vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Aqua Finance, Inc.
State: VA

Complaint narrative:
I am filing this complaint regarding a water treatment system financed through Aqua Finance and installed by XXXX. I have attempted multiple times to contact the company for customer service assistance, system inspection, and contract cancellation due to lack of service and communication. My last written request was sent on XX/XX/year>, and I have received no response. Because of the company 's failure to respond or provide assistance, I notified them that the payment scheduled for XX/XX/year> would be my final payment. I requested cancellation of the contract and removal of the equipment from my home. Despite my efforts to resolve this matter in good faith, the account remains active and billing continues without resolution. I am requesting cancellation of the contract, removal of the equipment, closure of the account, and written confirmation that no additional charges or negative credit reporting will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am responding to the account your company is reporting and/or attempting to collect. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting full validation of this alleged debt. Please provide the following documents and information : A complete accounting of the alleged debt, including all fees, interest, and charges. A copy of the original signed contract or agreement bearing my signature. Documentation proving credit collection service has the legal right to collect this debt. A complete chain of title showing transfer of ownership from the original creditor to credit collection service. A copy of the bill of sale specifically identifying my alleged account. Proof that the statute of limitations has not expired. The name and address of the original creditor. Documentation showing credit collection service is licensed to collect debts in my state, if required. Additionally, I specifically request : A signed bill of sale with authorized signatures from both parties involved in the transfer. Documentation showing my account was included in the sale or assignment. Verification that the amount being reported is accurate and legally enforceable. Until you provide proper validation, you must cease collection activities and reporting this account to any credit reporting agencies pursuant to the FDCPA and Fair Credit Reporting Act ( FCRA ). If you can not provide the requested documentation, I demand that this account be deleted from all credit bureaus immediately. This letter is not a refusal to pay, but a request for lawful validation.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Re : Complaint and Request for Debt Validation To Whom It May Concern, I am filing this complaint against Credit Collection Services regarding an alleged debt they claim I owe. I requested validation of this debt, but the company has failed to provide sufficient proof that the debt is accurate, valid, or legally collectible. The collection agency continues attempting to collect and/or report this account to the credit bureaus without properly validating the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting the following : Complete validation of the alleged debt. Proof that I legally owe the debt Documentation showing the original creditor and amount owed. Copies of any signed agreements or contracts. Verification that the collection agency has authority to collect this debt. Removal of inaccurate or unverifiable information from my credit reports. This alleged account has caused harm to my credit profile and financial standing. Until proper validation is provided, I request that all collection activity and credit reporting cease immediately. I ask the CFPB to investigate this matter and ensure compliance with federal consumer protection laws. Thank you for your time and assistance. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am responding to the account your company is reporting and/or attempting to collect. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting full validation of this alleged debt. Please provide the following documents and information : A complete accounting of the alleged debt, including all fees, interest, and charges. A copy of the original signed contract or agreement bearing my signature. Documentation proving XXXX XXXX XXXX has the legal right to collect this debt. A complete chain of title showing transfer of ownership from the original creditor to XXXX XXXX XXXX. A copy of the bill of sale specifically identifying my alleged account. Proof that the statute of limitations has not expired. The name and address of the original creditor. Documentation showing XXXX is licensed to collect debts in my state, if required. Additionally, I specifically request : A signed bill of sale with authorized signatures from both parties involved in the transfer. Documentation showing my account was included in the sale or assignment. Verification that the amount being reported is accurate and legally enforceable. Until you provide proper validation, you must cease collection activities and reporting this account to any credit reporting agencies pursuant to the FDCPA and Fair Credit Reporting Act ( FCRA ). If you can not provide the requested documentation, I demand that this account be deleted from all credit bureaus immediately. This letter is not a refusal to pay, but a request for lawful validation.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
The company did not provide any information I informed them after I received a deduction of XXXX for a payment to an affirm that the debt of over XXXX was not mine. Then the account was charged off and placed on my credit O have never received any communication or reply No email correspondence or notification or follow up I have asked them to remove the debt and negative reflection from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Zendable, Inc.
State: CA

Complaint narrative:
Subject : Complaint Regarding Unauthorized Credit Inquiry and Unauthorized Credit Card Account Opening To Whom It May Concern, I am submitting this complaint regarding what I believe to be deceptive and unauthorized actions taken by XXXX XXXX XXXX and/or its affiliated financial institution. I received an email advertisement stating that I could check whether I qualified for a XXXX XXXX XXXX offer through a no ding or no-impact credit inquiry. Based on that representation, I visited the website solely to review the offer. At no time did I authorize a hard inquiry on my credit report, nor did I accept or submit an application requesting that a credit card account be opened. After reviewing the offer, I specifically chose not to proceed because I did not like the terms presented. Despite this, I later received an email stating that a credit card had been approved and mailed to me. Additionally, I discovered that a hard inquiry had been placed on my credit report without my authorization. This inquiry may negatively impact my credit score and financial standing. On [ date you called ], I contacted the company directly and informed the representative that : * I did not authorize a hard credit inquiry ; * I did not apply for or request a credit card account ; * I did not consent to receiving a card; * I wanted the account immediately closed. The representative stated the account would be closed. However, this does not resolve the unauthorized inquiry or the deceptive nature of the advertising and enrollment process. I respectfully request the following : 1. Immediate removal of the unauthorized hard inquiry from my credit report ; 2. Written confirmation that the account has been permanently closed with a XXXX balance ; 3. Investigation into the companys advertising and enrollment practices ; 4. Assurance that no further reporting related to this account will appear on my credit history. I believe consumers should not be subjected to hard credit pulls or account openings when advertisements specifically imply that checking eligibility will not impact credit and when no final authorization is provided. I appreciate your attention to this matter and request a prompt investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/year> Chime Financial decided to close my Chime XXXX account that had {$190.00} due to a reported bankruptcy. Icalled member services the first time and they told me it would bea check mailed for the funds and I would receive it in up to 30days. After the 30 days I call member services and they tell me itwill be 30 days from closure of the account, and after telling themits been well over 30 days they tell me they will forward tospecialist and I will received an update through email, I receivedan email shortly after stating the same thing, week goes by andnothing. Call again the next week and go through the same stepsof being sent to specialist expect a follow-up email shortly, samedeal and another week goes by and nothing. I call again XXXX, I get through to member services, get switched toanother team who goes to look into why I am not being sent mycheck and puts me on hold for 30 minutes and then it hangs up, Icall back and the AI assistant keeps telling me they are sendingme to a specialist who can locate the check and get it sent out, Iget sent to another guy who I have to explain from the beginning, all for him to keep saying it was closed due to bankruptcy whichwe already know and just want the money, the check I was toldwould be sent to me. He told me hes going to look at someoptions and put me on hold, and then they disconnected the callafter a few minutes, still no follow up, no answer and currentlyChime Financial has stolen {$190.00} from me. They have ignoredmy attorney 's email and failed to follow up and solve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-19 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: NJ

Complaint narrative:
I am filing this complaint because Chase denied my credit card dispute without addressing the actual basis of my claim. The transaction was an in-person credit card purchase on XX/XX/year>, at XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX, in the amount of {$410.00}, receipt # XXXX. I filed the dispute on XX/XX/year> and it got declined with reason shown on the letter stating : Based on the information available, we found that the charge was made in person, and there wasn't an agreement to ship or deliver the merchandise to you. We can't confirm you're due a credit because the merchant either gave you the merchandise at the time of sale or made it available for pickup at their location. I acknowledge that the merchant physically handed me a product at the time of sale. However, my dispute was never about non-delivery or failure to ship merchandise. My dispute was about pre-sale misrepresentation and merchandise not as described. The store presented itself as an XXXX location, but the product sold to me was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX / XXXX product, not an XXXX product. The no-refund policy was not disclosed to me before payment. It appeared only on the printed receipt after the transaction was completed. During the sale, the product was represented to me as FDA-certified and as providing lasting or permanent results, which I believe was misleading. Chase denied my dispute by stating that the charge was made in person and that the merchant either gave me the merchandise at the time of sale or made it available for pickup. That response addresses only whether the item was physically delivered. It does not address the actual dispute : whether the sale was induced by misrepresentation, whether the product was not as described, and whether a material no-refund term was disclosed only after payment. Physical possession of the item does not resolve a misrepresentation / not-as-described dispute. A consumer can receive an item and still have been misled about what was being sold, the brand relationship, the product claims, and the refund terms. I submitted supporting documentation showing that the merchant of record was XXXX XXXX XXXX, while the product sold was XXXX XXXX XXXX XXXX XXXX, and that the No Refunds term appeared on the receipt after the transaction. I also offered to return the unused product and attempted to resolve the matter directly with the merchant. I am requesting that Chase reopen and reconsider the dispute under the appropriate basis : misrepresentation / merchandise not as described, rather than treating it as a non-delivery issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MO

Complaint narrative:
I opened a checking account with Chime Financial sometime in XXXX or XX/XX/XXXX. I didn't receive a debit card so l 've been transferring my money to my XXXX account until the debit arrived. Then they stopped allowing me to access money in my account. I received a notice saying I was no longer going to be able to transfer any money to my XXXX acct until I activate the debit they sent me. That was in XX/XX/XXXX. I called and asked when they sent the debit card and told them I never received it. She reported my debit card as lost or stolen. She checked my address ( it was correct and told me that another one would be sent to me. I asked how long it takes to get the card in the mail. She replied about a week or two with the holidays. I called again 3 times in XX/XX/XXXX| keep being left on hold. I thought ok it's XXXX I waited until the end of XX/XX/XXXX. Left on hold. Now it's XX/XX/XXXX I still do not have a debit card nor are they letting me touch my money, I cant access nor close my account and receive the money still in my account. I finally contacted the XXXX filled a complaint I received a response stating ( MESSAGE FROM BUSINESS : At Chime, protecting the privacy and security of our members is a top priority. Due to the sensitive nature of account-specific information, we are unable to discuss individual account details. If you are a Chime member and we find that additional correspondence is needed, we may reach out to you. ) I did not accept this response so I emailed back to the XXXX. ( complaint : XXXX, I am rejecting this response because : I have already spoken with your service department a couple of times. I was assured that a debit card would be sent to me. It was not!!!! You need to send me the debit card by way of either XXXX or XXXX to guarantee that I receive it. If this is not resolved through the XXXX you will force me to contact : Consumer Financial Protection Bureau ( CFPB ), Federal Reserve, FDIC, OCC. I will not stand for your institution to just keep what is not yours. I'll look for your quick response assuring me that a debit card attached to my account is on the way by which of the two couriers listed above! Sincerely, XXXX I want the debit card sent by XXXX or XXXX and I want access to my money in my account with or without the debit card! It is now XX/XX/XXXX I am still without a debit card to access my account. Money is still going in but they wont let me touch it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: MN

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I manage a rental property for a family member. A tenant of theirs had sent a check for {$1600.00} which I accidentally deposited into my Wells Fargo personal bank account. This was a mobile deposit. The name on the check did not match and the account listed on the back of the check also did not match. Wells Fargo had incorrectly credited me with the deposit and I contacted them letting them know that. They had stated that they would have the funds reversed back to the check maker. They informed me that after the funds were debited from my account, I would be able redeposit the check to the correct account. After the funds were debited from my account, I attempted to redeposit the check. Once as a mobile deposit and another as a physical deposit at the branch. Both times the check was rejected. I later contacted the check maker and they informed me that the check funds were never returned to them. I later contacted Wells Fargo about this issue and they sent me a secured message stating that the funds were actually not returned to the check maker, but instead were pending in a ledger within the banking system. They stated that the only way to get the funds returned to the check maker was to have the check maker file a dispute on the check transaction. I had contacted the check maker again to do this and she stated that the customer service at XXXX bank was unable to do so.

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 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CENTRAL BANCOMPANY, INC
State: MO

Complaint narrative:
I am filing an official complaint against Central Bank ( Central Bancompany ) regarding an open Regulation E dispute for {$300.00} involving fraudulent, unauthorized charges. The merchant involved ( XXXX ) has officially investigated the transaction, explicitly labeled the activity as unauthorized, and formally canceled the orders. I have direct, written confirmation from XXXX security team stating that the orders have been canceled due to unauthorized activity. Central Bank 's customer service has repeatedly refused to review or accept this official merchant documentation, and their automated systems are rejecting email submissions from personal email addresses. By refusing to accept clear, definitive proof from the merchant that the transaction has been voided due to fraud, Central Bank is failing to conduct a proper investigation and is violating my consumer rights under Federal Regulation E. Because the merchant has legally voided the transaction and will not be collecting the funds, I request that Central Bank immediately review the attached XXXX documentation, overturn their previous stance, and make my temporary dispute credit permanent.

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 2026-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I am XXXX XXXX military, residing in Louisiana. I am requesting that my account be reviewed under Louisiana servicemember Civil Relief Act Law. I request that my interest rates be lowered to 4 % as per the statute. Along with that im seeking reimbursement for all paid interest fees for the duration of the account that exceeded the 6 % interest rate outlined in Louisiana SCRA laws. I have attached a copy of my military orders, along with my residential lease as proof of residency in the state of Louisiana.

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 2026-05-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: CT

Complaint narrative:
I am filing a complaint regarding the handling of my lease buyout documentation by XXXX XXXX XXXX Santander XXXX USA. Over a month ago, I requested a corrected bill of sale that includes XXXX XXXX Connecticut tax registration number/ID, which is required for my XXXX DMV lease buyout and title transfer process. Despite multiple calls and follow-ups, the requested document has still not been provided. In addition, I have now been informed that I also need a release of license plate/registration authorization document because it was not initially included with the paperwork sent to me. This missing documentation has delayed my ability to properly complete the DMV process and transfer ownership of the vehicle, and I have spent many unnecessary hours calling XXXX. I have repeatedly contacted customer service and have had significant difficulty obtaining accurate information, proper escalation, or resolution. Representatives have been unable to provide clear answers or timely assistance regarding the required Connecticut DMV documents. I also experienced significant difficulty communicating with customer service representatives and obtaining escalation to a supervisor or specialized department capable of resolving my issue. Multiple representatives stated they were unable to transfer me to management or provide accurate information regarding the XXXX DMV requirements for my lease buyout.

Company response to consumer: Closed with non-monetary relief