vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
My car note with Ally Auto has had a lot of issues as far as late fees that I could never catch up on. I have XXXX XXXX XXXX days on XXXX days showing late because they never updated my credit report when it came to all the payment plans they had me on. I was on a XXXX XXXX  plan and it would still show me as being late. They didn't update correctly so it shows my account derogatory. I just recently modified my payment so hopefully it will be better this year all I want them to update the fees correctly. They have me {$900.00} in late fees due to all the payment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Dear Sir or Madam, I am submitting this complaint to report poor and unfair service practices by my financing company, which have caused serious financial and personal hardship. 

I informed the financing company in advance that I had been laid off from my job. After discussing my situation with their representatives, we mutually agreed on a specific payment date. XX/XX/year>, was the confirmed date for me to make the payment. 

On the agreed date, I made multiple attempts to submit the payment through the companys online customer portal. However, I was unable to complete the payment because the payment option had been disabled on my account. This prevented me from fulfilling my obligation, despite my clear intention and ability to pay on that date. 

I then attempted to contact the company by phone several times throughout the day. The company claims to offer XXXX customer support, but I was unable to reach any representative. I also called the XXXX XXXX number listed on their website ( XXXX ) during the posted business hours : MondayFriday : XXXX AM XXXX PM XXXX Saturday : XXXX AM XXXX PM XXXX  Despite calling within these hours, no one answered my calls. 

As a result of the company disabling my payment method and failing to provide customer support, my vehicle was towed on the same day. This occurred even though I was actively attempting to make the agreed payment in good faith. 

This situation has caused significant distress. I work in XXXX XXXX and losing access to my vehicle directly prevented me from getting to work and fulfilling essential responsibilities. 

I believe this represents unfair servicing practices, including : Preventing a customer from making a scheduled payment Failing to provide accessible customer support as advertised Taking enforcement action despite documented good-faith payment attempts I am requesting that this complaint be reviewed and that appropriate action be taken to address this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am disputing this account as inaccurate and unverifiable under FCRA 611. 
Please provide complete verification including the original signed lease, full itemized ledger, and proof of authority to collect. 
If unable to verify, this account must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Financial institution : JPMorgan Chase Bank , N.A . 
Product : Debit card Issue : Improper debit card surcharge handling / failure to address merchant noncompliance Claim number ( finalized ) : XXXX I am submitting this complaint regarding JPMorgan Chase Banks handling of an unlawful debit card surcharge imposed by a merchant and Chases failure to address the compliance implications beyond issuing a refund. 
On XX/XX/year>, I completed a Visa debit card transaction with XXXX XXXX XXXX in XXXX, XXXX. The transaction was clearly processed and labeled as a debit card sale. The merchant added a fee labeled as a non cash fee that was applied solely because a debit card was used. 
Debit card surcharges are prohibited under federal law pursuant to the XXXX XXXX and are also prohibited under XXXX debit network rules. Renaming the charge as a non cash fee does not change its prohibited nature when applied to a debit card transaction. 
I contacted Chase to dispute the charge. Chase ultimately refunded the surcharge and finalized Claim Number XXXX. However, after providing Chase with written notice that this was a debit card surcharge compliance violation and requesting that the matter be escalated for network and regulatory review, Chase treated the issue solely as a billing adjustment. 
Chase did not acknowledge the legality of the surcharge, did not indicate that the merchant would be referred for compliance review, and did not document any steps taken to address merchant noncompliance. The claim was finalized after a refund without addressing the underlying prohibited practice, despite Chase having written notice of the issue. 
My concern is not reimbursement, which has already occurred, but that Chases handling allows merchants to continue imposing unlawful debit card surcharges without consequence. This creates ongoing consumer harm and undermines the protections established under federal debit card regulations. 
I am requesting that the CFPB review Chases handling of this matter, including whether Chase appropriately addressed its obligations once notified of a prohibited debit card surcharge and whether additional corrective or supervisory action is warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
CFPB Complaint Narrative Cash App ( Block, Inc. ) I am filing this complaint regarding Cash App ( Block, Inc. ) for failure to properly investigate and reimburse unauthorized electronic fund transfers, and for improperly denying disputes after closing my account. 
Between [ insert date range ], my Cash App account was compromised and over XXXX unauthorized transactions were made without my knowledge or consent. These transactions were not initiated, authorized, or benefited from by me. Many of the transactions show activity originating from XXXX, XXXX, a location where I was not present. 
I promptly reported these transactions as unauthorized through Cash App and submitted disputes in good faith. Despite this, Cash App denied the disputes and subsequently closed my account, stating that my identity was not verified and/or citing vague Terms of XXXX XXXX XXXX 
This explanation is inaccurate and insufficient. My identity was verified on the account, including successful ID upload and verification prior to these events. Cash App has not provided any specific evidence showing that I authorized these transactions, nor have they explained the basis for concluding the transactions were authorized. 
Cash Apps actions violate their obligations under Regulation E ( 12 CFR 1005 ), which requires financial institutions to conduct a reasonable investigation of reported unauthorized electronic fund transfers and to provide a clear explanation of findings. Closing my account does not eliminate their duty to investigate or reimburse unauthorized transactions. 
Cash App has : Failed to conduct a meaningful investigation Failed to provide documentation supporting denial Improperly relied on automated determinations Denied all claims without individualized review Retaliated by closing my account after reporting fraud I am requesting that Cash App : Conduct a full and proper Regulation E investigation Provide documentation showing how authorization was determined ( including device/IP/location data relied upon ) Reimburse all confirmed unauthorized transactions Provide a written explanation for each denied dispute I believe my account was the victim of fraud and/or account takeover, and Cash Apps handling of this matter has caused significant financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: TX

Complaint narrative:
This letter constitutes a FORMAL DISPUTE, CEASE AND DESIST NOTICE, and DEMAND FOR IMMEDIATE DELETION pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), Regulation V ( 12 CFR 1022 ), and CFPB consumer protection standards. 

You are reporting a tradeline that is false, misleading, and improperly classified, in violation of federal law. 

MATERIAL REPORTING ERRORS & MISREPRESENTATION No credit card was ever issued No credit card number exists No usable revolving credit line exists The reported {$750.00} credit limit is simulated and misleading This product is a subscription-based credit builder, not a true credit account The reported Date Opened reflects enrollment, not extension of credit Address information is inaccurate and duplicative No lawful billing statements or credit disclosures were provided Reporting a non-credit subscription product as a revolving or charge account is deceptive and unlawful. 


DEMAND FOR STRICT DOCUMENTARY VERIFICATION If you claim lawful authority to continue reporting this account, you must provide ALL the following : A copy of the signed credit agreement authorizing credit reporting The actual credit card number associated with this account Proof of a real, usable revolving credit line Complete monthly billing statements Documentation supporting the reported Date Opened Proof of compliance with 15 U.S.C. 1681s-2 and 12 CFR 1022 Failure to provide this documentation renders continued reporting illegal. 


CEASE AND DESIST CREDIT REPORTING & DATA PROCESSING You are hereby ORDERED TO CEASE AND DESIST from furnishing, verifying, updating, re-aging, or reporting this account to XXXX XXXX XXXX XXXX. 


30-DAY COUNTDOWN NOTICE You have THIRTY ( 30 ) DAYS from receipt of this notice to : DELETE this tradeline from all consumer reporting agencies OR Provide FULL DOCUMENTARY PROOF as demanded above Failure to comply within 30 days will result in escalation to the CFPB, State Attorney General, and private legal remedies. 


COMMUNICATION NOTICE All communication must be IN WRITING ONLY

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: AL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is 11541 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 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES
State: GA

Complaint narrative:
I sent a certified XXXX XXXX XXXX XXXX Zwicker & Associates, P.C on XX/XX/XXXX and was picked by them on XX/XX/XXXX to prove I was the owner of that debt. I requested the following information : 1. The name and address of the original creditor ; 2. The full amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and any other charges ; 3. A copy of the original signed agreement or contract bearing my signature that created the alleged obligation ; 4. A complete payment history from the date of origination ; 5. A copy of the assignment, bill of sale, or chain of title demonstrating that the alleged debt was legally transferred from the original creditor to the current creditor, and that Zwicker & Associates has authority to collect or litigate this debt on its behalf ; 6. The date of last payment and the date of default. 

Today is XX/XX/XXXX and I did not receive the request information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TX

Complaint narrative:
XXXX shipped me a home internet router that I did not order or authorize. I told XXXX I did not want the device and was instructed to refuse delivery through XXXX. XXXX would not accept refusal and told me I had to keep the package. 

I never opened or used the device and it has remained sealed in the box for over a year. 

XXXX  is now charging me over {$300.00} for this unsolicited device and has sent the charge to a debt collector. I never agreed to purchase or keep this device. A return policy should not apply because I never ordered this product. 

I am requesting that XXXX remove this charge and recall the collection account.

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 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
Cash app is a horrible company to do business with at this point. 

I was attempting to send money for my newborn nephew.And sent it to the wrong cash app account. Great. The wrong account has XXXX. The correct accout is XXXX. The cash app staff refused to assist me with correcting the error. I have a have requested a refund and there hasn't been no response besides them telling me no. 

The transaction took place on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synergetic Communication Inc
State: AL

Complaint narrative:
SYNCOM is falsely reporting on my credit. I have never had any accounts with them. Per my research SYNCOM 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 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: GA

Complaint narrative:
A collection account from The Bureaus , Inc. in the amount of {$310.00} was previously disputed and deleted from the consumers credit file after investigation. On or about XX/XX/year>, the credit bureaus reinserted this previously deleted collection account onto the consumers credit report. The reinsertion occurred without any written notice to the consumer within five business days and without providing proof of certification from the furnisher verifying the accuracy of the information prior to reinsertion. This action violates FCRA 611 ( a ) ( 5 ) ( B ) and Regulation V ( 12 C.F.R. 1022.43 ), which require certification by the furnisher and written notice to the consumer when previously deleted information is reinserted. The consumer was not notified by mail, email, or electronic alert and only became aware of the reinsertion by independently reviewing the credit report. The consumer is requesting permanent deletion of the reinserted account, written confirmation of compliance, and documentation showing how the reinsertion was certified and authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: FIRST PORTFOLIO SERVICING INC
State: MO

Complaint narrative:
I have a Revvi credit card account that I understood to be closed. The account is closed to new charges, yet interest and monthly service fees continue to be assessed, and I am being required to make a XXXX XXXX  monthly payment on a balance of approximately {$250.00}. 

I am on a fixed income. I have attempted to obtain written clarification of the account status and the ongoing fees, but Revvi does not provide a mailing or email address and directs me only to phone calls. 

I am requesting written confirmation of the accounts status, an explanation for the continued interest and service fees on a closed account, and a freeze of interest and fees while this matter is reviewed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
This complaint highlights a statutory ambiguity that allows creditors to continue coercive conduct post-petition while claiming technical compliance. The attached letter explains why clearer statutory or supervisory guidance is necessary. 

This complaint concerns ongoing, systemic issues in American Express XXXX XXXX  post-bankruptcy account management practices that reveal a significant gap between the intent of the Bankruptcy Codes automatic stay and how modern, automated financial systems are XXXX in practice. 

After filing for XXXX  XXXX bankruptcy and providing repeated notice, American Express continued to display, transmit, and communicate pre-petition balances through its internal systems and live agents. Although certain automated payment features were partially suppressed, core balance information remained visible and was verbally conveyed by customer service representatives, functioning in substance as a continuation of collection activity. 

American Express has assertedboth directly and implicitlythat these disclosures are merely informational and not acts to collect a debt. This position exploits statutory ambiguity in 11 U.S.C. 362 ( a ) ( 6 ), which broadly prohibits acts to collect but does not expressly address modern digital account interfaces, countdown mechanisms, or live-agent balance confirmations that replicate the same coercive effect as traditional collection efforts. 

The attached advocacy memorandum explains why clearer statutory or supervisory guidance is necessary. Without specificity, large creditors are able to design systems that technically comply with narrow interpretations of the law while functionally defeating its consumer-protective purpose. The burden then falls on individual debtors to litigate whether each display, prompt, or communication constitutes an act to collectan outcome that undermines uniform enforcement and judicial efficiency. 

This complaint is submitted not only to address the conduct experienced in this case, but also to highlight a recurring, industry-wide problem affecting thousands of bankruptcy filers annually. Regulatory attention is warranted to assess whether existing guidance sufficiently addresses automated collection practices in the bankruptcy context and whether additional clarification or enforcement action is necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have disputed with RESURGENT/LVNV FUNDING who comes up numerous times with incorrect information and names that are not the correct spelling of my name on XXXX XXXX and XXXX  other credit sites. Also I have been disputing XXXX  since 2025 who was hacked and my personal information was compromised time and time again. Its bringing my credit down and Im in the process of paying on accounts that are mines but they have failed to send the information I have asked for in my Cease and Desist letter. So now I am here, Im tired of the harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I deposited a check from an insurance settlement, and it was returned ( ie bounced ). I contacted the company that issued the check and they said it was their mistake and they offered to give me the funds via an instant XXXX  transfer instead because of the trouble. However, the bank where I deposited the returned check is Capital One, and they decided to close my account because of this. I have all my money in this Capital One checking account. I can not pay my rent, or any of my bills now. My rent is due in 2 days and the place I live has XXXX tolerance for late payments. I will be evicted because of this. Capital One refuses to give me access to my money. They said they will mail me a check for my account balance in 2-3 weeks. I can not wait that long. My entire life will be destroyed by then. I explained all this to them, and they simply do not care and will not give me access to MY money that is in the account already. No funds were lost due to the returned check. I didn't withdraw any of the money. When the check was returned, they simply withdrew the funds from my account and everything was square, so I don't understand how they can close my account. I have had this account for several years and have deposited many tens of thousands of dollars through it. I have zero history of bad checks. I have never had any issues with Capital One or any bank whatsoever. I never even attempted to withdraw the money from the bad check. Obviously I am not a scammer. Please help! I'm desperate....

Company response to consumer: Closed with explanation