vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I am a co-borrower on a XXXX XXXX XXXX auto loan with Credit Acceptance. The primary borrower relocated across states with the vehicle and remains seriously delinquent. Despite repeated notices of default, late fees, and a large past-due balance, Credit Acceptance continues to accept minimal promise-to-pay payments that keep the account in perpetual default and delay meaningful resolution. The company has been notified of the vehicles changing locations and risk of loss, yet has not taken reasonable steps to secure the collateral or mitigate co-borrower harm. This ongoing delinquency is damaging my credit, increasing fees and balances, and prolonging risk to the lenders collateral while the vehicle is moved between states.

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 2026-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services
State: AP

Complaint narrative:
On XX/XX/year>, I received an email stating a new line of credit has been opened. I know I did not open or request anything recently and checked my credit report. I saw new student loans opened with EdFinancial for XXXX XXXX XXXX XXXX which I did not open/request. I'm currently not in school and do not live at the address or use the number listed as being associated to the loan or myself. I've spoken to Federal Student Aid and notified them. I've notified credit bureaus. I've notified XXXX of the fraud and submitted a report with identitytheft.gov - XXXX. There are 3 loans in total. The first one was opened on XX/XX/year> in the amount of {$1500.00}. The next two were opened on XX/XX/year> for amounts {$160.00} and {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I am writing regarding a XXXX XXXX XXXX credit card I opened under a promotional offer of XXXX bonus miles after meeting a stated spending requirement within a specified timeframe. I fulfilled the required spending within the required period. I have never previously held this specific XXXX XXXX card product. However, after meeting the promotional terms, the XXXX welcome bonus was not awarded. My written inquiry resulted in a general response stating that American Express reserves the right to withhold welcome offers, but no specific explanation or contractual basis was provided for denying this bonus. I am respectfully requesting a written explanation identifying the specific reason and clause under the offer terms that disqualified me. If all requirements were met, I request that the XXXX bonus be awarded in accordance with the advertised promotion. I applied and completed the required spending in good faith reliance on the promotional terms and would appreciate a clear resolution. My account number is XXXX and my delta number is XXXX. I have written and called with no effective response. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
In XX/XX/year>, I logged into my Bridgecrest account and observed that approximately {$27000.00} had been credited toward my auto loan balance. After seeing this adjustment, I paid the remaining balance of {$430.00}. My Bridgecrest account then reflected that the loan was paid in full. Approximately two weeks later, Bridgecrest mailed me my vehicle title. About one week after receiving the title, I received a refund check from Bridgecrest for overpayment of {$800.00}. Several months later, I received communication stating that my vehicle was being considered for repossession due to a returned payment. When I contacted Bridgecrest by phone, I was informed that the payment was reversed due to insufficient funds. However, I did not authorize or initiate the payment they are referencing, and no such payment was ever presented to or returned by my bank. My bank records do not show any attempted debit, pending transaction, or returned payment from Bridgecrest corresponding to the claim of insufficient funds. Despite Bridgecrest previously marking the account paid in full and releasing the vehicle title, I have been informed that I must pay a past due balance to bring the loan back on track. I am seeking clarification and resolution regarding : I request that Bridgecrest formally acknowledge the paid in full status of this auto loan and correct the account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a long-standing Chase customer with an excellent payment history and zero prior late payments. Recently, I added a new bank account to the Chase platform to facilitate payments. Due to a technical error within the Chase payment processing system, a payment was returned despite the account being correctly linked. Upon being notified by a Chase representative, I took immediate corrective action by resubmitting the payment while on the phone. The representative confirmed the payment was successful and that my account remained in good standing. Subsequently, I participated in a " Credit Line Review '' where I explained the technical nature of the error and reiterated my intent to continue my history of substantial debt reduction. The reviewer indicated the explanation was satisfactory. Basis for Complaint & Adverse Impact : Despite my proactive resolution, Chase proceeded to drastically reduce my credit limits to nearly my current balances. This action effectively " maxes out '' my credit utilization ratio, which will cause immediate and severe damage to my credit score. Under the Equal Credit Opportunity Act ( ECOA ), implemented by Regulation B, creditors are prohibited from taking adverse action that is discriminatory or lacks a legitimate business justification when a consumer has met their obligations. Furthermore, as a resident of California, I am protected under the Rosenthal Fair Debt Collection Practices Act and California Civil Code Section 1785.25, which requires creditors to report accurate information. By forcing a high utilization rate through an arbitrary limit reduction following a technical glitch I corrected, Chase is effectively penalizing me for an error I did not cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 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: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I am filing a formal complaint regarding a CareCredit account used to finance orthodontic treatment through Byte Aligners. I disputed the charge after the treatment failed to produce the promised results and XXXX did not provide an adequate resolution despite multiple attempts to address the issue directly with the company. The product and service financed did not meet the expectations or outcomes advertised, and I was not provided with an effective remedy or continuation of care. Despite this, CareCredit denied my dispute without sufficient investigation into the merchants failure to deliver satisfactory results. I am requesting that Synchrony Bank conduct a thorough and fair review of this dispute and remove the charges associated with this failed treatment from my account. I believe I should not be held financially responsible for services that were ineffective and not delivered as promised.

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 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
CFPB Complaint Potential UDAAP Violation Company : JPMorgan Chase Bank Product : Checking Account Issue : Account Closure Without Explanation Complaint : I am filing this complaint against JPMorgan Chase Bank regarding the sudden and unexplained closure of my checking account. I believe this action may constitute an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ) under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ). On or about XX/XX/year>, I was notified that my checking account had been closed. No specific reason was provided. I was not given meaningful prior notice, an opportunity to respond, or any explanation sufficient to understand the basis for the decision. To my knowledge, my account was in good standing and I did not engage in fraudulent, suspicious, or unlawful activity. I just opened the account that day in branch. The banks failure to provide transparency regarding the closure : Prevents me from understanding or correcting any alleged issue. Disrupts my financial stability, including direct deposits and automatic payments. Potentially exposes me to reputational harm if negative information is reported to consumer reporting agencies. Under UDAAP standards, an act or practice is considered unfair if it causes or is likely to cause substantial injury to consumers that is not reasonably avoidable and not outweighed by countervailing benefits. Closing an account without explanation or due process may meet this standard, as consumers are left without clarity or recourse. Additionally, if the banks account agreement suggests fair treatment and transparency while failing to provide a reason for termination, such conduct may also be considered deceptive or abusive under federal consumer protection law. I respectfully request : A written explanation detailing the specific and factual basis for the account closure. Disclosure of whether any reports were made to XXXX, XXXX XXXX XXXX, or other consumer reporting agencies, and copies of any such reports. Immediate release of any funds being held, including the legal basis for any hold. Written confirmation that no negative or adverse reporting has occurred, or correction of any inaccurate reporting. A review of this matter for potential UDAAP compliance concerns. I expect a formal written response addressing these issues in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

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 non-monetary relief
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Goal Structured Solutions, LLC
State: IL

Complaint narrative:
Starting XXXX XXXX I requested deferment for my account due to qualifying terms on my contract. I have been met with continous delaying tactics and false collection attempts from Launch Servicing as they attempt to collect undue payments from me. They continue to send me delinquency letters even though I am over paid on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ershowsky Verstandig PLLC
State: VA

Complaint narrative:
I filed a XXXX XXXX XXXX on XX/XX/year> with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. A debt collection company by the name of Ershowsky Verstandig PLLC, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX continues to garnish my wages after XXXX notifications of a bankruptcy has been filed and they refuse to release my income. I have called my bankruptcy lawyer multiple times and it seems like they are doing nothing at all about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Media Collections, Inc
State: PA

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 non-monetary relief
Consumer complaint received 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America claimed my account were " risk closure '' after someone hacked my accounts on XX/XX/XXXX. They didn't notify me that they were closing my accounts permanently beforehand and wouldn't let me access my remaining funds.I had to walk into a branch and find out. I received a later dated XX/XX/XXXX, a week later discussing the details of the closure and my funds would be sent via check which I have yet to receive. I called and spoke to 3 different people about my funds. Someone said that it's not officially closed yet. It could take up until the end of XXXX. That is definitely unacceptable and unprofessional.

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 monetary relief
Consumer complaint received 2026-02-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2026-02-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: MIDFIRST BANK
State: NH

Complaint narrative:
I am a XXXX XXXX XXXX veteran who has been XXXX with a XXXX XXXX called XXXX XXXX. My wife and I divorced because of the limits the XXXX put on my XXXX XXXX XXXX. She agreed to continue paying the mortgage for two years post divorce. She stopped paying almost immediately. The mortgage company removed her name from the mortgage and I am now solely responsible. That is when she stopped paying. I have asked the mortgage company to offer the partial claim process but they instead sent me a mortgage modification that more than doubled my interest rate and added 10 years to my mortgage. The VA is evaluating an increase in my XXXX XXXX due to the XXXX XXXX of my XXXX, which will allow me to comfortably afford my mortgage. They have not even asked. I communicate with them via email due to my XXXX for which I am rated 70 % alone, in addition to various other XXXX that excess 1XXXX XXXX. They are clearly trying to take advantage of my situation and XXXX by offering me a mortgage that adds hundreds of thousands to my loan. My current rate is 3.25 % and they are offering me 6.75 %.

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 2026-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Veros Credit, LLC
State: SC

Complaint narrative:
On XX/XX/year>, I made my scheduled payment to Veros Credit. I was not in default and had never been more than 29 days late on any payment. The week of the repossession, on Tuesday, I personally contacted the dealership salesman, XXXX XXXX, and provided him with documentation of my payment arrangement with the bank. On XX/XX/XXXX, after making my payment early, I sent XXXX a screenshot of the payment receipt before XXXX XXXX proof of payment was in his hands before the business day even began. Despite this, later that same day, XXXX XXXX XXXX in XXXX, SC took possession of my vehicle. I was invited to the dealership to try to work the issue out by having my wife apply for a loan in my place, which I did not understand. When I presented my XXXX XXXX XXXX filing, the dealer 's representative acknowledged it and stated, XXXXWe can get lawyers. ' They took the vehicle anyway, stating that I was not getting my property and then threatened to call the police. Afterwards, the representative tried repeatedly to get me to give him both of my keys, which I believe was to foster the idea that I had voluntarily given up the vehicle. I contacted Veros Credit directly in advance of my visit to the delaership and was informed I was not on any repossession list. This repossession was carried out without my consent, without legal authority, and in direct violation of the automatic stay under 11 U.S.C. 362, which was in full effect at the time. Since this time I have continued to receive mailed statements, phone calls and texts from the bank. I have sent certified mail to the dealership and to its owner notifying them of the violations with no response. I am requesting a full investigation into this matter and appropriate action against both Veros Credit and XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Happy Money, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, an ACAT transfer happened without my notice or knowledge for a Roth Retirement Account of about $ XXXX held with XXXX XXXX XXXX and was transferred to an unknown account with XXXX XXXX. I reported this with XXXX and with XXXX XXXX and it is still being resolved. The money has not yet been returned. On XX/XX/XXXX, I received notice that someone opened up a fraudulent short-term loan of about $ XXXX with XXXX XXXX XXXX I just spoke with XXXX and they recommended I file a report with the federal government. I pay for an XXXX product to dispute the fraudulent loan with XXXX XXXX. I had frozen my credit with XXXX XXXX XXXX XXXX after reporting the XXXX account having a {$0.00} balance to XXXX in XXXX of XXXX. I signed up for an XXXX product as a result of trying to clean all of that up and they recommended I file this report. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 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: Chime Financial Inc
State: FL

Complaint narrative:
There was a charge for {$99.00} for XXXX XXXX XXXX. The app never gave me the in game diamonds I purchased. I told this to the bank. They did nothing and claimed there was no error despite the fact I made it clear I was jipped.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 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: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
The company will not disclose any information to me about the card because whoever stole it was able to put a verbal password on it. Whoever is using keeps changing my address and receiving replacement cards. I have been dealing with this since XXXX.

Company response to consumer: Closed with explanation