vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: American Credit Acceptance, LLC
State: NY

Complaint narrative:
American credit acceptance repossed my vehicle based on an incorrect vin number. The official website decoded my vin number and recognized an error. Despite multiple attempts to recover my vehicle and have American credit acceptance remove the wrongful information off my credit, they will not respond to my requests or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have made consistent payments for over two years towards my Home Depot credit card account. However, I have recently discovered due to being served and being sued that my payments were not properly credited to my account, resulting in inaccurate balances and potential negative reporting on my credit. I have documented proof of payment including bank statements and transaction conformation, clearly showing that payments were made in good faith and on time. Payments started in XX/XX/XXXX ( payments was between {$58.00}, {$56.00}, {$48.00}, it was not a set amount ) until XXXX of XXXX in the amount of {$43.00}. The payments automatically came out of my checking account between the XXXX to the XXXX of every month the date was always random. My issue is that my payments was not applied to my account resulting to the damage of my credit score, inaccurate report on my credit profile, harassment, and being sued which clearly is not my fault. I am requesting a full investigation of all payments made during stated period, correct any misapplied or missing payments immediately, adjust my account, accordingly, remove any negative credit reporting associated with these errors, and provide written confirmation of your findings and corrections, I can provide a complete payment history account record

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 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: FL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-05-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I applied and received a credit amount for a purchase of a XXXX from Synchrony Bank through the XXXX I was buying the bed from. The XXXX price was {$2000.00} XX/XX/year>, XXXX free for 12 months. I did not pay off the bed within the 12 months due to XXXX XXXX At the 12 months Synchrony Bank applied back credit for the 12 months ( this I expected and do not have a problem with ) Sometime after the 12 months the credit limit was reduced, again not a problem as I was not going to used the card again. Each month after that the credit limit was reduced as I got close to the new reduce limit. Again dur to further XXXX XXXX XXXX was not keeping an eye on accounts but still paying the requested XXXX. Only this year I sat down and looked and found that I now owe more than the original amount. when I investigated further, I found that although I was paying the requested min amount ( a lot of times a lot more ) the bank was now charging an " over the limit fee " each month sometimes well over {$200.00} a month. I was not made aware of this. I have paid well above the {$2000.00} for the bed and still owe as of last week {$2000.00} ( I paid {$900.00} to try and close the account ) I called the Bank and they did not care. I have requested all my statements from start to XX/XX/year> ( I have saved the newer statements from the website ) I have not heard from the bank since requesting the statements XXXX weeks ago. I think this is so underhand. I would never have paid this bed off at the rate I was paying. I took money out my pension just to pay this down. I am in the process and getting a loan at high interest to clear this account.

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 2026-05-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Family Choice Financial, Inc.
State: TN

Complaint narrative:
XXXX XXXX came out to my house showed my brother all of my paper work the folder he had with him showed everything I had down on collateral he even asked my brother about the things I had down at one point my brother told him your not supposed to be showing me her paper work or talking about it at that point he closed the folder he taking me to court on the XXXX th of this month hes stalking me on XXXX and XXXX I had to block him he calls me everyday he done filed the paper work is he supposed to be doing this the name of the loan company is first choice in XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: World Acceptance Corporation
State: MS

Complaint narrative:
XXXX I asked that they stop Calling my husband and remove him as a reference. They refused. My account is not even 30 days delinquent and they call XXXX times a day including my husband and telling him it is URGENT I call them. I even suggested they replace him without another reference and they refused. Stated he had to call and consent to his removal as a reference. They should remove him if I ask and put someone else if I request it. The XXXX I spoke to was XXXX and she was extremely unprofessional. I have worked at loan companies in the past and of a customer ask you to remove a reference or to not call, you dont proceed to continue or tell that customer no. My husband has no affiliation with this loan and is not on this loan. If I ask him to be remove they should have obliged and done so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On or about a recent date, Bank of America withdrew {$2700.00} from my personal account through a setoff to pay an alleged business credit card debt. This action was taken without advance notice. The credit card account in question is a business account that has since been closed. The funds were taken from my personal account, which caused immediate financial harm, including disruption of my mortgage payment and risk to my housing. I contacted the company to dispute the transaction. I was informed by a representative that the decision was final and could not be reversed. I requested a copy of the specific credit card agreement applicable to my account at the time it was opened in 2023, including any terms related to setoff and personal liability. I was told that no account-specific agreement could be provided and was instead directed to a generic version online. I also raised concerns that I did not receive any prior notice of the setoff. I was told that correspondence XXXX have been sent to a registered agent address that is no longer valid, and therefore I did not receive any relevant communications. Additionally, a similar setoff on this same account was reversed approximately XXXX years ago. The company has been unable to explain why that reversal occurred, raising concerns about inconsistent application of their policies. I am seeking review of this transaction, a temporary reversal or credit of the {$2700.00} while the matter is investigated, documentation of the agreement governing my account, and records showing when and where any notices were sent.

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 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of my account. The reported information contains errors that do not accurately reflect my payment history. I have been a responsible payer, and the negative remarks on my account are incorrect. Under 15 U.S. Code 1666b, creditors are required to promptly correct billing errors. Additionally, under 15 U.S.C. 1681i ( 7 ), I am entitled to a full description of the reinvestigation procedure conducted regarding my dispute. As a consumer, I request to know all the steps the agency took to ensure the accuracy of the reported information before it was added to my credit report. Despite my efforts to dispute this matter directly with the reporting agency, I have not received adequate verification or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: GA

Complaint narrative:
I am filing a complaint against IQ Data XXXX for unlawful debt collection, inaccurate credit reporting, and harassment. IQ Data XXXX is reporting an apartment-related debt originating from XXXX XXXX. This alleged debt was formally disputed by legal counsel before it was placed with IQ Data. The original creditor wrongfully withheld my security deposit, charged non-deductible items under Texas law, and ignored an attorney demand letter. Despite clear notice that the debt was disputed and legally defective, IQ Data XXXX furnished this account to XXXX, XXXX, and XXXX, misrepresented itself as the original creditor, and has continued to update the tradeline, including as recently as XX/XX/year>. In addition to inaccurate credit reporting, IQ Data XXXX has engaged in repeated and daily collection calls, including calls made after the debt was reported to my credit and after notice of dispute. This conduct is harassing and unlawful. As a direct result of IQ Data XXXX inaccurate reporting to all three consumer reporting agencies, I have been unable to secure rental housing, causing material financial harm, housing instability, and emotional distress. I am seeking full deletion of the tradeline from all consumer reporting agencies, and cessation of all collection activity. This debt should never have been reported, and IQ Data XXXX continued conduct constitutes willful violations of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: CT

Complaint narrative:
I made a purchase on XXXX from a third-party seller in the amount of {$210.00}. The third-party merchant sent me the wrong item, not even remotely close to what I ordered, and after contacting them for the item that I ordered, they said that they were unable to fulfill the order, but if I dispose of the wrong product they sent me they would send me a refund. So I dispose of the wrong product that they sent me and sent them proof of the disposal and they refuse to give me the refund. So I contacted my chime bank, letting them know that I was scammed into making a purchase for a product that was not real. I explained to them that not only was I scammed into making a purchase for a false product but the merchant promised to give me a refund for the order and they still didnt after waiting 3 months. Chime denied my dispute request XXXX times without saying why. Even though I requested the information they sent a PDF explaining their decision, but not details of how they came to the decision so theyre basically already explaining to me that the request was denied, which I already knew I asked for the details of the investigation which they refuse to give. I called them over the phone and I spoke with XXXX of their management team members, and he was very rude and nasty to me. After explaining the situation to him and telling him that if Chime cant help me with this problem or protect their user from scammers, then whats XXXX XXXX of having a bank account with them? He said verbatim maam, chimed and steal your money. The scammer did. Its not our fault and theres nothing we can do. and hung the phone up on me. this situation has caused me so much stress over the past XXXX months, all XXXX asking for is some help to solve this issue. {$210.00} is not a small amount in this economy and I just feel wrong and that no one can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a {$50.00} visa prepaid general gift card purchased at XXXXXXXX XXXX XXXX XXXX XXXX. When i tried using the gift card to make a purchase at XXXX in XX/XX/XXXX, the card did not work. I called the number on the back, they asked that i submit a form online with information including copy of my I.D . I tried to submit this form online but the form was not able to process the request. I called the number back to let them know the online form does not work. They said to fax a copy of my i.d . and the front and back of card and/or mail it to a XXXX XXXX in XXXX Florida XXXX I have not heard back on new card to be able to use it.

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 2026-05-06 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: Chime Financial Inc
State: NJ

Complaint narrative:
Complaint Against Chime Unauthorized Transactions and Failure to Investigate I am filing this complaint regarding unauthorized transactions on my Chime account and the companys failure to properly investigate or resolve the issue. On XX/XX/year>, XXXX unauthorized transfers were made from my account in the amounts of {$70.00} and {$140.00}, totaling {$210.00}. These funds were transferred to another account within Chime. I did not authorize these transactions and have never sent money to this recipient before or after this incident. At the time of these transactions, I did not have possession of my phone. My phone was lost on XX/XX/year>, and I have documentation confirming the loss and replacement of the device. This indicates my account XXXX have been accessed without my authorization. I contacted Chime to report the fraud and request an investigation. However : - My claim was denied without sufficient explanation- I was refused information about the receiving account - I was denied reimbursement of the unauthorized transactions - I was told the receiving account no longer exists - I requested contact information for their legal department and registered agent and was not provided with any information Chime has failed to provide transparency, failed to conduct a meaningful investigation, and failed to protect my account from unauthorized access. If necessary, I am prepared to provide documentation of my phone loss and any additional supporting evidence. This situation reflects serious concerns regarding account security and consumer protection. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
I sent a written cease and desist request on XX/XX/XXXX to Halsted Financial Services , LLC instructing them to stop all communications with me regarding the alleged debt. Despite receiving my request on XX/XX/XXXX, the company continued to contact me by text message on at least three separate occasions ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) after the date they received my letter. Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must cease communication after receiving a written request, except for limited purposes such as confirming no further contact or notifying of specific legal action. The continued text messages do not fall under those exceptions and appear to be violations of federal law. I also disputed this alleged debt in writing and requested validation. The company failed to provide any validation of the debt and continued collection activity, including sending text messages. This is a violation of the Fair Debt Collection Practices Act, which requires a debt collector to cease collection efforts until validation is provided after a timely dispute. I am requesting that the CFPB require this company to : Immediately cease all communication with me Investigate and address these violations Provide documentation showing how they are complying with the FDCPA I have retained copies of my cease communication letter and screenshots of the text messages as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: FIRST PORTFOLIO SERVICING INC
State: OK

Complaint narrative:
I. Subject of Complaint This is a standalone dispute regarding a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and the fraudulent business practices of XXXX XXXX ( XXXX XXXX ) and successor servicer Vervent Inc . The consumer is a XXXX XXXX XXXXXXXX veteran victimized by a criminal enterprise currently under federal indictment ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX. Factual Basis for Audit : Title Fraud & Failure of Service The consumer asserts the underlying retail installment contract is void due to premeditated administrative fraud : Official Notification of Title Rejection : Evidence ( Notification of Title Transfer Rejection, XXXX XXXX XXXX, XX/XX/XXXX ) proves the dealer attempted to register the vehicle with fraudulent mileage data. The state REJECTED the title. Intentional Withholding of XXXX XXXX : The dealer never provided a permanent metal license plate, keeping the consumer on temporary paper tags for the duration of the account to conceal the fact that they could not produce a legal, non-fraudulent title. XXXX XXXX : Per the federal indictment, XXXX engaged in " double-pledging '' vehicle collateral. The consumer asserts this vehicle was used as fraudulent collateral for multiple lenders, preventing the consumer from ever receiving a clean title despite faithful payments. XXXX. Breach of Warranty & Mechanical Failure The vehicle suffered a total, catastrophic engine failure less than XXXX hours after a dealer-certified " inspection. '' This constitutes a gross breach of the Implied Warranty of Merchantability. The consumer exercised the legal right to reject the non-conforming, ruined goods and ceased payments on a contract derived from fraud. IV. Illegitimate Tax Reporting ( XXXX ) The entity issued a XXXX for {$10000.00} ( Ref : Form XXXX XXXX ), reporting this as " canceled income. '' The consumer asserts this reporting is a secondary fraud ; a debt established through a criminal enterprise and a voided title can not legally be reported as income to the victim. This improper reporting has caused severe administrative harm, specifically inflating the consumer 's income for other state agency assessments.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Kikoff Inc.
State: NY

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of my account. The reported information contains errors that do not accurately reflect my payment history. I have been a responsible payer, and the negative remarks on my account are incorrect. Under 15 U.S. Code 1666b, creditors are required to promptly correct billing errors. Additionally, under 15 U.S.C. 1681i ( 7 ), I am entitled to a full description of the reinvestigation procedure conducted regarding my dispute. As a consumer, I request to know all the steps the agency took to ensure the accuracy of the reported information before it was added to my credit report. Despite my efforts to dispute this matter directly with the reporting agency, I have not received adequate verification or resolution.

Company response to consumer: Closed with explanation