vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC
State: KY

Complaint narrative:
Account Number : XXXX Year/Make/Model : XXXX XXXX XXXX XXXX : XXXX Amount Financed : {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX KY XXXX and would like to review the terms of the contract with you. time the first payment is due, please use the remittance section below to mail in your first payment. XXXX. payments, or other defaults on your account may be reflected in your credit report. ACA provides a variety of payment options for your convenience : Directly to ACA : o Recurring ACH ( XXXX ) If you wish to have payments automatically withdrawn from your XXXX Contract Term ( months ) : XXXX Payment Amount : {$390.00} First Payment Due Date : XX/XX/XXXX When XXXX done paying off the loan I will be paying XXXX. I dont know my interest rate every time I call they tell me different ones. Ive called multiple times for XXXX years asking for these documents and they refuse to send to me or they tell me they will come take the car even though Im paying my payments. I did one year in XXXX did not make a payment for almost 4 months while I was in between jobs and I paid XXXX that got me caught up. They did not take the car. Ive paid the week Im suppose to pay. I only owe XXXX but every month that changes of what my pay off is. Please help me. It was a used XXXX XXXX XXXX. With XXXX Something miles on it. I dont know why this car is worth so much. Ive read bad reviews on American credit acceptance and a lot of people are dealing with the same thing Im going through. Im literally spending almost XXXX XXXX dollars a month for this car and insurance because my payments are {$390.00} but I pay an even {$400.00} for it. Please help me. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: CO

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-17 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Consumer Financial Protection Bureau Complaint Regarding Denied Dispute XXXX XXXX Charge Dear CFPB, I am submitting this complaint regarding a charge from XXXX XXXX XXXX that I disputed with Chase Bank. My initial dispute was denied despite the fact that the services provided were unacceptable and not as described. During my stay, the room and services were in poor condition : there were roaches in the room, the bed was wet and unusable, and food was consistently cold. I reported these issues to the hotel, but my complaints were ignored ; they only stated they would use it as feedback without providing any refund or resolution. I originally filed a dispute with Chase Bank, but it was denied due to insufficient evidence. I now have supporting documentation, including : * Email correspondences with XXXX showing my complaints and lack of resolution * Transaction record showing the charge * Booking confirmation * Video of Roaches in room I respectfully request that the CFPB review this case and assist in ensuring that Chase reconsiders my dispute, as the services paid for were not delivered as promised and the merchant failed to address the issue. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: PA

Complaint narrative:
Today XX/XX/2025, I attempted to cash my business check but to no avail. I had been informed that all of my credentials including my ein, bank documents, social security number has been misplaced. This is a direct violation of my personal and private rights as I am now in threat of identity theft. They refuse to cash my check citing no information available. The staff at XXXX XXXX location are the most unprofessional staff ever contacted. I will seek damages for identity theft, breach of contract, defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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 recently became aware that this account was transferred or sold to your company. Before any further action is taken, I am requesting full validation of this debt. Please provide documentation showing that your company has the legal right to collect on this account. This should include proof that the debt was legally assigned or sold to your company, the original creditors name, the original account number, the amount owed, and a complete payment history of the account. Until this information is provided, I request that all collection activity cease. If you are unable to provide the requested documentation, I ask that the account be removed from my credit report and that you discontinue any attempts to collect this debt. Thank you for your prompt attention to this matter. I look forward to your written response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: FL

Complaint narrative:
I was using XXXX to do some work and I had to upload images. I was on the free version of the app. Once I try to upload more images it said that I had to upgrade, which was what I do for the {$19.00} When I tried to upload those images, it did not let me after Ive already paid for the subscription so I immediately canceled the subscription and I reached out to XXXX to dispute the charge and I reached out to XXXX. XXXX said it since I did it through XXXX, they will have to be the ones XXXX is refusing to refund my money so then I went through Cash app because thats the card that I used Cash app just now denied it Im not understanding why companies sit here and dont listen to the consumer The one thats basically making you the money theyre not trying to listen. I want my money back because the app did not do what it was supposed to do so I paid for nothing. I even canceled the subscription so I dont even use it so I just dont understand why I can not get my money back and if I have to go through my bank, Cash app is not gon na try to cancel my account and I dont want that but if thats what its going to take for me to get my {$20.00} back that is what Im going to do because enough is enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: AZ

Complaint narrative:
Validation of Debt Request - ABSOLUTE RESOLUTIONS I/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Please see attached Exhibit A and Exhibit B, which document the payment history and highlight significant inconsistencies in interest charges and loan servicing. Subject : Auto Loan Interest Calculation and Servicing Complaint I am filing a complaint regarding my auto loan with Credit Acceptance Corporation. Loan details : Amount Financed : {$22000.00} APR : 22.99 % Finance Charge : {$18000.00} Total of Payments : {$40000.00} To date, I have paid approximately {$10000.00} on this loan, yet the remaining balance is still approximately {$18000.00}. Only about {$3900.00} has been applied toward principal. My concerns are as follows : 1. Interest charges vary significantly and are inconsistent. For example, a charge of {$560.00} was applied on XX/XX/year>, which is far higher than typical charges. 2. Payments appear to be applied primarily toward interest rather than principal, making it extremely difficult to reduce the balance. 3. The company has stated that it does not provide a full daily interest accrual ledger or amortization schedule when requested. 4. The payment structure has been confusing, involving multiple payments per month rather than a clearly defined monthly obligation. 5. During the origination process, income was entered in a manner I did not fully understand, and I rely on XXXX income while my spouse works part-time. I have formally requested a full accounting of the loan, including an amortization schedule and interest calculation method, but have been advised that such documentation may not be provided. I am requesting that the CFPB review whether : interest calculations comply with the disclosed APR payments are being applied correctly the loan was originated and serviced in compliance with federal consumer protection laws Sincerely, XXXX XXXX XXXX Supporting documentation is attached, including : Exhibit A Payment Summary and Key Findings Exhibit B Full Payment History These exhibits demonstrate irregular interest charges, lack of transparency in interest calculations, and disproportionate application of payments toward interest rather than principal.

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 2026-03-17 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: TX

Complaint narrative:
Validation of Debt Request - MIDLANDCRE - XXXXXXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am requesting the following : 1. Full validation and documentation proving this account was lawfully established for Collection and charged off. 2. Copies of the original signed contract or agreement bearing my signature. 3. A detailed payment history, including how the balance and charge-off status were calculated. If you can not provide I am formally disputing the accuracy and validity of the collection charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. The details of the fraudulent account are as follows : Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/year> Amount : {$18000.00} ( I never signing any documentation with my hand and letters giving any permissions for used my personal information without my permission I was victim of identity theft ) Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. The balance, past due amount, and status are not accurately reported. The account does not reflect complete and verifiable records of the debt. Under FCRA 15 USC 1601, FCRA 609 ( a ), FCRA 15 USC 1692, FCRA 611, And If they dont delete negative items off my credit report after this notice I will owe you {$1000.00} per item which is 15 USC 1681N which is civil liability complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA XXXX Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. I expect your investigation and response within the required 30 days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I am filing a complaint regarding the sale of add-on financial products tied to my auto loan. On XX/XX/XXXX, I purchased a vehicle ( XXXX XXXX XXXX, XXXX : XXXX ) from XXXX of XXXX XXXX. During the transaction, GAP insurance ( {$1200.00} ) and a vehicle service contract ( {$6100.00} ) were added to my loan. These products were not clearly disclosed or properly explained. They were effectively bundled into the financing without clear, informed consent. After discovering this, I contacted the dealership to cancel both products. I was told I would receive a callback, which never occurred. The dealership has failed to process my cancellation request. I have not used either product, and no claims have been made. I am requesting : 1. Immediate cancellation of both GAP and the warranty 2. A FULL refund ( not prorated ) due to misrepresentation and failure to process cancellation 3. Confirmation that all refunded amounts are applied appropriately to my loan with Capital One Auto Finance This situation reflects unfair and deceptive practices in the sale of financial products tied to auto financing. I am requesting prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: FL

Complaint narrative:
I use Square payment processing for my business There was a fraudulant loan on my account I've called the company almost every day for over 2 weeks with no help at all except to say they have escalated my case I now see they have reversed the unauthorized loan but they will not relase the money in my account that came from the sales in my business. I've asked for emails stating what type of investigatin is taking place but they have not provided them. They tell me they have sent emails but I've received nothing since reposrting the faud. Up until this happened I was getting emails from them daily regarding the amount of money they would be transferring into my bank account. It's very odd that they have not provided any documentation at all and they my account is locked so I can not access the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OH

Complaint narrative:
Hi there a XXXX that debt collector by the name of Jefferson capital Llc opened XX/XX/year> which Im unaware of

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I requested verification of the {$1200.00} transaction, including proof of the purchase, order details, and confirmation of the merchant associated with the charge. I also requested clarification because the merchant ( XXXX ) confirmed they have no record of this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION

Complaint narrative:
I called Navy Federal Requiting a ATM card because after nearly a month after signing up for their service I had yet to receive a debit card giving me access to cash. Thier response was to 100 % lock down my account. Restricting access to my 100 % va XXXX to pay for medication and housing. I am currently on the edge of death due to not recieving the the life saving medication I need for my XXXX. I asked to speak to a manager, the lady laughed and hung up on me. I have called XXXX times in XXXX hours and including filling out their XXXX form. They told me it would be XXXX to XXXX day before I heard back, my XXXX will kill me or I will commit XXXX before 10 days with no medication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
In XXXX of XXXX, my vehicle was sold to XXXX XXXX as a trade in. While the deal didnt go through XXXX said they had paid off or sent check to Santander already for the vehicle so title would be theirs. I let Santander know about this which they advised XXXX did contact them to get the payoff to send the check Now account is being reported as a charge off, I have explained to Santander I do not have possession of the vehicle since XXXX XXXX took it, they would not give it back. I tried to call police who said this is a civil matter and would not report XXXX has refused to give back vehicle advising they already sold it I went to XXXX and XXXX said title was transferred out of my name ( meaning either they are committing fraud, because how did they sell a vehicle they did not have title to? ) Now Santander keeps reporting balance as a charge off even though this vehicle has not been mine for 3 years. XXXX is committing fraud and have refused to give any more information. How did they sell a vehicle with a lien to someone else and what paperwork did they submit to XXXX to be able to remove it off my name

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
Between the months of XXXX XXXX my phone was stolen I attempted to follow up with a police report but was told it was not enough evidence. I am filing a complaint regarding unauthorized transactions totaling {$2000.00} from my Chime account. My phone was stolen, and an unknown individual accessed my account on XX/XX/XXXX and made transactions without my knowledge or permission. I did not authorize these transactions, nor did I share my login information, PIN, or account access with anyone. As soon as I became aware of the issue, I secured my account and contacted Chime to dispute the charges and got a new card issued. However, my dispute was denied, and I was not provided with a sufficient explanation or resolution. This situation falls under unauthorized electronic fund transfers as defined by Regulation E. I am not liable for these charges and should be reimbursed accordingly. I am requesting that Chime reopen my case, conduct a thorough investigation, and issue a full refund of the {$2000.00} that was taken from my account. I am willing to provide any additional documentation needed, including proof of my phone being stolen and account security updates. Thank you.

Company response to consumer: Closed with explanation