dollar charge and a XXXX wait for close to XXXX, I am a XXXX Veteran, unable to work, this money constitutes my mortgage payment and food, can you assist me. 

I am actively seeking XXXX XXXX legal assistance as well as veteran free legal help, thanks for you assistance in advance.

Company response to consumer: Closed with explanation