vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
On XX/XX/year>, I made my scheduled monthly car payment in the amount of {$520.00} and received a confirmation indicating the payment was successfully processed. The company later stated that this payment was returned on XX/XX/year>, allegedly due to insufficient funds. This claim is incorrect. My account had sufficient funds at the time of the transaction. I have carefully reviewed my bank statements and can confirm that no returned payment of {$520.00}, or any amount, was ever deposited back into my account on or after XX/XX/year>. There is no record of any returned funds corresponding to this transaction. Despite this, the company is treating my account as past due, attempting to charge late fees, and requiring me to make another payment. Additionally, my credit score has been negatively impacted as a result of this issue. I attempted to resolve this directly with the company, but they have failed to provide proof of the alleged returned payment or correct the error. I am requesting that the company investigate this matter, provide documentation or ACH trace details showing where the payment was sent, return the full {$520.00} if it was withdrawn, remove all related fees, and correct my account and any negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am filing a complaint against Truist Bank for wrongful account closure, false reporting to XXXX, and potential discrimination based on national origin. FACTS : 1. I have been a legal resident in the US for over 3 years with a valid work permit ( EAD ) pending asylum and adjustment of status. 2. In [ XXXX, XXXX ], a Truist representative offered me a credit card. After approval, my checking account was suddenly frozen by the " Fraud Department '' without explanation. 3. Despite multiple visits and calls, the bank claimed the only way to unfreeze the account was to present a XXXX XXXX or XXXX XXXX, which I do not have. They explicitly stated my XXXX nationality was not the issue, yet their actions suggested otherwise. 4. On XX/XX/XXXX, the bank sent a letter claiming I owed {$600.00} and would close the account for negative balance. 5. On XX/XX/XXXX, I visited the branch to put an end to this and get my fonds after being frozen for over 30 days without reason. The bank processed the closure and returned my FULL positive balance of {$3600.00}. I have a receipt/check from that day proving the full amount was returned. 6. The bank then reported to XXXX that I owed {$600.00} and closed the account for negative balance. This is false. If I owed money, it would have been deducted from the {$3600.00} before I received it. VIOLATIONS : - False reporting to XXXX ( FCRA violation ). - Discriminatory treatment : Demanding a XXXX XXXX specifically from a XXXX national while claiming nationality was not the issue. - Failure to provide a clear reason for the freeze/closure. I have attempted to resolve this with the bank and XXXX, but the bank refuses to correct the false report. I request the CFPB to investigate Truist Bank for these unfair and deceptive practices.

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 2026-04-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Company : Comenity Bank Credit card Services ( for Carter 's XXXX XXXX ) I opened an account with Carter 's because I was becoming a grandmother. But after my first purchase I came to realize that they had billing practices I was not used to. I wanted paper billing, but they kept pushing for e-bills. Needless to say I missed a payment, but quickly remedied and paid the full amount of {$460.00} ( {$200.00} + {$260.00} ) on XX/XX/XXXXXXXX I requested by phone to have my account closed. A month past, and I realized that they did not close my account, so I made another call on XX/XX/XXXX. ( If they are recording my conversation, I am sure they have this on file. ) Today XX/XX/XXXX I see that they sent an email statement with a balance fee of {$9.00}. They have been charging me fees since the time I closed my account. I went to the Carter store in XXXX, Texas and had the store manger look into my account. According to her, it was closed and with no activity since my a transaction on XX/XX/XXXX of {$100.00}. During our conversation with the credit card rep my husband asked what would the final payment if it was done today, she replied {$12.00} dollars, ( not {$9.00} per the bill ) So it seems to me that the bank rolls over interest and keeps charging even though the card is closed. The first time I requested for the account to be closed was on or around XX/XX/XXXXXXXX The second time was XX/XX/XXXX paid in full, both via telephone conversation with a rep. I had requested an email confirmation for account closure and I just found it researching for this complaint. It was sent to an internal credit card messaging center and I never got it to my email on file. see attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 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: TX

Complaint narrative:
Chime refuses to refund payments back to my account for unauthorized transactions which clearly I show proof that the company was unauthorized to use my account and remove XXXX and also I had to change my card information and block them from future transactions and time still continues to deny me my funds back so basically they let this other company still funds out of my account since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management
State: PA

Complaint narrative:
I sent a certified letter to the company requesting validation of the alleged debt, including a detailed request for all documentation necessary to properly verify and validate the debt. In my letter, I clearly stated that if they failed to provide each and every requested document, they must remove the account from my credit report with all credit reporting agencies. Despite my request, I have not received any response or documentation from the company. Nevertheless, the debt continues to be reported on my credit report. This lack of response and continued reporting raises serious concerns regarding the accuracy and validity of the debt, as well as the companys compliance with applicable laws and regulations. I am requesting that this matter be investigated and that appropriate action be taken, including the removal of this account from my credit report if the debt can not be properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am disputing inaccurate information being reported by Midland Credit Management XXXX XXXX regarding an account they are furnishing to the credit reporting agencies. The account is currently being reported with a balance of approximately {$2000.00} However, the reporting contains inconsistencies, specifically with the date of last payment, which does not align with the timeline of when the account was originally opened. The reported dates appear inaccurate and raise concerns about the reliability of the information being furnished. On or around XX/XX/year>, I reviewed my credit report and identified these discrepancies. I subsequently requested verification of the account details, including accurate payment history and documentation supporting the reported dates. To date, I have not received sufficient documentation confirming the accuracy of this information. Despite this, Midland continues to report the account to the credit bureaus. The information being reported is inconsistent and has not been properly verified, I dispute the accuracy of this account and the associated reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Experian , This letter serves as a formal notice and demand for the immediate blocking and removal of fraudulent accounts appearing on my credit report pursuant to the Fair Credit Reporting Act, XXXX XXXX Code XXXX. These accounts are the result of identity theft and are not mine. Accounts to be blocked and removed : XXXX XXXX XXXX BANK Opened XX/XX/year> Balance {$840.00} XXXX. AXXXX XXXX / XXXX XXXX Opened XX/XX/year> Balance {$630.00} XXXX. XXXX XXXX / XXXX BANK Opened XX/XX/year> Balance {$530.00} XXXX. XXXX XXXX Opened XX/XX/year> Balance {$420.00} I have enclosed my identity theft report and proof of identity as required by law. Under XXXX XXXX Code XXXX, you are required to block this information within XXXX business days of receipt.

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 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC ( Account # XXXX ) XXXX XXXX XXXX XXXX SC XXXX Re : Cease and Desist Communication Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ) To Whom It May Concern, This letter serves as formal notice that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), to demand that you cease all communication with me regarding the alleged debt referenced in your records. You are hereby instructed to immediately stop all forms of communication with me, including but not limited to phone calls, emails, text messages, and written correspondence, except as permitted by law. Under the FDCPA, you may only contact me further to : 1. Advise that your collection efforts are being terminated ; 2. Notify me that you may invoke specific remedies ordinarily available to you ; or 3. Notify me that you intend to invoke a specific remedy. Be advised that any further communication outside of these exceptions will be considered a violation of federal law. I will document all such violations and may pursue legal remedies, including reporting your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, if you believe this debt is valid and enforceable, you are required to comply with all applicable provisions of the FDCPA and any other relevant laws. This notice is not an acknowledgment of any debt, nor does it constitute a refusal to pay. It is a demand for you to cease communication in accordance with federal law. Please confirm in writing that you have received this request and that you will comply. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/year> at approximately XXXX XXXX XXXX I visited a Chase branch at XXXX XXXX XXXX to complete a routine withdrawal of less than XXXX from my business account which I have maintained for over XXXX years as the primary account holder. I inserted my card and provided valid identification to the teller. The teller disregarded my identification and called over another employee identified as XXXX XXXX. He approached without acknowledging me and began reviewing the teller screen without explanation. I waited several minutes without any communication. When I asked if there was an issue with my account I was told there was no issue but that he needed to do something. No explanation was provided. When I reiterated that I had already provided identification I was spoken to in a condescending manner and was effectively lectured about account procedures. I remained calm and respectful at all times. Despite this I was told to calm down when I was already calm. I was also made to feel judged and shamed particularly in relation to not having the right phone during the interaction. When I calmly expressed that the interaction was unpleasant I was dismissed. Both employees reacted with visible hostility and the employee identified as XXXX XXXX refused to continue assisting me. My request for identification or business cards was ignored. Service was effectively refused without explanation. Why this is a problem I have sensory and unseen XXXX. This is critical to understanding the severity of this interaction. I communicated calmly clearly and respectfully throughout the entire interaction. Individuals with unseen XXXX may communicate or process stressful situations differently and require basic patience and respect. Instead I was dismissed spoken over and told to calm down when I was already calm. I was also made to feel judged and shamed. This type of treatment is deeply harmful and dehumanizing to individuals with unseen XXXX and creates an environment that feels discriminatory and exclusionary. As a long standing business customer I expect to be treated with professionalism dignity and transparency. This interaction failed on all levels. This is not the first time I have experienced this type of treatment which raises concern about a pattern of behavior. What I want the company to do I am requesting the following A formal investigation into this incident including identification of the employees involved A written explanation of why service was refused or delayed without communication Details on what corrective or disciplinary actions will be taken Information on employee training regarding customers with unseen XXXX Assurance that steps will be taken to prevent similar treatment in the future I am seeking accountability and a meaningful response to ensure this does not happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ALLIANT CREDIT UNION
State: IL

Complaint narrative:
I am complaining about Alliant Credit XXXX denial of my credit-card fraud dispute involving unauthorized BREEZEStake charges. My XXXX and my physical credit card were lost or stolen together because the card was attached to the back of the phone in a wallet. I did not authorize any of the disputed XXXX transactions and received no benefit from them. My best recollection is that the phone and card were lost before the disputed charges began. After I realized the phone was gone, I started using my old XXXX. I reported the unauthorized charges to Alliant and cooperated with its investigation. Despite that, Alliant denied the dispute. Because this involved a stolen phone and stolen physical credit card together, there was a clear path for a third party to obtain the card details and potentially access phone-based authentication, saved sessions, email, or texts. I am requesting that Alliant reopen and properly investigate this as unauthorized credit-card use arising from theft of both the phone and the card, remove the disputed charges and any related interest or fees, and provide a written explanation of the specific evidence it relied on to deny my claim. There were a total of XXXX unauthorized fraud charges : XX/XX/year> XXXX * XXXX * XXXX {$300.00} XX/XX/year> XXXX * XXXX * XXXX {$200.00} XX/XX/year> XXXX * XXXX * XXXX {$200.00} XX/XX/year> XXXX * XXXX * XXXX {$300.00} XX/XX/year> XXXX * XXXX * XXXX {$300.00} XX/XX/year> XXXX * XXXX * XXXX {$300.00} XX/XX/year> XXXX * XXXX * XXXX {$500.00} XX/XX/year> XXXX XXXX XXXX XXXX XXXX {$300.00} XX/XX/year> XXXX XXXX XXXX XXXX XXXX {$200.00} XX/XX/year> XXXX XXXX XXXX XXXX XXXX {$200.00} XX/XX/year> XXXX XXXX XXXX XXXX XXXX {$100.00} XX/XX/year> XXXX XXXX XXXX XXXX XXXX {$200.00} XX/XX/year> XXXX XXXX XXXX XXXX XXXX {$200.00} XX/XX/year> XXXX XXXX XXXX XXXX XXXX {$300.00} XX/XX/year> XXXX XXXX XXXX XXXX XXXX {$500.00} XX/XX/year> XXXX XXXX XXXX XXXX XXXX {$300.00} XX/XX/year> XXXX XXXX XXXX XXXX XXXX {$200.00} XX/XX/year> XXXX XXXX XXXX XXXX XXXX {$300.00} XX/XX/year> XXXX XXXX XXXX XXXX XXXX {$300.00} XX/XX/year> XXXX XXXX XXXX XXXX XXXX {$200.00} XX/XX/year> XXXX XXXX XXXX XXXX XXXX {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing a complaint regarding an unexpected and unjustified creditlimit reduction on my creditcard account.The issuer lowered my credit limit without providing a clear, specific reason. I have a consistent history of ontime payments, responsible usage, and no negative changes in my credit profile that would justify this action.This reduction negatively impacts my credit utilization ratio and may harm my credit score. I requested an explanation from the issuer, but the response was vague and did not provide the required specific reasons for the adverse action.I am requesting that the CFPB require the issuer to : Provide the specific reason ( XXXX ) for the XXXX reduction, as required under federal law Review my account for reinstatement of the previous credit limit Confirm whether any adverse information has been or will be reported to credit XXXX am asking the CFPB to review this matter and ensure the issuer complies with all applicable consumercredit regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I am filing this complaint regarding inaccurate and inconsistent reporting by Westlake on my credit report. This account is being reported differently across the credit bureaus. On XXXX bureau, the account is shown as open, while on others it is reported as closed or charged-off. In addition, the payment history and account details are either inconsistent or incomplete depending on the bureau. This creates a misleading and inaccurate representation of the account. I have disputed this account and requested proper validation, including a full payment history, lease documentation, and an itemized breakdown of any balance being reported. The company has not provided sufficient documentation to verify the accuracy of the account or explain the inconsistencies. Because this account is tied to a rental/apartment, I also requested documentation supporting the balance, including a lease agreement and any move-out charges or fees. This information has not been fully provided. Despite my efforts to resolve this issue, the account continues to be reported with conflicting information across the credit bureaus. This indicates that the account is not being reported with maximum possible accuracy. This inaccurate reporting is negatively impacting my credit and preventing me from moving forward with important financial decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
When Wells Fargo answered to CFPB they lied to u! This XXXX was never refinanced in XXXX or anytime! Was never having problems making a {$53.00} a month payment! How desperate of them! Also the problem still remains and then I should not be liable for any insurance placed on this {$10000.00} loan, which wasnt a loan in the traditional sense. It was an XXXX and beside that when they said they did for a short period of time it was {$110.00} and theyre trying to make me pay them {$3000.00} for insurance that they placed. I said youre wrong. They never if they placed it. It was their fault if they allegedly paid for homeowners when they knew my mortgage co XXXX XXXX always handled my escrow. I was always sending them copies of the insurance, not my problem if they took it as a a bill to be paid it was proof of insurance and that was stated all over the fax beside that where does that come from {$3000.00} of homeowners insurance on a {$10000.00} XXXX! what is that?? Ive continually asked them for specific proof how much they paid, who exactly did they pay? When did they pay? They need to show me the proof theyre also lying about the confirmation number. That was my experience on the phone with the confirmation number it correlated to a new plan of just paying that XXXX time payment {$520.00} like that XXXX time payment and then a payment would go back to {$53.00} a month which I generously offered up {$60.00} a month does that sound like someone who had a problem paying {$53.00} a month now so Wells Fargo I think theyre criminals and they should be closed down! Also ; this XXXX should b paid by now as Ive been paying {$53.00} over XXXX yrs!! I need from them PROOF of the exact insurance co they allege they paid & as well as PROOF of amounts paid & PROOF of when they allege they paid! I want ACTUAL DOCUMENTED PROOF OF THESE PAYMENTS THEY ALLEGE! Actual, factual documented proof! TY! & if they hadnt made all these mistakes on this account, mayb it wouldnt b in dispute! I want actual documented factual proof on paper!! I have not been late on the regular payments on this account ever therefore they should not XXXX able to ruin my credit until this dispute is resolved bcuz now I will go to each credit reporting agency & report my disputes ongoing with Wells Fargo who I am so disappointed with.

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 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
Taking unauthorized money from account and not giving refunds

Company response to consumer: Closed with explanation