vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Tesla, Inc.
State: IL

Complaint narrative:
The respondent is a captive automotive finance lender engaged in deceptive, unfair, and abusive acts and practices ( XXXX ) regarding account servicing. The transaction tracking history documents a multi-stage delivery of negotiable instruments accompanied by explicit processing instructions : first, on XX/XX/year>, a valid consumer negotiable instrument was delivered via XXXX XXXX Mail and accepted by the currently listed XXXX XXXX under the governing corporate trust framework ; second, on XX/XX/year>, a subsequent payment security instrument was delivered via XXXX XXXX Mail addressed directly to the Chief Financial XXXX ( CFO ) and XXXX XXXX and XXXX and signed for by the respondents payment processing hub in XXXX, Utah. The respondent and its trust agents retained physical possession of both instruments and have not returned either to the consumer, but completely failed to execute a corresponding book-entry ledger transfer to reconcile the account, creating a severe internal accounting error. When notified of this value and credit tracking failure via a formal electronic Notice of a Material Book-Entry Ledger Defect on Tuesday, XX/XX/year>, at XXXX XXXX, the respondent bypassed standard fair debt collection protocols. Within an operational window between XXXX PM and XXXXXXXX XXXX, human risk managers authorized a remote over-the-air intervention on vehicle asset VIN : XXXX, unilaterally deploying a restrictive root-level security passcode and command-override to execute a total remote digital immobilization, rendering the touchscreen and driving functions completely inoperable. The respondent subsequently failed to provide post-repossession notices under 625 ILCS 5/3-114 ( f-5 ), directly violated the mandatory 21-day title release and lien discharge mandates under XXXX ILCS XXXX following account satisfaction, and deceptively assessed late fees on Saturday, XX/XX/year>, while maintaining this illegal immobilization. The consumer requests immediate intervention to compel the respondent to terminate the remote digital immobilization, remove the passcode lockout, credit all non-compliant fees, and issue the satisfied title documents.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am submitting this complaint regarding identity theft that has caused significant emotional and financial harm. I discovered that a judgment was filed against me by XXXX XXXX XXXX XXXX XXXX, as legal representative of the current assignee of CITIBANK N.A. BEST BUY, claiming I owe {$3100.00} ( or any amount ). I emphatically assert that I am NOT the debtor, never authorized this debt, and did not incur it. This situation has been extremely frustrating and distressing. I had no knowledge that my personal information was being used fraudulently until I was confronted with this legal action. The realization that someone was using my identity to incur debts has caused emotional and financial harm. My initial delay in responding was due to being unaware of the proper steps to protect myself. After researching my rights, I am now actively pursuing vacating this judgment and clearing my name. The actions of XXXX XXXX XXXX XXXX XXXX, including filing this judgment, violate my rights under federal consumer protection laws. Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C.1681b, 1681e ( b ) ), the Plaintiff and credit reporting agencies failed to verify the debt and accessed my credit without consent. Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C.1692 ), creditors are required to validate debts before taking legal action. I never received proper proof or documentation confirming that I am liable for this debt. The judgment is fraudulent, erroneous, and entirely invalid. Enforcement would cause irreparable financial and emotional harm. I request that the CFPB investigate this matter, hold the responsible parties accountable, and ensure that the judgment is vacated. I am submitting all supporting documentation to substantiate my identity theft claim. I also request confirmation that my personal information is protected and that no further collection or reporting will occur on this fraudulent debt.

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 2026-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am submitting this complaint regarding identity theft that has caused significant emotional and financial harm. I discovered that a judgment was filed against me by Portfolio Recovery Associates , LLC, as legal representative of the current assignee of XXXX XXXX. XXXX XXXX, claiming I owe {$3100.00} ( or any amount ). I emphatically assert that I am NOT the debtor, never authorized this debt, and did not incur it. This situation has been extremely frustrating and distressing. I had no knowledge that my personal information was being used fraudulently until I was confronted with this legal action. The realization that someone was using my identity to incur debts has caused emotional and financial harm. My initial delay in responding was due to being unaware of the proper steps to protect myself. After researching my rights, I am now actively pursuing vacating this judgment and clearing my name. The actions of Portfolio Recovery Associates , LLC, including filing this judgment, violate my rights under federal consumer protection laws. Under the Fair Credit Reporting Act ( FCRA, 15 U.S.CXXXX, XXXX ( b ) ), the Plaintiff and credit reporting agencies failed to verify the debt and accessed my credit without consent. Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C.XXXX ), creditors are required to validate debts before taking legal action. I never received proper proof or documentation confirming that I am liable for this debt. The judgment is fraudulent, erroneous, and entirely invalid. Enforcement would cause irreparable financial and emotional harm. I request that the CFPB investigate this matter, hold the responsible parties accountable, and ensure that the judgment is vacated. I am submitting all supporting documentation to substantiate my identity theft claim. I also request confirmation that my personal information is protected and that no further collection or reporting will occur on this fraudulent debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: WV

Complaint narrative:
On XX/XX/XXXX at XXXX I received a text message from Chime. Said the following " Chime will Never ask you for this cXX/XX/XXXXe. DON'T share it. The cXX/XX/XXXXe you requested is XXXX. Did not request it? Call XXXX '' I go stright in to my Chime online account & see a charge from XX/XX/XXXXfor the amount of {$100.00}. That was charged on XX/XX/XXXX aty XXXX I called within XXXXXX/XX/XXXX of receiving the text message. The man on the phone told me, I could not put a dispute in until the charge was no dlonger pending. On XX/XX/XXXX in the app I was able to file the dispute. DisputeXX/XX/XXXXXXXX. On XX/XX/XXXX I received a email stating the dispute was denied. I called Chime, I was informed they could not give me any info I was requesting. I wanted to know what state the charge was made in & address package was sent to. I want to file a police report. That is when I was told, I had to wait XX/XX/XXXX days for them to email me over their reports they did, before I could go to the police. That claim XX/XX/XXXXXXXX for that request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: IL

Complaint narrative:
I am filing a formal complaint against Chase Bank for a violation of the Fair Credit Billing Act regarding a billing dispute on my credit card for {$710.00} ( Merchant : XXXX ). I checked into the hotel on XX/XX/year>2026, and physically vacated the premises early on XX/XX/scrub> 2026. Upon my departure, the merchant accepted the return of the room, closed out my account, and issued an official final merchant invoice ( XXXX ). This official final receipt explicitly shows that all daily room charges legally concluded on XX/XX/year>2026, and the merchant valued the total services rendered at XXXXXXXX XXXX. Despite having the merchant 's own official final financial document proving they only billed for services through XX/XX/XXXX, XXXX charged my credit card XXXX XXXXXXXXleaving an unexplained overcharge of XXXXXXXX XXXX ( approximately {$710.00} USD ) for XXXX nights of completely unrendered services. Chase closed my dispute and rebilled my account on XX/XX/scrub> 2026, based blindly on an automated 'non-refundable " contract clause provided by the merchant. A non-refundable clause regulates a consumer 's right to cancel a reservation ; it does not legally authorize a merchant to charge a consumer a higher cash amount than what is explicitly stated on the merchant 's own final, issued invoice. Chase has failed to conduct a proper human investigation into an explicit overcharge where the merchant 's own receipt proves the service was not rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: NY

Complaint narrative:
I HAD AN MONTH TO MONTH AGREEMENT WITH XXXX VIDEO FROM ABOUT XX/XX/XXXXXXXX TO XX/XX/XXXXXXXX PAYING {$170.00} PER MONTH VIA AUTOPAY. I WAS INFORMED THAT I HAD TO PAY THE INITAL MONTH UPFRONT. WHICH I PAID. I ENDED MY AGREEMENT IN XX/XX/XXXXXXXX I TURNED THE EQUIPMENT IN AND WAS INFORMED I WOULD NO LONGER BE BILLED. LATER THAT MONTH I {$170.00} WAS TAKEN VIA AUTOPAY. I CALLED REGARDING THE ADDTIONAL PAYMENT AND WAS INFORMED IT WAS A MISTAKE AND THAT I WOULD BE REFUNDED. 30 DAYS LATER {$110.00} WAS TAKEN. WHEN I CALLED XXXX THE REP ADVISED THEY REMOVED THE INTERNET CHARE BUT BILLED ME FOR THE VIDEO. I WAS INFORMED THE MATTER WOULD BE CLEANED UP AND THAT I WOULD BE REFUNDED. 27 DAYS PASSED WITH NO REFUND BUT I DID RECEIVE A REMINDER OF A UPCOMING AUTO PAY. I CONTACTED MY CARD HOLDER ( XXXX ) REGARDING MATTER. I ALSO FORWARDED THE RECEIPT FOR THE RETURNED EQUIPMENT. THE REP BLOCKED ANY FUTURE AUTOPAY. ON XX/XX/XXXXXXXX I RECEIVED A LETTER FROM XXXX XXXX REGARDING MATTER AND IT WAS DETERMINED AN OVERPAYMENT WAS MADE. I WAS REFUNDED {$170.00} AND {$110.00} AND THE MATTER WAS CONSIDERED CLOSE. IN XX/XX/XXXXXXXX I RECEIVED A COLLECTION LETTER FROM A COLLECTION AGENCY STATING I HAD A {$150.00} BAL WITH XXXX. THE REP COULD NOT VERIFY THE MONTLY BILL AMOUNT OVER THE PREVIOUS 6 YRS. HE WANTED TO KNOW IF I WOULD LIKE TO SETTLE WHICH I REFUSED. EVERY 30 DAYS THEY REPORTING AS A NEW BAL. {$150.00} IS NOT A TRUE BAL OR AN AMOUNT THAT I EVER PAID TO XXXX. THIS WAS NOT A BALANCE NEVER PAID. I WAS REFUNDED TWO ADDITION PAYMENT CYCLES AFTER MY EQUIPMENT WAS RETURNED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Date of transaction : XX/XX/year>2026 Amount : {$180.00} Merchant : XXXX XXXX XXXXXX/XX/XXXX Reference : XXXX I am filing this complaint against American Express XX/XX/XXXX Bank regarding their handling of a billing dispute ( Reference Number : XXXX ) involving a {$180.00} charge from XXXX XXXX XXXXXX/XX/XXXXXXXX dated XX/XX/year>2026, on my account ending in XXXX. I disputed this charge because the service was not rendered as expected. American Express investigated and, on or around XX/XX/year>2026, notified me that they resolved the dispute in the merchant 's favor, citing XXXXXX/XX/XXXXclaim that I was a " no-show '' and that the service was available for use. I have the following concerns with how this dispute was handled : XXXX. REDACTED MERCHANT EVIDENCE : American Express acknowledged in their resolution letter that merchant support documents were provided but stated they " removed some information from the documents that does not pertain to your inquiry. '' I was never given the opportunity to review the full, unredacted merchant rebuttal or respond to it directly. This denied me a fair dispute process. XXXX.XX/XX/XXXXSIDED RESOLUTION : The dispute was resolved solely on the merchant 's assertion. American Express did not request any additional documentation from me before reaching their conclusion, nor did they inform me of the specific evidence XXXX provided that justified the rebilling. XXXX. INADEQUATE INVESTIGATION : The Fair Credit Billing Act ( XXXX ) requires card issuers to conduct a reasonable investigation of disputed charges. I do not believe the investigation conducted met that standard, as the outcome appears to rely entirely on the merchant 's self-reported claim without independent verification. I am requesting that American Express : - Reopen the dispute and conduct a thorough, impartial review - Provide me with the full, unredacted merchant documentation submitted by XXXX - Reverse the {$180.00} rebilled charge pending that review I have retained all relevant documentation related to this booking ( Booking Number XXXX ) and am prepared to submit additional evidence upon request. I have already attempted to resolve this directly with American Express and was informed their decision is final. I am filing this complaint as a formal escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I am filing a complaint regarding a PayPal hold placed on funds connected to a completed professional service. I moderated an event that took place on XX/XX/scrub>, 2026. The organizer later submitted payment through PayPal XXXX XXXX XXXX on XX/XX/scrub> 2026. I generally prefer other payment methods, but the payer chose to use PayPal. On the same day the payment was received, I immediately uploaded all requested documentation to PayPal, including the event flyer and supporting email communications confirming the event and my professional involvement. After submitting the documents, I was initially informed by PayPal representatives that the funds would likely be released by XX/XX/scrub>, 2026. However, the release date later changed multiple times without a clear explanation. I have since spoken with multiple customer service representatives and supervisors and have received inconsistent information regarding the status of the review and release timeline. I have maintained a PayPal account for approximately XXXX years and have no history of fraud, disputes, or suspicious activity. The event had already taken place prior to payment being issued, and there was no shipment involved because this was a completed professional service. My concern is not simply the temporary hold itself, but the inconsistent communication, changing release dates, and continued restriction of funds despite timely compliance with all documentation requests. I am requesting a formal review of the transaction and prompt release of the funds if no additional issues exist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Beginning on XX/XX/XXXX, I was wrongfully charged for amounts adding up to {$4100.00}. I didnt authorize these charges, and they werent done by me as my phone was stolen.. I previously opened a case that got denied due to high electronic volume But I previously used the app frequently until my phone got stolen. They used my phone to access the app and make purchases on it. I previously talked with police about it, XXXX ( the merchant ) then advocated for me to dispute the charges with my bank and I have had no update. Its been XXXX weeks and my money still isnt back in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have been paying into my escrow account every month through my mortgage with Navy Federal, including approximately {$1000.00} monthly specifically allocated toward taxes and insurance. Despite this, I recently discovered through the XXXX XXXX tax website and delinquency notices that my supplemental property taxes were not paid and are now delinquent. I have consistently made my mortgage payments on time and relied on the escrow account to ensure property taxes were properly handled. My mortgage statement shows that escrow funds have continuously been collected over the last XXXX years. At the time of purchase, I was also informed that part of the supplemental taxes would be covered during the sale/closing process. As a result of the companys failure to properly pay the taxes from the escrow account, I am now facing delinquent tax notices, penalties, fees, and potential harm to my property records and financial standing. This issue was not caused by me, as I have fulfilled my payment obligations every month. I contacted the company after discovering the issue and requested immediate resolution, including payment of all delinquent taxes, penalties, and fees without using my personal funds. I am seeking a full explanation as to why the escrow funds collected for taxes were not properly disbursed to XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 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: GA

Complaint narrative:
CAPITAL ONE CREDIT CREDIT CARD COMPANY, keeps sending people to my house to XXXX me and a lawsuit for a credit card debt that was charged off to another company. I was asked to do payments with XXXX XXXX XXXX XXXX XXXX which of course i just started doing the payment and still the went ahead to file a lawsuit and keep sending people to my house. please attached below is a prove of payments to XXXX XXXX XXXX XXXX XXXX and a note from capital one asking me to pay the XXXX XXXX XXXX XXXX XXXX. please the need to stop calling me or coming to my premises.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, ProCollect , Inc. attempted to collect an alleged debt related to move-out charges fromXX/XX/XXXX Apartments. The charges stemmed from pet-related damages caused by another tenants pet, not mine. Although all tenants were jointly listed on the lease, my co-tenants either had their balances removed or resolved directly with the apartment complex. I was the only tenant whose account was sent to collections. I was not provided proper notice before the account was reported to the credit bureaus. ProCollect representatives stated notices had been mailed, but I never received them. At the time collection activity began, the company knew I had already moved out because the charges were move-out related, yet still continued to mail notices to the address which I no longer resided at. The apartment complex also had alternate contact information available, including my guarantors address and my email address. On or around XX/XX/XXXX, after discovering the account on my credit report, I contacted ProCollect and submitted a dispute as instructed. I was told I would receive a response within the week, but no response was provided. During multiple follow-up calls, I was repeatedly instructed to re-submit the same dispute, suggesting the dispute was not being properly processed or tracked. I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). After the complaint was filed, the collection account was removed from XX/XX/XXXX only. However, the account remains reported with other credit bureaus despite the ongoing dispute and concerns regarding improper notice and handling. I am seeking correction of the inaccurate and unfair reporting, including removal of the collection account from all credit bureaus and confirmation that it will not be re-reported in the future.

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