vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Stellantis Financial Services US Corp.
State: CA

Complaint narrative:
On XX/XX/year>, I purchased a vehicle through a dealership and financed it through Stellantis Financial Services. During the application process, I verbally communicated my actual financial situation, including income of approximately {$1900.00} per month after obligations, {$2400.00} in rent, and ongoing child support obligations. I also clearly stated that I could not afford a monthly payment above {$350.00} {$400.00}. I was asked to sign a credit application that was not fully completed at the time of signing. The credit application that was ultimately submitted reflects total monthly income of {$7000.00} and rent of {$800.00}. These figures do not match my actual financial situation or what I communicated at the dealership. The loan was approved based on this information, resulting in a monthly payment of {$640.00}, which is not affordable based on my actual income and expenses. After reviewing the loan documents, I discovered these discrepancies and contacted both the lender and dealership to request copies of the application, clarification, and review of the loan origination. The issue remains unresolved, and the account is now at risk of repossession. I are requesting a full review of the loan origination, correction of inaccurate financial information, and suspension of repossession activity while this matter is under investigation.

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 2026-02-24 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: FISERV FINXACT CORE
State: CA

Complaint narrative:
I have debit XXXX card I received from California XXXX XXXX XXXX Refund. The debit XXXX card is managed by Money network. There is a balance around {$400.00} and whenever I tried to use the card, it got denied. I have reached out to Money network via phone number and website and do not provide option for me to report issue. It is just automated system with no way to report issue. The website and phone number I contacted are : Phone : XXXX XXXX XXXX XXXX

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 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC

Complaint narrative:
I am submitting this complaint regarding a wrongful reversal of a check deposit and an unauthorized negative balance applied to my account. I deposited a check of {$100.00} to my USAA account on XX/XX/year>. My account had an available balance of {$54.00} prior to this deposit. Since my account is new, USAA places a XXXX-week hold on deposits ; therefore, the funds from this check were never made available to my account. They were still on hold for deposit. On XX/XX/year>, USAA reversed the check deposit, removing {$54.00} from my existing balance and placing my account at a negative balance of {$45.00}. I have the original physical check in my possession and confirm that it was deposited only once. USAAs action has left me without access to legitimate funds and has caused my account to enter a negative balance without justification. I have contacted USAA for clarification, but I have not received a satisfactory explanation or resolution. They told me because it was a glitch neither their mobile/app team nor their customer support team can resolve the issue, it is my loss.

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 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am writing regarding a reported debt of {$1100.00} associated with an account allegedly opened with XXXX XXXX XXXX on XX/XX/year>. Currently XXXX/XXXX RESURGENT XXXX is the current debt collector. I would like to formally state that I am a victim of identity theft. I did not open, authorize, or benefit from this account in any way. The account was opened fraudulently without my knowledge or consent. As soon as I became aware of this matter, I took immediate action to address the situation. I have disputed the account and am in the process of filing ( or have filed ) an identity theft report with the appropriate authorities, including the Federal Trade Commission and local law enforcement, if applicable. I am fully prepared to provide supporting documentation, including an identity theft affidavit and police report, upon request. I appreciate your prompt attention to this serious matter. Please contact me if any additional information or documentation is required to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
My husband passed away on XX/XX/XXXX. I called Chase Credit Card services on XX/XX/XXXX to report his death and ask that no more transactions be allowed on his credit card. I was told that the card would be cancelled and that I would be receiving a packet in the mail regarding his checking and savings account. I never received anything by mail and called again on XX/XX/XXXX. The gentleman I spoke with said that the XXXX credit card was not cancelled. Additional transactions had taken place on the credit card since XX/XX/XXXX. The gentleman cancelled the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: VA

Complaint narrative:
I don't know how but my loan payment was allocated to an already paid off loan. I've requested a refund or reallocation to a loan with a remaining balance. I get the same automatic reply saying refunds could take XXXX days or more and that they can not even guarantee that because refunds are managed by the XXXX Treasury Department. XXXX days has passed. I am not able to reach anyone by phone. Customer service representatives do not exist or answer the phone.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Upstart Holdings, Inc.
State: MI

Complaint narrative:
I'm trying to figure out why my information still hasn't been removed after numerous calls because someone applied for a loan in my name. Upstart sends me marketing emails and this has been going on for months now. I've filed a complaint with a different authority and upstart gave a generic answer that wasn't an answer. I want my information removed, i did not apply for a stupid loan, i never signed up for marketing or privacy emails tf go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XX/XX/XXXX last XXXX XXXX CFPB XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX : Macys / Department Stores National Bank Account ending in : XXXX Issue type : Credit reporting / Fraud claim improperly denied Complaint Description I am submitting this complaint to dispute Macys determination regarding an account they allege was fraudulently opened in my name and their continued attempt to hold me financially responsible without producing competent evidence. On or about XX/XX/XXXX, I received a letter from Macys Fraud Investigation Department stating that they completed an investigation and concluded that I am responsible for the account and charges. Macys claims this determination was based on an assertion that I received benefits from the disputed charges and had knowledge of the debt. However, Macys failed to provide any documentary or admissible proof that I opened, authorized, or benefited from this account. Specifically, Macys has not provided : A signed credit application or cardholder agreement Any electronic signature XXXX XXXX address, device information, or application logs Proof of delivery or receipt of merchandise Any evidence demonstrating my authorization or participation Macys conclusion is based solely on unsupported assumptions, not evidence. Additionally, Macys states that the account was closed due to security concerns, which directly contradicts their position that I am responsible for the debt. Closing an account for security reasons while simultaneously asserting liability without proof is inconsistent, misleading, and improper. Despite this, Macys has indicated an intent to continue reporting the account to consumer reporting agencies, which constitutes inaccurate and unverifiable reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Violations and Concerns Failure to conduct a reasonable investigation Improper shifting of the burden of proof to the consumer Reporting information without verification or evidence Concluding liability without demonstrating authorization Potential willful or negligent violations of the FCRA Requested Resolution I am requesting that Macys : Provide full documentary proof that I opened or authorized this account, including the original application and all supporting data ; or Immediately cease reporting this account to all consumer reporting agencies and request deletion ; and Confirm in writing that I am not responsible for this account or any related charges. If Macys is unable to produce competent evidence establishing liability, continued reporting is inaccurate and unlawful. Additional Information I am prepared to provide identity theft documentation upon request. This complaint is submitted to preserve my rights under federal consumer protection laws.

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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sound Collection Services
State: WA

Complaint narrative:
" I demand the immediate and permanent deletion of this account from my credit report. I was XXXX XXXX XXXX XXXX XXXX for several months following a XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), making it physically and legally impossible for me to receive, review, or respond to any collection notices or validation attempts. Any claim that a 'fair resolution ' was attempted is false, as I was unconscious and unable to defend my rights. I am now formally disputing the accuracy and validity of this debt. Reporting this unverified information while I was incapacitated is a violation of my rights, and it is causing severe damage to my credit and financial recovery. " I suffered a XXXX XXXX XXXX XXXX in XX/XX/year> ( Page XXXX ) and remain XXXX XXXX XXXX XXXX The record explicitly states that I require XXXX care and that a caregiver must manage my finances ( Page XXXX ). Because I have been, and remain, legally and physically unable to manage my financial affairs or respond to notices, any 'resolution ' claimed by the creditor is invalid. Reporting this debt while I am in this condition is a violation of my rights, and I request total deletion. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
On XX/XX/XXXX, I placed an order in Amazon for two XXXX nail polishes and one pair of XXXX sandals, totaling {$70.00}. The nail polish charge of {$24.00} is correctly reflected on my statement. However, the sandals ( priced at {$45.00} ) were returned on XX/XX/XXXX, the very next day after I received them. Amazon confirmed receipt of the return and registered it as received. Despite this, my XXXX statement from Synchrony incorrectly shows only a partial credit of {$19.00}, leaving an erroneous remaining balance of {$25.00} for an item I no longer possess. This is the amount I formally disputed, and I have provided documentation clearly showing that the return was completed and acknowledged by Amazon. Additionally, in my original complaint, I raised concerns regarding the poor customer service I experienced while attempting to resolve this matter. To date, none of your responses have acknowledged this complaint. I am requesting accountability and confirmation that my customer service concerns have been reviewed and addressed, as they are part of this ongoing issue. I have now been forced to continue corresponding about a balance for an item that was properly returned and confirmed as received over 60 days ago. This prolonged situation has caused unnecessary stress, XXXX and significant time wasted attempting to correct an error that should have been resolved promptly. I am confused and concerned by the ongoing inconsistency in how this disputed charge is being handled. In my XXXX statement, I observed an adjustment credit of {$25.00} An Adjustment to Your Account 6 Equal Monthly Payments, 0 % XXXX ). I have attached the relevant portion of that statement for reference. However, in my most recent statement dated XX/XX/XXXX, the same {$25.00} disputed amount has reappeared under my Account Balance Summary, as if the prior adjustment was reversed or never applied, and now I have been asked to pay {$1.00} every moth over something that I don't have. I am requesting a clear explanation for this back-and-forth and confirmation of the current status of the disputed amount. I have been a cardholder for over 15 years, and this is the first time I have experienced an issue of this nature. I respectfully request written confirmation that the {$25.00} balance has been permanently removed, that my account accurately reflects this resolution, and that no further action or correspondence will be required on my part. They are not helping me and I have sent two letters and all the requested paper trail to prove their mistake.

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 2026-02-24 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I was charged for XXXX subscription after cancellation I raised dispute on XX/XX/XXXX they mailed me that they refund the amount and credit score back but they havent till now it XX/XX/XXXX today and also they made me pay the dispute amount by comenity bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Branch Messenger, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I was targeted by a sophisticated XXXX XXXX XXXX '' scam by an individual impersonating Uber Support. The scammer used a fraudulent " driver identity verification '' excuse to induce me into transferring {$300.00} from my Uber Pro Card. Later I have identified that the funds were stolen via an unauthorized " Disburse fund from wallet to external card ''. A fraudulent external card was added to my account to drain the $ $ XXXX failed to flag this suspicious linking of a new external card and the immediate disbursement of all funds I realized the fraud and reported it to XXXX immediately and XXXX asked me to contact the XXXX. I called XXXX and branch failed to freeze the stolen funds. When I called XXXX on XX/XX/XXXX to discuss the fraudulent transfer, the representative told me to report to XXXX. Then I requested to speak with a supervisor, the representative said the supervisor will tell me the same thing. Then he was hostile and hung up on me. On XX/XX/XXXX, XXXX sent me a generic email stating " no error occurred. '' This demonstrates a gross failure to conduct a proper investigation as required by Regulation E ( Electronic Fund Transfer Act ). XXXX is failing its Anti-Money Laundering ( AML ) obligations and consumer protection duties.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
I am a homeowner in XXXX, TX ( XXXX # XXXX ) with a foreclosure auction scheduled for XX/XX/year>. I am filing this complaint because AmeriSave is in violation of RESPA Regulation X ( 12 CFR 1024.41 ) regarding " Dual Tracking. '' I have submitted a complete Loss Mitigation application for a Deed in Lieu of Foreclosure ( XXXX ). On XX/XX/year>, AmeriSave requested additional documents, which I provided immediately. I have now declared my application " Facially Complete. '' Under federal law, AmeriSave is prohibited from proceeding with a foreclosure sale while a complete loss mitigation application is pending. Despite this, the property remains listed for auction XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ). AmeriSave is attempting to steer me toward " repayment plans '' while refusing to postpone the sale to allow for a proper review of my XXXX Furthermore, the property is occupied by tenants protected under the federal Protecting Tenants at Foreclosure Act ( PTFA ). AmeriSaves refusal to postpone prevents a cooperative transition and creates legal liability for all parties.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I am disputing the validity of federal student loans being reported in my name related to XXXX XXXX and serviced by Aidvantage. I never attended XXXX XXXX, never accepted enrollment, never registered for classes, and never participated in any academic activity. I did not authorize any loan disbursement for this school. Despite this, loans were certified and disbursed and are being reported on my credit as valid. I previously disputed this and requested documentation, including proof of enrollment, class registration, attendance records, authorization for disbursement, the schools certification records, and the original loan agreement. Aidvantage did not provide this documentation and instead responded only about payment history and delinquency, which does not address my actual dispute. My dispute is not about delinquency. My dispute is that this loan should not exist at all because I was never a student at XXXX XXXX and never authorized these funds. Aidvantage has failed to investigate the validity of the underlying loan and has failed to provide proof that I ever enrolled, attended, or authorized this debt. I did attend XXXX XXXX XXXX XXXX, not XXXX XXXX. This loan is tied to XXXX XXXX, which I never attended. Reporting this loan as mine without proof of valid enrollment or authorization is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
XXXX XX/XX/year>, an unauthorized XXXX withdrawal of {$3200.00} was made from my Cash App account. I did not authorize this transaction. Cash App confirmed there was an unauthorized login to my account from Kentucky, while I am located in XXXX, NJ. The Bitcoin withdrawal was confirmed on-chain without my permission. The funds were taken from my account balance, which included my tax refund deposit. I reported the fraud immediately, and Cash App is investigating. I am requesting a full refund of the unauthorized transaction under Regulation E protections for unauthorized electronic fund transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diverse Funding Associates LLC
State: WA

Complaint narrative:
" I demand the immediate and permanent deletion of this tradeline. Under the FDCPA ( 15 U.S.C. 1692e and 1692f ), it is an 'unfair and deceptive practice ' to report or collect on a debt that is unsubstantiated or invalid. As proven by the attached medical evaluation from XX/XX/XXXX, I have been XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX ( Page XXXX ). Because I was in a coma and currently require XXXX supervision for cognitive deficits ( Page XXXX ), I was physically and legally unable to receive, understand, or dispute any initial notices within the statutory 30-day window. Furthermore, under FCRA ( 15 U.S.C. 1681s-2 ), furnishers are required to report only accurate and verifiable information. Reporting a debt incurred or processed while a consumer is unconsciousand thus unable to verify its accuracyviolates the 'reasonable investigation ' requirement of the Act. The only fair resolution is the total removal of this information from my credit file. ''

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 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
This information is inaccurate because the deposit in question was not fraudulent and was not intentionally misrepresented. The activity referenced was not conducted with deceptive intent, and I have not engaged in fraud or account abuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: MN

Complaint narrative:
I was in XXXX XXXX in XXXX XXXXXXXX XXXX from XX/XX/XXXX, XXXXXXXX XXXX XXXX while I was there someone Stole my Chime Debit Card XXXX Transactions were made1 while I was in the Hospital. The XXXX Charges are XXXX ) {$31.00} XXXX on XXXX XXXX ) XXXX XXXX XXXX XXXX ) {$200.00} withdrawal XXXX! I made a Dispute # XXXX they denied it. They weren't my Transactions. I want my Money back! Can you help? XXXX

Company response to consumer: Closed with explanation