vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: First Help Financial, LLC
State: MD

Complaint narrative:
My XXXX XXXX XXXX XXXX repossessed on XX/XX/XXXX. When I retrieved the vehicle on XX/XX/XXXX, I discovered significant underbody damage, including hanging XXXX broken panels. A XXXX XXXX XXXX XX/XX/XXXX ( XXXX miles ) confirmed the vehicle had no prior damage or wear XXXX tear. I also obtained repair estimates documenting the damage. I reported the issue XXXX the lender on XX/XX/XXXX and provided all requested documentation promptly. However, the company delayed responses XXXX requested documents week by week instead of at XXXX. I made XXXX attempts XXXX resolve the issue, including several calls lasting XXXX minutes. During the repossession, I received a collision alert from my vehicle. I did not receive any additional alerts during transport or unloading. The company denied my claim as wear and tear, stated their photos show no damage, but refused XXXX provide any intake photos or condition reports. The damage occurred while the vehicle was in their custody, XXXX they have failed XXXX provide evidence or a reasonable explanation for their denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: OK

Complaint narrative:
I am filing a complaint regarding a fraudulent collection account reported by Radius Global Solutions related XXXX XXXX XXXX in the amount of {$580.00}. I have lived at the same address for the past XXXX years and have continuously used XXXX services only at this location. I have never opened or authorized any XXXX account at any other address. This account was opened without my knowledge or permission using my personal information, including my XXXX XXXX number. This is a clear case of identity theft. I disputed this account with XXXX, but it remains on my credit report without proper verification or supporting documentation. I am requesting immediate removal of this account from my credit report. If the company claims this account is valid, they must provide full documentation, including a signed agreement, service address, XXXX any identifying information used XXXX open the account. If such documentation can not be provided, this account must be deleted immediately under the Fair Credit Reporting Act.

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 2026-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Citi credit card ending in XXXX just decided to cancel our account and close our credit card for no reason at all ; we have been exceptionally great customers for years and very good about making our payments and they just decided to close our Account for no reason at all ; My wifes family is going through very difficult times her brother has XXXX her mom has XXXX and herself will have to have a major XXXX XXXX ; and without any compassion they go ahead and do this ; Its terrible we are sending money almost weekly to my wifes family and they treat us like we are nothing and we havent even received the letter that they supposed to have sent to us ; Theres got ta be something you can do to stop this awful treatment of clients who are honestly great people and with all of our sacrifice make timely payments to this terrible credit card people. Sincerely XXXX XXXX will wait to hear from you ASAP Thank you

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 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase denied the dispute solely on authorization without evaluating whether the transaction complied with the terms of authorization or whether services were rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
The company refunded the charges XXXX I would like XXXX withdraw my complaint.

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 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have been trying XXXX dispute this transaction for about XXXX XXXX XXXX months now I had submitted a police report for an unauthorized transaction with a company called greater XXXX construction the transaction happened on XX/XX/year> XXXX transaction for a total of {$2800.00}. Someone broke into my car XXXX stole my wallet in my phone. The individual who stole my card authorize the transaction through my phone. I stated in the police report that I did not make this transaction. I also spoke XXXX several representatives that said I was going XXXX receive my disputed amount. When the day came. I never received my money on a recorded line. They told me I should receive my funds based on the location when the phone was stolen. I have submitted police reports the company that XXXX disputing does not exist. I tried hours to see a website XXXX see who owns the company XXXX the company does not exist so for some reason, its having a problem on receiving my money back from a company that looks fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing inaccurate information related to the payment history on an auto loan account that is currently open. After reviewing my credit reports from all three credit bureaus, I identified inconsistencies in how late payments are being reported. The account shows differences in payment history, dates of activity, and reporting details across TransUnion, Experian, and Equifax. This account is currently open and in good standing, and I am not disputing ownership of the account. However, the late payments reported appear to be inaccurate and/or inconsistently reported between the credit bureaus. I previously contacted the creditor directly, but the information continues to be reported inconsistently and without proper verification. Iam requesting that the inaccurate late payments be investigated and, if they can not be properly verified, corrected or removed accordingly. I also request that the account remain open and unchanged, as it is currently active and in good standing. Thank you for your attention to this matter.

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 2026-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing inaccurate information related to the payment history on an auto loan account that is currently open. After reviewing my credit reports from all three credit bureaus, I identified inconsistencies in how late payments are being reported. The account shows differences in payment history, dates of activity, and reporting details across TransUnion, Experian, and Equifax. This account is currently open and in good standing, and I am not disputing ownership of the account. However, the late payments reported appear to be inaccurate and/or inconsistently reported between the credit bureaus. I previously contacted the creditor directly, but the information continues to be reported inconsistently and without proper verification. Iam requesting that the inaccurate late payments be investigated and, if they can not be properly verified, corrected or removed accordingly. I also request that the account remain open and unchanged, as it is currently active and in good standing. Thank you for your attention to this matter.

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 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
b'I deposited a check with Citizens Bank, which was subsequently "reversed." Despite waiting more than two weeks, the funds have not arrived back at the issuer bank. Citizens Bank is refusing to provide the return information (Return Item Advice, Trace Number )but kept informing me that it\'s been sent. \nmy phone number is XXXX XXXX \nmy Citizens\' Bank account number is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates regarding an account they continue XXXX report on my credit file without proper validation. On XX/XX/year>, I submitted a complaint through the CFPB, XXXX until now, I have not received any response or validation from Portfolio Recovery Associates. In addition, I previously sent a XXXX XXXX XXXX ( XXXX ), XXXX they failed XXXX respond within the required timeframe. Despite this, the account is still being reported on my credit reports, which is a violation of my rights under the FDCPA XXXX FCRA. A debt collector must cease collection and reporting activities until proper validation is provided. Furthermore, the credit bureaus XXXX XXXX XXXX XXXX XXXX ) continue XXXX report this account as verified, yet no actual proof or validation has been provided XXXX me. This raises serious concerns about the accuracy XXXX legitimacy of the investigation process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
I have filled XXXX disputes with credit Karma banking for XXXX separate charges XXXX they were denied. My phone was stolen XXXX my card was used XXXX make XXXX unauthorized XXXX XXXX transactions. Credit Karma denied my dispute and refuses XXXX give me my money back XXXX said that they wont give me any information on the matter until XX/XX/XXXX. I never made these transactions XXXX I depended on them giving me the money back that I didnt spend because that was all the money that I had for bills for the month. I want my money back that I didnt spend! This bank has XXXX be scamming people because theres absolutely no reason that my claims should have been denied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am filing this complaint against Capital One for denying my credit application using inaccurate XXXX unverifiable information. Capital One denied my application on XX/XX/year> ( XXXX ID : XXXX ), citing too many recently approved applications as the reason. This statement is demonstrably false. My current credit report from XXXX shows that I have XXXX hard inquiries, XXXX collections, XXXX no adverse public records. I have attached documentation confirming this. Additionally, Capital One previously admitted that XXXX applications were submitted using my information XXXX that they could not verify those applications were made by me. Those inquiries were the result of fraudulent activity XXXX have since been removed. Despite this, Capital One still issued a denial based on inquiry-related activity that either : Did not belong XXXX me, or No longer exists on my credit report This raises serious concerns under the Fair Credit Reporting Act ( XXXX XXXX XXXX ) and the Equal Credit Opportunity Act ( XXXX XXXX. XXXX ), which require accuracy and transparency in credit decision-making. Capital One can not rely on fraudulent, removed, or nonexistent data XXXX justify denying credit. I am requesting the CFPB require Capital One to : Provide the exact credit report XXXX data used at the time of the decision. Explain how a denial was issued for too many applications when my report shows XXXX inquiries. Confirm that no fraudulent or removed data was used in the decision. Issue a corrected XXXX accurate adverse action notice. Reconsider my application using my current XXXX accurate credit profile. This matter reflects inaccurate credit decisioning and improper handling of fraud-related information. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc
State: MO

Complaint narrative:
They call every day 4 to 6 times per day Ive ask the guy representative to send me the original contract a breakdown of what I owe never got it. He actually got upset and hung up on me. This was in the winter time. The last month theyve picked up again calling repeatedly every day all day and Ive asked them to stop calling. Theyve threaten me with legal action theyve threaten my sister, and my brother had them thinking that I was a criminal and the police will come and kick their house down and take them to jail for me. I am so tired of this company. I wish I could afford to pursue criminal and civil charges for the emotional distress. The pain is suffering and the threats. This company is full of bullies, They try to scare & bully the money out of you and Im tired of this today is the last straw. Im gon na try and find an attorney will work with me on this, this company has to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Stark Collection Agency, Inc.
State: KY

Complaint narrative:
Date : XX/XX/year> The Stark Collection Agency Re : Account Number XXXX To Whom It May Concern at The Stark Collection Agency, I have requested the following information. full written validation, full written validation, including the original creditor, the amount owed, and documentation bearing my signature, XXXX of sale, Purchase Order Agreement and Chain of title including the original creditor, the amount owed, and documentation bearing my signature, XXXX of sale, Purchase Order Agreement and Chain of title. On XX/XX/year>, I only received the original creditor, the amount owed, and documentation bearing a signature. This is my XXXX time in asking for this information and You refuse to send the Bill of sale, XXXX XXXX XXXX and XXXX of title. Under the Fair Debt Collection Practices Act ( FDCPA ), you are required to provide full verification before any further collection activity. Until the Bill of sale, XXXX XXXX XXXX and XXXX of title is provided, you must cease all collection efforts and reporting to any credit bureau. According to XXXX U.S.C. XXXX requires debt collectors to provide consumers with written notice of their debt and the right to dispute it within 30 days, including verification and original creditor information. I never received any written notice within the first XXXX days. It took over a year. I send registered letters that need a signed receipt, and they just sit in your mailbox. Last one was delivered on XX/XX/XXXX and as of today, it is still sitting in your XXXX XXXX box waiting to be picked up and signed for. Failure to comply with this notice will leave me no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and the Office of the Attorney General. I refuse to pay this so-called debt. You are reporting false and inaccurate information to credit bureaus which I demand to be taken off. I expect written confirmation within XXXX business days that you have received this notice and that all collection efforts have ceased. Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-04-02 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: NJ

Complaint narrative:
On XX/XX/XXXX, a {$6300.00} XXXX XXXX transaction was processed from my account that I did not authorize. This transaction appears on my XX/XX/XXXX statement ( covering JXXXX XXXX XXXX, XXXX ). I reported the unauthorized transaction XXXX Chime on XX/XX/XXXX. Under XXXX XXXX ( XXXX XXXX XXXX ), consumers have XXXX days from the date the statement is issued XXXX report errors. My report was made within this timeframe. Despite this, Chime has placed my dispute on a XXXX investigation timeline XXXX has not issued provisional credit. I attempted XXXX resolve this directly with Chime through XXXX chat XXXX phone. The XXXX chat only connects XXXX an automated system that does not allow communication with a live agent. I was instructed XXXX call, but I was disconnected XXXX times XXXX was unable XXXX receive clear information regarding my dispute status. I specifically requested confirmation of whether my dispute is being treated as a timely XXXX XXXX claim XXXX when provisional credit would be issued, but I did not receive a clear response. I have submitted supporting documentation showing the transaction XXXX statement dates. I am requesting that Chime properly classify this dispute as a timely XXXX XXXX claim XXXX issue provisional credit while the investigation is ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: CO

Complaint narrative:
I called in XX/XX/year> XXXX cancel my XXXX internet service as I was moving. We went over options XXXX see if service is available in my new area which it wasn't. We set the date for cancelation XX/XX/year>. XXXX continued XXXX charge me for service, resulting in a call XXXX refund each time which I have a log of. I turned off auto pay XXXX they still continued XXXX charge me XXXX eventually send XXXX collections. I had many calls with them XXXX they kept saying they had XXXX fix on the backend, but that never happened. I called their collections company sunrise cred services XXXX explained I had proof. After that they kept putting me on long holds, transferring me XXXX a XXXX speaking line XXXX then saying they can't pull up my account, the system is down, etc. There's some serious wrong doing here!

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 2026-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts are not associated with me XXXX should be removed within XXXX days under 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 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Lendmark Financial Services
State: MD

Complaint narrative:
XXXX XXXX Lendmark Financial Services, XXXX I am filing this complaint regarding unfair and excessive collection practices by Lendmark Financial Services, XXXX. In or around 2016, I obtained a personal loan from Lendmark in the approximate amount of {$8000.00}. Since that time, I have made payments totaling approximately {$21000.00} toward this loan. Despite paying nearly XXXX times the original loan amount, Lendmark continues XXXX report that I owe a significant balance XXXX has pursued aggressive collection actions, including repeated bank garnishment attempts. I was never properly served with the XXXX lawsuit related XXXX this debt XXXX only became aware of the judgment after my bank account was frozen. This prevented me from having the opportunity XXXX appear in court or defend myself. After discovering the judgment, I acted promptly XXXX appeared in court XXXX assert my rights. At a prior hearing, I appeared, XXXX Lendmark failed XXXX appear. The court granted my exemption of funds. Despite this, Lendmark has continued its collection efforts, including issuing another writ of garnishment against a bank account that is now closed. I believe these actions are unfair, excessive, and potentially inaccurate given the amount I have already paid relative XXXX the original loan. I am requesting the following : XXXX. A full accounting of all payments made, including how payments were applied ( principal, interest, fees ). XXXX. Correction of any inaccurate balance reporting XXXX all credit bureaus. XXXX. XXXX of further collection activity while this matter is under review. XXXX. Consideration of closing or settling this account given that I have paid {$21000.00} on an {$8000.00} loan. This situation has caused significant financial hardship XXXX stress. I am seeking a fair resolution XXXX transparency regarding this account. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 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: AL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting XXXX my credit file XXXX is against my rights XXXX fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation