vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Horsepower Financial, LLC
State: AZ

Complaint narrative:
Horsepower financial has continued to harass me, claiming I am linked to a loan. I know who the loan belongs to and it not me nor is it my husband ; however, despite being told this they continue to call both of us. They have accused of XX/XX/XXXXand continue to state the account belongs to us, which it does not. In XXXX they called my husband and I XXXX times. We each have verbally told them the account does not belong to us and to stop contacting us ; however, they are still calling. We have mailed a cease and desist letter, which they claim they have not received. Every time we say to stop because they are harassing us, they claim they are not harassing and per their records the number is linked to the account and because my husband has the same name as the person on the account they continue to state it is him and they can contact him.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Dear Sir or Madam, I am writing to formally file a complaint against JPMorgan Chase Bank regarding the continued and unjustified freeze of my checking account. 

Approximately eight months ago, my Chase account was frozen due to a court order related to an auto loan debt of approximately {$10000.00}. That debt has since been fully paid and satisfied. Following the payment, I received official documentation from the court confirming that the obligation was fulfilled, and I promptly submitted this documentation to Chase Bank as required. 

Despite full compliance and the courts confirmation that the debt has been paid, my account remains frozen to this day. As a result, I have been unable to access approximately {$1800.00} of my own funds for over eight months. 

I have contacted Chase multiple times and have also followed up with the court. Each time, I am told that the matter is under review, yet no resolution has been provided, no clear timeline has been given, and no justification has been offered for this prolonged restriction. This delay is unreasonable, financially harmful, and inconsistent with the courts directive. 

Chase Banks failure to release my funds after receiving official proof of debt satisfaction constitutes improper handling of my account and a lack of timely action. I am requesting immediate intervention to : 1. Release and fully restore access to my frozen funds.

2. Provide a written explanation for the prolonged delay.

3. Ensure that this matter is resolved without further unnecessary hardship. 

I am submitting this complaint because all reasonable attempts to resolve this issue directly with Chase Bank have been unsuccessful. 

Thank you for your attention to this matter. I respectfully request a prompt resolution. 

Sincerely, XXXX XXXX XXXX [ Last 4 digits of Chase account XXXX ] [ ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: OH

Complaint narrative:
I used Klarna to finance a {$7500.00} purchase with XXXX XXXX XXXX. The merchant failed to fully provide the contracted services and later became unresponsive. I reported the issue and provided evidence. Partial refunds were issued, confirming non-fulfillment. 

Klarna closed the dispute solely because the merchant failed to respond and is now requiring me to continue payments, stating they paid the merchant and were not reimbursed. I am being held responsible for a merchants breach of contract and failure to refund. 

I am disputing this balance as services were not rendered, refunds were issued, and Klarna failed to properly resolve the dispute or apply consumer protections.Ive also provided evidence of merchant promising refund and being blocked. The merchant had also breached our contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: Harvard Collections, LLC
State: IN

Complaint narrative:
XX/XX/XXXX I received a letter dated XX/XX/XXXX from Harvard Collection Services. On XX/XX/XXXX I called Harvard Collection Services and spoke to representative XXXX, I explained I received a notice of a debt that I am unaware of. XXXX, stated it was a debt from Illinois Department of XXXX XXXX. I expressed I do not owe them anything and how it had to have been an error. On XX/XX/XXXX XXXX stated she would request a Validation of Debt, and would mail me out proof upon receipt. I never heard anything from XXXX or the collection agency until XX/XX/XXXX. I called XXXX XXXX XXXX my credit was terribly damaged because instead of supplying proof to Harvard Collection ServiceXXXX, Illinois Department of XXXX XXXX re opened the file and sent it back to the collections agency. XX/XX/XXXX I spoke to Harvard Collection Services rep. XXXX, whom confirmed in XXXX The debt was removed from my credit because the Validation of proof was never provided to the collection agency by Illinois Department of XXXX XXXX. Today it has been close to 3 years since the request for Validation of Debt and they still have not supplied proof but instead added debt to my credit and causing derogatory marks. This is unlawful and unjustified. My rights are being violated and I really need help guidance regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Americas Car-Mart, Inc.
State: MO

Complaint narrative:
America 's Carmart issued a right to cure letter dated XX/XX/XXXX. It stated the amount now due was {$190.00} and the last day for payment was XX/XX/XXXX. On XX/XX/XXXX I sent and they accepted a payment of {$200.00}. That same night, about 3 hours after payment was made, a repossession company attempted to take the vehicle from my work parking lot. That's after payment was made 4 days before the payment date on the right to cure notice. The repossession company breached the peace entering my job and talking to guards, coworkers, and my supervisors. After going outside with him, he refused to leave the property alone when asked. Then I noticed he had the wrong car hooked up. I went back inside, clocked out, and went home. The next morning, yet another attempt to repossess the car was made. Another breach of peace was initiated when driver refused to allow me to leave, blocked all vehicles in the driveway, yell and cursed at me, attempted to call the police, only to contact Carmart and find out he could not take the vehicle. He left. I called the finance manager and he told me that, after paying the amount they said was due, that I owed a different amount and that if it wasn't paid, they would issue a repossession order on XX/XX/XXXX, the day after the original right to cure notice. He also informed me that he would call the police and get them involved to help in the repossession of the vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AR

Complaint narrative:
Jefferson Capital Systems LLC {$1400.00} Account opened : XX/XX/XXXX Reporting wrong dates I dispute the accuracy of this debt. I requested validation on XX/XX/XXXX. The company has not provided adequate verification but continues to report to the credit bureaus / attempt collection. I am requesting that they either provide competent evidence that I owe this debt ( contract, account statements, chain of assignment ) or stop reporting and remove the tradeline if they can not substantiate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CO

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 XXXX XXXX XXXX XXXX Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Complete Credit Solutions, Inc.
State: FL

Complaint narrative:
I have no clue XXXX  this debt is. It says opened in 2020 that was during XXXX I did not open any new accounts during that time period

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 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates ( XXXX ) is attempting to collect and report an amount that is not legally owed as represented, while the alleged debt is the subject of active litigation. 

XXXX purchased an alleged consumer account originally issued by XXXX XXXX. I have disputed this account multiple times with the consumer reporting agencies. The matter is currently pending in XXXX XXXX in XXXX XXXX, Texas, and a jury trial has been requested. 

The matter is currently pending in XXXX XXXX, XXXX XXXX, Texas ( Cause No. XXXX ), and a jury trial has been requested. XXXX recently verified the account as accurate to XXXX  ( XX/XX/XXXX ) and XXXX  ( XX/XX/XXXX ). XXXX continues to furnish the account as a collection balance due without clearly disclosing that the debt is disputed and in active litigation. 

XXXX has also continued to update reporting dates on the account during the litigation despite no payment, no judgment, and no resolution of the dispute. This reporting has suppressed my XXXX XXXX since at least XX/XX/XXXX and has prevented me from qualifying for additional credit and more favorable auto-financing terms. 

I believe XXXX failed to conduct a reasonable investigation before verifying the account and is misrepresenting the legal status and enforceability of the alleged debt. I have attempted to resolve this issue by disputing the account with XXXX  and XXXX  and by notifying XXXX directly. 

I am requesting that XXXX correct the tradeline to accurately reflect that the account is disputed and in litigation, or delete the tradeline if it can not be accurately reported, and provide documentation supporting any continued reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint against Capital One, N.A. regarding its CreditWise service. I have been denied access to CreditWise with no meaningful explanation or resolution, despite being the consumer whose credit information is being referenced. CreditWise displays a message stating that access can not be provided and redirects me to XXXX. This is not an acceptable substitute for the advertised service, nor does it explain why access is being denied. I have not been provided with a clear reason, adverse notice, or steps to remedy the issue. I am currently a victim of identity theft, which has been documented through an FTC Identity Theft Report and police report. Due to this, access to credit monitoring is especially critical. XXXX XXXX refusal to allow access without explanation or corrective action interferes with my ability to monitor my credit file for fraud and inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I have on several occasions in XXXX and XXXX tried contacting westlake and asking them for documentation I have signed a car loan with them. Which I indeed did not. Us auto sales filed bankruptcy I asked to send a copy of my contract from westlake and that have never provided it to me. They send emails back to back to back constantly harassing me about paying a car off that doesnt even work

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code XXXX - XXXX 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 2026-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am POA on my dad 's mortgage and he have been charged a huge amount for insurance XXXX. I in turn purchase insurance for XXXX. Upon contacting Chase Mortgage Department. Iwas told they do not have me listed as POA. I went to the Chase Bank in BOTH XXXX XXXX, IN and XXXX GA. Both branches have me listed in the system as POA. I had Both branches at Chase bank fax the documents to XXXX. The Mortgage Department is saying they did not get them. I provided both representatives name and number but they was not contacted. I asked for a direct address so I can send the documents XXXX still refused. Something dishonest is happening here which is prompting me to seek legal representation and lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am filing this complaint because Navy Federal Credit Union ( NFCU ) is engaging in unfair and deceptive practices regarding the status of my account. After my account access was initially restricted/terminated, I followed Navy Federal XXXX formal appeal process. 

I successfully won this appeal. On XX/XX/year>, I received an official email notification from Navy Federal confirming that my appeal was granted and that my account access would be reinstated.

Despite this written confirmation from their own department, Navy Federal refuses to restore my access. When I attempt to log in or speak to representatives, I am told the account is still restricted/closed, completely contradicting the outcome of the formal appeal process. They are failing to honor their own decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
This is regrading recent complaint that was closed case number XXXX. The credit card company did t do a thorough investigation. They assume this was about an auto loan when it was a credit card dispute. below Is my response to that. 

Dear Consumer Financial Protection Bureau, I am submitting this formal rebuttal to XXXX XXXX response regarding my complaint, referenced under CFPB File Number : XXXX and Capital One Case Reference Number : XXXX. 
XXXX XXXX  response is procedurally flawed and fails to address the actual nature of my dispute. 
My complaint concerns a {$3000.00} charge made to my Capital One credit card for a vehicle purchase. 
This is a billing dispute governed by the Fair Credit Billing Act ( FCBA ), not an auto loan dispute. 
However, Capital One responded as if this matter involved Capital One Auto Finance and a funded installment contract, which is factually incorrect. 
Capital One stated in its response that it has no records of a funded contract. This statement does not resolve, address, or explain the following : Why my Capital One credit card was charged {$3000.00} Why the transaction was treated as valid Why my dispute was denied Why the merchant was not required to provide proof of compliant delivery, return terms, or disclosures Why FCBA billing error protections were not applied If no funded contract exists, then Capital One must explain why this charge was processed, posted, and enforced against my account. 
This response reflects a misclassification of my complaint and a failure to conduct a proper XXXX investigation. A valid XXXX investigation requires the creditor to obtain and review merchant documentation supporting the charge, including proof of delivery, agreement terms, cancellation policy, and compliance with representations made at the time of sale. 
Capital One has not provided any of this. 
Instead, they redirected responsibility to the dealership, which is not compliant with FCBA procedures. 
Under federal law, the creditor is required to investigate and resolve billing errorsnot deflect responsibility to the merchant. 
I respectfully request that the CFPB require Capital One to : XXXX. Reopen the dispute as a credit card billing error under the Fair Credit Billing Act XXXX. Conduct a proper reinvestigation XXXX. Obtain and disclose merchant documentation XXXX. Provide a written explanation of how this charge was validated XXXX. Correct any reporting or account harm resulting from this improper denial This response from Capital One does not satisfy federal consumer protection standards and should not be considered a valid resolution. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
Please reference previous two complaints filed. Chase Mortgage owns my mortgage. I filed for an assumption in XX/XX/year>, nearly a year ago. Chase continues to delay unnecessarily and request duplicate documents. They have caused damage to my credit score from repeated pulls of my credit report. Two months ago, they told the CFPB that my application was in underwriting and the decision could take up to 55 days. However, that was far more than 55 days ago, and yet there is still no decision. I have written requesting a formal update of the process, without response. I have formally requested their policies and procedures for the assumption process and was denied this information in writing. Chase Mortgage is participating in discriminatory practices and their ascertion that that is false is not proof of their conduct. They are abusing their financial standing, requesting duplicate documents to intentionally delay making a decision on the application, and are refusing to provide their policies and procedures to avoid accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
After the completion of an " investigation '' of my checking account. I was told by three different individuals at the Fraud Department of US Bank that a check for over {$55000.00} that was in my account would be mailed out to me via certified mail on XX/XX/year> and I would receive it in 5-7 business days. I called the Fraud Department on XX/XX/year>XXXX  to request a tracking number for my check via certified mail and he informed me the person at US Bank that issued the check did not upload a tracking number and there was no other information. I spoke with another person on XX/XX/year>XXXX  who told me a person named XXXX claims and disputes specialist issued the check and I was told it was not sent certified mail and I would receive it XXXX business days. I requested that this be escalated, the check be reissued and sent overnight with a tracking number and was told the Risk Department would be issuing the check. I had to ask the same person three times on the same call for this issue to be escalated, the new check to be mailed out the same day and sent via overnight mail/shipping in which she responded to call back and check in " mid week next week ''. This bank should be shut down for their lack of competence and urgency. I am disgusted.

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 2026-01-09 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: AR

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