vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: CreditSmart Holdings Inc
State: OH

Complaint narrative:
On XX/XX/year>, I received a notification from XXXXXXXX XXXX XXXX XXXXhat `` XXXX XXXX was attempting to charge my debit card and that I should reply to the text if I authorized the charges. I replied that I did not. This is because I did not recognize the company, nor did I authorize this service, because I am going through a credit union-approved not-for-profit financial counseling service. The charge of {$34.00} just appeared on my checking account. I did not contact the company because this is fraud, and I did not want to risk sharing any other contact information with them at this time. My complaint is that they charged my checking account for the amount, and I believe this is fraudulent.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-12 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: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/XXXX XXXX {$1300.00} was transferred from my Chime account as a result of a scam. I was deceived into sending the money under false pretenses. This was not a legitimate transaction. Although I initiated the transfer, it was done under deception and fraud. I did not intend to send money to a scammer, and I would not have authorized the transaction if I had known the truth. I contacted Chime immediately after discovering the fraud. They denied my claim and stated they could not recover the funds, without providing meaningful assistance or a thorough investigation. I believe Chime failed to properly investigate this fraudulent transaction and did not provide adequate consumer protection for a scam-related transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: FL

Complaint narrative:
Subject : Excessive Delay in Federal Borrower Defense Application ( No Resolution ) I am filing a complaint regarding the unreasonable delay in processing my XXXX XXXX XXXX XXXX application submitted to the XXXXXXXX XXXX XXXX XXXX My application ( ID : XXXX ) has been pending for an extended period without a decision, meaningful update, or clear timeline for resolution. Despite submitting a detailed escalation addendum documenting misrepresentation, instructional failure, and financial harm, I have not received any substantive update. Details : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ID : XXXX Submission Date : XX/XX/2024 XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-04-13 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX of XXXX i call Santander and put in an offer to satisfy the account so that the title of the car would be turned over to me. that same day the offer was approved. i then had 10 days to get the funds to them. The XX/XX/XXXX would have been the last day for them to receive it. they received and endorsed check by XXXX on XX/XX/XXXX XXXX they did not say 10 business days/ the 10 days included the weekend. i ask if they were open and processing payments on the weekend and i was told yes so the check was over night 'ed and signed for which i do have proof of. they then told me it would be about XXXX to XXXX weeks to process everything out and it went from that to 30 day and from their it was still processing every time i called... i was told they received it late, which was a lie. i have proof of it. ALL COVERSATION I HAD WITH THEM WAS RECORDED AND I STILL HAVE THEM. they kept noting my account each time i called because every time i called no one knew what i was talking about until they read the notes... i have talked to may supervisors in the bankruptcy department including corporate and i notices the notes kept changing or being erased... they also left the repo on my car after accepting, approving and cashing the check. i had to talk to cooperate to get it taken off... we were being bullied, followed, stalked even to the point that they had use a copy of my key fob to consistently hit the alarm button to disturb my household in late hours of the night and early morning including thanksgiving morning,,, after erasing the updated notes they decided to breach the offer agreement and then noted my account that they want more money ... what they did was lie and then pretended to agree with and approve the offer to get the money and the changed their minds once they chased the check .. till this day i have been waiting on and updated response to my last call i made to them which was in XXXX of XXXX letting them know that i will not be giving more money for the car i still have and that i am sticking to the offer they agreed to approved, and received money on. i now want my pink slip. this has caused me great stress, I'm paranode not knowing if I'm being follow although they have taken the repo off my car. I'm refusing to fix anything on the car until i have the pink slip... now I'm looking to sue for all the harm they caused by their trickery and lies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: IA

Complaint narrative:
I am filing a formal complaint against Cash App regarding a disputed transaction of {$22.00} with the merchant XXXX. I purchased a digital key for the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, but the seller provided an incorrect key and refused to provide a refund or replacement. Despite filing a dispute for " Goods Not Received '' and providing an itemized receipt, Cash App has repeatedly denied my claim. They have incorrectly categorized this purchase as a cryptocurrency or NFT transaction. While Cash Apps own support team has reviewed my receipt and confirmed it was for a standard digital gamenot a digital assettheir dispute department continues to uphold the denial based on this factual error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX, I paid {$410.00} to a window tint merchant for a professional installation. Upon pickup, the installer had damaged my vehicle 's rear door glass window run channel seal. The installer acknowledged the damage on the spot and attempted to fix it using a tool, but the attempt failed and the seal remained deformed. I returned to the merchant the same day. They denied responsibility and told me to take it to a dealership. The merchant also claimed the film bubbling was caused by old tint not being stripped, which is impossible. My vehicle is a XXXX XXXX XXXX XXXX with factory-pigmented glass. There is no removable film layer. This was a false statement used to avoid liability. On XX/XX/XXXX, XXXX XXXX inspected the vehicle and issued a formal repair estimate of {$380.00} to replace the damaged window run channel ( XXXX # XXXX ). I filed a dispute with American Express for {$410.00} ( Ref. No. XXXX ) and submitted photos of the damage, defective film, interior staining, and the dealership estimate. American Express has denied my dispute twice and ruled in favor of the merchant despite this documentation. I am requesting that the CFPB review American Express 's handling of this dispute, as I believe they failed to properly investigate the evidence provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Its called FIRSTPOINT COLL RESO it says I owe {$340.00} it was opened XX/XX/year> ( XXXX XXXX ) I am not acknowledging this debt. I do not recognize this account. I was XXXX during the time it was opened. I am requesting full debt validation, including the original creditor, contract, and proof this account belongs to me. Please send it to me in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: NJ

Complaint narrative:
Capital One incorrectly opened a chargeback on a transaction where a merchant return/refund was already in progress. They are refusing to close the dispute, which is interfering with the merchant refund process and restricting my ability to use the merchant. I am requesting immediate correction and closure of the invalid dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing in response to your recent communication regarding an alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide full validation of this debt. Please provide the following information : The name and address of the original creditor The account number associated with the alleged debt The total amount claimed, including any fees or interest Documentation showing that I agreed to or am legally responsible for this debt Proof that your agency is authorized to collect on this debt Until you provide proper validation of this debt, I request that you cease all collection activities and communication with me regarding this matter. Additionally, please do not report this debt to any credit reporting agencies until it has been properly validated. If you are unable to provide the requested documentation, I request that this matter be closed and that any references to this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hi around XXXX XXXX XXXXXXXX or XXXX my account was closed by Bank of America when I open up another checking account for business requirements so I dont touch the money if I put the funds on my normal checking account the next day my account was closed but I never understand why my account was closed when I explain to them what happened to my account they told me they closed my account due to fraud activity I told them I was the owner of the account and Im the open whose creating these account and I open another checking account because i was starting a business and it was going good for XXXX Ive been trying to get this account back and there not letting me and this bank was one of my best bank I ever first bank with and now my account is closed and I would love to have this account back and another reason they closed it was because I filed to much dispute its because I had issue with company and when I had documentation to prove my claim every time I send it in the agent would say they didnt receive it

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 2026-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
Complaint 2 : Bridgecrest Company name to enter : Bridgecrest Acceptance Corporation XXXX category to select : Vehicle loan or lease Problems with the purchase of your car Complaint narrative : I financed a XXXX XXXX XXXX XXXX ( VIN : XXXX ) through Bridgecrest beginning XX/XX/XXXX, following the vehicle 's purchase from XXXX in XXXX, XXXX. I made loan payments to Bridgecrest from origination without any knowledge that the vehicle had never been properly titled in my name. In XXXX, when attempting to sell the vehicle, I discovered that XXXX XXXX the original lienholder still held the title and lien under the name of the previous owner, XXXX XXXX. The title had never been transferred into my name. I have a recorded phone call in which XXXX XXXX XXXX representatives, including a manager identified as XXXX ( XXXX ID : XXXX XXXX ), confirmed that the account was not in my name and that they continued to hold the title and XXXX on the vehicle. When I raised this title defect with Bridgecrest, they refused to provide any documentation or written explanation and stated, in substance, that I would be held financially responsible regardless of the title circumstances. Every request I made for written documentation or clarification was denied or deflected. Bridgecrest never provided a single written response addressing the title discrepancy I raised. I am attaching a screenshot of my Bridgecrest account portal confirming account number XXXX, the outstanding balance of {$7200.00}, and the XXXX XXXX XXXX as the subject vehicle. This portal screenshot also shows that Bridgecrest is actively pursuing collection on this account while I have a formal and documented title dispute outstanding. Bridgecrest charged off the account in XX/XX/XXXX and a repossession was subsequently reported to all three major credit bureaus XXXX XXXX XXXX XXXX under my name in XX/XX/XXXX. This reporting is inaccurate and invalid, as the vehicle was never legally titled in my name. Bridgecrest collected payments from me for approximately XXXX years on a vehicle whose title was never properly transferred to me, refused to investigate or address the title defect when I raised it, refused to provide any written documentation of their position, and then penalized me with a charge-off and repossession on my credit record. The refusal to provide documentation across all parties involved appears to be a deliberate pattern of withholding information from a consumer with a legitimate dispute. Desired resolution : I am requesting a full investigation into Bridgecrest 's handling of this account, the immediate retraction of the repossession and charge-off reporting from all three major credit bureaus, and written confirmation that this account has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I sent them a request for debt validation and they have not sent me anything. This is not my debt

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 2026-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
This complaint is being submitted as an escalation regarding an unresolved issue involving a fraudulent account that has been previously disputed and formally documented. I previously provided a written Identity Theft Affidavit dated XX/XX/XXXX, notifying that the following account is fraudulent and not mine. That affidavit is being re-submitted with this complaint as supporting documentation. This company under the name of " JEFFERSON CAPITAL SYSTEMS '' is reporting as follows on my credit report. Account XXXX XXXX. Account XXXX XXXX XXXX. Date Opened XX/XX/XXXX. Status Collection account. {$2800.00} past due as of XX/XX/XXXX .. Status Updated XXXX XXXX {$2800.00}. This account is not mine. It's reporting XXXX as the original creditor. I never had a XXXXXXXX XXXX XXXX. I also contacted the collection agency directly and requested : 1 ) The original creditor information. 2 ) A breakdown of the charges. 3 ) Documentation supporting the debt. To date, they have failed to provide any documentation. FCRA 1681i : Failure to conduct a reasonable investigation. FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy. FCRA 1681s-2 : Failure of the furnisher to provide accurate and verifiable information. The burden of proof rests with the furnisher and reporting agencies. I am not required to prove that this debt is invalid. They are required to prove that it is valid. I am aware that collection agencies may attempt to require consumers to complete internal identity theft questionnaires. Please be advised : I am not required to complete any proprietary forms. My affidavit constitutes sufficient notice. Any attempt to delay this matter through internal procedures is improper.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Made purchase {$38.00} on XX/XX/year> received a paper statement costing {$2.00} even though requested paperless statements made payment as soon as it was requested on XX/XX/XXXX, XXXX Credit card company is insisting that the payment was supposed to be made on XX/XX/year> and immediately charged a {$30.00} late fee. Then was charged XXXX dollars an interest another {$35.00} late fee another XXXX statement fee all because the company insisted that the payment should be made on XX/XX/XXXX without receiving a bill and it was made XXXX day later. I am now receiving late fees for not paying the first late fee XXXX charges every month and interest charges from buying a {$38.00} shirt which is now costing me {$110.00} spoke to a representative and a supervisor on XX/XX/year> with no resolve. I sincerely feel like this specific credit card company is taking advantage of consumers. I have several other credit cards that do not assess the type of fees that this card does please look into this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: NM

Complaint narrative:
Issue : Mortgage servicing, payment handling, and preforeclosure activity What happened : My mortgage is serviced by Rocket Mortgage , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX Rushmore Servicing XXXX I have repeatedly attempted to resolve issues with my account, but XXXX has not provided accurate or consistent information. They returned multiple payments without explanation, and when I called to resolve the issue, a representative ( who refused to give a name ) asked me, How much money do you have available right now? He instructed me to send approximately {$14000.00}, which represented the payments they had returned. I sent the full amount as instructed, but XXXX never followed up, never provided written terms, and never documented how the payment would be applied. I have repeatedly requested : A complete and accurate payment history An itemized list of fees, charges, and suspense account activity A clear cure amount Loss mitigation options Rushmore has not provided this information. Instead, I received a XXXX Notice from XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year>, stating that foreclosure XXXX be initiated. This occurred while I was actively trying to resolve the account, which appears to be improper and potentially a form of dual tracking. I am requesting the CFPBs assistance in obtaining : A full and accurate accounting of my loan An explanation of all returned payments Documentation of how the {$14000.00} was applied Correction of any servicing errors A pause on foreclosure activity until Rushmore provides the required information I am willing to resolve this matter, but I can not do so without accurate documentation from the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CL Holdings LLC
State: TX

Complaint narrative:
Name : XXXX XXXX XXXX XXXX : XXXX LAST XXXX SOCIAL SECURITY : XXXX Jefferson Capital LCC XXXX- THIS ACCOUNT WAS OPENED FRAUDLENTY IN MY NAME. PLEASE HAVE JEFFERSON CAPITAL LLC REMOVE THE COLLECTION OFF MY CREDIT. PLEASE AND THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
PAYPAL : The instructions to close the account lead to a " something went wrong '' message, then a " help '' page that instructs me to perform the same procedure again... I have tried this for a few weeks now. I should be able to just click the close account button and get " We are sorry to see you go ''. We have eliminated all connected accounts and recurring charges, and brought the balance to zero. I could just leave it at that, but having the open account is just another opening for scammers, right? This is very frustrating. I don't see a way to talk to a human either. This is a move I am making for estate planning purposes, one less thing for my wife to deal with after I am gone. Any help would be appreciated, I am sure a gentle nudge from the government will resolve the problem for me, and hopefully cause them to stop using this tactic. Thank you, XXXX

Company response to consumer: Closed with non-monetary relief