vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Credit Management , Inc . Attn : Consumer Relations / Credit Reporting Department XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Cease and Desist / Dispute of Alleged Debt To Whom It May Concern, I am writing regarding the above-referenced account currently being reported on my consumer credit reports. I formally dispute the validity and accuracy of this alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I request that you provide full validation of this debt, including : The name and address of the original creditor The original account number A complete accounting of the alleged balance Documentation bearing my signature showing I agreed to assume this debt Proof that your company has legal authority to collect on this account. Until such validation is provided, I demand that all collection activity cease immediately. Additionally, if you can not provide competent evidence that this debt is accurate, complete, and legally enforceable, I request that the account be removed from all consumer reporting agencies to which you have furnished information, including : XXXX XXXX XXXX Please also note the following : I request that all future communication be conducted in writing only. Telephone calls to me, my family, employer, or associates are hereby revoked and prohibited. Reporting information known to be inaccurate or unverifiable may constitute violations of the FCRA and FDCPA. If this account can not be properly validated within the time permitted by law, I expect immediate deletion of all related tradelines and written confirmation that the account has been closed and removed from my credit file. This letter is not an acknowledgment of liability, nor is it permission to restart any statute of limitations. Thank you for your prompt attention to this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
Cash app tried to tell me that I violated their policy and closed down my account. I have requested multiple times the transaction that I did that violated their policies and they refused to give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: TX

Complaint narrative:
A collection agency has officially reported a past-due debt that -I dont have no knowledge of of to XXXX XXXX and XXXX. - they re-age the account -the account display different date of the account opening date on the all different bureaus meaning its inaccurate Collection Agency : XXXX XXXX Amount Owed : {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CHARLES SCHWAB CORPORATION, THE
State: MI

Complaint narrative:
Back in XXXX, between the months of XXXX and XXXX there were several attempts of ACH payments from Charles Schwab to XXXX XXXX companies in the amount {$3600.00} that were sent from my bank account, but were never received by XXXX XXXX companies. Some of this was resolved back in XXXX, but there is still some ACH payments that have not been recovered. Charles Schwab is claiming that this case is closed, but I still have yet to receive the funds from the banks errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Hello the company I am referring to is Bank of America. I informed Bank of America that my phone was stolen and that fraudulent activity was happening on my account. Bank of America put in the claims XXXX XXXX XXXX it is now XX/XX/year>. I had multiple complaints about my account. Now they have took {$3500.00} from saying someone recalled my money and this is my first time hearing of this as I have had about 45 calls to their customer service account .. my rent is due and because of Bank of America I can not pay my bills.

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 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I originally open up a dispute regarding unauthorized transactions in XXXX of XXXX It was originally denied prematurely and I made a complaint with CFPB then I was assigned a Bank of America advocate I was issued a temporary credit on XX/XX/XXXX of XXXX and as of XX/XX/XXXX that credit has became permanent The total amount of the dispute was for {$2200.00} However the credit that was issued to me that has now been can't permanent was only for {$1.00}, 506. Regarding that balance I haven't heard anything regarding that amount. I've tried for the past XXXX weeks to reach the Bank of America advocate That was assigned to me with no success I have left multiple messages no return call back I'm just blankly being ignored. This is in regards to my checking account and then XXXX

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 monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT

Complaint narrative:
I am writing regarding restrictions that were placed on my XXXX lease account following my XXXX XXXX bankruptcy filing. My vehicle lease/account was NOT included in the bankruptcy and remains current and active. I have always made my payments on time and continue to do so. Despite this, I no longer have access to standard online payment options and am being directed to make payments through methods that either delay processing or require additional fees. Currently, the only immediate payment method available to me is the automated phone system, which charges a {$3.00} convenience fee for every payment. I have been told I may use bank XXXX however that method does not provide the immediate posting and confirmation I previously received through the online portal. I am requesting clarification as to : Why my online payment access was removed despite the vehicle not being included in the bankruptcy ; Whether this restriction can be removed ; And whether a no-fee immediate payment option is available. As a customer who has consistently remained current on payments, I would appreciate equal access to standard payment methods available to other customers. Please review this matter and respond accordingly. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2026-05-21 00:00:00
Product: Vehicle loan or lease — Loan
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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This is for a vehicle that is currently still being financed. I am in a little bit of a situation. I just moved to XXXX from XXXX and have been trying to register my vehicle in XXXX for the past 4 weeks now. In order to start the registration process, I needed to switch my auto insurance to XXXX as well as getting a XXXX Drivers license. I did this and they also needed to retrieve my title in order to transfer the title to PA. Since my vehicle is financed, they had to request it from my bank, Wells Fargo, who stated it will take 13-14 weeks for them to complete the process since I have an electronic title and it needs to be printed. The problem I am having now is my XXXX registration is set to expire in XXXX. I was going to try and avoid driving all the way back down to XXXX to renew, however after exhausting all other options, there was no choice but to do this. I contacted the XXXX XXXX and they stated I can not renew my registration as I no longer have a Georgia drivers license and XXXX insurance. All parties, including the XXXX XXXX, XXXX XXXX, and my bank, are all pointing fingers at each other and I am not sure what to do from this point on. I need to be able to drive to and from work, however if my registration expires, that is no longer a viable option as I most likely will get a citation if I am to be pulled over. I have contacted Wells Fargo numerous times to try and expedite this process, however they keep giving me the same line that it is going to take 13-14 weeks to handle, which the XXXX found as a ridiculous amount of time, as they stated most transfers take no longer than 3 to 4 weeks. My registration is going to expire due to no fault of my own, and is purely due to the amount of time Wells Fargo is taking to handle this process. This may risk my employment as I will no longer be able to legally drive to and from work, causing a financial struggle. Neither states are willing to issue a temporary registration/plate due to the situation. I have tried all other options, and this was a last resort. I'm not sure what you can do, if any, however I need to be able to get my vehicle registered in XXXX very soon. I am unable to comply with state law of registering my vehicle due to Wells Fargo 's inability to process this in a timely manner.

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 non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
I want full reimbursement of the deposit that was placed into an account on chime under my. Name before the closure I requested a dispute of the transfer and no information was provided other than just closing the account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT

Complaint narrative:
I am disputing Mazda Financial Services continued reporting of my account as settled for less than full balance. Your response omitted XXXX key facts : XXXX ) The account was referred to collections before the lease-end balance was contractually due. I have documentation confirming this. XXXX ) The collection letter stated : The creditor will accept {$740.00} to resolve your account if payment is received by XX/XX/year>. I made that payment on XX/XX/year>, in accordance with the settlement terms. Despite timely compliance with the settlement offer, Mazda reported the account as settled for less than full balance, causing a drop of more than XXXX points to my credit score. Additionally, after receiving Mazdas latest response, I contacted Mazda directly and paid the remaining {$310.00} balance referenced in your letter. There is now no outstanding balance owed. Given : -the premature referral to collections, -the written settlement language stating the account would be resolved, and -the account now being paid in full, I request that Mazda : XXXX XXXX remove the settled for less than full balance notation, XXXX ) correct any derogatory reporting associated with this account, and XXXX ) provide written confirmation of the updates being sent to the credit bureaus. If Mazda declines to correct the reporting, please provide the date the balance became due, the date the account was referred to collections, and the basis for continuing to report the account as settled for less than full balance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: MA

Complaint narrative:
On XX/XX/XXXX, Chime and its partner institution XXXX Bank, XXXX. unlawfully enforced a third-party administrative hold/freeze on my secured credit card account and secured deposit account, immediately following a direct deposit of public assistance funds from the Massachusetts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This hold was executed on behalf of a third-party debt collector ( XXXX XXXX XXXX XXXX XXXX regarding a legacy XXXX civil judgment. Under Massachusetts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX public assistance benefits are completely exempt from execution, attachment, levy, or garnishment. At XXXX XXXX on XX/XX/XXXX, I formally served Chime and its compliance desks with an official Massachusetts XXXX Certification Letter confirming that 100 % of the frozen funds are protected government benefits. Despite receiving conclusive, official government documentation of statutory exemption, Chime/XXXX Bank continues XXXX actively withhold my subsistence capital. By prioritizing an unverified third-party debt collection order over explicit state and federal consumer protection laws, the institution is engaged in an unfair, deceptive, and abusive practice ( UDAAP ) and the illegal conversion of protected public benefits, causing severe and immediate financial endangerment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am submitting this complaint regarding Chases handling of a billing dispute related to a jewelry purchase made with my Chase credit card from merchant XXXX XXXX XXXX in XXXX, XXXX on XX/XX/year>, in the amount of approximately {$3900.00}. At the time of purchase, the authenticity and natural origin of the ruby stones was the primary and decisive factor influencing my decision to purchase the jewelry. Because this was critically important to me, I specifically asked the sales consultant multiple times during the transaction whether the stones were natural rubies. I was verbally assured by the consultant that the rubies were natural. I reasonably relied on these repeated verbal representations when making the purchase and would not have proceeded with the transaction had I understood that the stones were synthetic ( laboratory-created ). After the purchase, I later discovered that the accompanying documentation identified the stones as synthetic rubies/corundum. I subsequently obtained an independent gemological examination confirming that the stones are synthetic ( laboratory-created ) and not natural rubies. After discovering this discrepancy, I attempted to resolve the issue directly with the merchant by requesting a return/refund. The merchant refused to accept the return or provide a refund. I then filed a billing dispute with Chase and submitted supporting documentation, including receipts, translated documents, and additional evidence. Chase initially issued a temporary credit but later reversed it and denied the dispute. I later obtained additional independent expert evidence and attempted to provide this information to Chase for reconsideration of the dispute. However, I was informed that the timeline for the dispute had expired and that Chase could no longer assist with the matter. I believe Chase failed to properly review and consider the supporting documentation and independent expert evidence demonstrating that the product was materially misrepresented during the sales process. I respectfully request that Chase reopen and reinvestigate this dispute and fully review all supporting documentation, translations, and independent gemological evidence related to this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian locked my account and I been calling and sending emails to update my phone number because the number that I have on record I no longer have that number anymore and they keep telling me the same thing over and over and over every time that I try to login my account is just saying Im logged out because too many attempts when I know I didnt even login from the first time and this account is linked to my XXXX and to help boost up my credit score

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 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: MI

Complaint narrative:
Starting XX/XX/year> Jefferson capital would call yelling my name and scaring me. My XXXX would instantly start beating fast, I would think something is wrong with my kids or something happened. Then I would say yes and they say do you still live on XXXX XXXX. I was like XXXX XXXX what are you talking about. Is your birthday XXXX XXXX yes it is who is this. Why you haven't paid your XXXXXXXX XXXX XXXX bill. I respond who is this. XXXX this is not a debt call this is an old bill we just try to see what's going on. We will never add this bill to your credit report it's too old to add to your credit report. We just want to know how are you going to pay the bill. I told them it has been charged for because XXXX XXXX put that on the credit report at the time. XXXX XXXX charge is under XXXX XXXX. The lady argued and yelled. Kept calling me a liar and laughing. Then I hung up and almost everyday since then I've been getting calls. In XXXX they placed this to all three of my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: DC

Complaint narrative:
I am writing to formally dispute an account and report fraudulent activity regarding an apartment rental that has been opened in my name without my consent during the XXXX pandemic. It has come to my attention that an individual has unlawfully used my personal information to secure a lease for an apartment, resulting in a negative impact on my credit report. I have never authorized or engaged in any rental agreement for the listed property, and I am alarmed to find this information associated with my credit profile.I request that you investigate this matter promptly and take the necessary steps to remove any related accounts or derogatory marks from my credit report. I have enclosed relevant documentation to support my claim, including copies of my identification, proof of residency, and any communication regarding the disputed account.The company has submitted documentation but nothing as confirming my identification which could link like my social. Which I think would clear the situation up .This fraudulent activity is a serious matter, and I urge you to take swift action to rectify this issue. Please keep me informed of the progress of your investigation. Thank you for your prompt attention to this matter. I have attached a copy of photo ID along with my social security number card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: KY

Complaint narrative:
XX/XX/XXXX I got a title loan from this company. I did not realize the obscene interest rate of 119.4 % at the time. I was loaned {$3300.00} cash and to date, I have repaid {$3600.00} and still have a payoff of {$4300.00}. I am XXXX and my only income is Social Security XXXX. I have a XXXX XXXX XXXX and do not completely understand or comprehend. I am asking for some type of negotiating help with this situation. This loan is on my only vehicle- a XXXX XXXX XXXX with XXXX.

Company response to consumer: Closed with explanation