vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rausch Sturm LLP
State: MS

Complaint narrative:
To Whom It May Concern : This letter concerns a default judgment obtained by XXXX XXXX XXXX in XXXX, pertaining to a debt originally held by XXXXXXXX XXXX. I am writing to express my serious concerns and to demand immediate cessation of collection efforts, including the pending wage garnishment at my bank. In early XXXX, XXXX XXXX issued me a XXXX, Cancellation of XXXX form, for the debt in question. This form, as I understand it, signifies that XXXXXXXX XXXX had effectively written off the debt. I possess a copy of this XXXX as proof. I previously provided XXXX XXXX XXXX with a copy of this XXXX and a detailed explanation of its implications. Despite this, XXXX XXXX XXXX has continued to pursue the default judgment and has initiated a wage garnishment that has been pending for over XXXX days. This continued pursuit, in light of the XXXX, is unacceptable and, I believe, unlawful. It is my understanding that attempting to collect on a debt after a XXXX has been issued by the original creditor is a violation of the Fair Debt Collection Practices Act ( FDCPA ). The issuance of the XXXX by XXXX XXXX XXXX XXXX effectively resolved the debt, and XXXX XXXX XXXX XXXX continued collection efforts, particularly after being presented with proof of the XXXX, constitute a clear violation of the FDCPA. I demand that XXXX XXXX XXXX immediately cease all collection activities related to this debt, including the pending wage garnishment. I further request written confirmation that the default judgment has been vacated and that all negative reporting related to this debt has been removed from my credit report. I am unsure whether XXXXXXXX XXXX or XXXX XXXX XXXX is ultimately responsible for this situation. However, I am certain that the continued pursuit of this debt is unlawful and causing significant financial hardship. I expect a prompt and satisfactory resolution to this matter. Failure to comply with this request will leave me with no option but to pursue all available legal remedies. Sincerely,

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 2026-05-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB Corporation
State: FL

Complaint narrative:
I am filing a complaint against USCB Corporation and XXXX XXXX for reporting completely inaccurate, conflicting, and re-aged information on my credit report. I have attached XXXX pieces of evidence showing their systemic reporting errors : Re-Aged Account Date : My official institutional enrollment date with XXXX XXXX was XX/XX/XXXX ( Proof attached ). However, USCB Corporation is reporting to the credit bureaus that this account was opened on XX/XX/XXXX. This is a direct violation of the FCRA. Inaccurate and Conflicting Balances : The collection agency is reporting a balance of {$1600.00} on my credit file. However, they issued a collection letter stating the balance is {$1500.00} ( Proof attached ). They can not legally report an inflated balance to the bureaus that contradicts their own billing statements. Unearned Tuition : I only attended this program for approximately 3 months before withdrawing due to contracting XXXX. I am not legally responsible for the full program amount, and the balance being reported is entirely unearned and inaccurate. I demand that this inaccurate, conflicting, and falsified trade line be completely deleted from my credit file immediately.

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 2026-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I contacted Navy Federal because my vehicle payment had become financially unaffordable, and I was seeking assistance with lowering my monthly obligation while remaining in good standing. During discussions with Navy Federal representatives, I was advised that selling my vehicle through XXXX was a solution to address the situation. I relied on that guidance in good faith, believing it would improve my financial position and reduce my monthly burden. Instead, after following that recommendation, I was left with a remaining balance of approximately {$17000.00}, structured at a required payment of {$730.00} per month at 0 % interest over approximately XXXX months. I also now have a separate replacement vehicle payment of {$440.00} per month, resulting in over {$1100.00} in monthly vehicle obligations, far worse than the financial hardship I originally contacted them to avoid. At no point did I clearly understand that following this recommendation would leave me in a significantly worse financial position with such a high mandatory monthly payment and no workable alternatives. When I contacted Navy Federal again seeking assistance, I was told there were no hardship options, no additional restructuring options, and no payment flexibility available. I was instead referred to financial counseling, which does not resolve the actual issue of the unaffordable loan payment. I am requesting a formal review of this matter, including review and preservation of any recorded calls or communications where this recommendation was made, and a fair resolution that provides a realistic and sustainable repayment option. As an institution serving military members, veterans, and their families, I expected clearer guidance and better assistance in avoiding financial harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 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: Westlake Services, LLC
State: FL

Complaint narrative:
I am requesting a formal investigation into an improperly included {$2500.00} extended warranty/add-on product that was financed through my vehicle loan with Westlake Financial. Shortly after the loan was finalized, I identified the {$2500.00} warranty charge and contacted Westlake Financial within approximately XXXX hours to dispute and request cancellation. I did not knowingly agree to or intend to finance this extended warranty at the time of purchase, and I immediately requested that it be removed from my loan. During my initial call, I was advised that the issue may involve potential dealership fraud and that Westlake would initiate a review/audit of the dealership and submit a cancellation request for the warranty. I was instructed to follow up in XXXX days to confirm cancellation. When I followed up, I was repeatedly transferred between departments and was unable to obtain confirmation that a cancellation request had been processed, that the warranty had been canceled, or that any refund or credit would be applied to my loan balance. I made multiple attempts to resolve the issue, but no clear resolution was provided. I also previously submitted a complaint regarding this issue. That complaint was closed by Westlake Financial with a determination that the issue was not for them, despite the warranty being included in the financed loan and directly affecting the loan balance. At present, the {$2500.00} warranty remains included in my loan balance. I have not received written confirmation of cancellation, documentation of any refund or credit, or evidence that a cancellation request was properly submitted or processed. Additionally, I was informed that the third-party warranty provider does not show the product as active, creating inconsistency between the financed charge and the product status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I had to make a new XXXX XXXX XXXX account XXXX account got frozen

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
Credence Resource Management , LLC on behalf of XXXX XXXX XXXX owe them {$890.00}. My account with XXXX has been cancelled since XX/XX/year>. XXXX apparently continued to charge my account for service they could not possibly have been providing. The reason it can not be possible is because I switched to XXXX XXXX on XX/XX/year>. XXXX XXXX transferred my phone number from XXXX to XXXX. XXXX could not have possibly been providing service for a phone number that they don't even have anymore. My XXXX account was completely inaccessible since I switched to XXXX XXXX, and any attempts to access my XXXX account through customer service failed because they could not find the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Two incidents have occurred : Several times, I received fraudulent charges on my Barclay 's credit card. I contactted Barcaly 's and they issued new credit card accounts. I learned that Barclay 's issued an unauthorized credit card to a stranger in XXXX XXXX, XXXX. The stranger fraudulently charged ~ $ XXXX to the credit card and changed information to my my online account information and blocked my access ... a complete failure of Barclay 's security. I contacted Barclay 's several times by telephone and letter. To date, I received copies of past credit card statements and a collections letter. Barclay 's response has been negligent to my request to resolve these fraudulent charges. During the second incident, I received a notice that I was denied an auto loan for which I did not apply. The rejection letter came from XXXX XXXX. Barclay 's is in the process of transferring accounts to XXXX XXXX. I suspect that Barclay 's security failure has something to do with the auto loan application.

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 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
b'My employer received a call from that number XXXX XXXX asking for me for a debt I owned they said they were portfolio recovery but ever since I paid it all the money from my bank getting drained'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX Credit Card Closed my Account ending in XXXX and advised it was due to my inability to pay. I have a flawless credit history with the company and the Card was paid in full at the time of the closure. XXXX credit advised it was closed because they were contacted by a credit consolidation company that the card had been included in a credit consolidation plan " XXXX XXXX XXXX '' this is incorrect. The card was never included and the card had a XXXX balance so there is no reason to have it include. I was on Vacation in Hawaii when my card was suddenly revoked. I was stranded with no funds and had to rely on friend when my card had a XXXX balance. During attempts to get the card reopen I was transferred around 5 times and hung up on. I have been discriminated against by this company and I am ask the CFPB to help enforce my consumer right in the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
A company called to collect a debt for Acima leasing for a couch I purchased back in XXXX. I have not received any emails or calls about this until now. I was unaware that a debt was still owed as I was going through financial difficulties at the time. They reach out to a relative on XX/XX/XXXX. Seemed a little sketchy because 2 people were talking 1 telling the other what to say. They gave a case number and phone number to call. I contact the number and gave them the case number. The said I had to set up a payment plan but refused to give me the info in writing. Said I would get a receipt after the payment but that also was sketchy. They stated that legal processes would be taken however the I dont have anything in black and white to verify the validity and I was unable to verify the phone numbers I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b governing the permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or any lawful authorization. I did not provide written instructions permitting the collection, use, or disclosure of this information. This conduct constitutes a clear violation of federal law, and I have formally disputed the items at issue.

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 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
Validation of Debt Request - CAINE WEINER - XXXX 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 non-monetary relief
Consumer complaint received 2026-05-13 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: CT

Complaint narrative:
On XX/XX/year>, I received an email from Cash App stating that my account was closed for violating their Terms of Service. The email only included a link to the full Terms of Service document with no specific clause or reason cited. I submitted an appeal and was asked to provide information to support my case however, I still had not been told what I allegedly violated, making it impossible to properly defend myself. On XX/XX/year>, I was informed that my appeal was denied. Again, Cash App only provided a link to their Terms of Service with no specific citation or explanation of what rule I broke. I called Cash App on XX/XX/year>, to escalate the matter, but was told that appeals and special cases are handled by email only, leaving me no other way to get a direct answer. To date, Cash App has never identified the specific provision I allegedly violated or explained how it applies to my accoun

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
This debt collector has engaged in practices that appear to violate the Fair Debt Collection Practices Act ( FDCPA ). The account in question was furnished to the credit reporting agencies without my authorization and without any signed agreement or contract between myself and this collector. To my knowledge, I have never entered into any contractual relationship with this company. Furthermore, I have not been provided with proper validation of this alleged debt as required under federal law. Despite reporting this account to the credit bureaus, the collector has failed to supply sufficient documentation proving that I am legally responsible for the debt, including a signed agreement or other verifiable evidence. Reporting an unverified debt and failing to properly validate it may constitute a violation of my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ). This inaccurate and unverified information is negatively impacting my credit profile. I am requesting that this account be thoroughly investigated and, if the company can not provide proper validation and documentation supporting the accuracy of the debt, including a signed contract by me that it be immediately removed from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I've never missed a payment and never been late on a payment yet they closed 11 store card accounts at the same time, most of them without balances for activity is indicative of failure to pay.

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 2026-05-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, This letter serves as formal follow-up regarding my prior disputes and my complaint filed with the Consumer Financial Protection Bureau concerning fraudulent accounts, collections, and unauthorized inquiries appearing on my credit reports. I have already provided all required documentation supporting my identity theft claim, including documentation sufficient to establish that the disputed information resulted from unauthorized use of my personal identifying information. I have also provided prior notice directly disputing these items and requesting correction or deletion. Despite these submissions, the disputed information continues to appear on my consumer reports and/or remains improperly reported. Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies and data furnishers are required to conduct a reasonable investigation of disputed information and correct or delete information that is inaccurate, unverifiable, or the result of identity theft. I am formally demanding the following : Immediate deletion of all fraudulent and unauthorized collection accounts associated with identity theft. Immediate removal of all unauthorized hard inquiries from my credit file. Written confirmation of all deletions and corrections made to my consumer reports. Copies of the method of verification used for any item that you continue to report as verified. If these items remain without lawful verification or continue to be reported inaccurately, I reserve the right to pursue additional remedies through the appropriate regulatory agencies and any other remedies available under applicable law. Please provide a written response within 15 business days from receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I am writing to request a stop payment on an echeck that was sent in error from my account. Please advise as I need the money back!!! I have been trying to cancel the {$250.00} I paid XXXX XXXX. The e check was talking so long to clear that I had to pay my mover immediately, it was clearing on friday. I already had sent them money in XXXX and want my money back to my account, there was no cancel of the check despite it showing pending. Paypal account and Transaction/Check Number : XXXX Payee : XXXX XXXX Amount : {$250.00} Date Initiated : XX/XX/year> This payment was sent by mistake and I would like to stop it before it is processed. Please confirm receipt of this request and advise on any next steps or fees associated with the stop payment. I have alerted my bank as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I received a letter to CFPB ABOUT MY CASH CHECK OH THE LETTER CAME FROM XXXX XXXX EXPLAINING WHAT IS TAKING NORMALLY AFTER A STOP WAS PUTTING ON A XXXX CHECK AFTER XXXX DAYS, THE MONEY SHOULD BE RELEASED THE SUM OF {$150000.00} WAS HELD BY THE XXXXXXXX XXXX NOW THEY SAID THEY WILL BE SENDING THE CHECK BACK TO THE ISSUED BANK NOW IVE CONTACTED THE ISSUE TO BANK WHICH IS WELLS FARGO YEAH YET TO RECEIVE TELEPHONE INFO XXXXXXXX XXXX ABOUT THE CASHIERS CHECK ITS OVER XXXX MONTHS NOW AND IVE NOT GOTTEN MY MONEY. I WANT AN ACTION TO BE TAKEN. I WANT TO WANT MY MONEY RELEASED.

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