vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cash Link USA, LLC
State: TX

Complaint narrative:
Received call at work on XXXX XXXXXX/XX/year> from a person supposedly allowed to serve people with court documents on XXXX  XX/XX/year> the name given was XXXX XXXX. He informed me to call a number and I did call the number XXXX. Spoke with a supposed XXXX XXXX. Set up payment plan and was suppose to debit from account because i was scared into payment by threats of being sued and having to make a payment right then to stop papers from being served. In the time frame I called Cash link the debt was referred to XXXX debt. Called XXXX and was only able to leave voice mail. Emailed XXXX as well. The company is called XXXX XXXX. The XXXX  XXXX  states they received the claim from Clear out solutions. During the process i was advised to call XXXX back and request their address, email address and license number and a letter or email stating that I owed the debt and that XXXX was legally authorized to collect the money. The man I spoke with when calling refused to allow me to speak to XXXX XXXX as she stated I could call her with any questions or concerns. Her XXXX  XXXX. So I ask him for the requested information. The man became hostile speaking and demanding me to make the payment or he would send the man back out to serve me legal paper and come to my job. He stated if i dont make the payment i will be sued and get my wages garnished. I ask him to stop being disrespectful and he stated he would not stop. I ask to speak to XXXX XXXX again and he stated you will not talk to her and I will inform her not to talk to you and I will make sure she doesn't talk to you. I ask him to send the email to me stating what I owed and all the information. He stated that he doesn't have to send me anything. I told him I would pay the money if he could provide me with the information requested. I also ask him to not call or send people to my place of employment. He also stated that he would call and notify my place of employment of the debt and also send the man out to serve me with papers at my house or job. He also started getting loud and demanding to pay. I told him I would and why won't he provide email. He said he doesn't have to. He also said I'm not dealing with you im going to hang up and send the man out to serve you the court documents. I'm removing your card from the file and do not contact us again and will see me in court.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-12 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I reported XXXX fraudulent, unauthorized charges on my XXXX XXXX XXXX card on XX/XX/year>. Despite prompt reporting and full cooperation, XXXX XXXX has failed to conclude the fraud investigation after more than XXXX months, exceeding the timelines required under the Fair Credit Billing Act. I keep being told that I have to keep waiting for a response from the fraud department. 

I have not received a final determination in writing, and the prolonged delay has caused unnecessary stress and potential financial harm. XXXX XXXX has not provided a valid explanation for the delay nor a definitive resolution date.

I am requesting : Immediate closure of the investigation Permanent removal of fraudulent charges Reversal of any associated interest or fees Written confirmation that my credit has not been negatively impacted This prolonged delay constitutes a failure to comply with federal consumer protection laws.

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 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
On XX/XX/year>, XX/XX/year> and XX/XX/year> I received letters pertaining to this debt. I wrote the company on XX/XX/year> requesting information pertaining to this debt. I have NOT received a response from the company. I am including a copy of the letter that I sent to them. They are reporting this information on all 3 credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SOP Pioneer Partners LP
State: LA

Complaint narrative:
The interest rate is above 6 % and under the Lousiana state scra, and the federal scra, it can not exceed 6 %. It is currently at 34.98 %

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I paid my account in full on XX/XX/XXXX. Prior to and after making that payment, I spoke with a Comenity representative who confirmed that the account was paid in full, that no additional payment was necessary, and that no further charges would be added. I specifically asked whether I should pay extra or close the account to avoid future charges and was told that was not necessary. I relied on this information in good faith. I am now being charged {$35.00} despite being told there would be no further charges. Since calls are recorded, I am requesting review of the call where this information was provided and removal of the {$35.00} charge due to misrepresentation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: FL

Complaint narrative:
Charged-Off Accounts I am disputing the following charged-off accounts on my Experian credit report. I have not been provided with documentation validating the balances, account status, ownership, or reporting accuracy. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00} XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} Late Payments I am disputing the following late payment information, as it may be inaccurately or incompletely reported and has not been properly validated. 

XXXX Account Number : XXXX I am requesting that Experian conduct a full investigation and remove any account or late payment that can not be verified as accurate and complete under the FCRA.

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 2026-01-12 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:
I am filing a complaint against JPMorgan Chase Bank , N.A . for repeated violations of New Yorks Exempt Income Protection Act ( CPLR 5222-a ) and improper execution of judgment levies. 

The judgment is against me only. The account is a joint account with my non-debtor spouse and is funded by wages. 

In XXXX XXXX, the protected minimum balance under the Exempt Income Protection Act is approximately {$3900.00}. Despite this, Chase executed XXXX separate levies on XXXX consecutive days from the same judgment creditor : XX/XX/XXXX {$560.00} XX/XX/XXXX {$1200.00} ( reducing the account balance to {$0.00} ) XX/XX/XXXX {$8700.00}, which caused the account to go significantly negative At all relevant times, the account balance was below the protected minimum and consisted of wage deposits. Chase failed to provide the required Exempt Income Protection Act notices or exemption claim forms and allowed repeated executions from the same judgment creditor, including an execution that created a negative account balance. 

Chase continues to restrain the account despite these exemptions and violations. Creating or increasing a negative balance through judgment execution is not permitted under New York law. 

I am requesting XXXX intervention to require JPMorgan Chase Bank , N.A . to immediately reverse the levies, release all restrained funds, correct the negative balance, and cease further enforcement activity related to this judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Creditly Corp.
State: NJ

Complaint narrative:
I applied for a payday loan through Credit Genie XX/XX/XXXX. The loan was never funded, and I canceled my account shortly afterward because no loan was issued. 

Despite this, I later discovered that Credit Genie had been charging my bank account a recurring {$4.00} fee beginning in XX/XX/XXXX and continuing monthly without my knowledge or consent with the last payment so far on XX/XX/XXXX. These charges were never clearly disclosed to me, and I never authorized any recurring subscription or membership. 

I did not receive any loan proceeds, credit services, or other benefit in exchange for these charges. I was never informed that I was enrolled in a paid program, and no authorization was provided for ongoing debits from my bank account. The company continued charging even after the account was canceled. 

These charges appear to be unauthorized electronic fund transfers for services that were never provided. I am requesting a full refund of all {$4.00} fees that were charged, confirmation that my account is permanently closed, and assurance that no further debits will occur.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
MERCHANT is falsely reporting on my credit. I have never had any accounts with them. Per my research MERCHANT 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 2026-01-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SOP Pioneer Partners LP
State: LA

Complaint narrative:
I requested federal and Louisiana SCRA benefits as I am XXXX XXXX, after discovering the loan interest rate on my {$5100.00} amount loan was a staggering 32.99 %. Pioneer credit denied my request claiming they were not required to do so. It's unfortunate that this company claims to be of service to this beautiful country 's service men and women yet are the only company I've been denied my benefits. If you're a service member reading this, DO NOT do business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credit Fresh Holdings Inc
State: VA

Complaint narrative:
On XX/XX/year> at approximately XXXXXXXX XXXX, I received a telephone call from an individual identifying himself as XXXX XXXX from XXXX XXXX XXXX. He attempted to confirm my home address. When I asked the purpose of the call, he stated that I was involved in a breach of contract but refused to identify the alleged creditor or provide any additional details. 

I advised the caller that I would not verify my address without being informed of the nature of the call. The caller responded that he was viewing my address information online and began listing alternative addresses associated with me. When I again requested an explanation, the caller raised his voice, instructed me to be quiet, and told me not to interrupt him. 

At no point did the caller disclose that he was a debt collector or that the call was an attempt to collect a debt, stating only that this is not a sales call, which appears inconsistent with 15 U.S.C. 1692e ( 11 ). 

When I declined to verify my address, the caller ended the call. Shortly thereafter, XXXX XXXX XXXX contacted members of my family and left voicemails requesting assistance in confirming my address, without my consent. This appears inconsistent with 15 U.S.C. 1692b and may constitute harassing or misleading conduct under 15 U.S.C. 1692d and 1692e.

Additionally, the caller did not disclose whether the call was being recorded. If the call was recorded, the absence of disclosure raises concerns under Floridas two-party consent requirements.

This conduct also appears inconsistent with the Florida Consumer Collection Practices Act, Florida Statutes 559.72.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/year>, I was the victim of a robbery during which I was forced under physical threat to unlock my XXXX using XXXX XXXX. The individuals who robbed me took control of my device and used it to initiate unauthorized financial transactions from my Chime checking account. 

These unauthorized transactions included : Peer-to-peer Pay Friends transfers totaling approximately {$450.00}, and Debit card / Apple Pay transactions totaling approximately {$490.00} related to XXXX deposits. I do not have a XXXX account and did not authorize any gambling transactions. 

All transactions occurred while my device was under the control of the robbers and while I was acting under duress. I reported the incident to Chime within 24 hours, while some transactions were still pending, and filed a police report.

Despite this, Chime denied both fraud claims and concluded that no error occurred, relying solely on the fact that the transactions originated from my device and used biometric authentication. Chime did not explain how coercion or physical threat was evaluated in its investigation.

Under Regulation E ( 12 CFR 1005 ), electronic fund transfers made under force or threat are unauthorized, even if credentials or biometric authentication were used. A supplemental police report is being filed to explicitly document that the phone access and resulting transactions occurred under coercion.

I am requesting CFPB assistance to require Chime to reopen and properly investigate these claims, provide the records relied upon in the denials, and issue the appropriate refunds or provisional credits for the unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate and improper credit reporting appearing on my consumer credit report pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
The disputed account concerns a Capital One credit card account that was closed by the credit grantor on XX/XX/2025, and a related collection account reported by XXXX XXXX XXXX. 
The following inaccuracies and improper reporting issues must be corrected : Improper Reporting of Utilization on a Closed Account The Capital One account continues to report a {$360.00} balance against a {$300.00} credit limit, reflecting 122 % utilization, despite the account being closed. Credit utilization should not be calculated or reported on closed accounts, as this misrepresents current credit risk. 
Duplicate Reporting of the Same Debt The same alleged debt is being reported by both Capital One ( as charged off / in collections ) and XXXX XXXX XXXX as a collection account. If the debt was sold or transferred, Capital One must report a {$0.00} balance. Reporting both accounts simultaneously constitutes duplicate and misleading derogatory reporting. 
Improper Ongoing Delinquency Reporting After Charge-Off The account reflects continued monthly late payments after charge-off, despite no ongoing monthly payment obligation existing. This practice is inaccurate and punitive.

Failure to Conduct a Reasonable Investigation A prior dispute submitted under ownership/ no knowledge of this account was denied without the provision of any documentary evidence validating the debt, such as a signed application, contract, or account statements. Automated verification does not satisfy the FCRAs requirement for a reasonable investigation. 
I am requesting immediate correction or deletion of this inaccurate information. If the information can not be fully verified with proper documentation, it must be removed from my credit file. 
Please complete your reinvestigation within the timeframe required by law and provide written confirmation of the results. 
This is the dispute I sent Them no response

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
I have {$25.00} in a SoFi Roth IRA. I was trying to withdraw my funds from this account, NOT close it. 
SoFi will not let you do so. You are not allowed to withdraw your account below {$100.00} as they charge a {$100.00} account closure fee. However, I was not intending on closing this account. Just needed the money out of it, and they will not let you do so. I had this confirmed by SoFi customer service that a customer can not withdraw their account below {$100.00} even if they are not closing the account. This is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
M & M CREDIT is falsely reporting on my credit. I have never had any accounts with them. Per my XXXX XXXX XXXX XXXX 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 XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
My husband and I purchased a XXXX XXXX that was repossessed in XXXX when my husband was having health issues. Per the XXXX XXXX XXXX, the collectors, the purchase contract is dated XX/XX/XXXX. In XXXX, in anticipation of purchasing a home, my husband, XXXX XXXX, made a settlement offer that was accepted and paid in XXXX. We have made no payments on this debt since that time. Settlement acceptance aside, the statute of limitations has run out on this debt, both in Illinois where the vehicle was purchased and in Florida where we currently reside. The debt should be considered a time-barred debt. The current collection agency, XXXX XXXX XXXX, has been harassing me even though I requested no more contact. In addition, they are threatening litigation, court costs, wage garnishment, a lien on my personal property, etc. for a debt that has not appeared on my credit report in years.

Company response to consumer: Closed with explanation