vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I have fraudulent charges from four companies that showed up monthly on my bank statements, a company that shows up as XXXX and it has charged my bank account every month since XX/XX/year> for {$39.00} each time with a different charge ranging from XXXX XXXX  to XXXX XXXX  international charge before the {$39.00} charge. I have never authorized this charge and my bank can only refund some of the charges. Please help me to recover these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Credit Fresh Holdings Inc
State: TX

Complaint narrative:
On XX/XX/year> a company going by the name of XXXX XXXX and or XXXX XXXX XXXXXXXX called me and threatened legal action/seizing of my vehicles based on a debt listed on my credit report as charged off. I asked for verification of the debt as well as their ownership of that debt, but none was provided. They requested a down payment with an additional payment plan, of which I have provided a copy which also includes their company information. They called my wife and other family members, as well as threatened to contact my employer. They also threatened to send someone to my house to photograph my property and vehicles without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I have an ongoing car loan servicing issue with JPMorgan Chase. Chase previously blocked my account from making automatic payments after a failed payment attempt. Since then, Chase has refused to reinstate autopay and has required me to either call every month to make the minimum payment or visit a physical branch. Chase also restricted my ability to make additional principal payments online. 

Despite multiple requests, Chase stated their only solution was manual monthly payments, which significantly increased the risk of payment errors and miscommunication. Because of these ongoing servicing issues, I began the process of refinancing my auto loan with XXXX. 

On XX/XX/year>, my Chase auto loan payment was due. At that time, XXXX was sending Chase a full payoff check. Because the payoff check was being mailed and subject to delays, I contacted Chase in advance. 

A Chase representative advised me to make my regular payment on XX/XX/XXXX to avoid a XXXX day delinquency and stated that once the payoff was received, the payment would be refunded. I relied on this guidance and made the payment on XX/XX/year>. The payment was approved and processed. 

Despite this, Chase reported my account as XXXX days late, resulting in a XXXX drop in my credit score. When I contacted Chase after the credit impact occurred, Chase acknowledged a miscommunication, apologized, and stated the agent would be retrained, but still asked me to wait XXXX hours despite the credit damage already occurring. 

Chase reported negative credit information while accepting an on-time payment and while a known refinance payoff was in progress. This reflects inaccurate credit reporting and repeated servicing failures. I am requesting removal of the late payment designation and correction of my credit report.

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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I have had XXXX companies fraudulently charge my checking acct, through my debit card, since XX/XX/year>. The third company is XXXX. They charge a small amount from XXXX cents to XXXX cents and {$19.00} a month. My bank, SECU, can only dispute from a certain timeframe. Please help me recover these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
Once I learned in late XXXX that my loan which was supposed to mature on XX/XX/XXXX had a balance of {$690.00} I called the XXXXXXXX XXXX branch the manager was unable to explain the exact figures. He and his superior was only able to give me guestimates. I only requested assistance for the first time having this loan during XX/XX/XXXX when I was XXXX from the XXXX XXXX I expected one payment to be added to the end of the loan extending to XX/XX/XXXX. Just as importantly, the branch manager was able to tell me that a modification was done on my loan a few years ago unbeknownst to me thus without my consent so that I could inquire if there were any hidden fees or interest being incurred. I also would like to be transparent that I was late a few times but never extending more than 30 days late so if this remaining balance generated an amount this exuberant the branch manager should have been able to break it down and he could not. Rather, he told me that he would send a statement of my account and that I should figure out the discrepancy myself because he could not definitively tell me why on his own. Overall, it is unlawful to tack {$690.00} on to a loan that expired on XX/XX/XXXX but yet not have anyone in the company explain the numerical figures so I feel it is necessary to involve CFPB for complete transparency of the remaining balance.

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 — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/year> I initiated a transfer from Fifth Third Bank to an external bank account which was placed to be processed the next business day. On XX/XX/year> I receive an email that the transfer couldn't be completed and the XXXX XXXX account was suspended as a future destination. 

On XX/XX/year> I message the support team who open a ticket to resolve the account suspension and give no estimate on completion. I call again to see if I can get a live agent who can help me get a timeline and the full reason for flagging the transfer in the first place. The agent provides a vague reason of " suspected fraud '' with no option to pre-authorize transfer or override this flag. They also then proceed to state that in order for suspension reversals, a customer must have the checking account open for XXXX  months. 

Reiterating the last point. A new customer whose transfer was incorrectly flagged leading to a destination bank being suspended must wait 6 months for the reversal of the suspension. There is no system in place to manually pre-authorize and no system for the support team to manually override. If the customer uses a different bank account, there is no guarantee that it too won't get flagged erroneously from a transfer. 

Fifth Third Bank is holding funds hostage with no reason and no mitigation for arbitrary amounts of time.

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: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Nathan & Nathan, P.C.
State: TN

Complaint narrative:
I offered to pay off a debt of {$10000.00} from a credit card that I owned over XXXX  years ago and had a credit limit of {$10000.00} for {$5000.00}, which is much as I can afford. 

I paid for a couple of years on this account about XXXX years ago which should have reduced the amount still owed to less than {$7000.00} currently. 

I know that these debt collection companies average paying XXXX cents on the dollar for these written-off debts, so on the high end the debt collectors, Nathan and Nathan, LLC of XXXXXXXX XXXX paid {$750.00} for this debt. 

Offering them over a XXXX % ROI is more than fair in my estimation. 

Kind regards, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
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 is not yours
Company: FirstPoint Collection Resources
State: PA

Complaint narrative:
Company : FirstPoint Collection Resources , Inc . 
Amount : {$2200.00} Subject : Dispute of Collection Account Failure to Verify Ownership and Authority To Whom It May Concern, I am submitting this complaint to formally dispute a collection account being reported by FirstPoint Collection Resources , Inc. regarding an alleged debt in the amount of {$2200.00}. 

I dispute the validity of this account because FirstPoint Collection Resources has failed to provide adequate documentation demonstrating that it has the legal right to collect this debt or to report it to the consumer reporting agencies. 

Specifically, FirstPoint Collection Resources has not provided : Proof of ownership of the alleged debt, including a complete chain of title showing lawful assignment Documentation demonstrating that my specific account was included in any sale or transfer Proof of authorization to collect on behalf of the original creditor, if the debt was not purchased A complete and accurate itemization of the alleged balance, including interest, fees, and the contractual basis for those charges Without proof of ownership or legal authority to collect, FirstPoint Collection Resources does not have a permissible purpose to continue collection activity or to furnish this account to the credit bureaus under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

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 accessing account
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
My checking account and business checking with Associated Bank was frozen due to a fraud review on or around XXXX. I contacted the bank to resolve the issue and to understand what documentation was required to restore access to my funds. 

During a phone call with the assigned fraud investigator XXXX on XXXX, the investigator made unprofessional and discriminatory remarks toward me. The tone and comments were inappropriate and caused me concern that bias could impact the handling of my account review. 

I am fully cooperative and willing to provide any documentation requested. I requested reassignment to a different investigator and escalation to a supervisor due to the investigators conduct. 

This account contains funds needed for essential living expenses, and the continued freeze has caused financial hardship. I am requesting reassignment to a new investigator, review of the recorded call, clear communication regarding required documentation, and a reasonable timeline for unfreezing my account.

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 is not yours
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I formally dispute the accuracy, completeness, and verifiability of the derogatory account reported by or associated with XXXX XXXX XXXX ( or XXXX XXXX XXXX ) on my credit file. This dispute is based on XXXX separate violations of law : I. Violation of the Fair Credit Reporting Act ( FCRA ) The reporting of this account is inaccurate, incomplete, and can not be verified. I demand a reasonable reinvestigation into the validity of this debt, pursuant to * * 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) * * ( CRA ) and * * 15 U.S.C. 1681s-2 ( b ) * * ( Furnisher ). I require verified evidence to substantiate every data point reported, including : 1. The name and account number of the Original Creditor. 
2. A complete, unbroken * * chain of assignment * * showing that XXXX  legally owns this specific debt. 
3. The * * original contract or agreement * * bearing my signature. XXXX XXXX XXXX XXXXXXXX. Violation of Colorado State Law As a resident of Colorado, I am protected by the * * Colorado Fair Debt Collection Practices Act ( CFDCPA ) * *. Colorado law requires all debt collection agencies that collect debts from Colorado consumers to be * * licensed and bonded * * to operate in this state ( * * Colorado Revised Statutes XXXXXXXX XXXX XXXX ). 
I assert that XXXX XXXX XXXX XXXX XXXX XXXX XXXX illegally within Colorado without the requisite state licensing. The collection activity and the subsequent reporting of this accountderived from an illegal transactionviolates my rights under both the * * FCRA * * ( by reporting unverifiable data ) and the * * CFDCPA * * ( by engaging in unlicensed collection ).

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: 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 XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I dispute the accuracy and completeness of this collection tradeline. The furnisher has repeatedly failed to provide competent evidence of legal standing/authority ( ownership/assignment or placement authority ) for this specific account and has only sent a generic statement that I owe the original creditor. Because the furnisher can not substantiate the basis to report this account, it is not verifiable. Under 15 U.S.C. 1681i ( a ) you must conduct a reasonable reinvestigation, and under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) you must delete information that can not be verified. Continued reporting also violates the requirement for maximum possible accuracy under 15 U.S.C. 1681e ( b ). Please delete this tradeline, or provide the results and procedure details required by the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Elevate Recoveries, LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX  days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

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: Aargon Agency, Inc.
State: IL

Complaint narrative:
AARGON AGNCY is falsely reporting on my credit. I have never had any accounts with them. Per my research AARGON AGNCY 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 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: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint against Capital One for wrongfully holding my funds even after closing my account. 

On XX/XX/year>, Capital One placed my account under reserve status and froze my available balance, stating that the funds were on hold for review. I fully cooperated and repeatedly contacted Capital One to resolve the issue. 

Despite multiple follow-ups and no clear explanation, Capital One closed my account on XX/XX/year>. At the time of closure, I was told my remaining balance would be released after internal review. However, to this day, I have not received my money. 

It has now been several months since : The funds were first frozen, and The account was officially closed Capital One has failed to return my legally owned funds and has provided no clear timeline, written notice, or valid justification for continuing to hold my balance. 

This is causing me serious financial hardship and is a clear violation of consumer protection and banking regulations. I believe Capital One is unlawfully retaining my money without cause. 


What I am requesting : XXXX. Immediate release of my full remaining balance XXXX. A written explanation for why my funds were held for this long XXXX. Confirmation that no further holds or restrictions remain on my funds I respectfully request the CFPBs assistance in ensuring Capital One returns my funds without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Fig Tech Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I applied for an installment loan through Fig Loans online platform. During my application and closing process, I was presented with a specific loan offer for {$1000.00} with XXXX ( XXXX ) monthly payments, which was displayed as my approved offer and noted as expiring 48 hours from approval. I relied on these disclosed terms when proceeding to sign electronically. 

After signing, the finalized Truth in Lending Disclosure and Promissory Note that were emailed to me reflected materially different terms, including an {$800.00} amount financed, a shortened repayment period of six payments, and a significantly higher APR and finance charge than what was presented during closing. 

I contacted Fig Loans to request an explanation for this discrepancy and provided a screenshot of the {$1000.00} offer shown during my closing flow. Fig Loans responded that, according to their system, only an {$800.00} loan was offered and did not explain how the {$1000.00} offer appeared during my application or whether the original terms were revoked or re-disclosed prior to execution. 

I am concerned that the loan was consummated with terms that differed from those disclosed and relied upon during the application and closing process, without clear notice or informed consent to revised terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
Subject : Formal Complaint Against Westlake Financial Unfair and Deceptive Practices To Whom It May Concern, I am submitting this formal complaint against Westlake Financial regarding their ongoing unfair, deceptive, and potentially unlawful business practices related to my auto loan account. 

From the beginning of my account, Westlake Financial has treated me in an unprofessional and inconsistent manner. I was approved for and agreed to a 0 % interest loan, yet my account balance has repeatedly increased without proper explanation. Despite making payments as agreed, I have been charged hidden fees and unexplained upcharges that were never clearly disclosed at the time of signing nor adequately explained afterward. 

When I contacted Westlake Financial to seek clarification, I received conflicting and contradictory information from multiple representatives. Different employees provided completely different explanations for the same charges, with no consistent or documented justification. This lack of transparency has made it impossible to understand my true account balance or verify that charges are legitimate. 

Additionally, I have repeatedly requested a detailed breakdown of all fees applied to my account. Westlake Financial has either failed to provide this information or provided vague explanations that do not align with my contract. Charging fees on a 0 % interest loanwithout disclosureraises serious concerns about deceptive lending practices.

I believe Westlake Financials actions may violate consumer protection laws, including unfair billing practices and failure to clearly disclose fees. Their behavior has caused me unnecessary financial stress and confusion and has eroded my trust in their business practices. 

I am requesting the following resolution : 1. A full audit and itemized breakdown of all charges applied to my account 2. Removal and refund of any unauthorized or undisclosed fees 3. Correction of my account balance to accurately reflect my original loan agreement 4. Written confirmation that no further undisclosed charges will be applied I appreciate the XXXX  assistance in reviewing this matter and helping ensure Westlake Financial is held accountable for their actions. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation