vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LDF Holdings, LLC
State: IN

Complaint narrative:
I started recieving vm messages about a month ago about a loan. I never responded or called back and reported them as spam because I thought they were and ignored them. on XX/XX/year> i got a message from XXXX XXXX from XXXX offering a 10 % dicound off my total remaining loan balance.log into your account portal to explore available repayment options or pay off remaining balance ... and so on. mesg is saved on my phone. so i got worried and i looked up the company and called them back. the rep immediatley wnts the last 4 of my social and dob. i refused, I dont know who they are, and tried to tell her I think you have the wrong #. I don't have any loans or business with you guys whatsoever. never heard of you. she said my full name? im sorry excuse me what? she refused to gv me details and says to log in their portal with my email and lst 4 ssn. I went to their main website and tried to log on w/ my email and lst 4 social. no record of either one. okay whew it's a scam? I tried the call the " main # on their website.and got same runaround. I filed a complaint w/ XXXX and their compliance dept says they have to verify my info for security purposes. i understand that but i never heard of them? i have no loans unless someone got one in my name so that would be fraud? same day, My bank account was emptied of over XXXX in debt charges in person in diff states wiping my account out? I at first freaked thinking it's related but I dont know. realizing my info has been compromised, I think someone obtained a loan in my name. when I asked them to send me proof of this debt my mail they refused! so here i am filing a complaint with cfpb and also FTC and a policy report has been filed under XXXX police department XXXX In. case # 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 2026-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Bright Capital Inc
State: FL

Complaint narrative:
On XX/XX/year>, I was charged a fee of {$97.00} dollars for a annual subscription that I never signed up for or agreed to. So upon being notified by my bank about this transaction. I immediately reached out to the company and made them aware of this. They said that they automatically enrolled me even though I did not sign up for this. I only went on the app to see if I can get a pay day loan but they denied me and I moved on. Today I find out that a fraudulent act was committed in my name and as a result my bank account went into the negative. This company has caused me financial hardship and I would like my money back asap. They told me to click on a link that they provided but it did not work. The representative was not able to help me and she stated that she would pass on the information. This has to be illegal to sign me up to a subscription that I never asked for or agreed to. The money they took was for my car payment and now I have to get an extension from the company in hopes that it won't cause more hardship. The companu Bright Money is practicing deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
After speaking with XXXX XXXX ( manager of the executive customer relations department. Was informed that previous two extensions would be accepted to 60 days of extension however they will be dated for today, XX/XX/year>. And after it was process, they would go back and modify the date to the original acceptance date applicable to the XX/XX/year> payment. Having concerns because the extension agreement states alterations are not honored if I could get that statement in writing. I was denied that. I requested a callback from my higher leadership individual to discuss past incidents to include discrimination and fraudulent activity that resulted in excessive fees. And I was told no that would not be allowed because XXXX XXXX did not want to do so. This stems from my ongoing issue going back to XXXX XXXX. The company has been performing question activities, deferring calls by transferring to non-relative departments or department, stating it should be with another department called them, receiving threatening phone, all after the company was informed the vehicle will be paid off in full six years ahead of the maturity date. Due to manufacturer defects that resulted in a repurchase under the lemon law.Thus, resulting in the company losing finance profit.

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 2026-05-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I opened an account with Comenity Bank for an XXXX XXXX XXXX credit card. I used it once, received the bill and mailed the check a couples of days after receiving the bill. I then received another bill stating that I had a late fee. I know that I mailed it in plenty time for it to arrive by the due date. This was my first transaction with this company. They then started calling me everyday and when I would speak with them, they would not forgive the late fee. They kept increasing the late fee every month. This has been going on for over a year, and now has affected my credit score. I feel this is unfair for many reasons- this was my first payment with this company, I mailed it on time, and when they reached out and I spoke with them I tried explaining myself several times. If they looked at my credit history, they would know that I always make payments on time. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rosebud Economic Development Corporation
State: TX

Complaint narrative:
I am formally disputing the accuracy, validity, and reporting of the above-referenced collection account associated with ZocaLoans / Rosebud Lending LZO . The original loan amount was approximately {$800.00}. However, the account is currently reporting a balance exceeding {$5000.00}. I request a complete accounting and validation of the balance being reported, including an itemized breakdown of all interest, fees, penalties, charges, and calculations used to arrive at the reported amount. The original agreement reflects an APR of approximately 771.77 %, which raises concerns regarding the legality and enforceability of the balance being reported and collected. I further dispute whether the amount being furnished to consumer reporting agencies accurately reflects a lawful and verifiable debt obligation. Additionally, the reported dates appear inconsistent across consumer reporting agencies. My understanding is that the date of first delinquency was XX/XX/year>. However, different estimated removal dates are being reported by different bureaus. I am concerned that the account may be inaccurately reported or improperly re-aged in violation of the Fair Credit Reporting Act ( FCRA ). This account also appears to be beyond the applicable statute of limitations for legal enforcement in the State of Texas. While I understand that time-barred debts may still be reported within the federal reporting period, I request confirmation that the account is not being misrepresented in any manner that could mislead consumers regarding legal enforceability. Pursuant to the Fair Credit Reporting Act and other applicable consumer protection laws, I request the following : 1. Verification of the original date of first delinquency 2. Verification and itemization of the current balance 3. Documentation showing the legal authority to collect and furnish this debt 4. Investigation of any inaccurate, inconsistent, misleading, or incomplete reporting 5. Correction or deletion of any information that can not be verified as accurate Please conduct a reasonable investigation into this matter and provide written results of your findings.

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 2026-05-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I purchased a vehicle on XX/XX/XXXX, and financed it through a company associated with Westlake Portfolio Management. I made regular payments on the account. According to the companys records, my last payment date is listed as XX/XX/XXXX. However, I was never notified in writing that my account was charged off. After that date, I continued receiving emails, repeated phone calls, and a repossession notice. Payments continued to be withdrawn from my account through XX/XX/XXXX. In addition, I was charged over {$2300.00} in extra fees, including towing and taxes, without clear explanation or proper documentation. Despite making payments, I have not received my vehicle title, and more than three months have passed. The company has not provided a full accounting of my payments or explained why money was taken after the account was supposedly closed. I attempted to resolve this issue directly by requesting account information, payment history, and clarification of charges, but the company has not properly addressed my concerns. I believe I have been overcharged and subjected to improper collection practices. I am requesting a full accounting of my account, a refund of any overpayments or unauthorized charges, and the immediate release of my vehicle title.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MS

Complaint narrative:
COMPLAINT AGAINST CHIME FINANCIAL, INC. To the Consumer Financial Protection Bureau : I am filing a formal complaint against Chime regarding their blatant violation of the Electronic Fund Transfer Act ( Regulation E ) concerning unauthorized transactions and their failure to issue mandatory provisional credit. On XX/XX/year>, I filed Dispute # XXXX for five unauthorized charges totaling {$75.00} from the merchant " XXXX ''. The merchant attempted to process these charges using the credentials of a newly issued debit card that had not yet been created or activated. It is physically impossible for me to have authorized this. Chime has already investigated and approved an identical set of fraudulent charges from this exact merchant on XX/XX/XXXX ( Dispute # XXXX ). Instead of resolving the second dispute, Chime 's automated fraud system locked my account due to multi-device access ( triggered because I lost my primary phone and had to use alternative devices ). It has now been 30 calendar days since I filed Dispute # XXXX. A Chime supervisor informed me today that the investigation is being extended to XX/XX/year>. However, Chime has outright refused to issue the legally required provisional credit for the disputed amount, missing the 10-business-day deadline mandated by Regulation E. The funds Chime is illegally withholding are directly tied to my monthly SSI benefits. I am a legally XXXX individual relying on protected federal income. Chime is holding my money XXXX due to an internal algorithmic error that a supervisor has already verbally acknowledged, while actively violating federal provisional credit timelines. I demand the immediate manual override of this algorithmic freeze and the permanent crediting of {$75.00} to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The account history contains a status entry that does not correspond with the verified payment records.

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 2026-05-29 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: WA

Complaint narrative:
In XX/XX/year> I purchased three tickets to XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX, Washington on XX/XX/year> through XXXX for {$510.00}. I never received the ticket transfer email from the third party platform the merchant used for delivery. I searched my inbox, spam, junk, and deleted folders thoroughly as instructed. I contacted XXXX multiple times asking for help locating the transfer link and received no adequate assistance. I was forced to purchase three replacement tickets through a different provider in order to attend the event. I filed a dispute with XXXX XXXX ( Case Number XXXX ). My claim was initially validated. XXXX then reversed their decision after the merchant claimed the tickets were delivered. I resubmitted the dispute with the following new evidence : the merchant 's own written response dated XX/XX/year> admitting they can not troubleshoot third party transfer platform issues ; confirmation from XXXX XXXX XXXX that the three seats associated with my order were never scanned at the XX/XX/XXXX performance ; replacement ticket purchase receipts ; and complete email documentation of my repeated attempts to access the tickets and the merchant 's failure to assist me. XXXX responded that they were unable to change the outcome with no explanation of how the new evidence was evaluated. Sending tickets through a third party system I could not access, then admitting in writing they can not help when that system fails, does not constitute delivery. The tickets were confirmed unused by the venue itself. XXXX has failed to conduct a reasonable investigation of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RMS-Recovery Management Services, Inc.
State: NE

Complaint narrative:
I had a statement from XXXX XXXX university that was about unpaid tuition. XXXX XXXX university does not do auto payments and I defaulted on those. I was contacted by RMS debt collection through a letter about needing to set up a payment plan. I set up a payment plan then went through unforeseen financial hardship. RMS reached out and tried to settle with me but I was unsure about what I could pay at the moment. I called back when I had gotten a better idea about what I could pay and then RMS told me they do not settle. There was no reasoning explained as to why that suddenly changed. From what I understood they had bought the debt and then suddenly that was not true. I just recently gained employment back and now they are suggesting payment plans that is unaffordable and then threatening other legal action if I do not comply. They refuse to put any of these offered payment plans in writing or email because the company does not do that.

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 2026-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WI

Complaint narrative:
On XX/XX/XXXX a payment of {$19000.00} was sent to Mohela to pay off a student loan. Mohela received the payment and applied it to the wrong account. I contacted them on XX/XX/XXXX to ask for this payment to be reapplied to the correct account. They responded and said the reapplication request was submitted. I contacted them on XX/XX/XXXX again asking for this to be fixed. They responded saying their recorded indicate the request was already in. On XX/XX/XXXX I again contacted them and asked for this to be fixed. They responded that a request has been submitted to review my account. On XX/XX/XXXX I contacted them again to request this be fixed and they responded I needed to allow a minimum of 90 business days for this task to be processed. I again contacted them on XX/XX/XXXX to request this be fixed. They responded that a request was submitted to manually review my account and that I am 41 days delinquent on my account. On XX/XX/XXXX I reached out to mohela customer advocacy team with dates and all communication included. They responded on XX/XX/XXXX that they received my request and are working diligently to process this. They were sent {$19000.00} and payoff at that time was {$18000.00}, an overpayment of {$1000.00} that should have been returned to me. Since that time I have incurred more charges and late fees and collection calls and hits to my credit.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I need to be able to send 1 person XXXX at one time once a month thru XXXX. I called and spoke to XXXX who is NOT a supervisor and I asked for a supervisor he refused to allow me to speak to a supervisor. The rep said its XXXX that I do not have a relationship with that person and I do for 2yrs. The team lead said its wells fargo I can send other people XXXX at a time.

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 2026-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MI

Complaint narrative:
In XXXX sent a XXXX by mail never heard anything back. I disputed online also and they said I didn't agree and disputed on my credit report and that was it. They never said or did anything else.

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 2026-05-29 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: Chime Financial Inc
State: MO

Complaint narrative:
I disputed two charges totaling {$230.00} from XXXX through Chime. I did not receive a medical consultation, prescription, medication, or any other XXXX XXXX related to these charges. I contacted XXXX multiple times by phone and email requesting a refund, proof of services rendered, and clarification regarding the charges. XXXX initially stated my refund request had been escalated and that I would receive a response within 24-48 hours. Despite multiple follow-up emails, no meaningful resolution was provided. I filed a dispute with Chime. Chime denied the dispute and later reaffirmed its decision through a XXXX response. Chime stated that no error occurred but did not provide the evidence used to support that conclusion. I specifically requested documentation showing any consultation, prescription issuance, medication shipment, subscription authorization, and the evidence provided by the merchant. This information has not been provided. XXXX later sent an email stating medications are still owed to me and requested that I complete a refill form so medications can be shipped. This appears inconsistent with the position that services or products had already been provided when the charges were assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: Alorica Inc.
State: CA

Complaint narrative:
I have been unable to make payments on my account due to technical errors on XXXX XXXX XXXX XXXX ' payment portal. Both the ACH automatic payment enrollment and the one-time debit card payment options return errors, making it impossible to submit payment through their website. On XX/XX/year>, I contacted the company via email documenting both errors and requested they be resolved. I also requested removal of any negative credit reporting resulting from payment delays caused by their system failures. The company responded twice with an identical form letter stating they do not discuss account information via the internet and directing me to call. They did not acknowledge the technical errors, did not offer any resolution, and refused to communicate in writing. Their system errors are preventing payment. Any late fees charged or negative credit bureau reporting during this period is a result of their platform 's failure to accept payment, not a failure to pay on my part. I am requesting that the errors be fixed, any late fees be waived, and any negative credit reporting tied to this period be removed.

Company response to consumer: Closed with explanation