vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XXXX of last year, I applied for a Best Buy credit card issued by Citibank ; however, I never received the physical card. On XXXX I became aware of the issue when I received an alert regarding a past due balance on my credit report of my other Bank. This was the first time I realized the card had been used. I never received, activated, or used this credit card and did not authorize any purchases. After reviewing the limited information available to me, I found that multiple transactions had been made ( over XXXX usd ). The only purchases I could identify were those visible through my Best Buy account, there were purchased in person.The other purchases, I was not able to identify, as I never activated the card and therefore do not have access to any Citibank account associated with it. At the time these transactions occurred, I was outside the United States on a family XXXX trip, so no way I could not get any alert. I believe the card may have been intercepted and fraudulently activated by an unknown individual who has used it. I also contacted Citi Bank to dispute and they can not block the card because they were not able to verify my identity, ( since I never open an account or activate that card ) and refuse to do anything else for this matter, just wait up XXXX days. NO more options, no another way of verification, nothing. I Also found that the online activity was on XX/XX/XXXX at XXXX hours ( see screenshot of email I realized now ) and purchases were transacted XXXX hour later ( when we were out of the USA ) So far I dont know where to go for help, I went on Identity theft as well and submit my dispute, hope it can helps and get some other help to solve this soon.

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 2026-03-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: KS

Complaint narrative:
I got the loan in XXXX {$600.00} We made XXXX payments of {$250.00} And we looked and the loan was then at {$850.00} They were AUTO payments. I then lost my job in XXXX. They kept charging our XXXX bank which they were authorized for XXXX to take payments. We couldnt pay due to having XXXX less income for food, rent, gas, utilities. They then stopped charging XXXX after they forced our account to be closed for making multiple attempted withdrawals within XXXX days eachother. Speedycash THEN started to charge my spouses chime account WHICH THEY WERE NOT GIVEN PERMISSION OR AUTHORIZATION TO DO SO. And theyre charging me every 3 days for {$450.00} EVERY TIME THEY TRY TO WITHDRAWL. I only owed {$100.00} left without their extreme extortion. That bill is now over {$1000.00} Because of their insane interest that they dont make you aware of. From XXXX, TO XXXX. im being charged an additional {$900.00}. Why is this even leagal??? How do you allow this?!?!?!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
Exter financial Last XXXX of account # XXXX Joint application XXXX months And has been sold to XXXX XXXX which ive never signed anything with XXXX agreeing to pay them anything servers FCRA LAWS ARE BEING BROKEN ON THIS ACCOUNT AS WELL AS PAYMENTS I NEVER SEEN THIS TYPE OF BEHAVIOR FROM SOMEONE ALLEGEDLY CLAIMING I OWE THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
XXXX, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : AFFIRM INC : XX/XX/year> -- -> XXXX -- -> : {$6400.00} I HAVE NO ACKNOWLEDGEMENT NOR CONSENT OF THESE UNAUTHORIZED, FRAUDULENT, AND INACCURATE ACCOUNT PLEASE DELETE AND REMOVE FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I am submitting a complaint against PHH Mortgage Services for pursuing a wrongful, time-barred foreclosure on my primary residence. Loan Number : [ Your Loan Number ] Property Address : XXXX XXXX XXXX, XXXX, NY XXXX Summary of the Problem : My mortgage loan defaulted in XX/XX/XXXX. The servicer, PHH Mortgage Services, waited nearly 13 years to file a foreclosure action in XX/XX/XXXX. Under New York law, the statute of limitations for foreclosure is six years, making this action untimely. When I formally requested documentation, PHH provided records confirming the XXXX default date and the XXXX filing date. They also admitted they have no record of a second mortgage I recall from the origination, suggesting a potential cloud on the title. Despite this, they are proceeding with foreclosure. What Happened : Date of Default : XX/XX/XXXX ( as confirmed by PHH 's records ) Foreclosure Filed : XX/XX/XXXX My XXXX Status : I am a recipient of Social Security XXXX XXXX ( SSXXXX ), which is my sole income. This action causes extreme financial hardship. PHH 's conduct violates the Fair Debt Collection Practices Act ( FDCPA ) by attempting to collect on a time-barred debt and using deceptive means. They have failed to reasonably resolve this matter despite my good-faith attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Subject : Immediate Action Required : Cease and Desist Collection for Toll Violation Previous Complaint Number : XXXX Consumer Name : XXXX XXXX XXXX XXXX XX/XX/XXXX Dear CFPB Representative, I am writing to file a follow-up complaint regarding a toll violation that has remained unresolved despite my repeated efforts and the confirmation from Southwest Credit Systems ( SWC ) that collections have ceased. I am frustrated by the continued mismanagement of this case, and I demand immediate action to resolve it. Timeline of Events : Toll Violation : The violation in question occurred on XX/XX/XXXX, after I sold my vehicle on XX/XX/XXXX. Despite the transfer of ownership being properly filed with the XXXX, I have been wrongly held accountable for this violation. SWCs Response : On XX/XX/XXXX, SWC confirmed they had ceased all collections activity concerning this toll violation and would no longer contact me. This was a formal response, and I expected the matter to be closed at that point. Continued Action by XXXXXXXX XXXX XXXX : Despite SWCs confirmation, on XX/XX/XXXX, I received an email from XXXX XXXX XXXX stating they required additional documentation and that the case would close if not addressed. This communication directly contradicts the agreement made by SWC. Issue at Hand : The email from XXXX XXXX XXXX is an unwarranted and unnecessary communication, as SWC was supposed to be handling the matter. This attempt to collect the debt through a separate entity is unacceptable and further complicates an issue that should have been resolved. Despite having provided all required documentation, including the XXXX Release of Liability and the XXXX receipt, and having complied with every demand, I am still facing this unresolved issue. The continuous back-and-forth is causing undue stress and confusion, and I am losing patience. If this situation is not resolved in a timely and proper manner, I will continue to take all necessary steps to ensure my rights are upheld, including further escalation through regulatory channels. This will include filing additional complaints, seeking legal advice, and exploring all available avenues for resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Chase has randomly blocked my account, will not let me pay my account off even when its blocked off and they refuse to let me unblock my account even when I am entering in the right questions for them. I have a payment due date in 8 days and they are going to give me interest without letting me resolve this situation. I have called a multitude of times and have answered heaving amounts of questions and they either say theyre going to call me back ( which they never do ) or they have to hang up because the questions arent right. I have been doing this consistently for weeks, ive gotten other people to do it. And this should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: Mandarich Law Group, LLP
State: CA

Complaint narrative:
Around XXXX I requested a loan in the amount of {$2000.00} from XXXX XXXX online, I was approved and made the payments. They charge me an interest rate of 168 %. I made payments and in XXXX they arrange lower payments, which I also pay, but I had already pay the {$2000.00} plus more than what the amount was. After 6 years I received a letter from Mandarich Law Firm stating that they bought the loan from XXXX apparently and that I still have a balance of {$1900.00} and they're demanding a payment or they will take me to court and garnish my pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Credit Sage LLC
State: PA

Complaint narrative:
On XX/XX/year>, I attempted to contact my creditor, XXXX XXXX, to settle an outstanding debt of {$1500.00}. Upon clicking a " Contact Us '' link, I was redirected to a representative from XXXX XXXX. The representative led me to believe I was communicating with the creditor to settle my debt for a reduced amount of {$1200.00}. Based on this misleading information, I completed a " quick click '' authorization process. Immediately afterward, I received email documentation revealing that I had actually been enrolled in a monthly credit repair subscription service with extensive undisclosed fees, rather than a debt settlement agreement. Within three hours of this discovery, I contacted the company to exercise my right to cancel under the Credit Repair Organizations Act ( CROA ), 15 U.S.C. 1679e, which allows for a 3-day cooling-off period. The company has failed to provide a confirmation of cancellation or a void of the pending charges on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
An unauthorized person had hacked my cash app and sent, I'm assuming their self, money. I contacted support roughly 32 times. They said I had to wait 10 days. After 10 days they said it didn't have to be exactly 10 days it could be longer. I contacted them again. Same thing. And now my account is closed and can not access it what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Hello, Chase bank has been holding a check that I tried to cash for 2 years now. I got payed in the form of a check and I had just started working again so we went to Chase where my girlfriend was banking. They told us I could cash my check there as long as we both signed. We cashed the check and they stamped it and said it would be XXXX days. They ended up holding the check and saying I needed proof of my identity, we called multiple times and they said my phone number didnt match my identity ( I had just got a new phone and number ) we went in person with my birth certificate, my social and my id. That was not enough. They still say I cant get the check currently and its been 2 years. They wont give us proof that we cashed the check there because they closed my girlfriends account. I lost a check of almost a total of 2 grand because their poor customer service. I still have no idea how to resolve this because they show no effort of trying to help me fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally filing this CFPB complaint to dispute an unauthorized and inaccurate inquiry reflected on my credit report. I did not authorize this inquiry, I have no contractual relationship with the company that accessed my credit file, and I did not provide consent written or otherwise for my credit to be pulled. This inquiry is a clear violation of my rights and must be investigated immediately and removed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I file my tax amendment returns with irs which they issued a refund check for me of {$5700.00} but tax preparer put a wrong account for my direct deposited which the money where deposited in someone else account at Jp Morgan chase bank account IRS said they contacted the bank to return the money which they choose not to

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing in response to an account that Navy Federal Credit Union is reporting on my credit report. I dispute the validity of this debt and request proper validation pursuant to my rights under the Fair Debt Collection Practices Act. Please provide the following documentation to validate this alleged debt : The name and address of the original creditor The original account number associated with the alleged debt A copy of the original signed agreement or contract bearing my signature A complete payment history, including how the alleged balance was calculated Documentation showing that your company has legal authority to collect this debt Proof that the debt was legally assigned or sold to your company The date of the last payment made on the account Additionally, if you are reporting this account to any credit reporting agency, please provide documentation showing that the information furnished is accurate and complete in accordance with the Fair Credit Reporting Act. Until this information is provided, I request that you cease all collection activity and reporting of this account. If you are unable to validate this debt, you must delete the account from all credit reporting agencies immediately. Please note that any attempt to continue reporting or collecting this debt without providing proper validation may constitute a violation of federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFERSON CAPITAL SYST Original creditor : XXXXXXXX XXXX XXXX Balance details 0 % paid off Balance {$490.00} Balance updated XX/XX/year> Original balance {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year> Equifax removed a collection that was not owed XXXX XXXX XXXX from my credit report. I am requesting that it also be removed from my TransUnion credit report because it is the same collection. It is for XXXX XXXX dollars. You can check my accounts using my credit score that I am not lying about this indifference and to prove that the screenshots are from my accounts.

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 2026-03-07 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: FISERV FINXACT CORE
State: CO

Complaint narrative:
On XX/XX/year>, I processed XXXX authorized payment transactions through Clover/XXXX XXXX XXXX ( Merchant ID : XXXX ) for legitimate business services fully rendered : Transaction # XXXX for {$20000.00} ( container transport, fully delivered XXXX and Transaction # XXXX for {$11000.00} ( trailer sale, goods fully transferred ). Total funds withheld : {$31000.00}. Clover/XXXX placed a hold on these funds and demanded I issue refunds and collect alternative payment from my client despite the fact that all services and goods were fully delivered prior to any hold, no chargeback was filed, no fraud occurred, and no client dispute exists. Fiserv then made unauthorized adjustments to my merchant account to allow refunds to be processed against my held funds without my written consent, in violation of the Electronic Funds Transfer Act. I submitted all requested documentation in full on XX/XX/year>, answering every question in their Risk Review inquiry ( XXXX ). Despite full cooperation, funds remain withheld with no legitimate legal justification provided. This has caused significant operational harm to my federally registered small business, including a cancelled service appointment on XX/XX/year>.

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 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: LA

Complaint narrative:
My Chime account was closed due to suspicious activity after {$3900.00} was transferred out without my permission. The transaction shows Current. I did not authorize this transfer and I do not have a Current account. Chime closed my dispute without notifying me and I have not received my funds back. I am requesting a full investigation and refund of {$3900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Check N Title Loans
State: TX

Complaint narrative:
I filed XXXX XXXX bankruptcy in XX/XX/2025 and my case was discharged in XX/XX/2025. Multiple payday loans from Check N Title Loans were included in my bankruptcy and discharged. Despite this, the company continued to withdraw funds from my debit card after the discharge. Most recently, they withdrew approximately {$200.00} from my account. I contacted the company and spoke with a representative named XXXX XXXX at XXXX # XXXX to inform them that the debt had been discharged in bankruptcy and that they should not be collecting on the account. I also sent them documentation of my bankruptcy discharge. During the call, the representative stated that a discharge means that I am no longer protected and that I still owe the full balance on the account, and that they have the right to continue charging me. She further told me that I should contact someone else to explain the rules of bankruptcy to me. This explanation is incorrect. A bankruptcy discharge eliminates personal liability for the debt and creditors are prohibited from attempting to collect discharged debts. The company has continued to take money despite the discharge and despite being notified. I have already contacted my bankruptcy attorney regarding this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Company : XXXX XXXX XXXX Issue : Improper debt collection practices/ inaccurate credit reporting / improper service I am filing this complaint regarding serious violations committed by XXXX XXXX XXXX. I formally disputed this alleged debt and requested proper validation. The information they provided is inaccurate. The balance is incorrect, the account history is inconsistent, and I do not recognize the charges or interest rate being reported. The account also appears to have originated in a state other than Virginia, where I reside. Despite my dispute, XXXX XXXX has continued collection efforts and has threatened litigation. On XX/XX/year>, documents were left on my doorstep in the rain, containing my personal identifying information. I was not properly served. The documents were exposed to public view and weather conditions, compromising my personal information. I did not receive proper service of process under Virginia law. This conduct raises serious concerns regarding : Violations of the Fair Debt Collection Practices Act Violations of the Fair Credit Reporting Act Improper third-party disclosure of personal information Threatening litigation without proper validation Failure to properly mark the account as disputed

Company response to consumer: Closed with explanation