vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company
State: CA

Complaint narrative:
I am a California resident who took out a payday loan with this lender. The lender is a tribal lending entity ( Wolf Lending, LLC DBA Premier Loan Solutions, an arm of the XXXX XXXXXXXX XXXX XXXX XXXX XXXX that charges interest rates far exceeding what is legal under California XXXX. My loan agreement discloses an Annual Percentage Rate of 652.14 %, with {$2600.00} in finance charges on a {$700.00} loan a total repayment of {$3300.00}. The company deliberately operates under tribal sovereign immunity as a strategy to evade California consumer protection laws and state usury limits. I was not adequately informed of the true cost of this loan prior to signing. I have taken out multiple loans with this lender over time, paying far more in interest and fees than the original principal borrowed. I am requesting the CFPB investigate this lender and take appropriate enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/year>, JPMorgan Chase Bank , N.A . closed all four of my credit card accounts simultaneously with no prior notice. I discovered the closures when my cards were declined. When I called customer service, the representative could not explain the reason and told me to wait for a letter to arrive by mail. I have been a cardholder in good standing with no missed payments or known policy violations. No warning, no explanation, and no opportunity to respond was given before the closures. As a result of these closures, my accumulated XXXX XXXX points balance is at risk of forfeiture. I was given no window to redeem points I earned through legitimate spending over time. This represents a direct financial loss. I am requesting : ( 1 ) a written explanation for the closures, ( 2 ) reinstatement of my XXXX XXXX points or a redemption window, and ( 3 ) reconsideration of the closures if they were based on inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
On Monday XX/XX/XXXX at approximately XXXX XXXX XXXX ( their address XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ) XXXX in the act of repossesing my car at my job located at XXXX XXXX XXXX XXXX # XXXX, XXXX, NY XXXX and I came outside and advised them that was my car and to hault the repossession because there was already nosey people outside watching and security was called. The gentleman from XXXX told he i dont have a choice as they were hired to take the vehicle. I advised him at this time he doesn't have legal authority to. As I was turning around to head towards my XXXX XXXX XXXX which was on his flatbed he put the car in drive and actually knocked ne to the ground and caused his truck to run over my entire XXXX XXXX and XXXX. I was rushed to XXXX XXXX where I was taken into XXXX for my injuries.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of information being reported on my credit file. The account listed below contains information that I believe is inaccurate, incomplete, or can not be properly verified : I request that you conduct a reasonable investigation and verify the accuracy of this account. If the information can not be verified with supporting documentation, I request that it be corrected or deleted from my credit report in accordance with applicable law. Please provide the method of verification used to confirm the accuracy of this account if it is determined to be valid. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNIVERSAL COLLECTION SYSTEMS, INC
State: TN

Complaint narrative:
XX/XX/year> XXXX To Whom It May Concern : I am responding to your recent communication regarding the alleged debt referenced above. This letter is not a refusal to pay, but a request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Under my rights afforded by federal law, I dispute this alleged debt in its entirety and request that you provide competent evidence that I have a legal obligation to pay. Please provide the following : The name and address of the original creditor. The date the alleged debt was incurred. The date of default. The complete payment history, including all charges, fees, interest, and credits. A copy of the original signed contract or agreement bearing my signature. Documentation showing your authority to collect on this debt. Proof that your agency is licensed and authorized to collect debts in my state. A copy of any judgment, if applicable. Documentation proving that the statute of limitations has not expired. Verification that the amount claimed is accurate and legally collectible. Notice of Dispute This debt is formally disputed under : 15 U.S.C. 1692g ( FDCPA Validation Rights ) 15 U.S.C. 1692e ( False or Misleading Representations ) 15 U.S.C. 1692f ( Unfair Collection Practices ) 15 U.S.C. 1692d ( Harassment or Abuse ) Furthermore, pursuant to the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) Furnishers must provide accurate information. 15 U.S.C. 1681s-2 ( b ) Furnishers must investigate disputed information. 15 U.S.C. 1681e ( b ) Consumer reporting agencies must maintain maximum possible accuracy. 15 U.S.C. 1681i Consumers have the right to dispute inaccurate information. If you have reported this account to any credit reporting agency, including XXXX XXXX or XXXX, you must mark the account as " Disputed by Consumer '' during the investigation. Until you provide the requested validation, you must cease all collection activity as required by 15 U.S.C. 1692g ( b ). If you can not provide the requested documentation, I demand that you : Cease all collection efforts immediately. Remove any negative reporting associated with this account from all consumer reporting agencies. Provide written confirmation that the account has been closed and deleted from my credit file. Failure to comply with federal law may result in complaints being filed with the : Consumer Financial Protection Bureau Federal Trade Commission My State Attorney General 's Office This letter is sent without prejudice and without admitting liability for the alleged debt. I expect your written response within the time required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
The original debt was issued by XXXX XXXX Department, XXXX. XXXX XXXX, XXXX, WA XXXX. I dispute the validity of this debt because the lease was terminated due to ongoing health, safety, and habitability concerns that were not adequately addressed by management despite repeated requests for assistance. Throughout my tenancy, the property 's fire alarms repeatedly activated during both daytime and nighttime hours, causing significant disruption and loss of sleep. I submitted service requests regarding these issues. Additionally, a leak developed in the ceiling of my apartment, resulting in the light fixture being removed and left on a table while a large water stain remained visible. The condition remained unresolved for over 30 days before repairs were finally completed and the area was repainted. During these events, obtaining assistance from management was extremely difficult. Calls and requests often went unanswered, and I frequently had to search for management personnel or wait in the leasing office for them to appear in order to discuss these serious concerns and seek resolution. Due to the ongoing issues and lack of timely response, I ultimately had no reasonable alternative but to terminate the lease. I vacated the apartment before XX/XX/year>, after paying rent in the amount of {$3500.00} on XX/XX/year>, which I understood would cover my final month of occupancy. Despite this payment, I was later billed an additional {$2500.00}, which I dispute. At the time I vacated the unit, it had been completely emptied of all personal property and trash and was left in good condition with only normal wear and tear. Management declined to conduct a move-out walkthrough inspection and instead instructed me to leave the keys at the management office. Based on these facts, I believe the charges were assessed incorrectly and request that the balance be removed, any negative credit reporting be deleted, and written confirmation be provided showing that the account has been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 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: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
So i purchased a XXXX XXXX on XX/XX/year> from a site called Buy me a coffee and they said it was XXXX delivery so when i placed the order the only email i received from them was Thank you for your purchase deal {$350.00} thank you for your order, you will be contacted through email. And up till today day I never got a delivery or shipping email from them. So i decided to to in a dispute and the next day they reached out to me n said this We just received a chargeback request for a payment made from this email using a card ending in XXXX XXXXXXXX. We're reaching out immediately to help resolve any issues and to provide additional details if it was because of a confusion. We understand that there may be various reasons behind initiating a chargeback but please note that chargebacks incur an additional dispute fee of {$15.00}, which is charged to the creator. so i didnt pay attention to that n continue the dispute. Today my bank reached out to me saying the dispute was resolved on the merchant behalf because of the evidence they provided so I was shocked because which evidence? So u guys didnt look at mine? After i waited for almost XXXX? So I told them i need to see the merchant evidence they provided because they trying to rage bait me and I am not going for that. That merchant will have to prove the tracking number, the date and time they deliver the package and the carrier they used I need that evidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
XX/XX/year> XXXX To Whom It May Concern : I am responding to your recent communication regarding the alleged debt referenced above. This letter is not a refusal to pay, but a request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Under my rights afforded by federal law, I dispute this alleged debt in its entirety and request that you provide competent evidence that I have a legal obligation to pay. Please provide the following : The name and address of the original creditor. The date the alleged debt was incurred. The date of default. The complete payment history, including all charges, fees, interest, and credits. A copy of the original signed contract or agreement bearing my signature. Documentation showing your authority to collect on this debt. Proof that your agency is licensed and authorized to collect debts in my state. A copy of any judgment, if applicable. Documentation proving that the statute of limitations has not expired. Verification that the amount claimed is accurate and legally collectible. Notice of Dispute This debt is formally disputed under : 15 U.S.C. 1692g ( FDCPA Validation Rights ) 15 U.S.C. 1692e ( False or Misleading Representations ) 15 U.S.C. 1692f ( Unfair Collection Practices ) 15 U.S.C. 1692d ( Harassment or Abuse ) Furthermore, pursuant to the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) Furnishers must provide accurate information. 15 U.S.C. 1681s-2 ( b ) Furnishers must investigate disputed information. 15 U.S.C. 1681e ( b ) Consumer reporting agencies must maintain maximum possible accuracy. 15 U.S.C. 1681i Consumers have the right to dispute inaccurate information. If you have reported this account to any credit reporting agency, including XXXX, XXXX, or XXXX, you must mark the account as " Disputed by Consumer '' during the investigation. Until you provide the requested validation, you must cease all collection activity as required by 15 U.S.C. 1692g ( b ). If you can not provide the requested documentation, I demand that you : Cease all collection efforts immediately. Remove any negative reporting associated with this account from all consumer reporting agencies. Provide written confirmation that the account has been closed and deleted from my credit file. Failure to comply with federal law may result in complaints being filed with the : Consumer Financial Protection Bureau Federal Trade Commission My State Attorney General 's Office This letter is sent without prejudice and without admitting liability for the alleged debt. I expect your written response within the time required by law. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I am submitting this complaint regarding a disputed XXXX XXXX transaction that was funded through my Chase bank account. I recently discovered that an old phone number remained associated with my XXXX XXXX account even though I no longer have possession of or access to that phone number. In addition, I previously lost an older phone and have since obtained a new phone number. Because of these circumstances, I am concerned that my XXXX XXXX account may have been accessed by an unauthorized person. I noticed XXXX XXXX transactions that resulted in funds being withdrawn from my Chase bank account that I do not believe I authorized. The most recent disputed transaction was approximately {$1200.00}. I reported the transaction to Chase and filed a claim. However, the claim was closed, and I am seeking clarification regarding the basis for the decision and the evidence relied upon during the investigation. My concern is that the investigation may not have fully considered the possibility that my XXXX XXXX account security was compromised. The account still contained an old phone number that I no longer control, and I am concerned that this may have allowed unauthorized access to the account. I am requesting that Chase provide a detailed explanation of the outcome of its investigation, including the evidence used to determine whether the transaction was authorized. I am also requesting that Chase review any information related to potential unauthorized access to my XXXX XXXX account and reconsider the claim if appropriate. I am continuing to work with both Chase and XXXX XXXX to determine exactly what occurred and to obtain any available account access, login, or device information related to the disputed transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I am an XXXX servicemember who received XXXX XXXX XXXX ( XXXX ) benefits on my credit card account. Chase conducted an XXXX eligibility review on or about XX/XX/XXXX and determined that I was no longer a covered borrower. I disputed that determination because I have remained on continuous XXXX XXXX. A Department of Defense data issue affected how my status was reflected in systems used for XXXX eligibility determinations. After that issue was identified, I provided Chase with documentation supporting my active-duty status and requested review of the XXXX determination XXXX On XX/XX/XXXX, Chase advised that my request had been forwarded for review. On XX/XX/XXXX, Chase informed me that a reassessment of my XXXX eligibility had been submitted. On XX/XX/XXXX, Chase advised that my account would be reviewed for XXXX benefits and that I would receive a response within 30 business days. More than 30 business days have passed and Chase has not provided a final determination regarding my XXXX eligibility, restored my XXXX benefits, or resolved my dispute. Despite the pending XXXX reassessment, Chase assessed my annual credit card membership fee on XX/XX/XXXX. I remain an eligible XXXX covered borrower. Chase must restore XXXX benefits to my account, correct any records affected by the erroneous determination, refund the annual fee assessed on XX/XX/XXXX, and provide any other account adjustments necessary to place the account in the position it would have occupied had the erroneous XXXX determination not occurred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-03 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: NC

Complaint narrative:
I can not get an answer as to when student loans will be discharged. My payments are becoming due and since I no longer qualify for a specific repayment plan the amount due will be detrimental to my household. I do not want to default but I need these payments removed.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-03 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: DE

Complaint narrative:
Disputed charges on my account they took of the one one but not the other and refused to tell why. Vague answer I think maybe they had data breach because they tell detailed information about where the charge came from but took off the {$20.00} charge but not the {$150.00} one

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Affirm is financing a fraudulent transaction where the merchant ( XXXX ) never delivered the goods. Affirm is violating fair lending practices by collecting money on a failed contract. XXXX promised delivery within XXXX weeks. It has been 6 months of no updates or delivery of my order.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MS

Complaint narrative:
XXXX and XXXX of XXXX I had some unauthorized transactions on my account fraudulent and cash app kept we are working on it. I sent them evidence to back my claim up and I was told the same thing we will get to it but we are having problems with our system and a week after that I was locked out of my account for fraudulent activity if you have funds on your account we will send them to your external account. I haven't seen a dime.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/XXXX I requested XXXX $ my pay. The next day they charged my account for the XXXX $ that would not have been due for 2 weeks, taking the money from my balance but the XXXX $ never never posted to my account. So I have repaid something I didnt receive. I am missing XXXX $ from my account still right now and no one in the bank seems to be able to credit this money to my account. Or figure out how it happened and offered XXXX solutions. The first time I called, the bank confirmed the error, asked me to let overnight transactions settle. Next day they acted oblivious to the fact. I spent hours on the phone with fraud after speaking to someone with a clear language barrier to English left me on hold and never came back to the call. I just want the money made available to my account.

Company response to consumer: Closed with explanation