vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: TN

Complaint narrative:
SELFINC/LEAD is falsely reporting on my credit. I have never had any accounts with them. Per my research SELFINC/LEAD 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 2026-03-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: HF Holdings
State: OR

Complaint narrative:
XXXX contacted XXXX regarding debtor XXXX XXXX, seeking a settlement amount on XX/XX/XXXX. XXXX XXXX {$1500.00}, asked who hired the agency, and confirmed she hired them via contract. Payment was received, and XXXX confirmed XXXX 's payout of {$1100.00} is scheduled for XXXX via check. XXXX requested to expedite the payment on XX/XX/XXXX But check was not processes until first week of XXXX, received check on XX/XX/XXXX XXXX I deposited the check into my account on the XXXX and the check bounced on the XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Vehicle loan or lease — Loan
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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have moved from the state of Wisconsin to the state of Florida. On XXXX XXXX I started the process of requesting my title to be transferred to Florida using a title company here in Florida. I have called Wells Fargo weekly and they do not process my request. It has been over 30 days and nothing has happened. My license plate tabs will expire the end of XXXX and I will have no way of getting temporary plates because Wells Fargo is refusing to transfer my title to Florida.

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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Stellantis Financial Services US Corp.
State: FL

Complaint narrative:
Company : First Investors Servicing Corporation ( collecting on behalf of Stellantis Financial Services ) Complaint Type : Debt Collection / Attempt to Collect Debt Not Owed Narrative : I am filing this complaint regarding improper debt collection attempts related to a XXXX vehicle loan allegedly associated with Stellantis Financial Services. My spouse and I purchased a XXXX vehicle through a dealership, and the financing was supposed to be handled through Stellantis Financial Services. However, we have never received any billing statement, welcome letter, account number, or loan documentation from Stellantis Financial Services. Despite never receiving any billing information, we have recently begun receiving collection calls from a company identifying themselves as First Investors Servicing Corporation claiming to be collecting a debt on behalf of Stellantis. When contacted, the representative was unable or unwilling to provide basic information regarding the alleged account, including : The account number Documentation of the alleged loan Any billing statements Proof that the account belongs to us Additionally, the tone of the call was aggressive and unprofessional. Because we have never received any billing statement or written notice of this alleged account, we are extremely concerned that the loan servicing and dealership paperwork may have bee n mishandled. We formally dispute this alleged debt and request the following : Immediate cessation of all collection activity until the debt is properly validated. Full documentation of the alleged loan agreement, including the signed retail installment contract. Confirmation of whether Stellantis Financial Services actually opened an account in our name. Confirmation that no negative credit reporting has been made or will be made regarding this disputed account. If this debt can not be validated, we request immediate closure of the account and confirmation that no collection activity will continue. This situation appears to stem from either a loan servicing error or dealership financing mistake, and we request that this matter be investigated immediately.

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 2026-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: VA

Complaint narrative:
In XX/XX/XXXX I disputed the final invoice, after the complaint, I received another invoice with additional charges, SPECIFICALLY dated after I disputed the original invoice. I immediately responded to the email from the leasing consultant requesting the contact information for the property management to rectify this dispute and I was ignored. After doing research of my own, I was finally able to located the email of whom I believe is regional XXXX, XXXX XXXX. I emailed XXXX XXXX explaining the current situation, as I wanted to deal with someone in corporate directly because there were many issues between the leasing office of XXXX XXXX and myself due to a false debt being placed on my rental history by XXXX XXXX in XXXX, an issue in which the leasing office refused to correct. XXXX XXXX and I emailed several times where I disputed some of the charges and I deliberately requested that a investigation was launched, so that we could collectively agree on a balance fair to all parties and also requested information about a payment plan. XXXX XXXX stated on XX/XX/XXXX that she would look into the matter and get back to me. On XX/XX/XXXX I received a notice from a debt collector, with a inaccurate balance and also informing me that XXXX XXXX sent this balance over to collections. The leasing office of XXXX XXXX has already caused me extreme panic and stress and also treated me unfairly, this last attempt to demand an inaccurate amount of money from me and leave a detrimental remark on my credit report and or rental history is unjust and their lack of effective communication is severely unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime bank closed my checking account due to someone hacking into my acct and changing information on my acct and disputed a transaction from last year and was refunded but chine closed my acct for no apparent reason and without notice

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-11 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: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET XXXX XXXX OR ALL ALLEGATIONS YET XXXX XXXX OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
XX/XX/year> payment was made of {$54.00} XXXX XXXX payment was made of {$54.00} On their website it doesnt show the payments that I made towards the balance owed. Nothing was posted on the portal. They never emailed me any documentation about a payment plan they setup for me and that was Friday XX/XX/year> at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: MI

Complaint narrative:
XX/XX/XXXX : - tried to withdraw about stablecoins bought from XXXX XXXX to my personal cryptocurrency wallet but the transaction was blocked - contacted XXXX to lift the crypto transfer restrictions- XXXX sent me a request to submit a verification picture ( a selfie with my face, ID and a handwritten paper with the date of which the picture was taken and the case number ) and told me to reply them once I uploaded my verification picture to their secure drop website. - Uploaded the verification picture meeting all the requirements requested by XXXX XXXX XX/XX/XXXX - at XXXX, I reply XXXX notifying them that I have successfully uploaded the verification picture and asking whether the verification is required for every transaction or if it is one-time only XX/XX/XXXX to XXXX - No replies from XXXX and my account still restricted from XXXX transfers. XX/XX/XXXX- I contacted XXXX for an update since the transfer is still restricted on my XXXX XXXX account with no replies from them since XX/XX/XXXX XX/XX/XXXX- I contacted XXXX again letting them know that my account still has the crypto transfer restriction since I contacted them about a week ago. - received a generic reply from XXXX asking for another verification picture with the same requirements from the XXXX XXXX email - I reply that I have submitted the verification picture with the ticket number given on XX/XX/XXXX - XXXX replies from XXXX and my account still restricted from crypto transfers. - later that day, I contacted XXXX again for an update about the XXXX XXXX case but received no replies from them. * * In summary, it has been almost a week and I can not transfer out my cryptocurrencies from XXXX XXXX and they have been ignoring my request to lift the cryptocurrency transfer restriction after uploading the verification picture requested by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I was subjected to severe auto financing fraud and " contract packing '' at a dealership ( XXXX XXXX XXXX XXXX ). 1. DECEPTIVE PRICING : I was provided a signed " Purchase Option '' quote for a balance of {$21000.00} for a XXXX XXXX XXXX ( XXXX ending XXXX ). However, the final electronic contract was inflated to $ XXXX unauthorized increase of {$4800.00}. 2. CONTRACT PACKING : This discrepancy was hidden by adding three optional products to the loan without my informed consent : a Service Contract ( {$3500.00} ), a Maintenance plan ( {$690.00} ), and Tire/Wheel protection ( {$590.00} ). These were represented as mandatory or not disclosed at all during the signing process. 3. LANGUAGE EXPLOITATION : As a consumer with Limited English Proficiency ( LEP ), I was provided NO translator or translated documents. The dealer utilized a high-pressure e-signing process to apply my digital signatures to these inflated terms which I was never permitted to review in a language I understand. 4. IDENTITY MISAPPROPRIATION : I was also surreptitiously added as a Co-Buyer on a separate {$67000.00} loan ( VIN ending XXXX ) without my knowledge or consent. This was discovered only after the documents were finalized. 5. ATTEMPTS TO RESOLVE : I contacted the dealerships management multiple times to correct the unauthorized charges and the co-buyer status. They refused to rectify the fraud or explain the {$4800.00} inflation. Under the FTC Holder Rule, the financial institution holding this contract is responsible for the dealer 's deceptive acts. I am requesting a full investigation into these unauthorized charges, a refund of the {$4800.00} in add-ons, and removal from the unauthorized co-buyer status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NC

Complaint narrative:
Someone withdrew the amount of {$1000.00} with me having my physical card on me in another state. The bank that card is with Chime I have called and made a dispute twice without any explanation on why my dispute was not granted. This is extremely frustrating because I now have no money with unpaid bills

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service
State: PA

Complaint narrative:
I sent an email after calling XX/XX/XXXX, and have received no response on PA TITLE 51 protections

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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Validation of Debt Request XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is my fourth complaint regarding the same unresolved fraud dispute with Wells Fargo. I reported an unauthorized transaction on my checking account ( account ending in XXXX ). A Wells Fargo representative reviewed the transaction and informed me that it appeared to be fraud, and my debit card was canceled and replaced. The transaction involved cryptocurrency activity in XXXX, Florida. I do not live in XXXX and I have never purchased cryptocurrency. I immediately reported this transaction to Wells Fargo as unauthorized. It has now been over three months and Wells Fargo has not returned the funds or properly resolved the dispute. I also received a notification stating Wells Fargo was responding to my concerns, but when I opened the secure message there was no message or explanation provided. Wells Fargo has failed to properly investigate and resolve this dispute within the required timeframes under Regulation E. I am requesting that Wells Fargo immediately credit my account for the unauthorized transaction and provide a written explanation of their investigation.

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 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
We are a XXXX XXXX store and on XX/XX/year>, our company was restricted from receiving or refunding our customers thru a third party company called Zelle. Our company offers Zelle to our customers when purchasing parts for their vehicles. I contacted our bank and was informed that Zelle was restricted with my bank and gave me no reason as to why. Zelle was a helpful way for our customers to purchase parts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/year>, I was stranded in XXXX after a XXXX. However, the true nightmare began with Chases systemic failure. I was left to XXXX and face potential XXXX on the streets because Chase blocked every attempt to purchase basic sustenance. Risk of XXXX and XXXX : Despite having a replacement card I personally retrieved from UPS, Chase 's XXXX error invalidated it. I have video evidence of being declined at a supermarket, unable to buy even basic groceries. I was also unable to pay my hotel bill, nearly forcing me into XXXX in a XXXX area of XXXX at night. I do not speak XXXX, which left me completely isolated and vulnerable. Medical Emergency ( XXXX XXXX ) : As a XXXX-year patient of XXXX XXXX at XXXX XXXX XXXX XXXX , these life-threatening conditions triggered severe XXXX XXXX. Chase XXXX ( XXXX and XXXX ) were informed of my XXXXl crisis but maliciously refused to help or escalate my calls. Forced Cancellation of U.S. Trip : I was originally scheduled to travel to the United States ( XXXX XXXX ) , but due to Chase 's failure to provide a working payment method, I had to cancel my entire U.S. itinerary . Extreme Difficulty in Returning Home : I spent weeks trapped in XXXX, making XXXX international calls ( XXXX hours ) just to authorize a flight ticket back to XXXX. Without the emergency XXXX purchase ( required for XXXX Secure authentication ), I would still be stranded in XXXX, facing an imminent threat to my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
The car was my first car in my name they repo the car in front my door with my stuff in the car. They had no remorse for me. I was told the car was sold for the full amount of the car which I wouldnt have to pay. I not only have a balance on it still but it also is a charge offs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MS

Complaint narrative:
My card was charged for XXXX on XXXX chime did not notify me of this charge being made nor did they decline payment first to verify if it was me and my money was stolen off my card they have it in the dispute process and does not want to give my money back for their incompetence to keep my money safe my claim number is XXXX I reached out to chime to see can I get the dispute expedited because I have bills that are set to come out of my account they told me no and they couldnt help me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
They returned a transaction for {$400.00} and claim they posted it to my account to pay by XXXX since funds were low. I have been checking my account since XX/XX/XXXX 3 times a day waiting for this to be posted to my account so I could make the deposit. There was never a time that it was listed on my account and left there to deposit by XXXX. They returned this transaction twice without listing it at all for my awareness to deposit. That is very shady business and Im requesting a letter be drafted to my insurance company of their error. This has resulted in possible cancellation of my policy which is a huge deal. I no longer trust this bank now and am considering the possibility of closing my account due to this unhonest transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: MI

Complaint narrative:
Consumer Complaint Statement My name is XXXX XXXX XXXX and I am submitting this complaint regarding a debt that is currently being reported or collected under my name that I do not recognize and do not believe belongs to me. I am formally disputing this account and requesting full validation of the alleged debt. I have never entered into any agreement or contract for this account, and I have no knowledge of owing this balance. Because of this, I believe this account may be the result of inaccurate reporting, mistaken identity, or possible fraud. Under my rights provided by the Fair Debt Collection Practices Act, I am requesting that the company provide proper documentation proving that I am legally responsible for this debt. This includes a copy of the original signed agreement, the name of the original creditor, the full account history, and proof that the company has the legal authority to collect on this account. Until proper validation is provided, I request that all collection activity stop and that this account be removed from my credit report immediately with all credit reporting agencies. I respectfully request that this matter be investigated and corrected as soon as possible. Sincerely, XXXX XXXX

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