vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
The debt is almost 10 years old. My late mother made credit cards in my name. Her phone had everything in it. She pretended to be me once I was XXXXto get access to making these cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: IA

Complaint narrative:
I have reached out on multiple occasions to revoke my ACH and debit card withdrawals via dave support and am advised that I can not do that. I am getting frustrated as I keep having to take loans out with them to just pay my bills and at this point I have paid thousands in fees to then over time. I want this to end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Capital Services, LLC
State: FL

Complaint narrative:
The XXXX/collection appear on my credit reporr and is unknown I've never had any bussiness with them 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 2026-06-09 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
I am filing this complaint against Synchrony Bank regarding a debt consolidation payment that they received and cashed, but have failed to credit to my account. Through my primary bank, XXXX XXXX XXXX, I processed a debt consolidation loan to pay off my balance with Synchrony Bank. On [ XX/XX/year> ], XXXX XXXX XXXX issued and mailed an official Treasurer 's Check made payable to Synchrony Bank in the exact amount of {$5600.00}. Synchrony Bank customer service claims they have no record of receiving this payment. However, I have obtained official documentation from XXXX XXXX XXXX proving that the Treasurer 's Check was received, stamped, and successfully cashed by Synchrony Bank on [ XX/XX/year> ] the check was cashed/stamped. Despite being presented with undeniable proof of payment and endorsement, Synchrony Bank is refusing to locate the funds, refusing to credit my account, and continuing to claim the debt is unpaid. This is causing severe financial distress and risking damage to my credit profile for a debt that has already been legally paid.

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 2026-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: HI

Complaint narrative:
This is my second attempt to get this Credit Acceptance loan removed completely from my credit report. Credit Acceptance repossessed the car and sold it again. Now they still want the remaining balance that I originally owed. This is unfair methods and practices 15. U.S.C 45, 15 U.S.C. 1692f aswell as 12 U.S.C 5531

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 2026-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau Complaint Portal Submission Complaint Against JPMorgan Chase Bank , N.A . Fraudulent Loan, Lemon Vehicle, Wrongful Repossession, Civil Rights Violations Dear CFPB Representative, I am filing this complaint against JPMorgan Chase Bank , N.A . for misconduct related to fraudulent loan documents, wrongful repossession, and violations of federal consumer protection law. In late XXXX, I filed a police report with the XXXX XXXX Police Department against XXXX XXXX XXXX for forging my signature on auto loan documents. I provided this police report directly to Chase nearly a year before the repossession events. Despite clear notice of fraud, Chase failed to investigate or correct the issue and instead allowed repossession agents to proceed. I also repeatedly complained to the dealership about serious defects in the vehicle, including electrical failures, backingup malfunctions, and acceleration issues. I raised these complaints more than ten times and even called the company listed in the vehicle manual to report the car as a lemon. Every issue I reported later became recognized defaults of the car model. This demonstrates that Chase and the dealership ignored valid consumer complaints and continued to enforce a fraudulent loan. On XXXX XXXX XXXX and XX/XX/XXXX, I endured multiple repossession incidents and civil rights violations, including assault, false arrest, and deprivation of shelter. During the gas station incident, I ensured officers body cameras were activated to preserve evidence of misconduct. Chase unlawfully disclosed my personal information to a thirdparty repossession company, in violation of * * 15 U.S.C. 1681c * *. The repossession agents engaged in unfair and unconscionable practices, in violation of * * 15 U.S.C. 1692f * *. Thank you for your attention to this matter. Please confirm receipt of this complaint and advise me of next steps. Respectfully submitted,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: SD

Complaint narrative:
I'm not sure why! We change our insurance company when our policy window came to an end. We were told by XXXX XXXX ; they would drop us if we didn't pay. We were looking for another company at the time to lower our rates, which started to get out of hand. When the window ( coverage expired ) we went with another company. I called XXXX XXXX and told them what we did, and it seem to be acceptable. Receiving this claim today saying we owed them, started XXXX of XXXX until today ( XX/XX/year> ), for the amount of {$840.00} doesn't really make sense. I stopped their coverage sometime last year when the window of coverage expired. If XXXX XXXX failed to process our paperwork when they knew our coverage expired and I called them and told them we were changing insurance companies, that should be on them for failing to do due diligence. Therefore, we are totally disputing this claim.

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 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
A letter was mailed and no response from the company. The debt was bought from a collection company. The debt was paid. Under the federal Fair Credit Reporting Act ( FCRA ), negative items like late payments, charge-offs, and collections can only remain on your credit report for seven years. The account has remain on my credit for 8 years and 10 months

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Chase continues to affirm an arbitral decision to favor an unscrupulous merchant, XXXX, for a transaction procured through false advertising and fraud. Never in any of the decisions has Chase addressed the facts of the complaint or any consumer-submitted evidence ( this was a mystery product advertised as something ENTIRELY different than what it was to gain access to my credit card ). Because the transaction is illegal, Chases continued efforts to validate it through a myopic, merchant-friendly procedure is enabling the very fraud against which it must protect its cardholders. Escalate to senior corporate or legal ; transfer to agent other than XXXX. Her message is not responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
I am disputing a debt in the amount of approximately {$350.00} that is being reported by a third-party collection company. I do not recognize this debt and have no knowledge of ever having an account or financial obligation with either the collection agency or the company that allegedly originated the debt. To date, I have not been provided with any documentation proving that this debt belongs to me, that I entered into an agreement with the original creditor, or that the collection agency has the legal right to collect on the account. I have not received copies of any signed contracts, account statements, payment history, or other records linking me to this alleged debt. Additionally, I have not been provided with documentation showing that the collection agency purchased, was assigned, or otherwise obtained the right to collect this debt from the original creditor. Without such documentation, I have no way to verify the validity, ownership, or accuracy of the account being reported. Because I have not been provided with sufficient evidence that this debt is mine, I believe the reporting may be inaccurate. I am requesting that the company provide complete validation of the debt, including documentation identifying the original creditor, proof that the debt belongs to me, the amount allegedly owed, and proof of the collection agency 's authority to collect the debt. Until such documentation is provided, I dispute the accuracy of this account and its reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
XX/XX/XXXX my phone was stolen, so I guess the person took on too sending themselves XXXX ( XXXX XXXX through bitcoin on my cash app round XXXX Receiver link below XXXX Not to sure what else has taken place but I would gladly like my money back or whatever was taken in that matter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I requested the electronic signature showing I agreed to deferred interest on the entire line of credit with CareCredit, since XX/XX/year>. I just received a photo of the e-signature but not the entire application clearly stating deferred interest on entire line of credit they provided. It clearly shows 0 % promotional interest! It does not say deferred interest not does it state deferred interest on the entire line of credit NOT the balance that is owed. This is clearly deceptive, unlawful practices. I am wanting the deferred interest removed for the line of credit of {$17000.00}. That is not the balance that was owed on the card. I understand interest on the balance that was owed on the card but not the entire line of credit. I would have never signed up for this card had they been clear from the time of requesting a line of credit with the company.

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 2026-06-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
This debt is a consequence of identity theft. The individual was unaware of this account and did not consent to any services provided by the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: CA

Complaint narrative:
penn credit XXXX sent me a collection letter to an address that I no longer has access representing XXXX XXXX XXXXXXXX and its utility department. I am the judgement creditor against XXXX XXXX XXXXXXXX and I have provided abstract of judgement to XXXX XXXX XXXXXXXX multiple times in writting and served the abstract by mail too. the amount XXXX XXXX XXXXXXXX owed me is more than the amount penn credit XXXX collects. so, this is an absolute wrong collection. please see attached abstract of judgement. This is the 2nd wrongful collection initiated by XXXX XXXX XXXX against me after I won the judgment. The retaliatory action is unbearable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Auto Finance committed material document alteration, identity misrepresentation, and severe consumer negligence. We provided Capital One with legally executed, notarized paperwork instructing them to transfer our vehicle title solely to the name of XXXX XXXX XXXX, with Capital One remaining as the lienholder. Capital One completely ignored our notarized documents. Instead, their staff submitted a title application to the XXXX XXXX XXXX XXXXXXXX ( XXXX ) under a completely manufactured, fictitious name : " XXXX XXXX XXXX '' a person who does not exist. When we confronted Capital One about this mistake, their employees physically scratched out the error and hand-wrote " XXXX XXXX XXXX XXXX directly onto an official state document to cover up their error, rather than following legal state correction protocols. Furthermore, Capital One completely ignored our current, registered Georgia address ( which was explicitly listed on the notarized documents ). They instructed the state of Missouri to mail our highly sensitive personal title to an outdated, previous address, causing a massive security and privacy breach. We recently received the incorrect title, officially issued in Missouri with the wrong names. When we took Capital One 's paperwork to our local DMV window in Georgia to attempt to register the car, the Georgia DMV clerks heavily scrutinized the paperwork and insinuated that we were attempting to commit fraud and forgery due to the handwritten alterations executed by Capital One. Capital One 's illegal document doctoring has caused us to miss registration deadlines, incur late fees, miss hours of work, and face stressful insinuations of criminal fraud by state authorities. We demand that Capital One immediately submit a formal Affidavit of Correction to Missouri, issue a clean and un-doctored title to XXXX XXXX XXXX, and pay financial damages for exposing our identities and creating severe legal liability

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I obtained a copy of my consumer report and notified your agency multiple times ; about the items I disputed. I sent my notice to your agency, which included an FTC Identity Theft Report, and filed a complaint with the CFPB. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me as required by the Fair Credit Reporting Act ( 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 2026-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reviewed my credit report and identified multiple hard inquiries that I do not recognize and did not authorize. These inquiries included, but may not be limited to : XXXX XX/XX/XXXX XXXX XX/XX/XXXX I believe my personal information may have been used without proper authorization to access my credit file. I have already filed an identity theft report with the Federal Trade Commission ( FTC ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI

Complaint narrative:
In XXXX I was the victim of an extremely violent XXXX XXXXXXXX event. I have a XXXX XXXX the No Contact Order and the XXXX from that date. I was forced to leave my home, belongings, and beloved pets never to return to retrieve anything. I left ID 'S and identifying paperwork. I left XXXX XXXX and moved to XXXX XXXX, FL. I changed my legal name in the Divorce back to my maiden name of XXXX and left XXXX behind I thought forever. We had no children together. I remarried in XXXX to XXXX XXXX XXXX. His surname is nowhere to be found. In XXXX he had a massive XXXX XXXX apparently while we slept, my XXXX training from the XXXX XXXX XXXX XXXX didn't do a bit of good, he died. I was able to retire then and my parents took me home to Michigan as a XXXX. I had XXXX from that night for a long time. I still ended up up marrying another man in XXXX, a widower and XXXX year retired XXXX XXXX, XXXX XXXX XXXX I am a Veteran too. I never his any of my ID 'S I have A Michigan Real ID drivers license.. In XXXX I was determined by a Social Security Judge to be 100 % XXXX. I have been XXXX since. I have three major Health conditions as well, XXXX, XXXX and XXXX, no pXXXX. I have had numerous XXXX over the years so have not had a lot of time or well being to deal with this. XXXX XXXX XXXX apparently died in XX/XX/XXXX. I did not know this when this company started their tactics against me. I just knew I did not want a bunch of bad debts against me. I made the mistake of trying to settle with them and talk to them, I knew better but it was in good faith on my part. I have impeccable credit. I had hired an Attorney because more companies were trying to collect as well. They dropped the debts but not this one, they sued. XXXX XXXX had tried to do this in Florida and I found it when checking my credit reports. I stopped them there. Then I found out he had someone impersonating me to try to get a second mortgage, I believe he succeeded on that one. It was a common practice for him but never me. At the end of my complaint on this forum this company states they just learned my surname was XXXX yesterday but sent me a summons signed XXXX XXXX. That is a total blatant lie by them again on this forum even. I want this seen and know. I did not call and complain to them, I don't know who did. I have a Identity Theft Complaint filed for this. Enough already. My name has not been XXXX for years and this debt has never been my, he was a one who created many fraudulent debts and expected everyone else to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Self Financial Inc.
State: VA

Complaint narrative:
I thought I was getting a quick loan for repayments similar to XXXX XXXX but this company was called SELF after I found out the XXXX I called the number to cancel out my account the next day. I noticed today XX/XX/year> after me calling to cancel they tried to take {$48.00} out of my account. I was on a chat Link with a XXXX XXXX questioning this and this person just disappeared from the text. They didn't get the money because my bank had NSF but I will be charged for that transaction by my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: IL

Complaint narrative:
I put in a request for dispute for a XXXX dollar transaction yhat was fraudulently taken from me. During my waiting of XXXX weeks was told that I would rea credit. Which was never given and also unbeknownst too me I placed XXXX dollars in yhe account that was being investigated only to find that they used it to cover the balances that were supposed to be under investigation. I then took out a cash advance and it was sent to the account mistakenly and now the XXXX dollars that I needed for survival is now being held by the company as well. This is chime that I speak of and they have already declined my dispute. Thay did no real investigation towards the facts and indeed help to get my money back. Also As I was speaking to a supervisor the call dropped and I do believe she hung up on Me. No call back to resolve any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood closed my trading account and froze the funds I had transferred via bank ACH. Although I submitted the requested documentation on XX/XX/XXXX to unfreeze the funds, I have received no response, and the funds remain frozen to this day. I urgently need the money to cover a position, yet the funds continue to be frozen without justification. Please help me recover my funds as soon as possible.

Company response to consumer: Closed with explanation