vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC
State: MN

Complaint narrative:
In accordance with with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 ( section 604 a section 2 it also states a consumer reporting agency can not furnish an account without written instructions ) under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: IN

Complaint narrative:
The current APR is 490 %. In the state of Indiana, this is considered a predatory loan and to my understanding, is illegal and non-enforceable. 

The online portal has scant information, but I believe the original loan was for {$1500.00} plus a {$200.00} for " fees ''. I believe the loan was taken out XXXX months ago. I have delayed a payment already. I have tried to contact them via phone, but they do not pick up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
Account Permanent Suspension ( Case ID : XXXX ) Complaint Description : I am filing this complaint against XXXX for the arbitrary XXXX suspension of my account and the unjustified XXXX hold on my funds until XX/XX/year>. I have been a loyal and compliant user of XXXX for over XXXX years ( approximately XXXX days ). During this period, my business has maintained a stellar track record with consistent transaction volume and no major disputes. On XX/XX/XXXX, my account was suddenly permanently restricted. When I contacted customer support, XXXX was told the decision was based on " identity unverified " of the User Agreement. However, when I requested specific details, dates, or transaction IDs to understand these alleged violations, PayPal refused to provide any information, citing " internal security. '' My arguments are as follows : XXXX. Lack of Transparency : Claiming " identity unverified unsupported activity " after XXXX months of flawless operation without a single prior warning is logically inconsistent. XXXX. Abuse of " Sole Discretion '' : While the User Agreement allows PayPal to restrict accounts, the XXXX hold must be " reasonably needed '' to protect against liability. Holding my entire balance for XXXX  months without providing any factual basis for risk is an unfair and predatory business practice. XXXX. Financial Hardship : This arbitrary decision causes over XXXX month disruption to my business cash flow and operations. 

Actually, Although after a recently refund to buyer my balance remains about XXXX dollars. My identity in PAYPAL still important ( a pernamently frozen means me as a human can not use PayPal anymore during my whole life ) And I have sent my ID proof delivery proof business proof to their official emails official message center and phone call many times. 

I have sent the paypal the information about my business. My account ID on PayPal is XXXX, I have sent them many mails and documents, PayPal just keep saying my information can not verified. 

I need my account back! Business been stopped for a month cause PayPal delay. The site I am selling on only supports PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IL

Complaint narrative:
Chime closed account for XXXX years and never refunded remaining account or gave reasoning to as why funds werent sent to me or original sender.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
In XXXX a car was repossessed while I owed a balance of around {$3000.00}. However, after the car was repossessed a year later the debt was sold off to credit acceptance and I was served notification that I owe XXXX times what the car was repossessed at and my wages were garnished. I am now receiving notification that they are reattempting to garnish my wages.

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 2026-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Since XX/XX/2025 I have had issues with double payments, unrecieved merchandise, products they tried to collect payment on, wrong amounts posted, paid and THEN denied a few days later to my bank or vendor causing credit negatives, late fees, cancelations, potential legal issues and other problems. These issues can be validated with the vendors involved to include car payments, car insurence, internet and phone, life insurence, debt reconciliation legal firms, and On line vendors. It WAS THEIR ISSUE NOT OURS but Chase evidently decided to end our relationship and closed all accounts. We " the best part of chase '' became suspect when we incurred the financial harm. The parties creating the issue given preference - as Chase claimed by law! During this time we were forced to move funds to protect payments, stayed in constant touch with Chase, advised them of claim status. Unfortunately we recieved misinformation, wrong information, blatant lies, and a number of new debit cards for all accounts and in our opinion we are the ones demeaned, our reputation questioned, lectured and as XXXX XXXX little to no protection and in constant arguments and battles to gain access to XXXX XXXX taken by someone who did not fullfilled their obligation or unauthorized action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 2026-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cash App closed my mobile wallet account around XXXX XXXX XXXX XXXX XXXX while I was collecting deposits for holiday dessert orders for my small business. I do not gamble and every transaction on my account was tied to legitimate customer payments. During XXXX week I sent approximately XXXX XXXX XXXX dollar payment requests for dessert orders. Cash App misclassified this normal business activity as gambling and shut down my account without warning or evidence. 

I contacted Cash App through the Better Business Bureau on XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cash App XXXX XXXX emailed me stating she could not locate my account. I responded with my full legal name, my XXXX, my email address, my phone number, and my zip codes. After receiving this information Cash App acknowledged my account and escalated my case. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cash App employee XXXX emailed me stating that my account violated their Terms of Service and would remain permanently deactivated. No evidence or explanation was provided. I replied stating that I do not gamble and that the allegation was false. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX another XXXX, XXXX, repeated the same message and again refused to provide any documentation or identify any violating transaction. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX I explained again that the only activity during that period was legitimate dessert order deposits. Cash App still refused to review or correct the false allegation. 

Cash App later told the CFPB that they could not identify my account, which contradicts the emails they sent me where they acknowledged my information, escalated my case, and issued a final decision. Their statements to the CFPB do not match the documented email record. 
I have filed a complaint with the Florida Office of Financial Regulation. I am requesting that the CFPB require Cash App to provide a real investigation, documentation supporting their accusation, identification of any transaction they claim violated their policies, and a legitimate explanation for the wrongful account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 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: MO

Complaint narrative:
I am submitting this complaint to formally dispute the reporting of collection accounts that are inaccurate and do not belong to me. I regularly review my credit reports and recently identified discrepancies that were not previously present. These accounts were reported without my knowledge or authorization.

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 2026-02-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This for account # XXXX and XXXX. On XX/XX/year>, a written request was transmitted seeking release of the lien on the basis of lack of standing. Having received no response, this correspondence now serves as formal notice to Capital One Auto Finance XXXX XXXX of lack of standing, failure of authority, and demand for lien release. 

NOTICE OF LACK OF STANDING, FAILURE OF AUTHORITY, AND DEMAND FOR LIEN RELEASE XXXX XXXX. XXXX | Agency Law | XXXX Capital One Auto Finance XXXX XXXX ( COAF ) has publicly identified itself, including in SEC filings and offering documents, as servicer only for receivables held by Capital One Auto Finance Trust XXXX, and not as owner or assignee of the obligation or lien. 

Those same disclosures state that the trust acts solely through its Owner Trustee, and that COAFs role is limited to servicing and administration. 

Under XXXX XXXX. XXXX ( a ) and ( f ), a servicer is not treated as the owner of an obligation unless it is or was the owner, and upon written request must identify the current owner of the obligation. 

A written demand was made requesting : Identification of the current owner of the receivable and lien ; Identification of the current Owner Trustee authorized to act for the trust ; Documentation evidencing the appointment and acceptance of any successor Owner Trustee ; Documentation evidencing delegated authority permitting COAF to maintain, enforce, or refuse release of the lien. 

No response was provided. 
No owner was identified. 
No trustee was identified. 
No delegated authority was produced. 

Despite this failure, COAF continues to appear as lienholder of record and to assert control over the vehicle title. 

A party that disclaims ownership yet asserts lien rights acts without standing. 
An agent that can not identify its principal or prove authority can not lawfully encumber property. 
XXXX does not permit the maintenance of a lien where no party with lawful standing can be identified. 

The continued listing of COAF as lienholder constitutes an improper cloud on title and exceeds the lawful scope of a servicers authority. 

XXXX XXXX without prejudice, all rights reserved, with recourse

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 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: NY

Complaint narrative:
American Express refused to initiate a dispute for a {$660.00} charge from XX/XX/year>, involving merchant fraud ( Order # XXXX ). 
The merchant engaged in a 'Bait and Switch ' scam, issuing a {$640.00} XXXX  contract and later demanding an illegal 150 % surcharge ( {$970.00} additional ). The merchant intentionally stalled for time to exceed the 60-day window. 
Despite speaking with a supervisor ( XXXX ), American Express claimed they 'are n't able to dispute this charge because of the time '. This ignores the Fair Credit Billing Act ( FCBA ) protections for services not received. The bank failed to investigate the documented merchant fraud and misrepresentation. I request the CFPB to compel American Express to investigate this clear breach of contract

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC
State: VA

Complaint narrative:
This bill is so high they have charged me late fees they say I owe them XXXX XXXX dollars I do not owe XXXX XXXX XXXX I did not have the right to dispute

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 2026-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I applied for a loan and was issued a Loan Estimate stating that I qualified for 75 % loan-to-value based on an AVM. This was the Loan Estimate I reviewed and signed. Based on those disclosed terms, I proceeded in good faith and relied on that approval. 

In reliance on the 75 % XXXX approval, I pursued another property and incurred approximately {$2000.00} in out-of-pocket losses. After this, the lender changed the valuation and loan terms without any new information about me or the property, which materially altered the loan.They retroactively paid for an appraisal ( $ XXXX {$580.00} ) and the appraisal came back {$11000.00} lower than the XXXX XXXX I contacted the lender to request an explanation and a credit to cover my reliance losses, but we were unable to reach a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: NY

Complaint narrative:
Starting on XX/XX/XXXX, company The Unifin Team sent me XXXX emails addressed to XXXX XXXX XXXX. Emails included debt information, original creditor and amount information, and account information. 

The Unifin Team PH : XXXX Reply to this email or email us at XXXX Send letters to : Unifin , Inc. 
P.O. XXXX XXXX, IL. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am disputing overdraft fees that were charged to my Regions checking account despite me making deposits before the stated cutoff time. My account was brought to a positive balance before XXXX p.m. XXXX XXXX, but transactions posted overnight in a way that caused multiple overdraft fees to be assessed. I was charged XXXX overdraft fees totaling {$72.00} even though the overdraft amount was minimal and I made deposits prior to the deadline. 
I contacted Regions multiple times through customer support and requested an exception review due to the timing of deposits and postings. My request was denied solely because I received a courtesy waiver in a prior year, even though this situation involved different circumstances and no error on my part. I am requesting a review of the posting order and timing of deposits, as well as a refund of the overdraft fees that resulted from overnight processing.

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 2026-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc
State: MI

Complaint narrative:
Regarding Your XXXX Order # XXXX [ Service Request : XXXX ] XXXX Ecommerce XXXX Sat XX/XX/XXXX, XXXX XXXX XXXX Follow Up Image Subject Regarding Your XXXX Order # XXXX Response By Email ( XX/XX/XXXX XXXX XXXX  ) Good Morning XXXX XXXX, I hope this email finds you well. Our return department was able to verify the item has been returned with the XXXX tracking. Your order has been updated. 

I appreciate your patience and understanding. I hope you enjoy the rest of your day! 

Sincerely, XXXX XXXX, XXXX XXXX Wholesale | Member Service Center Phone : ( XXXX ) XXXX | Office Hours : Friday - Tuesday XXXX - XXXX XXXX Off : Wednesday & Thursday Please allow XXXX business days for further follow up or a response to your email. Please be sure to respond to this email without changing the Subject Line in order to keep a history of this correspondence and ensure proper routing. 
Response By Email ( XX/XX/XXXX XXXX XXXX  ) Good Afternoon XXXX XXXX, I hope this email finds you well. I am sending you this email so you have a way to reach me. I do apologize regarding the order experience, I want to make it right for you as XXXX values you as a member. It is never our intention for the order process to be less than satisfactory or for our members to have this kind of experience. 

As promised, my direct contact information is below. If you have any further information to add to my notes, or need anything further from me, please feel free to contact me at any time! The number provided below is my direct line. 

I appreciate your patience and understanding. I hope you enjoy the rest of your day! 

Sincerely, XXXX XXXX, XXXX XXXX Wholesale | Member Service Center Phone : ( XXXX ) XXXX | Office Hours : Friday - Tuesday XXXX - XXXX XXXX Off : Wednesday & Thursday Please allow XXXX business days for further follow up or a response to your email. Please be sure to respond to this email without changing the Subject Line in order to keep a history of this correspondence and ensure proper routing. 

Service Request # XXXX Date Created : XX/XX/XXXX XXXX XXXX  Date Last Updated : XX/XX/XXXX XXXX XXXX  XXXX Customer Service

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: ME

Complaint narrative:
I had charges for {$16.00}, {$800.00}, and {$880.00} processed on my cashapp account after someone hacked into my account. I did not receive any security notifications nor were there attempts to stop my account from being hacked. Cashapp is being less than helpful in resolving the over {$1700.00} that was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
American Express is reporting on my credit report. I dont owe them anything. I disputed through the credit bureaus but of course they dont conduct a real investigation because if they did nothing will be anyones credit. I am requesting this account be removed it is hurting me in negative ways especially score, and preventing me from doing certain things.

Company response to consumer: Closed with explanation