vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I am submitting this complaint regarding the accuracy of accounting, application of payments, and finance charges on my auto loan. According to my signed Retail Installment Contract, the loan terms are as follows : Amount Financed : {$20000.00} APR : 9.74 % Finance Charge : {$7000.00} Total of Payments : {$27000.00} However, based on the payment history provided by the lender, the following amounts have been paid to date : Total Paid : {$25000.00} Principal Paid : {$17000.00} Finance Charges Paid : {$8200.00} This indicates that I have already paid more in finance charges than the total finance charge disclosed in my contract, despite the loan not yet being paid in full. Additionally, the lender reports a remaining balance of {$3700.00}. Based on the total of payments disclosed in my contract, the remaining balance should be significantly lower. This raises concerns that payments may not have been properly applied or that interest has been calculated incorrectly. While I understand this may be a simple interest loan, I have not been provided with sufficient documentation to verify how interest has been calculated or how it has exceeded the disclosed finance charge. I have requested from the lender : A full amortization schedule A detailed breakdown of how each payment was applied An explanation of how finance charges exceeded the disclosed amount However, the information provided so far has been unclear and does not adequately explain these discrepancies. Desired Resolution : I am requesting that the lender : 1. Provide a complete and accurate amortization schedule for the life of the loan 2. Clearly explain how all payments have been applied ( principal vs. interest vs. fees ) 3. Recalculate my loan balance to ensure accuracy 4. Justify any finance charges assessed beyond the amount disclosed in my contract 5. Correct any errors found in the accounting of my loan Additional Information : I am prepared to provide copies of my contract and payment history documentation to support this complaint. Consumer Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
I am writing to formally dispute the Monterey Collection Services account listed on my consumer report. Account Name : Monterey Collection Services Account Number : XXXX I dispute this account and request that it be investigated and verified pursuant to my rights under the Fair Credit Reporting Act, including 15 U.S.C. 1681i, and the Fair Debt Collection Practices Act, including 15 U.S.C. 1692g. If you are unable to verify this account with competent evidence, I request that it be deleted from my consumer report immediately. Please also note this account as disputed during the course of your investigation as required by law. Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received letter from chase bank that someone may be using my personal information fraudulently and declined application, I hereby want to report to FTC that its an issue of identity theft and should be noted in there record to make sure to stop misuse of my personal and financial information and reported to put a credit freeze to all the three credit bureau XXXX XXXX and XXXX and all other relevant authorities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
Validation of Debt Request - FAIR COLLECTIONS & O XXXX XXXX XXXX XXXXXXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SUNCOAST CREDIT UNION
State: TX

Complaint narrative:
Formal Dispute Violation of FCRA ( 15 U.S.C. 1681s-2 ) Inaccurate Repossession Reporting I am submitting this complaint regarding inaccurate credit reporting by Suncoast Credit Union , Account number # XXXX Suncoast Credit Union is currently furnishing a repossession account status on my consumer credit report. This account is active and paid as agreed, which further demonstrates that the information being reported is false and does not belong on my credit history. This conduct is a direct violation of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( a ), which requires furnishers of information to provide accurate information to consumer reporting agencies. Under this law, a furnisher may not report information that is known to be inaccurate or that can not be verified as belonging to the consumer. By reporting a repossession that is not mine, Suncoast Credit Union has failed to meet its legal obligation to ensure the accuracy and integrity of the data it is furnishing. The continued reporting of this account statusparticularly as an active, current repossessiondemonstrates a lack of reasonable procedures to confirm identity and account ownership prior to reporting. This is not a minor discrepancy. A repossession is a highly derogatory event that materially damages my credit profile, impacts lending decisions, and causes financial harm. Because this account does not belong to me and can not be properly attributed to my identity, it is, by definition, inaccurate and unverifiable under the FCRA. As such, it must be immediately removed. I am requesting the following : 1. Immediate deletion of the inaccurate repossession account status from all consumer reporting agencies 2. A full investigation into how this account was erroneously associated with my credit file without my written or verbal consent 3. Written confirmation of deletion and correction of status 4. Documentation of the method of verification used to associate this account with my identity If Suncoast Credit Union can not produce verifiable evidence that this account belongs to me, continued reporting constitutes ongoing noncompliance with federal law. I expect prompt resolution of this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NC

Complaint narrative:
JEFFERSNCP is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSNCP 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 explanation
Consumer complaint received 2026-04-01 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: Branch Messenger, Inc.
State: FL

Complaint narrative:
I am an XXXX driver. I was looking for a rider. The rider could not be located. I called the rider. A person called me back and told me they were XXXX support. The imposter stated that the rider was in a wheelchair that could not fit in my vehicle, and the ride was cancelled. The imposter told me that I was going to receive a credit in the amount of {$300.00} to my XXXX XXXX XXXX for my good driving record, etc. The imposter knew how much was in my wallet, and eventually, on XX/XX/year>, he walked me through the steps to receive the supposedly {$300.00} credit, which included entering my address but a different zip code. Immediately, my funds were transferred from my wallet and vanished. I contacted XXXX to make them aware. I contacted XXXX XXXX XXXX, and they denied my claim, stating, No error occurred, although they are aware of the scams. I feel like this was an inside job because the imposter knew how much was in my XXXX XXXX XXXX wallet, and he knew that I was transferring money from my XXXXXXXX XXXX XXXX He asked me not to transfer any more money On XX/XX/year>, I replied to an email with my police report, photos of the transactions, and the photo of the fake ride. The following person has not replied back to me with an answer. From : XXXX XXXX XXXX ( XXXX ) XXXX Sent : Wednesday, XX/XX/year> XXXX XXXX To : XXXX XXXX XXXX Subject : [ Branch ] Re : Outbound answered call from INTAKE ONLY - XXXX Toll Free

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: MS

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 XXXX 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 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Perpay, Inc.
State: SC

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by XXXX, XXXX, and XXXX. The account listed as XXXXwas reported on my credit report and I disputed this item on XX/XX/year>. Despite my dispute, the company verified the account without providing adequate proof or documentation to support the accuracy of the information being reported. This has negatively impacted my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Unauthorized credit application Capital One requesting additional information On XX/XX/XXXX, I received a letter from Capital One delivered by XXXX stating that they need more information to process a XXXXXXXX XXXX XXXX application associated with Application ID : XXXX. I did not submit any application for a Capital One credit card, and I did not authorize anyone else to apply on my behalf. The letter arrived in my mailbox at approximately XXXX XXXX and included a deadline of XX/XX/XXXX for providing additional information. This indicates that an application was submitted using my personal information without my knowledge or consent. I am reporting this as an unauthorized credit application and potential identity theft. I am requesting that Capital One : Close the application as fraudulent Confirm that no account was opened Prevent any further applications in my name Provide documentation of the fraudulent application for my records I am also requesting that the CFPB ensure Capital One fully investigates this unauthorized application and provides a complete response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
This account was/is has been listed on my credit report with the intent to cause financial harm or to preclude any other credit opportunities. Disputes have been made through XXXX XXXX XXXX about the account & they came back as verified. I don't recognize the account but it has my information.The account is listed on the XXXX & XXXX and XXXX credit reporting agencies. The account is listed inaccurately has inaccurate data and is listed as both in Collections and Charged off. That information is not complete accurate or fair. Lastly when asked to provide the required information to properly validate the debt the company did not provide proper documentation to prove proof of ownership. Lastly since the account was listed as charged off that would make the debt income but no 1099 was provided as proof of the charge off debt. So the collection agency Spring oaks capital has been actively collecting on this debt, listing the debt on my credit report, collection calls & emails but has failed to provide proof of ownership to collect or has provided proof that the debt was actually charged off either. They should be made to properly validate debt BEFORE placing items on a consumer credit report.These actions are in violation of both state & federal laws UDCPA, FDCPA, CFPA and others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: CCF Intermediate Holdings LLC
State: NM

Complaint narrative:
The title loan I took out was in XXXX when I lived there. Since then I have moved to XXXX XXXX and have continued to make my monthly payments on time. Recently, I was online and saw on the portal that I was in default. I called TitleMax in XXXX XXXX, Tx and asked what was going on. They said their system wont allow me to bypass my location and use the portal like I have been doing for over a year and a half. I couldnt sign the documents I normally do to refinance the loan and update my balance. They tried a couple of times asking me to put {$500.00} to reset the portal. That didnt work and they asked me to come into Texas so my location would show I was in the state. I drove to XXXX XXXX and tried it again and same thing. They told me I should never had bypassed the system because the loan was in Texas, yet they allowed it for almost two years. Now they want me to either continue to pay the loan and trust them to credit my loan. Or pay the loan or find someone to buy the loan. None of the options are feasible at this time. They said they shouldnt have loaned more money since I live out of state. By their own admission they said they should not have bypassed the system to pay the loan. Now they have mentioned repossession even though I have been timely on my payment. They even charged me a late payment for XXXX because I couldnt sign the refinance documents. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Hi, I am writing to formally dispute a transaction of {$2000.00} made on XX/XX/year> to XXXX XXXX via XXXX XXXX. I initially attempted to raise this dispute through the Citi mobile application ; however, I was prompted to contact customer care. Upon reaching out to customer care, I was informed that they were unable to initiate the dispute and was advised to contact this email address ( XXXX ) for further assistance. This payment was made for professional staffing and job placement services. As per the agreement, the vendor was expected to : 1. Prepare my resume 2. Actively apply to relevant job opportunities on my behalf 3. Secure interview opportunities 4. Conduct background verification and support the hiring process It has now been over 5 months since the payment was made : 1. I have received only one interview opportunity, and that too was merely an initial screening, which did not progress further 2. There has been no meaningful or sustained progress toward job placement Additionally, I have made multiple attempts to follow up with them via phone regarding the lack of results. However, they have consistently avoided addressing my concerns when asked about interview progress and deliverables, and have instead focused only on resume tweaking without delivering the agreed outcome. Given that the primary purpose of the service ( job placement assistance with interviews ) has not been fulfilled, I believe this qualifies as services not rendered as agreed. The lack of performance became clear only after an extended period, which is why the issue could not have been reasonably identified or disputed within the initial dispute window. In light of the above, I respectfully request Citi to : 1. Reconsider and initiate a good-faith dispute or investigation for this transaction 2. Assist in obtaining a refund for the amount charged I am happy to provide any additional documentation. Thank you for your support and assistance in resolving this matter. Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: GA

Complaint narrative:
I am filing a complaint regarding the improper handling of a dispute involving counterfeit goods by both XXXX and Bank of America. I purchased {$2700.00} worth of clothing from an online seller and initially filed a dispute through XXXX for missing items. After receiving a partial shipment, I discovered that the items I did receive were counterfeit. At that point, I attempted to update my dispute to reflect the correct issuecounterfeit merchandise and adjusted claim amount. However, XXXX does not provide any option to modify an existing dispute. As a result, I closed the initial claim in order to refile it correctly under the appropriate category. When I attempted to submit a new claim, XXXX refused, stating that because I had closed the original dispute, it could not be reopened and no new claim could be filed. I was then explicitly instructed by XXXX to pursue recovery through my bank. Following XXXX direction, I filed a dispute with Bank of America. I provided all supporting documentation, including : - Full communication history with the seller - Evidence of missing items - Independent authentication confirming the items are counterfeit ( including confirmation associated with XXXX XXXX XXXX ) Despite this, Bank of America denied my claim and directed me back to XXXX. XXXX, in turn, has stated they will not take further action. Both institutions are now refusing to resolve this matter, leaving me financially responsible for counterfeit goods despite clear evidence of fraud and documented attempts to resolve the issue in good faith. This situation reflects a failure by both XXXX and Bank of America to properly investigate and apply their respective consumer protection policies regarding counterfeit goods and significantly not as described merchandise. I am requesting that Bank of America properly process this dispute as a fraudulent transaction and issue a full refund of {$2700.00}. I also request a review of XXXX dispute process, which prevents consumers from correcting claim errors and effectively blocks access to Buyer Protection. This has caused significant financial harm and unnecessary hardship, and I am seeking immediate resolution.

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