vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-07 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: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I previously made a complaint about fraudulent XXXX charges from XXXX in XX/XX/XXXX. I mentioned that XXXX might be too, however, I didnt even mention that to Chase XXXX department XXXX Recently, I contacted the fraud department to follow up, because they had told me they were investigating, but never heard back. I told the woman in the fraud department that I spoke to you. I do believe it was XX/XX/XXXX if not, it was the XXXX that I had previously spoke to a rep that said that she could not find a record of these charges on my account. She gave me the fraud recovery email and asked me to send her my statement. I did. This wasnt helpful because she made the fraudulent purchases for me on XX/XX/XXXX to attempt to make this fraud look legit legitimate. Not only that she made XXXX charges, Dairy Queen charges, and XXXX card ended in XXXX in XX/XX/XXXX. The attached is my recent transactions. Theyre not old transactions their transactions that were on the statement but not posted until they did it XX/XX/XXXX. They were never credited, so they can not use the we issued a prior credit in reverse it, because these werent legitimate transactions either. See my previous complaint I attached all documentation of purchases from XXXX made with card ending in XXXX. Besides showing them as recent transactions, I attached XXXX example so you could see.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have leased a car since XXXX with XXXX. My car was repossessed on XX/XX/XXXX without any notification. They tresspassed on private property and I was never notified by my landlord that they had come on the property to repossess the car. I have fallen behind numerous times over the last XXXX years and asked why they did this even when I contacted the dealership to tell them I was turning it in at the end of the month and they never notified me of the repossession. I believe this was done on purpose and I'm requesting an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am filing a formal complaint regarding multiple inaccurate and unverified collection accounts being reported on my credit report. The following accounts are being reported without proper verification and contain inaccurate and inconsistent reporting across credit bureaus. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX Missouri {$480.00} XXXX. LVNV Funding LLC Original Creditor XXXX XXXX Bank {$2800.00} XXXX. LVNV Funding LLC Original Creditor XXXX XXXX Bank {$860.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} These accounts violate the Fair Credit Reporting Act under 15 U.S.C. 1681e ( b ) because the credit bureaus have failed to ensure maximum possible accuracy. The reporting is inconsistent across credit bureaus, with conflicting account statuses, account types, and missing payment history. Additionally, these accounts are being reported by debt buyers without providing : Original signed contract Complete chain of assignment proving legal ownership of the debt Original account statements Proper validation of debt Under XXXX U.S.C. XXXX, credit bureaus must conduct a reasonable investigation when disputes are filed. Courts have ruled that automated verification systems are insufficient. XXXX v XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Furthermore, debt buyers reporting past due balances without proof of contract or assignment violates the Fair Debt Collection Practices Act : XXXX U.S.C. XXXX False representation of debt XXXX U.S.C. XXXX Unfair collection practices XXXX U.S.C. XXXX Failure to validate debt The Supreme Court has ruled that debt buyers must prove ownership of debt before attempting to collect. XXXX v XXXX XXXX XXXX XXXX, XXXX S.Ct. XXXX ( XXXX ) Since these accounts remain unverified and inaccurately reported, I demand the following : XXXX. Immediate deletion of the accounts XXXX. Proof of the original contract XXXX. Complete chain of assignment from the original creditor XXXX. Method of verification used by the credit bureau Failure to correct these violations may constitute willful non-compliance under the Fair Credit Reporting Act. I request immediate investigation and deletion of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One closed all my accounts associated with them had a bank error on my end fix my resolving issues and Capital One still close my accounts without any notice or the option to have my balances paid off tried calling them to reason with them and they still when it talk or get me a manager or supervisor to help with the situation they are acting unlawful closing accounts, saying that they are suspicious activity or unusual use of cards when I had the cards for several years and never had an issue with them till one day they stop accepting my payments and then close my accounts all of a sudden

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I am submitting this complaint regarding derogatory credit reporting by Nelnet on my federal student loan account serviced for the U.S. Department of Education. On or about XX/XX/year>, I discovered that Nelnet reported multiple 120-day delinquent payments to my credit file with XXXX. These derogatory entries appeared all at once and resulted in a dramatic decrease in my credit score of approximately XXXX points. Prior to discovering this issue, I was unaware that my account had become delinquent. Nelnet had an outdated email address on file and relied on that email address for communications. I did not receive delinquency notices or repayment option communications. Additionally, while Nelnet states they attempted to contact me by phone, my phone system automatically blocks unknown numbers and Nelnet does not leave voicemail messages. As a result, I did not receive any successful communication alerting me that my account had become severely delinquent. Once I became aware of the issue, I immediately contacted Nelnet to dispute the reporting and explain the communication failure. I was informed that I did not qualify to submit a dispute with Nelnet and was instructed to dispute only with the credit bureau. My understanding is that under the Fair Credit Reporting Act, companies that furnish information to credit bureaus are required to investigate disputes regarding the accuracy of information they report. Because I was never successfully notified that my loan had become delinquent and was not given an opportunity to resolve the issue before severe derogatory reporting occurred, I believe the credit reporting does not fairly represent the circumstances of my account. I have since filed a dispute with XXXX regarding these derogatory entries. I respectfully request that Nelnet conduct a full review of the credit reporting on my account and provide the following : 1. Confirmation of all delinquency notices sent to me 2. The dates those notices were sent 3. The communication methods used ( email, mail, phone ) 4. A review of whether the credit reporting should be corrected or adjusted given the failed communication. I acted immediately upon becoming aware of the issue and am requesting a fair review of the reporting and appropriate correction if warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
This is a response to Rushmore Services explantion letter. with clear evidence that i had active insurance policy during the time they purchased a new policy : I am escalating my dispute regarding Loan # : -- -- -- ( Property address : -- -- -- -- - ). Key Issues : Active Insurance : My homeowners insurance ( Policy # : -- -- -- - ) was active and paid through escrow at XXXX XXXX at the time you claim coverage lapsed ( XX/XX/XXXX XX/XX/XXXX ). Your placement of lender-placed insurance ( LPI ) was therefore improper. Failure to Notify : You allege a policy cancellation in XX/XX/XXXX or XX/XX/XXXX, yet I was never informed via email, portal, or mail to my current address. Federal regulations require servicers to provide timely notice before placing insurance or reporting delinquencies. Escrow & Payment Errors : LPI charges caused incorrect escrow shortages and increased my monthly payments. Credit Reporting Violations : Rushmore reported my account as delinquent due to these improper charges. My credit score, previously above XXXX, has now dropped below XXXX. This reporting is inaccurate and violates the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: TomoCredit Inc.
State: PA

Complaint narrative:
Hello my name is XXXX XXXX and I need my application fee for {$120.00} to be fully refunded or half refund because I have picked the wrong package or down grade my package to the right package for a noon businesses person because I pick the wrong package for business and I dont own a business or own one or correct my application submitted so it cant be approved etc. But when I contact yall about it to get it resolved or my application information correct so I can get approved yall cancel my application out and cancel my account for no reason and I still need my refund for service I didnt received so please process my refund and send me proof when my refund is processed and refunded back to my debit card my account email is XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: Chime Financial Inc
State: TX

Complaint narrative:
On Tuesday XX/XX/year> there was a few fraudulent transactions taken out of my chime bank account From : XXXX {$490.00} XXXX XXXX- {$37.00}, {$43.00}, {$27.00} I filed a dispute with the bank and they still denied the charges saying they were legit. These were fraudulent I did not make these transactions and I want my money back!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI

Complaint narrative:
The account is closed so now when trying to make payments no one answers the phone nor return my calls

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
Didnt fix amount on credit report also trying to purposely hinder my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: UPGRADE, INC.
State: KY

Complaint narrative:
Upgrade XXXX has been harassing me for MONTHS. I get XXXX calls every single day, all day, from all new numbers. I block them all, and the next day they use all numbers. Im literally about to change my phone number to make this stop, I cant take it anymore!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
Continuous harassment calls while I am working after being told numerous times by management and HR that they are to not call while I'm at work You can ask you what bills is to handle on XXXX and they still continue to call and have attitudes and hang up

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I ordered an XXXX ride and added a paymnet method from my bank, Chase, to pay for the ride. The cost including tip was {$60.00}. On XXXX, XXXX, I noticed that I was charged {$60.00} which was ok. However, I was also charged {$31.00} from the same XXXX technologies. This charge was NOT authorized. I notified XXXX and was told that it would be corrected and the charge would be reversed. If my bank did not reverse the charge within XXXX business days, I should contact XXXX again .. On XX/XX/XXXX, I saw a reversal of the charge and my account was credited. I mistakenly thought that was the end. Subsequently, on XX/XX/XXXX I saw that the XXXX was deducted again. I contacted Chase again and was told that the initial reversal of the charge was done by Chase once I questioned the transaction and Chase would investigate. On XX/XX/XXXX, after upoading various documents to Chase XXXX, I was told that there was nothing Chase could do bec of no cooperation from XXXX and its financial institution.The rep suggested i contact XXXX again. On XX/XX/XXXX, I contacted XXXX again and recieived the same response Of course I am not allowed to know the identity of the XXXX 's bank. I can not understand why Chase can not continue to investigate and demand cooperation to refund my XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: MI

Complaint narrative:
After XXXX I was displaced from my job and had my student loan XXXX. I just simply missed when they came out of XXXX! Too many emails to many spam calls just really missed it! I was current and paying extra on every other loan trying to recover from the XXXX disaster! I just missed or overlooked nelnet maybe thought it was junk mail sp calls but when I checked my credit and seen they divided my loan into XXXX separate loans and hit me with XXXX XXXX days late hits that will last until XXXX? This didnt just hurt my credit it ruined me and has cost me thousands in high interest rates Ive XXXX to dispute through credit reporting companies like XXXX I even tried through Nelnet? Im no denying I deserve a credit hit I did mess up but XXXX for the same loan? when then send me my tax form they send XXXX form? not XXXX so I feel this was a almost predatory credit hit that will impact my life for years for a simple mistake I have made? Every payment has been on time and have on auto pay currently so it never happens again but they refuse to even consider changing it to XXXX hit and not XXXX? And even though the send XXXX form with XXXX single tax amount and not XXXX separate broke down individual accounts showing tax on each seperate account so I just feel this is so extreme for a simple oversight that will cost me on every financial loan credit even car insurance until XXXX! Please help me I really didnt deserve this atleast not at this level! Thanks for any help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Reliance Motor Credit LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX continues to show on my credit report as an open account with a late payment. In their response to the initial report they said they would remove late payment and account is closed. This continues to affect my credit score negatively and hurting my ability to apply for credit or loans if I needed to. I have been unable to speak to someone at the company regarding fixing this ongoing problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
I have submitted multiple complaints to the department of education regarding my XXXX buyback request. The first XXXX responses were an automated response saying that there is nothing they can do about my buyback request. The latest response I received on XX/XX/year> is below : Hello XXXX, Thank you for contacting the XXXX Department of Education XXXX XXXX XXXX Federal Student Aid. This email is in reference to your complaint regarding the status of your XXXX XXXX XXXX XXXX ( XXXX ) XXXX application. Your case number is XXXX. Please retain this number for reference. We hope you find this information helpful. Our records you submitted the XXXX application XXXX. Once your application is processed your loan servicer will provide you with amount you need to pay. Unfortunately, you are not able to check the status of your buyback request in your FSA ID account. We are able to see that you do have a buyback request and that it is being worked on by internal departments. The XXXX XXXX XXXX is managed by the XXXX Department of Education. Your buyback request will be emailed to you as soon as possible. Currently, it takes XXXX business days to get through our review and up to the internal departments. Once it has been sent, there is no timeframe established for this to be completed, as many people will be requesting a buyback and each account will need a thorough review. If your request is approved, you will be emailed a XXXX XXXX XXXX detailing the amount you must pay back and the instructions to complete the process. Your loan servicer must receive the total buyback amount within XXXX days of the notice, or you will have to start the process over. We recommend that you visit https : XXXX and scroll to " After You Submit a Request '' to ensure you are completing everything you need to do while your buyback request is being reviewed. The link above will also confirm that there is no way to check the status of these once submitted. We are sorry to not be able to provide that for you. Sincerely, Federal Student Aid What company doesn't allow you to check the status of your request? What kind of billing department does not have a timeframe for giving their customers a bill? What department is allowed to take as long as they want to create a bill? There should be a timeframe and accountability for processing these applications. Every organization is short staffed, but we all have timeframes. Please help me get a bill so I can pay off my student loans and move on with my life. XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: MN

Complaint narrative:
To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance : 1. A copy of the original signed contract or agreement bearing my signature ; 2. A full chain of title including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the debt ; 4. Proof of licensing to collect debt in my state5. Surety bond information ( if required by law in your jurisdiction ). A billing summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of this unverifiable debt to credit bureaus is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and constitutes the furnishing of inaccurate and incomplete information. Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : 15 U.S.C. 1692e - False or misleading representations 15 U.S.C. 1692f - Unfair practices 15 U.S.C. 1692g - Failure to validate debt If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within 15 calendar days, I will proceed with legal action against your agency under 15 U.S.C. 1681n and 1692k, including but not limited to statutory damages, punitive damages, legal fees, and costs. This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and pursue civil litigation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation