vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services
State: MA

Complaint narrative:
As reflected in the documentation, the repurchase review was initiated through XXXX and approved through your office ( by XXXX XXXX who will be referred to as XXXX in all the subsequent documentation prior to the matter being transferred to XXXX following the filing of the XXXX demand. That approval would have required a review of the account structure, including whether the vehicle was financed or leased. Later in the process, XXXX reached out directly to you XXXX requesting that you please advise, noting that my attorney had been unable to obtain the vehicle title. At that stage the issue being raised involved the title and the status of the account. Based on the documentation, communications from Mercedes-Benz Financial Services indicated that no payoff amount was included because the account had been stated as paid off. Following those communications, the process shifted to requesting the vehicle title and the file was ultimately closed based on the inability to produce that title. Because the vehicle was a lease, I am attempting to understand why the process continued with requests for the title from the consumer and why the file was ultimately closed on that basis after XXXX requested guidance from your office. My request is simply for clarification regarding whether the file was reviewed at the time XXXX asked you to advise and what guidance, if any, was provided in response to that request. As this portion of the timeline directly involved your office, Mercedes-Benz Financial Services would not be in a position to clarify that sequence of events. If this request requires legal review, please feel free to forward it accordingly. Otherwise, I would appreciate any clarification you are able to provide so the record accurately reflects the sequence of events. Thank you for your time. XXXX XXXX Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/year>XXXX Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX Re : Request for Debt Validation To Whom It May Concern, I am writing in response to your communication regarding an alleged debt you claim I owe. I am requesting validation of this debt as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following information : 1. The name and address of the original creditor. 2. The full amount of the alleged debt, including an itemizati on of any interest, fees, or additional charges. 3. Copies of any documentation showing that I agreed to this debt. 4. Proof that your company is legally authorized to collect this debt. 5. A copy of the original signed contract or agreement related to the alleged debt. Until you provide proper validation of this debt, I request that all collection activities cease. Additionally, please refrain from reporting this account to any credit reporting agencies until the debt has been properly validated. If you can not validate this debt, please confirm in writing that the account has been closed and that any negative credit reporting has been removed. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
They are saying that my account is being frozen because of fraudulent activity. Wouldn't give me any specific information. I found this out only when my employees tried to cash their checks.

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 2026-03-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
I am reopening my complaint ( CFPB ID XXXX ) for the third time. Every previous response from the company has been generic copy-paste replies, ignoring my documentation. I submitted all prior and new evidence two weeks ago ( twice ), but the company has not responded or resolved the dispute with me first. I do not want repeated attachments or copy-paste responses. The company has : Reported my account to credit bureaus prematurely ( violating the FCRA ). Attempted fraudulent charges. Ignored multiple requests for written resolution. Refused to resolve the dispute directly with me, despite all evidence submitted. I request CFPB assistance to ensure the company : Reviews all evidence I submitted. Responds in writing with a full resolution plan. Removes any credit reporting until the dispute is fully resolved. Stops all illegal charges immediately. Communicates directly with me before any further credit reporting. Does not send copy-paste responses or repeat attachments. I request urgent CFPB action to stop repeated abuse, enforce proper resolution, and prevent further harm to my credit. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a letter to yank court XXXX Georgia to verify if they reported my bankruptcy to the credit bureau and they sent back that they did not send any information to the credit bureau on XX/XX/. I sent the information to all credit bureau and only XXXX deleted the information from my credit report, but when I sent it to equifax and experian, they said they verified and said it will not be deleted, please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent a letter to yank court XXXX Georgia to verify if they reported my bankruptcy to the credit bureau and they sent back that they did not send any information to the credit bureau on XX/XX/. I sent the information to all credit bureau and only XXXX deleted the information from my credit report, but when I sent it to equifax and experian, they said they verified and said it will not be deleted, please see attached.

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 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am filing this complaint regarding XXXX fraudulent accounts opened in my name without my knowledge or authorization. I have already filed an FTC Identity Theft Report ( FTC Report # XXXX, dated XX/XX/XXXX ) and am requesting immediate action under the Fair Credit Reporting Act ( FCRA ) Section 605B, which requires credit bureaus to block fraudulent information resulting from identity theft. The XXXX fraudulent accounts are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX | Fraudulent amount : {$4500.00} XXXX. Portfolio Recovery Associates XXXX XXXX XXXX Bank Account # XXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX | Fraudulent amount : {$1200.00} I did not open, authorize, or have any knowledge of these accounts. I did not authorize any charges associated with them. These accounts are the result of identity theft and must be blocked and removed from my credit report immediately per FCRA Section 605B. Despite submitting my FTC Identity Theft Report, these fraudulent items have not been removed. I am requesting that the CFPB intervene and require the relevant creditors and credit reporting agencies to : Immediately block and remove both fraudulent accounts from all credit reports Cease all collection activity related to these accounts Confirm in writing that these items have been removed I am prepared to provide my FTC Identity Theft Report and any additional documentation upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing in response to a notice I received regarding an alleged debt. I am requesting validation of this debt as provided for under the Fair Debt Collection Practices Act. Please provide the following information : The name and address of the original creditor. The account number associated with the alleged debt. The total amount of the debt, including a breakdown of any interest, fees, or charges. Documentation showing that I am legally obligated to pay this debt. Proof that your agency has the legal authority to collect on this debt. Until you provide the requested validation, I request that you cease all collection activities related to this matter. If you can not provide adequate validation, please confirm in writing that this account has been closed and removed from any credit reporting agencies. Thank you for your cooperation. Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I applied for a remote job through the website XXXX which is similar to indeed. The job posting was for a company called XXXX. After that application, I was contacted via text message because I had provided my phone number on the application which was about a week later they had reached out to me. The person contacted me had told me to communicate through XXXX teams for the interview and the hiring process during these conversations, I was offered a remote position with the company, which I accepted. XXXX, the company sent me a check for {$3500.00}. From there, the person told me to deposit in my XXXX XXXX account. I was instructed to only deposit through the mobile app. After the deposit, the funds appeared in my account which led me to believe the check was legitimate. Surely after, I was instructed to send XXXX payments for the remote equipment for my position to an individual named XXXX XXXX. On XX/XX/year> I had sent {$2000.00} and {$1400.00} to this person XXXX XXXX this was sent through Zelle. We continue communicating about the position until XXXX XXXX. When my bank notified me that check I had deposit had been returned as a fraudulent. At that point, I realize that I had been a victim of a scam. In total I lost {$6900.00} as a result of this fraudulent job offer. After finding out I was a victim of a scam, I had tried to reach out to the individual that I was communicating with through XXXX teams. This person had stopped responding to me. This person originally identified themselves as XXXX XXXX, later after checking my XXXX team conversations, this person has changed their name to XXXX XXXX. Which raised additional concerns. I contacted my bank, XXXX XXXX to report the situation and request assistance, but I have not been able to recover the funds. Im submitting this complaint because I believe I was targeted through a fraudulent job hosting in a fake check scam, which resulted in significant financial loss. I am low income individual, this had taken a big toll on my financial situation. I also hope this report can help in investigate the matter and prevent others from being a victimized in the same way.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This complaint concerns financing arranged through a contractor for the installation of a replacement HVAC system at our home in XX/XX/year>. At the time we agreed to proceed with the installation, the contractor presented financing through Synchrony and represented that the purchase could be financed on a same as cash basis for an extended period, described to us as approximately 36 months. Based on that representation, we agreed to proceed with the installation and the associated financing. After the system was installed, the financing terms reflected in the account documentation and billing appeared different from what had been represented during the sales process. Following installation, and after a wiring defect required correction, a conference call took place between us, the contractor, and a Synchrony representative to discuss billing and financing. During that call the financing terms were described differently, and we were told paper billing statements could be provided for a fee. Initially we had difficulty receiving paper statements, and late fees and interest charges began appearing on the account while we were attempting to understand the billing and financing structure. Interest has continued to accrue monthly. After this dispute began, Synchrony issued some credits for late fees and interest, which suggests the account charges required adjustment, but the underlying financing terms and account balance remain disputed. The financing representation made at the time of sale appears inconsistent with the financing terms reflected in the account and subsequent billing. This complaint follows CFPB Complaint ID XXXX, which was initially submitted by a family member assisting us but could not proceed because the account holder was not listed. We are requesting that Synchrony review this transaction and : 1 ) Provide documentation showing the financing promotion selected at the time of application 2 ) Provide the disclosures presented prior to electronic signature Identify the promotional financing program applied to the transaction 3 ) Review the account for billing errors associated with paper statement delays and late fees 4 ) Correct the account by removing improperly assessed interest and fees and adjusting the account balance as appropriate if the financing terms presented during the sales process were not accurately reflected

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 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have been a Chase credit card customer for XXXX years. Last week I logged into my account and applied for the chase sapphire preferred card. A few days after I received a denial. Reason for denial you have already received the bonus offer for this card. Thats true. It was XXXX years ago. Thats fine. I wasnt applying solely for another welcome offer. I contacted customer service and informed them I was happy to waive the welcome bonus. I spoke with an underwriter and a supervisor all of which told me there should have been a pop up when I was applying for the card notifying me I had already received a welcome offer for the card and that I needed to select the option at that time to waive my bonus. There was no pop up. To confirm I went through the application again. Still no pop up. No one at Chase was able to over ride the denial. To make matters worse Chase made a hard inquiry on my credit. This is especially frustrating because they should have been able to deny my application immediately based on internal information. My credit score is over XXXX. They have no way to help me receive this card. Neither through the website nor through any supervisor or underwriter. Now I have a hard inquiry on my credit and no new credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
b'The date for this issue/transaction with Square/ Block, INC XXXXXXXX XXXX XXXX XXXX CA XXXX. The payment processing was on XXXX Square requested documentation for a transaction our business had conducted on XXXX for the sale of a XXXX XXXX XXXX XXXX XXXX XXXX accepted a payment from a customer in the amount of XXXX. XXXX XXXX used Square payment processing to take payment for a downpayment on the XXXX XXXX XXXX via Squares payment processing via tap card on Squares payment processing system. Approximately three hours after this transaction we received a notification that square would be holding our $XXXX payment until a bunch of forms of documentation were uploaded/sent to them. We gladly sent the paperwork for transaction of $XXXX which included the complete Bill of Sale and a picture of the customers Arizona State Drivers License. Square then demanded that I send a copy of my current MN ID and a copy of our business license from the state of MN. I provided all said documentation. I was then asked to provide business banking access to Square via a third-party application called XXXX in which I denied as our business was or never have been asked for our business account activity and to provide them with such information. WeXXXX XXXX XXXX XXXX XXXX then proceeded to call Square payment processing and we were placed on the phone with a Square employee by the name of XXXX who told us there was nothing we could besides give him/square our banking/transaction history or Square would deny us our funds from this transaction and HOLD our funds. I explained to Kevin that we would not be providing access to our business bank account via XXXX or copies of any bank statements to square as we do not wish to divulge our financials with Square or any third party unless its based strictly on a square transaction. We were then told Square will hold our funds until they see fit. We then asked to speak to a supervisor about this issue and were denied one and were given a case number #XXXX and said that square would reach out to us by email in the next few days. The transaction/receipt #XXXX with card XXXX XXXX (Contactless)\n$XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX at XXXX XXXXAuth code: XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: OneMain Finance Corporation
State: NJ

Complaint narrative:
am filing this separate, new complaint against OneMain Financial for illegal consumer retaliation. Timeline of Events : On XX/XX/XXXX, I spoke with XXXX XXXX XXXX XXXX ) in the OneMain Executive Office regarding a fee dispute on an active account ( CFPB Case # XXXX ) XX/XX/XXXX. Within 48 hours of that call, OneMain Financial " resurrected '' a 3-year-old dormant personal loan account that had seen no collection activity for years. OneMain sold this dormant debt to a third-party collector. The Violation : This action was taken solely to punish and intimidate me for exercising my right to file a federal complaint. Reviving a dormant debt and selling it immediately after an executive dispute call is a retaliatory " adverse action '' that violates Section 1057 of the CFPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: UPGRADE, INC.
State: VA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I demand this be taken off my account immediately!! As this has been stressful for me and its unacceptable!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XXXX XXXX I purchased a washer and dryer from a man. We met in person with his girlfriend whose cashapp ( XXXX XXXX ) we used. After leaving we were blocked and I realize the appliance didnt work though description says they work well. We were also missing numerous parts of the item that was needed and this info wasnt relayed to me at all. I payed {$180.00} for both appliances via cashapp. I reported the issue to cashapp with documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
My loan was changed after 11 years with XXXX XXXX in late XXXX to XXXX XXXX. I have been making payments to XXXX XXXX since, however I have been unable to access my XXXX XXXX account since making my XXXX payment and the website says NO ACCOUNT Exists. I have been unable to make my XXXX payment and today is XXXX XXXX XXXX in a few days my account will be late for the first time EVER. When I call the XXXX XXXX phone number their automated system prevents me from accessing any information or speaking speaking with any real person. The automated system keeps running me around and NEVER gives me the option of getting through to a customer service representative and instead sends me to someplace called Rocket Mortgage that has an automated system that gives me the same run around with NEVER being able to speak to a representative. If this isn't already illegal it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
Disbursement check was mailed XX/XX/year>, XXXX business days have passed. UWM Loans, my mortgage company stated they have to wait 30 days until they can cancel check and send out another. This is unacceptable.

Company response to consumer: Closed with explanation