vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: AR

Complaint narrative:
On XX/XX/year>, I paid {$500.00} through an XXXX transfer to a company called XXXX XXXX XXXX. I was told before paying that the {$500.00} deposit was fully refundable if I viewed the apartment and decided not to move forward. No lease or contract was ever provided or signed. On XX/XX/year>, I viewed the apartment and informed the representative that I was not interested. After this, she changed the terms and stated the deposit was nonrefundable, which contradicts what I was told at the time of payment. I did not receive the service I paid for, and the terms were misrepresented. I filed a dispute with Chime and submitted screenshots showing the refundable deposit promise, proof that no lease was signed, and a police report documenting the misrepresentation. Chime closed my dispute stating no error found without reviewing my evidence or providing any documentation used to deny my claim. Under XXXX XXXX, the bank is required to conduct a reasonable investigation, review all evidence, and provide the documents relied upon to deny the claim. None of this was done. I am requesting that the dispute be reopened and properly reinvestigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
b'I have no knowledge of these debt . I have experienced hardship pertaining to this debt. I was a victim of identity theft.\n.RESURGENT/LVNV FUNDING\nAmounts XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: MA

Complaint narrative:
REQUEST FOR METHOD OF VERIFICATION & DEBT VALIDATION I am writing in response to the reporting of an alleged debt being collected and reported by Midland Credit Management. I dispute this account in its entirety and request full verification of this alleged debt under the Fair Credit Reporting Act ( FCRA ), including a clear explanation of the method used to verify this account. Please provide the following : The complete chain of ownership of the account, from the original creditor ( XXXX XXXX ) to Midland Credit Management A full itemized account statement showing all charges, payments, fees, and adjustments A copy of the original signed agreement or contract bearing my signature Documentation showing Midland Credit Managements legal authority to collect this specific debt Proof that the information being reported to XXXX, XXXX, and XXXX has been verified for accuracy The exact method of verification used to confirm this account belongs to me If this account can not be fully verified with competent and complete documentation, I request that it be deleted from all credit reporting agencies immediately. Additionally, if the account has been verified only through internal database matching or electronic confirmation without supporting original documentation, I request that this be clearly stated as part of the verification method. I am requesting a full reinvestigation and correction or removal of any inaccurate, incomplete, or unverified information associated with this

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
An individual from work I knew asked to use my PayPal account for what I believed were legitimate rent and bill payment transactions.i was told that I would not receive a charge back or anything. I was offered compensation for allowing use of the account, in the amount of {$400.00}. The individual requested approximately {$1800.00} from another person through my PayPal account and later transferred approximately {$1400.00} to himself. I was told I could keep approximately {$400.00} for allowing use of the account. However, I have not spent or used those funds, and they remain untouched in my savings account. I later discovered that the transactions resulted in a chargeback and negative balance on my PayPal account. I now believe I was manipulated into participating in fraudulent activity without fully understanding the nature of the transactions at the time. I have screenshots, messages, and transaction records showing the other individual directed the activity and coordinated the transfers. I attempted to contact PayPal for assistance, but I was informed they could not help remove the negative balance and/ or I would have to wait XXXX or more days which is causing me financial distress with me not being able to pay my bills and my current bills going negative because I cant use my PayPal account. I am requesting a full investigation into the transactions and associated accounts, as well as review of my liability regarding the negative balance created by this fraud situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: VA

Complaint narrative:
I have been calling this company for the past year or XXXX and telling them Im a victim of identity theft and can they please remove the late payments on my account that was fraudulent made. The account is closed and paid and all I need is for them to immediately delete the account. Identity theft has ruined my life and credit and I have been fixing my credit for the past XXXX almost 4 years. I would greatly appreciate it if they can please remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My consumer credit file contains information that is inaccurate, incomplete, and unverified, requiring an immediate and legally compliant reinvestigation. Pursuant to Section 611 ( a ) ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), any information that can not be verified through proper procedures must be promptly deleted or corrected. The continued reporting of such information without sufficient evidentiary support violates my rights as a consumer and fails to meet the statutory standard of maximum possible accuracy.

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 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: IA

Complaint narrative:
XXXX writing to file a complaint against JEFFERSON CAPITAL LLC for violating my consumer rights under XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in XXXX CFR XXXX ( b ) ( XXXX ). On top of that, I havent been given a chance to dispute the account, which XXXX entitled to under XXXX CFR XXXX ( c ) ( XXXX ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: AL

Complaint narrative:
b'please remove the following account collection Harris & Harris Ltd XXXX XXXX Account Number: XXXX\nReported Balance: $XXXX\nDate Opened: XXXX'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
To Cash App Support, I am formally appealing the denial of the unauthorized transaction involving {$100.00} sent to XXXX. I dispute your conclusion that this transaction was authorized by me or anyone with my permission. I do not know this person, have never heard of this individual, and did not authorize this payment. Your denial states that : - the transaction was initiated from a device in my possession, and - a security lock feature was used. I am requesting all supporting documentation and evidence used to reach this decision, including but not limited to : - device information, - IP address logs, - location data, - authentication records, - timestamps, - login history, - and any evidence showing this transaction was personally authorized by me. Please show specifically how Cash App determined this payment was made by me. This identity fraud issue has affected multiple financial accounts and merchants. I have already : - filed a police report, - filed FTC identity theft reports, - disputed related fraudulent transactions with financial institutions, - and cooperated fully with investigations. I will also be providing this information to law enforcement as part of an active investigation into the individual connected to this transaction. Another financial institution recently reissued my debit card due to fraudulent activity involving unauthorized gift card purchases. Because of these ongoing incidents, I take this matter very seriously and expect proper investigation standards before denying fraud claims. At this time, I do not feel adequately protected as a customer. While it is not my desire to close my Cash App account, if unauthorized transactions are denied without sufficient proof or transparency, I will have no choice but to stop using Cash App and move my financial activity to services such as XXXX or XXXX. Again, I am requesting : 1. Copies of all documentation used in your decision, 2. Reconsideration of this denied dispute, 3. Evidence proving this transaction was authorized by me. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax XXXX XXXX XXXX I, XXXX XXXX is a XXXX North Carolina victim of XXXX XXXX arising from the Equifax , XXXX and XXXX data breaches and my SSN was used as a personal gain. The accounts were reported as a result of identity theft, and the placement of this materially false information violates my rights. Your agency continues to furnish and report fraud. Due to the inaccuracy of false information on my reports, I will be seeking legal advice, if this issue is not handled legally, I have never given permission for this information, and it is fraudulent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bal XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Opened XX/XX/XXXX : Bal {$4800.00} XXXX. XXXX XXXX XXXX XXXX : Opened XX/XX/XXXX : Bal {$12000.00} I further assert that your agency has failed to provide an efficient resolution in accordance with my rights. I am also complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report, in direct violation of the Fair Credit Reporting Act. I have discovered that the fraudulent accounts had been opened in my name without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Formal Complaint and Request for Investigation I am filing this complaint regarding a used XXXX I purchased directly from XXXX XXXX. The vehicle was sold to me in defective and unsafe condition. Almost immediately after purchase, I discovered numerous mechanical and safety issues that made the car unreliable and dangerous XXXX XXXX. I have already been forced to spend over {$10000.00} in repair and maintenance in an attempt to make the vehicle safe. Despite these efforts, the car continues to have significant problems. I am currently making monthly payments exceeding {$1200.00} on a loan for a vehicle that is not roadworthy and poses a safety risk. XXXX XXXX, as a non-Tesla dealership, did not have access to the specialized diagnostic equipment, software, or training that XXXX requires for proper inspection and servicing of their vehicles. Selling these vehicles without the proper capabilities puts consumers at serious physical and financial risk. I believe this constitutes an unfair and deceptive sales practice. This situation has created extreme financial hardship for me. The ongoing payments combined with the large repair costs have become unsustainable. This stress is severely impacting my health at a time when I am already managing complex medical conditions, mental health challenges, a pending Social Security XXXX case, unstable housing, and other serious life stressors. I reached out to XXXX corporate regarding this matter, but their response was inadequate and did not offer any meaningful resolution or accountability. I respectfully request that the CFPB investigate XXXX XXXX practices of selling used XXXX vehicles without proper XXXX certification or service capabilities. This appears to be an unfair, deceptive, and harmful business practice that has caused me substantial financial injury. I am seeking complete relief from this loan obligation, including removal of any negative credit reporting associated with these payments, and any other remedies the CFPB deems appropriate under the law. Thank you for your assistance with this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

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 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 2026-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I am filing a complaint against Ally Financial regarding the mishandling of my repossessed vehicle recovery process and the significant delays and misinformation I have experienced. After my vehicle was repossessed, Ally Financial moved the vehicle out of state ( from XXXX XXXX XXXX ). Which they never informed me of until after the move when I went to recover the vehicle XX/XX/year>. I then completed the required recovery process over the phone, which was lengthy and involved speaking with multiple representatives. During this process, I was repeatedly assured that all required release documents would be sent to the auction/storage facility so I could retrieve my vehicle. However, despite these assurances, the required release forms were never properly sent. When I contacted the auction house to arrange pickup of my vehicle, I was informed that they had not received the necessary documentation from Ally Financial. As of today, it has been 12 days since I completed the recovery process, and I still do not have access to my vehicle due entirely to Ally Financials failure to provide the required paperwork. Throughout this experience, I have spoken with approximately XXXX different Ally representatives and have received inconsistent information, poor communication, and little accountability. Representatives repeatedly stated they could not contact external parties directly, could not send documents via email despite the auction house requiring them, and were otherwise unable or unwilling to resolve the issue. The ongoing delays and lack of coordination have caused significant inconvenience, stress, and hardship. I believe Ally Financial has failed to properly handle my account and recovery process in a timely and professional manner. I am requesting that Ally Financial immediately provide the correct release documentation to the auction/storage facility, ensure my vehicle is released without further delay, and review their procedures and customer service practices to prevent similar situations from occurring to other consumers. Overall, the customer should be informed and should not be required to spend hours on calls to coordinate the recovery. A desirable resolution would be for Ally to assist me with retrieval of my vehicle, since they have made this process unachievable on my own accord.

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 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
REQUEST TO HONOR XXXX XXXX XXXX XXXX XXXX BONUS POINTS To Whom It May Concern, I am writing regarding my XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXX. Before applying for this card in XX/XX/year>, I specifically contacted your customer service department to confirm whether my application would qualify for the promotional offer of XXXX bonus points after spending {$5000.00} within the first 3 months. Your representative confirmed that I was eligible for this promotion, and based on that information, I proceeded with the application and agreed to pay the {$99.00} annual fee. I subsequently completed the required spending amount within the required time period in good faith and in reliance upon the information provided by your representative. However, I later discovered that the promised XXXX bonus points were not properly honored on my account. At the time of my application, the XXXX promotional offer was publicly advertised for eligible new XXXX XXXXXXXX XXXX XXXX cardmembers. I applied specifically because of this offer and fulfilled all stated requirements accordingly. Therefore, I respectfully request that ChaseXXXX review my account and honor the full XXXX welcome bonus points as originally represented by your customer service department and promotional materials. I have been a loyal customer and hope this matter can be resolved fairly and promptly. Please investigate this issue and provide a written response regarding the adjustment of the missing bonus points. Thank you for your attention to this matter. I look forward to your prompt resolution.

Company response to consumer: Closed with explanation