vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX and iam filing a formal complaint regarding XXXX collection accounts being reported on my consumer credit file without proper legal compliance. The collection agency has furnished these accounts without providing the required disclosures and validation, violating my rights under federal law. The accounts in question are : XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX Account XXXX. XXXX The agency has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ), yet continues to report these accounts. This conduct is in clear violation of 12 CFR 1006.34 ( d ), 15 U.S.C. 1681i ( a ) ( 5 ), 15 U.S.C. 1681g, and 15 U.S.C. 1692c. Without proper validation and required disclosures, the agency has no authority to furnish this information to any consumer reporting agency. I request immediate investigation and removal of these accounts from my credit report.

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 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: PA

Complaint narrative:
On XX/XX/year>.. I deposited a check at Key Bank for {$2000.00} thru online services.. It was accepted and deposited into my account... It is now almost a month later and I find that on XX/XX/year> they did not accept the check.. They said that the zeros over the dollar was not visible.. I have a copy of the check... It is distinctly and clearly visible.. They would not, however, accept the copy of my check and require a new one, which is going to take quite a bit of time for me to obtain .. My complaint is that a month later. I finally find that 15 days ago they took the {$2000.00} back with no phone call. No letter, no notification, very, very poor customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WLCC
State: TN

Complaint narrative:
I contacted Explore Credit on XX/XX/year>, requesting that my account be closed and that I be provided with a lump-sum payoff amount so I could resolve the balance. The company responded with a payoff amount but did not address my request to close the account. Instead, they indicated that the payoff amount increases daily due to interest. I followed up multiple times asking for clarification, including why the account could not be closed and whether I could pay off the balance without continued interest accrual. I also asked why my request to close the account had not been processed. These questions were not directly addressed. At this time, the account remains open, and interest continues to accrue daily, increasing the total amount owed while the company delays or avoids processing my closure request. This is concerning because I made a clear request to close the account and settle the balance, yet the company continues to allow interest to accumulate without providing a resolution or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Company : PayPal Complaint : I am filing a complaint regarding PayPals handling of a billing dispute involving unauthorized and deceptive recurring charges from a merchant known as XXXX. I initially believed I was purchasing a single, short-term access ( e.g., one-day or limited viewing pass ) based on how the purchase interface was presented. There was no clear disclosure that I was enrolling in a recurring subscriptionmuch less one that would charge {$19.00} on a daily basis. As a result, I was charged repeatedly, totaling approximately {$1100.00}, before I became aware of the issue. Once discovered, I immediately contacted PayPal. However, PayPal : * Opened disputes for only a small subset of the transactions without my full consent * Failed to consolidate or properly address the full scope of unauthorized charges * Relied on inconsistent and irrelevant merchant responses to deny or limit my claims Most concerning, the merchant provided a tracking number as part of their dispute response, which is completely unrelated to the nature of this transaction. This was a digital streaming service, not a physical product shipment. The inclusion of a tracking number strongly suggests either : * A template or fabricated response, or * A lack of meaningful review by PayPal of the merchants evidence Despite this, PayPal appears to have accepted or considered this response in its decision-making process, which raises serious concerns about the integrity of their dispute resolution procedures. Additional issues include : * The merchant initially did not have my email address on file, making it impossible for me to access or manage any alleged subscription * I only accessed the service once, for a single viewing session, and never knowingly agreed to ongoing billing * I contacted the merchant at PayPals direction, and they later claimed to cancel a subscription that I was never able to access PayPal has failed to provide adequate consumer protection in this case and has not conducted a reasonable investigation into clearly suspicious merchant behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally dispute inaccurate information being reported by CITI on my credit reports with XXXX and XXXX. My date of birth is XX/XX/XXXX, and the last XXXX digits of my Social Security XXXX are XXXX. The account in question is partially identified as XXXX XXXX XXXX XXXX XXXX, with a balance of {$48.00} and is currently marked as 'charge-off. ' This account status is adversely affecting my credit scores, which are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As of today, XX/XX/XXXX, the account is listed as charged-off. However, this designation is incorrect for the following reasons : [ specific reasons not provided in the scenario, please provide details if available ]. I have contacted CITI directly to resolve this issue, but have not received a satisfactory response. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information reflected on my credit reports. The erroneous charge-off notation is impacting my ability to secure favorable credit terms and affecting my financial well-being. I am requesting the complete removal of this account from all three credit reporting agencies : XXXX XXXX XXXX XXXX as this information is not only inaccurate but also detrimental to my credit profile. Please address this matter promptly as it is causing undue harm to my creditworthiness and financial stability.

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 2026-04-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: QC HOLDINGS INC
State: TN

Complaint narrative:
I have an active account with XXXX that shows {$53.00} in available credit. Today and on multiple other days, I attempted to access these funds through the online system, but I received an error message stating : Please try again later or visit your nearest store. I attempted multiple times across different days, but the issue persisted. I then contacted XXXX customer service by phone and was instructed to wait XXXX hour and try again. I followed those instructions, but I was still unable to access my available credit. I also contacted LendNation via email requesting an explanation and assistance resolving the issue, but I have not received any response. In addition, I have previously requested that the account be closed if I am unable to access the available credit, but that request has not been addressed. At this time, my account continues to show available credit, but I am being prevented from accessing those funds with no clear explanation. This is concerning because the company is representing that funds are available while simultaneously blocking access to them. I am requesting that XXXX : Provide a clear explanation for why I am unable to access my available credit. Restore my ability to withdraw the available funds if there are no valid restrictions. If access can not be restored, close the account as previously requested. Improve customer service response and provide timely communication regarding account issues. This situation raises concerns about whether the company is engaging in unfair or deceptive practices by advertising available credit that can not be accessed.

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 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Marlette Funding, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX left an un-enveloped legal document in my private mailbox that clearly identifies me as a 'Defendant ' in a debt collection lawsuit. This is a violation of 15 U.S.C. 1692b and 1692f, as it exposes my private debt status to third parties. Furthermore, the document was placed in my mailbox without postage in violation of 18 U.S.C. 1725

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I expect a thorough investigation into these matters, full compliance with federal law, and prompt removal of all inaccurate information from my credit file. Failure to correct these issues is continuing to cause financial harm and is preventing me from moving forward with a major life decision.

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 2026-04-26 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: FL

Complaint narrative:
I formally requested debt validation, including documentation such as a signed agreement, complete payment history, and proof that XXXX XXXX XXXX has legal ownership of the alleged debt. To date, they have failed to provide sufficient documentation to verify the accuracy or legitimacy of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: TN

Complaint narrative:
After weeks of customer service live chat and even XXXX phone calls Cashapp Has continuously denied me access to my money for over a month I provided all the documents and I'm still getting nowhere

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 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: NY

Complaint narrative:
In XX/XX/year>, my XXXX XXXX account was compromised, which resulted in unauthorized transactions being made on my Chase XXXX XXXX Credit Card. I identified these charges shortly after they occurred and reported them to Chase as unauthorized transactions. I filed a dispute with Chase within the required timeframe and cooperated with all verification steps. Despite this, Chase denied my dispute without providing a clear explanation or evidence of a reasonable investigation. Following the denial, Chase closed my credit card account and treated the disputed amount ( approximately {$930.00} ) as valid. This amount was marked as past due and reported to credit bureaus. As a result, my credit score dropped significantly ( from approximately XXXX to XXXX ), causing material financial harm. I have not authorized these transactions at any point. I reported them promptly and acted in good faith. However, Chase has continued to treat these unauthorized charges as valid debt and has furnished negative and inaccurate information to credit bureaus. I am seeking a reinvestigation of these unauthorized transactions, reversal of the fraudulent charges, removal of the past-due status, and correction of all inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
XXXX Account My name is XXXX XXXX XXXX XXXX and my card ends in XXXX, if XXXX refuses to re open the account, I need my payment of {$90.00} returned. I thought we had an agreement, last month, for a pay plan. I have a big medical expense that I need to pay. I need to use the XXXX card. Can you re open the account? According to the Americans with XXXX XXXX, you were not supposed to close the account. XXXX has favoritism towards certain customers.You are putting my life at risk. You are ruining my credit score. I will not be able to buy a car and I was attacked on the bus. My mother was also murdered. And I am very depressed.My card ends in XXXX. I would like to re use the account. Also, I was not allowed to enroll in a payment, protection, plan. I should have had that option. before you closed the account. XXXX did not send me a letter, of closure, on XX/XX/XXXX. XXXX, instead, emailed me with, XXXX, plans. When I call for a payment, protection, plan, an, XXXX couple keeps yelling and harassing me over the phone. I paid monthly for this plan. The assailants XXXX have XXXX XXXX, hacking my sim number. I will contact law enforcement. They also caused my hernia. Again, you agreed to the payment plan attached. I did not close the account at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: AL

Complaint narrative:
I sent WFC a dispute thru Transunion online dispute. I have also sent CFPB notice before. I disputed the collection agency that they hired. My identity was hacked. The debt collector deleted their account from trying to collect. WFC will not remove their mark on my credit. I have a copy of my license that will show that my address at the time was not the one on file. I called the XXXX AL XXXX, and they got me in contact with the Auburn AL location who verified the address on file, is not the one that was on the license. I found out the address came from a city I never lived in. I have a copy of my 2023 license that shows my address in XXXX AL. I never iniated any loans with this company. I also have a FTC report that I filed # XXXX against XXXX, and file # XXXX againsXXXX XXXX XXXX XXXX It has already been noted with the XXXX credit bureaus that my information has been compromised. This is a final warning to remove your remark from my credit, or I will be forced to seek legal counsel.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
I am filing a complaint against Javitch Block LLC regarding an attempt to collect a debt that has not been properly validated. I requested validation of this alleged debt. In response, the company provided limited billing statements from XXXX XXXX XXXX. These documents are incomplete and do not constitute proper validation under federal law. Under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, a consumer is entitled to validation of a debt. Additionally, under the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ), any information furnished must be fully investigated and verified for accuracy. The company has failed to provide : A signed agreement or application bearing my signature Complete account statements from inception through charge-off A full and itemized accounting of the balance of {$6200.00} Documentation establishing their legal authority to collect this debt Any assignment or transfer documentation Instead, they provided isolated billing statements that do not verify the total balance or establish a legally enforceable obligation. Despite this, collection efforts continue. I am requesting the following resolution : Immediate cessation of all collection activity Proper validation of the alleged debt or closure of the account XXXX that no inaccurate or unverified information is reported to any credit reporting agency This company has failed to meet its obligations under federal law. I request that this matter be investigated and corrected.

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 2026-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: OpenRoad Lending
State: NC

Complaint narrative:
I am submitting this complaint regarding a refund owed to me for canceled GAP coverage associated with my auto loan through OpenRoad Lending. I canceled my GAP coverage and, under the terms of my contract, I am entitled to a refund of {$490.00}. Despite multiple attempts to resolve this matter directly, I have not received any response or resolution. I contacted OpenRoad Lending on the following dates : XX/XX/year> XX/XX/year> XX/XX/year> Today XX/XX/year> On each occasion, I either called or emailed requesting information about the status of my refund. To date, I have not received any meaningful response, update, or payment. This lack of communication and failure to process or explain the status of my refund is unacceptable. I am requesting that OpenRoad Lending provide : Confirmation of whether the GAP refund has been issued Details on where the refund was sent ( to me or applied to my loan which was paid off ) Immediate payment of any refund owed to me I am asking the Consumer Financial Protection Bureau to investigate this matter and assist in ensuring that I receive the refund I am contractually entitled to, along with a clear explanation for the delay. Thank you for your assistance in resolving this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO

Complaint narrative:
I set up the payment on mazda financial services website and set it up for XX/XX/XXXX to be processed. XXXX cancelled that payment and sent my car fir repossession without notice. When you call them, they hang up telling you that you can not record the conversation. They threaten you and record the conversation themselves. I did report them before and they retaliated by cancelling my payment that I set up to be processed on XX/XX/XXXX and sent my car for repossession without notice. I receive ssi and I get paid in the XXXX. I have a XXXX. Last time XXXX repossessed my car, they told me over the phone if you dont deliver the keys to repo people, you will be charged over {$400.00} for the keys. I was afraid of additional charges and delivered the keys until I find the money. When I found the money and paid, came to pick up my car and found it dirty, with food and drinks inside my car. When I told the repo people that someone has used my car, they threatened to lock me inside the repo parking lot. I called the repo manager, showed him the video evidence and he sent some man to have my car professionally cleaned. And now XXXX is trying to repossess my car and do the same thing to it. I set up the payment and they cancelled the payment I scheduled for XX/XX/XXXX so that they can repossess it. I already paid about 90 % of it and knowing of my XXXX, they are trying to take it away at all cost. I called them asking for instalment plan and they refused to provide it. This is racketeering

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Company failed to process an automatic payment of the statement balance ( {$170.00} ) as scheduled on the due date ( XX/XX/26 ). As soon as I became aware that the company did not process the payment, I made the payment manually. This manual payment was one day late ( XX/XX/26 ) and therefore started interest charges for the next two months ( {$4.00} on XX/XX/26 and {$4.00} on XX/XX/26 ). Company refuses to reverse the interest charges despite being responsible for not processing the automatic payment as scheduled. Automatic can ONLY be scheduled for the due date. This appears to be intentional predatory behavior as the company encourages people to use the automatic payment system and then collects interest charges when that payment does not work. When I made the manual payment I contacted the company via website messages to explain the issue and verify that I would not be charged any fees. The response confirmed that the automatic payment did not occur " due to a technical issue '' and led me to believe I would not be charged. After seeing the interest charges, I again contacted the company via website messages and then a phone call where the supervisor refused to correct the situation.

Company response to consumer: Closed with monetary relief