vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Possible Financial Inc
State: CA

Complaint narrative:
CFPB, I am writing to formally notify you that I am currently receiving charge-off notices from Possible Finance regarding my account. This is deeply concerning, as my final payment has already been successfully processed and posted to my bank account. Specifically, the payment in question was completed and reflected on XX/XX/XXXX. I have both the transaction record from my bank and corresponding confirmation indicating that the payment was made and received. Despite this, XXXX XXXX continues to act as though the balance remains outstanding and is now attempting to classify the account as a charge-off. I anticipate that Possible Finance may dispute my claim ; however, the documentary evidence, including the payment posting date and confirmation records, clearly demonstrates that the obligation has already been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
i happen to look at my credit report and notice fraudulents that i would like remove

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 2026-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
i happen to look at my credit report and notice fraudulents that i would like remove

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I was charged approximately {$1300.00} by XXXX for a reservation. Prior to this charge, I attempted to cancel the reservation before the cancellation policy penalty window was in effect. Despite this, I was still charged the full amount. On XX/XX/year>, I filed a dispute with Wells Fargo and was issued a provisional credit for the full amount. On the same day, XXXX issued a partial refund of {$300.00}. However, there has been ongoing confusion regarding how this {$300.00} refund was applied, as my account balance did not clearly reflect the expected increase. Wells Fargo later denied my dispute and reversed the provisional credit, causing my account to become significantly negative. The denial was based on XXXX cancellation policy, but this does not reflect the timing of my cancellation attempt. Additionally, I received conflicting information from XXXX and Wells Fargo regarding who retained control of the funds ( XXXX vs. the host ), which raises concerns about whether the dispute was properly investigated. I made multiple attempts to resolve this issue with both Wells Fargo and XXXX, requesting clarification on the denial, the timing of the charge, and the application of the {$300.00} refund, but did not receive a clear or consistent explanation. As a result, I am experiencing financial hardship due to the negative balance caused by the reversal of the provisional credit. I am requesting a full review of this matter based on the timing of my cancellation relative to the policy, as well as reimbursement of the disputed amount if the charge is found to be inconsistent with the stated terms.

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 2026-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AC AutoPay LLC, Denver, CO Branch
State: CA

Complaint narrative:
The company is Autopay, parent company XXXX XXXX XXXX I have first sent an informal email to my agent, XXXX XXXX, on XX/XX/XXXX, requesting signed documents. Then to XXXX XXXX, from XXXX XXXX XXXX, on XX/XX/XXXX, after he informed me that my loan has been transferred to XXXX XXXXXXXX XXXX XXXX. I then sent in a formal request to both XXXX and XXXX, along with the Credit Union to request copies of all documents related to my auto refiance and to cancel all add-ons including the extended warranty, excluding the GAP insurance. I have gotten the signed documents from the Credit Union, but they informed me that I need to reach out to XXXX XXXX XXXX to cancel the extended warranty, and XXXX XXXX XXXX agents has not responded to any emails. All of these are under my rights to cancel, under the Consumer Financial Protection Act, California Civil Code 1794.4 ( c ) ( 3 ) ( A ) ( iii ), and California Civil Code 1794.4 ( c ) ( 3 ) ( v ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc
State: GA

Complaint narrative:
I filed a claim to retrieve my money back from a lady who was pretending to be a person who has homes to move in. I did everything with the down payment and security deposit. My bank chime said there was a chargeback. Even XXXX XXXX stated they sent it to my bank but now my bank denied my claim after I showed proof that XXXX XXXX provides receipts that they sent money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Continental Finance Company, LLC
State: NJ

Complaint narrative:
Company is holding my available funds.. I only owe one monthly auto payments and they are holding next months auto payment that has not even been charge to my account yet..

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 2026-04-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems , LLC for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F ( 12 CFR 1006.34 ). On XX/XX/XXXX, I contacted Jefferson Capital and spoke with a representative named " XXXX XXXX ''. The representative appeared to be in a call center setting and demonstrated a profound lack of knowledge regarding the account that his company, JEFFERSON CAPITAL was attempting to collect. PLEASE NOTE : I HAVE THE RECORDING AVAILABLE UPON REQUEST AND WILL BE USED IN COURT IF JEFFERSON CAPITAL WANTS TO ESCALATE THIS! I am reporting the following violations : 1. Failure to Validate & Itemize ( 15 U.S.C. 1692g and Reg F ) On the call, the representative, XXXX XXXX, explicitly stated, " I also have limited action to all the information '' when questioned about the account history. The validation email I received shows a principal balance of {$120.00} as of XX/XX/XXXX, but adds a massive fee of {$270.00}, totaling {$390.00}. When I asked for a breakdown of these fees, the agent could not provide one, stating he only had " limited action '' to the data and that previous documents sent " did not break down the cost ''. Under Regulation F ( 12 CFR 1006.34 ), debt collectors are required to provide a clear itemization of interest, fees, and payments since the itemization date. Jefferson Capitals failure to explain a fee that is over 200 % of the original principal is a direct violation. Sending a notice claiming it is " not an attempt to collect '' while demanding payment for a " bill '' is a deceptive practice intended to confuse the consumer. Collection of Unverified/Unauthorized Amounts ( 15 U.S.C. 1692f ) Under FDCPA 808 ( 1 ), a debt collector may not collect any amount unless it is authorized by the original agreement or permitted by law. Since the representative admitted on the call that he can not explain the {$270.00} in fees and confirmed that prior validation attempts did not include a breakdown, the company is attempting to collect an unauthorized and unverified amount. ADDITIONALLY, THEY ARE REPORTING AN ACCOUNT THAT THEY HAVE NO DOCUMENTATION ON WHEN THE LAST PAYMENT WAS MADE! Be advised that Jefferson Capital Systems , LLC has been formally notified of the significant billing discrepancies and the lack of legal itemization regarding the alleged {$270.00} in fees. If Jefferson Capital Systems attempts to sell, transfer, or assign this inaccurate and unverified account to any third party while this dispute is pending, I will pursue further legal action for willful non-compliance. I will hold your company strictly accountable for every individual violation under the FCRA and FDCPA if this unverified data is propagated further and NOT DELETED IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am a Chime bank customer. On the evening of XX/XX/year>, my cell phone was stolen. The thieves used my XXXX app to deplete my Chime accounts overnight on XXXX. {$300.00} total, gone. As soon as I found out, I contacted Chime and filed a dispute, trying to recover at least some of the funds. The dispute was denied based on " they found the transaction to be authorized ''. Which amounted to calling me a liar. I can prove the transactions were not authorized, and other things that have happened since that transaction support the fact the transactions were unauthorized. So I'm now coming to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: NRA Group, LLC
State: FL

Complaint narrative:
Emailed requested contact days and times 3 times, replying to their unwarranted emails. XX/XX/year> XXXX, XX/XX/year> XXXX and XX/XX/year> XXXX. They keep emailing, followed by an untracable phone call I can only assume is this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Venmo permanently limited my account and is holding {$1700.00} of my money for up to 180 days. I rely on this money for basic living expenses including food and bills. I was not given a clear explanation of what user agreement violation occurred, and I am requesting an immediate review and release of my funds. Holding my personal funds for 180 days is causing financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: IL

Complaint narrative:
I am disputing XXXX charges of {$2500.00} each from XXXX that appeared on my credit card statement on or around XX/XX/year> and XX/XX/year>, totaling {$5000.00}. I did not authorize these transactions and did not receive any goods or services from this merchant. I only recently became aware of these charges and promptly contacted Capital One to dispute them. Capital One investigated and denied my claim, stating that the charges were valid based on account activity and the time elapsed since the transactions. However, Capital One did not provide any evidence that I authorized these transactions, such as account access records, IP address, purchase confirmation, or any verification tied to me. I requested proof of authorization and additional details about the transactions, but this information was not provided. I am requesting that Capital One reinvestigate this matter and provide documentation demonstrating that I authorized these charges. In the absence of such proof, these transactions should not be considered valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Nelnet, Inc.
State: LA

Complaint narrative:
I was never notified when the my loans were sold to another company. Now on my credit report it shows late payments. The loan is current but says I was behind on payments when Im under a repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Uprova Credit, LLC
State: IA

Complaint narrative:
I recently took out a loan for {$2400.00}. I needed help paying another loan and some bills. I found out that they charge around 600 % interest rates and that I would need to repay around {$7200.00}. I also found out that in Illinois, it is illegal to charge more that 36 % interest rates on a loan, no matter where the loan lender is located. I am all for paying the loan back but I would like lower interest rates.

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 2026-04-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
In late XXXX deposited {$15000.00} from XXXX XXXX XXXX to USAA XXXX and was sent a note telling me the funds were available. I transferred the funds to another non-USAA money market account and was told 2 days later and then told by USAA NSF on the account. Record of calls : USAA banking issue XXXX XX/XX/year>XXXX XXXX ; Set up automatic transfers Account activity Download Activity Report XX/XX/year>XXXX Transfer XX/XX/year>XXXX Transfer Reversal XX/XX/year>XXXX Transfer XX/XX/year>XXXX Transfer From USAA XXXX + {$15000.00} {$15000.00} To USAA XXXX - {$15000.00} {$25.00} From USAA XXXX + {$15000.00} {$15000.00} From USAA XXXX + {$25.00} {$25.00} - XXXX XXXX XXXXXXXX, acted like he could not hear me- XXXX XXXX youre not allowed give employee number, Had no answer. Said funds were in the account - XXXX put me on hold Found on USAA website : There have been no declined transactions in the last 7 days. - XXXX XXXX XXXX Executive Resolution The system had the expectation that the funds were available. There is no resolution. - XXXX, XXXX XXXX put me on hold again. - XXXX No discrepancies were found The NSF will not be reported to any agency although it was reported to me. There will be no communication to me of any resolution. The NSF record will stay on my USAA account for 6 months There is no way to email USAA. USAA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX does not have a supervisor XXXX has a Manager named XXXX that will not speak to members. - XXXX calling another Agent for USAA XXXX XXXX - XXXX Put me on hold - XXXX XXXX XXXX XXXX He will call me back if we are disconnected, sounded helpful XXXX Is overdraft protection in place for this account? XXXX XXXX - XXXX XXXX XXXX x XXXX Will send me an email I answered all her questions Would not answer any of my questions. Said there is no email address to USAA. Hung up on me. - XXXX XXXX XXXX XXXX XXXX Answered all questions, put on hold Supervisor XXXX cant share last name extension cant be shared, he will call me within 48 hours CEO XXXX no information can be shared XXXX XXXX - XXXX Never said shed call back

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 2026-04-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
This started on XX/XX/XXXX, I received a text stating that someone was trying to use my credit card in XXXX Florida did I agree to this I said no they sent back okay nothing else is needed somebody will call about this, which they did, and I gave codes like I always give when they call they always need a code. I gave him the code evidently this was to get into my account. I received a text about other transfers on XX/XX/XXXX, which i said i did no initiate. I have sent in to get this appealed but they still are denying it it's for over {$19000.00}. Then I got another text about a wire transfer I told them I did not authorize it. I have filed police reports I have filed identity theft reports I just don't know what else to do.

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 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: MI

Complaint narrative:
Lack of Standing Velocity must prove they legally own your debt. This requires producing a Chain of assignments, from the original creditor to them, velocity investment did not validate the debt they had taken me to court for the debt, but the copies I received were all blank hard to read,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
Coinbase has blocked my account so that I can't transfer or send XXXX, XXXX or XXXX. This has been going on since XXXX of XXXX. I have written them and called them many time and although the case gets escalated they will not allow me to make any transfers except to my own bank account ( which required me to sell and incurring tax consequences ). I've written, called, escalated, completed a survey on what I want the money for and nothing get resolution. Formal Complaint Case Number : # XXXX Standard Support Case Number : # XXXX My account is worth ~ {$55000.00} Please help me. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
As of Friday XX/XX/year>, my account has been blocked from use due to potential fraud. Friday late morning I was able to get it unlocked for approximately 5 minutes before it was blocked again. Since then, I have answered all questions and verified everything as me and they still refuse to give me access to my funds. I have explained to everyone Ive spoken with that I am in dyer need of my funds this week, but nobody will help or put me in contact with someone that can help resolve this matter.

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 2026-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
In XXXX, I entered into a lease agreement for a bed frame. Shortly after, I requested that the company pick up the merchandise, but they never did. I no longer have the item, and the company failed to retrieve it after my request. Recently, I have been contacted by a third party claiming I owe over {$2000.00}, which includes excessive fees and interest. The caller refused to properly identify their company and would not provide any written documentation or proof of the debt. They pressured me to make a payment immediately and threatened legal action. I have requested a copy of the signed agreement and a full breakdown of charges, but this has not been provided. I believe this debt is being handled improperly and the amount being collected is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally XXXX down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: SC

Complaint narrative:
Please see attached leged debt. Failing that, the items must be deleted from the report as soon as possible.

Company response to consumer: Closed with explanation