vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 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: NJ

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 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I made a purchase at a dining establishment for {$1.00}, which should have earned {$0.00} in rewards based on their terms and conditions, yet I never received it. Bank closed the account and stole the cash back I earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: MS

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 2026-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: AMERICAN FAMILY FUNDING GROUP Inc.
State: KS

Complaint narrative:
I took out a loan with XXXX XXXX XXXX XXXX and paid the loan in full. However, the company set up a recurring XXXX XXXX monthly processing fee with no clear number of payments or end date. After my loan was paid off, they continued to withdraw {$490.00} from my bank account without authorization. I did not clearly understand or agree to an indefinite recurring fee, and this was not properly disclosed. I am requesting a refund of the {$490.00} charged after payoff and that all future debits be stopped. This appears to be a deceptive and unfair billing practice

Company response to consumer: Untimely response
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
I am filing a complaint regarding XXXX ATM withdrawal transactions where funds were debited from my account but no cash was dispensed. Details : {$40.00} withdrawal on XX/XX/year> between XXXX and XXXX at XXXX ( XXXX XXXX XXXX XXXX, XXXX, XXXX ) {$100.00} withdrawal on XX/XX/year> at XXXX at XXXX ( XXXX XXXX XXXX XXXX, XXXX, XXXX ) In both cases, the ATM printed a receipt stating that cash was dispensed, but no money was actually provided. I remained at the machine and waited, and no cash was ever presented. For the {$100.00} transaction, I remained at the ATM for approximately XXXX minutes and recorded video evidence showing the machine making repeated dispensing sounds without releasing any cash, along with abnormal screen behavior. These transactions occurred at XXXX separate XXXX ATMs, indicating a likely machine or network malfunction rather than user error. I filed disputes with Branch ( card provider ), but they denied my claim stating they are not able to assist with ATM malfunctions and instructed me to contact the ATM operator. This response does not comply with Regulation E requirements, which require the financial institution to investigate electronic fund transfer errors, including ATM cash dispense errors. I am requesting that Branch and XXXX XXXX XXXX XXXX conduct a proper investigation, including reviewing ATM journal logs and cash balancing records with the ATM operator, and reimburse the missing {$140.00}. I have video evidence available and can provide it upon request.

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 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: AZ

Complaint narrative:
Ive made a complaint before, my account has been suspended for almost 6 months now, and still my issue isnt resolved. Ive been told multiple times a specialty team would contact me within 5 business days, but its been several months with no follow-up. I need a status update or resolution on my account hold. Im tired of this useless company support.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I moved to XXXX from XXXX and had problems with my bank account and financial institution in XXXX. Its a local bank and they wanted me to come into a branch to fix the issues I was having. It being a local XXXX bank I couldnt do that so I opened a chase bank account in XXXX XXXX XXXX and switched my direct deposits over to my new chase bank account. Apparently it was too late for my last direct deposit to be deposited into the new chase bank account. At that point I linked my old XXXX bank account with my new chase account and went through the process of verification of the account to link it. After that I started transferring money from the XXXX bank account into the new chase account. The last transfer I made was for XXXX dollars into my chase bank account and chase bank froze my money and closed my account and this happened in XXXX of last year and I still havent received my balance from my chase account which happened to be over XXXX dollars. They still wont give me my money even today XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Tesla, Inc.
State: TN

Complaint narrative:
I am submitting this complaint regarding a {$600.00} repossession-related fee that was charged to my account by Tesla Financial Services . The fee was assessed despite the fact that my vehicle was never repossessed. After disputing the charge directly with Tesla, the company acknowledged the issue and agreed to issue a full refund of the {$600.00}. However, it has now been over a week since Tesla confirmed the refund, and I have not received the funds. There has been no follow-up communication, no timeline provided, and no indication that the refund is being processed. Additionally, while I have been waiting for Tesla to remove and refund this improper fee, I have now been assessed a late fee of {$23.00} on the same account. This late fee is directly related to Teslas failure to timely correct the original issue and should not have been applied. At this point, Tesla Financial Services is failing to fulfill a confirmed resolution and is continuing to negatively impact my account by assessing additional fees tied to their delay. Retaining funds after agreeing to return them, while simultaneously charging additional fees, is unacceptable and raises serious concerns about their billing and account management practices. Desired Resolution : Immediate processing of the agreed-upon {$600.00} refund Removal and refund of the {$23.00} late fee Written confirmation of both actions, including method and processing timeline Assurance that no further negative impact ( including fees or reporting ) will occur as a result of this issue I have made a good-faith effort to resolve this matter directly with Tesla Financial Services, but due to the lack of follow-through, I am now requesting assistance to ensure this matter is resolved promptly and fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: CA

Complaint narrative:
I am requesting validation of an alleged account being reported or collected by Portfolio Recovery Associates, as I have serious concerns regarding the accuracy, ownership, and proper verification of this debt. After reviewing my records, I have not received sufficient documentation that establishes a clear contractual obligation between myself and the original creditor, nor have I been provided with a complete account history or itemized breakdown of the balance being claimed. As a debt buyer, Portfolio Recovery Associates is required to maintain accurate records regarding the origin of the debt and the chain of ownership. However, I have not been provided with any documentation demonstrating how this account was acquired, including proof of assignment, transfer records, or a complete chain of custody from the original creditor to your company. This lack of transparency raises concerns about whether the debt has been properly verified or if it has been resold or reassigned multiple times without accurate documentation. Additionally, I have concerns that this account may be the result of inaccurate reporting, mixed file issues, or even a data breach, where my personal information may have been used or associated with an account that does not belong to me. Without proper validation, I can not confirm the legitimacy of this debt. Under 15 U.S.C. 1692g ( b ), I am formally requesting full validation of this debt. Furthermore, under 15 U.S.C. 1681s-2 ( b ), furnishers must conduct a thorough and good-faith investigation when a dispute is raised, and under 15 U.S.C. 1681e ( b ), only accurate and verifiable information may be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: MO

Complaint narrative:
From what I have been told they received a letter stating there was an issue with my insurance. They never contacted me or my insurance agent. They placed their forced insurance on my loan and took two payments from me for that insurance before I noticed it. Once I noticed it, I called and was told I would be receiving a refund. After a week of not seeing the refund I called back in. Instead they told me they put the money to my escrow account and informed me they had to do that because the insurance they placed on my loan put my escrow behind. Again, this was a charge I never should have had to pay nor fees I should have had to pay. They took in total, just over XXXX XXXX from me for this insurance they wrongfully placed on my loan and now won't give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
This. Company calls me multiple times everyday I am currently part time so Im not able to make payments on this at thi time Ive already paid for before but end up refinancing same loan it {$600.00} and they want me to pay close to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was the victim of a fraudulent wire transfer after being targeted in an impersonation scam where a fraudster posed as a bank representative and requested a one-time authentication code. Immediately after realizing the fraud, I contacted my bank and reported that fraudulent activity was in progress. During that call : I explicitly notified the XXXX XXXX XXXX XXXX XXXX representative took action and successfully stopped one wire transfer A second wire transfer, part of the same incident, was not stopped I was assured by the bank representative that the situation had been handled. However, the second wire transfer was still processed, resulting in a loss of {$160000.00}. This demonstrates that : The bank had real-time knowledge of fraud The bank had the ability to stop the transfers The bank failed to act consistently or appropriately after being notified Additionally, I was undergoing serious medical treatment at the time, which made me particularly vulnerable to this type of attack. I am requesting full reimbursement of the fraudulent transfer and a detailed explanation of why the bank failed to stop the second wire after successfully stopping the first. This is a failure of fraud prevention and response, not simply a customer error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research 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 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 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: IN

Complaint narrative:
Misrepresentation of Credit Reporting XXXX XXXX XXXX XXXX XXXX I am filing a complaint regarding XXXX XXXX related to a payment arrangement I entered into today. Prior to agreeing to the arrangement, I specifically asked whether the account would be reported to my credit if I made a payment arrangement. I explained that I am working toward purchasing a home and wanted to avoid a new collection reporting. The representative confirmed that if I set up a payment arrangement, the account would not be reported. Based on this representation, I agreed to a reduced balance and made an initial payment of {$86.00} using my debit card. Before ending the call, I confirmed this information again. At that time, the representative stated they did not have authority over reporting, which contradicted the earlier representation. I requested to speak with a supervisor, who confirmed they could not prevent reporting but indicated that the call recording would need to be reviewed. Additionally, I was told I would receive confirmation of my payment and arrangement, but I have not received any documentation or receipt. I made this payment in good faith based on the information provided. I am requesting : Review of the recorded call Written confirmation of my payment Hold on credit reporting pending investigation Removal of any reporting resulting from misrepresentation I have worked diligently to improve my credit and am concerned about inaccurate or misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Larry H. Miller Group of Companies
State: TX

Complaint narrative:
Failed to notify me that there was an issue verifying my auto insurance. Due to the lapse in communication, I was dis-enrolled from an interest rate reduction program. I have repeatedly updated my information in good faith since the loan was assumed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This is not a service-quality complaint and not a routine dispute over authorized XXXX payments XXXX From XX/XX/XXXX through XX/XX/XXXX, I sent XXXX payments totaling {$9300.00} because the recipient represented as facts that a scientific article had already been submitted, or was in a confirmed stage of submission, and that patent documents had been properly prepared and would be correctly filed. These representations were material to my decision to send the payments. After the transfers were made, the recipient did not provide objective proof of those representations. No submission confirmation was produced, no manuscript or article ID was provided, no access to submission accounts or records was given, and no verifiable submission history was shown. Instead, later communications contradicted the earlier representations, including indications that the article had not actually been submitted and discussion of making a new submission rather than confirming the previously claimed submission. The communications also included urgency and pressure for immediate payment, which limited my ability to independently verify those representations before sending funds. I could not reasonably identify the fraud earlier because I continued to receive repeated assurances that proof would be provided and that access and control over the submissions would be transferred. Only around XX/XX/XXXX, when no proof had been provided, no account access existed, and the discussion shifted from an allegedly completed submission to a new submission, did it become clear that the material representations used to obtain the payments were false or misleading. I contacted the bank promptly after that discovery. The issue is not whether I technically authorized the transfers from my account. The issue is that the transfers were induced by materially false or misleading statements. This is therefore a fraud/scam complaint based on deceptive inducement and delayed discovery, not an ordinary authorized-transaction dispute. Had the true facts been disclosed, I would not have sent the money. I respectfully ask that this matter be reviewed under the proper fraud/scam framework, rather than as a routine authorized-payment dispute, and that appropriate relief, including reimbursement, be considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
I am filing a complaint against XXXX regarding a line of credit account that I believe involves unfair and predatory lending practices. I borrowed approximately {$2500.00} in XXXX of XXXX and have already paid over {$600.00} toward this account. Despite this, my balance has increased to {$3200.00} due to extremely high interest charges. The structure of the loan was not clearly understood at the time of agreement, particularly the frequency of payments and how payments would be applied primarily toward interest rather than principal. I have made multiple attempts to work with XXXX directly to establish a reasonable payment plan of {$200.00} per month, which I can afford. However, I have been told that payments would only be applied toward past due amounts while additional charges continue to accrue, making it impossible to catch up or reduce the balance. This creates a cycle of debt that is financially unsustainable and appears designed to prevent consumers from successfully repaying the loan. They have also already had my credit score deducted by almost XXXX points over the late payment. I am requesting : A fair settlement or restructuring of the account Suspension or reduction of excessive interest Clear and transparent resolution options I am attempting to resolve this matter in good faith but have not been provided with reasonable options.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
I had a recent phone number change and was locked out of my cashapp account so I had to make a new account. I had a friend accidentally send money to the old account so I contacted Cashapp at least XXXX times in a XXXX week span via phone to have the money either transferred to my new account or sent back to the sender and got nowhere. Every single time I was told they only have XXXX opportunity to do it and if the system rejects it theres nothing they can do until the next day so of course the system seemed to be always rejecting it. I then emailed them and told them I wanted the money transferred or returned to the sender or I was filing a complaint, I sent that email XXXX weeks ago with no response. This situation has been going on for nearly XXXX months with no communication from Cashapp. Old Account Info XXXX XXXX XXXX ( old number attached to account ) $ XXXX ( old cash tag ) Needs to be transferred to NEW account XXXX XXXX XXXX $ XXXX ( new cash tag )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: Rosebud Economic Development Corporation
State: FL

Complaint narrative:
I applied for this loan and they called and immediately asked for my social which was weird. I was in a desperate time and requested {$400.00} which I received and another one for {$160.00}. They charge fees of $ XXXX, and installments of {$40.00} each. I called XXXX weeks ago and the lady on the phone said that with my current payment schedule, I would have to make another " XXXX payments ''! They also said that there was no way to stop recurring billing, meaning I will have about {$120.00} deducted from my checking for the next XXXX weeks for a {$560.00} loan. I read that they may not be licensed in Florida and their interest rates may be illegal. Everything that I have read about this company is negative and many think they should not be able to operate anymore, which I 100 % agree. I am attempting to try to find a class action lawsuit and stop paying them.

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