vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As a federally protected consumer, I have the right to privacy, accuracy, and fair handling of my personal information under the Fair Credit Reporting Act ( FCRA ). My data must be maintained with confidentiality, and any information reported about me must be accurate, complete, and verifiable. 

I am formally disputing the items referenced in my attached documents. These entries are inaccurate, misleading, and not supported by proper verification, which places them in violation of FCRA 602 ( a ), 607 ( b ), and 611. Reporting information that can not be verified or substantiated is unlawful and harmful to my character, financial reputation, and consumer rights. 

I am specifically requesting : Deletion of all accounts and entries that are unauthorized, inaccurate, or unverifiable. 

Correction or removal of all late payment notations that are misleading or not supported by documented proof. 

A full explanation of the method of verification used for each disputed item. 

If any furnisher of information can not provide documented, original evidence substantiating these late payments or negative entries, the information must be removed as required by federal law. 

I have enclosed all supporting documents, including an invoice for damages resulting from inaccurate reporting. I expect a response and completed investigation within the timeframe required under FCRA 611. 

Thank you for your prompt attention to this matter. 

THESE ITEMS MUST BE DELETED/UPDATED/CORRECTED WITHIN XXXX  DAYS ACCORDING TO XXXX  LAW!

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 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year> I received an email about my minor sons acct debit card which prompted me to check the app. Upon checking I noticed a balance sitting in my restricted capital one 360 checking acct. in the amount of {$580.00}. I contacted Capital one on XX/XX/year> and spoke with a very nice representative who advised that the acct was restricted and would have to be closed and funds transferred to an external account which would take XXXX business days. XXXX reaching out hoping to get this process expedited as I currently am homeless and use the address on file strictly for mail purposes. I opted for the funds to be transferred to the teen checking acct. Can someone please assist me in expediting these funds to the teen account? I sleep in a car overnight and could really use the funds the number pertaining to this acct is confirmation of closure XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XX/XX/year>, I purchased furniture from XXXX XXXX using store-provided promotional financing that was represented and sold to me as a XXXX ( XXXX ) no-interest agreement. 
Beginning in XX/XX/year>, interest began appearing on my Synchrony Bank account, which was inconsistent with the agreed-upon promotional terms. 
I contacted XXXX XXXX, and the store manager confirmed that the XXXX no-interest promotion is documented in the internal notes on my account and also confirmed this in writing via text message. The sales man that sold us the couch also confirmed this. However, the store stated that they could not provide a copy of the contract or written promotional documentation. 
I then contacted Synchrony Bank to formally dispute the interest charges as a billing error. Synchrony Bank representatives stated that the account was entered as a XXXX promotion and refused to open or document a billing dispute despite my request. 
I am requesting correction of the promotional financing term to 36 months no interest and a full reversal of all interest charged in error. I am also requesting that Synchrony Bank accept and investigate this dispute as required under the Fair Credit Billing Act.

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 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Repeated phone calls to with no resolution to offer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AXOS FINANCIAL, INC.
State: TX

Complaint narrative:
Axos Bank issued a FINAL Regulation E determination on XX/XX/year> stating that my fraud claim was upheld and that {$300.00} was permanently credited to my account, with full use of the funds. 

Despite this final decision, Axos : Removed {$300.00} from my NEW account Applied it as a charge-off to a CLOSED account tied to the fraud Reported the same amount to ChexSystems Demanded payment for funds already determined to be unauthorized This action contradicts Axoss own final Reg E determination and constitutes an unauthorized electronic fund transfer, wrongful offset, and incorrect consumer reporting.

I am requesting : 1 ) Immediate restoration of {$300.00} 2 ) Reversal of the charge-off 3 ) Deletion ( not paid ) of all ChexSystems reporting 4 ) Written confirmation that the closed account has a {$0.00} balance I have attached Axoss final Reg E letter and proof of the unauthorized debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I am disputing an unauthorized card charge processed on my Golden 1 card. This dispute is directed to Golden 1 in its role as the card issuer responsible for investigating and resolving unauthorized or improperly authorized transactions on my account. 

Transaction and amount in dispute Date : XX/XX/2025 Merchant : XXXX XXXX charged : {$170.00} Amount disputed : {$130.00} ( Executive Membership renewal added at checkout ) What happened During an in-store XXXX checkout XXXX XX/XX/2025, my card was charged {$170.00}. I believed I was paying only for my merchandise. I later reviewed the receipt at home and discovered a {$130.00} Executive Membership renewal had been added to the transaction. 

I did not knowingly authorize any membership renewal, and I did not provide informed consent for an additional {$130.00} charge. The renewal was not clearly presented to me as a separate, optional purchase before payment was processed. I did not agree to purchase or renew an Executive Membership. Why this is a card dispute This is a dispute of a
n unauthorized or improperly authorized charge. I am not asking Golden 1 to change XXXX membership policies or decide who is allowed to refund a membership. I am asking Golden 1 to investigate whether the merchant obtained valid authorization to charge my card an additional {$130.00} and to use applicable dispute/chargeback rights if authorization can not be proven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Changes in terms mid-deal or after closing
Company: Goal Structured Solutions, LLC
State: MT

Complaint narrative:
Subject : CFPB Complaint Student Loan Related to Closed School ( XXXX XXXX ) I am submitting this complaint regarding a private student loan serviced by XXXX XXXX that was issued solely for my enrollment in XXXX XXXX. 

XXXX XXXX has ceased operations and is no longer providing instruction or access to the program I enrolled in. As a result, the school is unable to fulfill its contractual obligations, and I am unable to complete or continue the education for which this loan was issued. 

After contacting XXXX XXXX, I was granted a three-month forbearance while they investigate the schools closure. During a follow-up call, I was informed that there were no updates yet and that the investigation was still ongoing. However, I have since received notice that my loan is scheduled to return to repayment on XX/XX/year>, despite the investigation remaining unresolved. 

I believe it is inappropriate to resume repayment while a school-closure and breach-of-contract review is still pending. I entered into this loan in good faith solely to attend this program, which is no longer available through no fault of my own. 

I am requesting that XXXX  XXXX  : * Maintain my loan in forbearance or administrative hold until the investigation is fully completed * Provide written clarification of the status and timeline of their investigation * Review my loan for discharge, cancellation, or other relief available due to school closure and inability to complete the program * Ensure that no negative credit reporting occurs while this matter is under review I have made payments in good faith and am attempting to resolve this matter promptly and responsibly. I am seeking a fair resolution based on the fact that the educational services promised are no longer being provided.

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
LENDER misled me by steering me away from income-driven repayment plans, which would have made my payments more affordable and eligible for eventual forgiveness. Instead, I was repeatedly encouraged to enter forbearance or deferment, causing my loan balance to balloon due to capitalized interest. This manipulation has led to years of financial strain and has profoundly affected my ability to meet my financial obligations. In addition, LENDER has a history of misreporting my payment status to credit agencies, severely damaging my credit score. Affecting my ability to buy my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CT

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from a Connecticut dealership and financed the purchase through Westlake Financial Services. The retail installment contract listed an amount financed of {$11000.00} and a finance charge of {$3700.00} at 18.9 % APR, even though the vehicles cash selling price was {$10000.00}. My {$1600.00} down payment was not properly applied to reduce the principal balance ; instead, it was offset by added fees and optional products, effectively forcing me to finance my own down payment. 

Between XX/XX/XXXX and XX/XX/XXXX, I made installment payments totaling {$2100.00}, in addition to the {$1600.00} down payment ( total paid : {$3700.00} ). Statements from Westlake confirm these payments. 

On XX/XX/XXXX, I submitted a formal dispute under the Truth in Lending Act ( TILA ) regarding : - Misapplication of my down payment - Undisclosed finance charges and inflated amount financed - Misrepresented insurance requirements ( mandatory {$250.00} deductible and {$1500.00} " Choice Service Contract '' presented as protective coverage without disclosure as optional ) Westlake Financial responded on XX/XX/XXXX, stating only that they received the approved contract and advising me to contact the dealership. They did not provide documentation or conduct a lawful investigation as required under TILA 1666 ( a ) and Regulation Z ( 12 C.F.R. 1026.13 ). 

On XX/XX/XXXX, I issued a Final Notice of Non-Compliance, citing violations of TILA, Regulation Z, and Connecticut law. Westlake has failed to correct the contract, refund improperly charged amounts or provide documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I reviewed my credit report and seen some collections from accounts i didnt open

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, my father sent me {$200.00} on Cash App for XXXX and I had an atm withdrawal of {$180.00} that happened in Michigan. I was so confused and even got a police report done on it. They denied my dispute, appeal, and completed the issue when I tried to complain and demand my refund the third time. Then told me they weren't gon na be able to refund it because it couldn't be reopened. I am so beside my self because I'm not working and really needed that money. The fraudulent charge happened at XXXX XXXX  on the XXXX and the transaction prior that I actually made was XXXX minutes before in California where I'm residing. On my statements is all California transactions and it's pretty obvious that it's fraudulent. This is my second complaint I'm doing on this matter because they said they would take up to 60 days to respond and I already received a response today. Im gon na include the email along with all the proof that I included in the first complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: SD

Complaint narrative:
Jefferson Capital Systems appears to have purchased several of my charged off credit car accounts, including those from XXXX XXXX  XXXX ( on record thru XX/XX/XXXX ), XXXXXXXX XXXX ( on record thru XX/XX/XXXX ), and XXXXXXXX XXXX ( on record thru XX/XX/XXXX ). Jefferson Capital Systems has consolidated these XXXX debts into a single new debt, and also added it to my credit report, meaning the same debt is now listed twice on all my credit reports - Once under Jefferson Capital Systems, and once under each of the three original credit issuers above. All three original credit issuers are still updating the collection status of the debt, each reporting as recently as XX/XX/XXXX. This amounts to the same debt being listed illegally twice on all my credit reports. Jefferson Capital Systems has been made aware of this fact and refuses to remove their duplicate entries from my report. Each of the above accounts went to collection in XX/XX/XXXX due to XXXX. However, Jefferson Capital Systems has listed themselves as an original creditor, as of XX/XX/XXXX. They state the debt will report through XX/XX/XXXX, beyond the date of the original debts above. Jefferson Capital Systems has updated the total amount as of XX/XX/XXXX, meaning that the original creditors are reporting the debt more recently than even Jefferson Capital Systems! Despite repeated attempts, Jefferson Capital Systems has refused to respond to attempts to validate this debt and has refused to respond. The only response I received during a phone call was that they " could do whatever they wanted and you can't stop us ''. They are violating federal law by reporting the debt as a duplicate in addition to the original creditors who are still attempting to collect the debt. They are violating federal law by reporting it beyond the dates of the original debts. They are violating federal law by refusing to respond to requests that they validate the debts. Online searches reveal that this is their modus operandi. They are foxes in the hen house and should be treated as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Remitly, Inc.
State: WA

Complaint narrative:
On XX/XX/year>, I intended to send {$3000.00} to XXXX using Remitly. The fee page showed several options for not using bank account : 1 ) XXXX XXXX : {$61.00}, 2 ) XXXX XXXX : {$61.00} ; 3 ) XXXX XXXX : {$150.00}. Comparing to {$29.00} for bank account transfer, the XXXX XXXX option seems reasonable and the fixed fee lead me to think it's a flat fee to use XXXX XXXX. After I choose the XXXX XXXX, the next confirmation page still shows the fee is {$61.00} and there is no more total charge confirmation beyond that point. However, after I selected the instrument in XXXX XXXX, I was instantly charged for {$3100.00} in my card, which shocked me. 
It's OK for me to pay XXXX XXXXXXXX more for using cards in my XXXX XXXX, but not XXXX XXXXXXXX. If I knew it would charge the same amount as using credit card directly, I would not use XXXX XXXX at all. 
I asked to cancel the transfer and they said they'll try to do that, but there is no update yet. 
Regardless the result, I think it's a misleading XXXX  to trick customers to use high fee option

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/24, in connection with a mortgage-related real estate transaction, I initiated a wire transfer in the amount of {$52000.00} from my Capital One account using wiring instructions that appeared legitimate in the context of the transaction.

After funds were sent, I later learned that the wiring instructions were fraudulent. Upon discovery, I reported the issue to Capital One and requested assistance. I did not receive proactive outreach or status updates regarding the handling of my case. I had to make repeated calls to Capital One 's fraud department to obtain information.

During these communications, I was advised that the matter was in the hands of the receiving bank and that Capital One could not provide additional information. I was not provided with clear details regarding timing of any recall request, escalation steps taken, or follow-up actions coordinated with the receiving bank.

Wire fraud in real-estate transaction is a known and foreseeable risk. I am concerned about the adequacy and timeliness of Capital One 's post-notification response, including escalation, interbank coordination, and customer communication after the fraud was reported. I am submitting this complaint to request a formal written response explaining Capital One 's actions after notification of the fraud, including steps taken to attempt recovery, how responsibility is allocated in such situations, and what communication protocols apply when customers report wire fraud.

I am prepared to provide supporting documentation upon request, including wire confirmation, dates of communication, and timeline of events.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding Cavalry Portfolio Services for inaccurate and unverifiable debt collection reporting. Cavalry is reporting a collection account on my credit reports for approximately {$12000.00} ( original creditor : XXXX XXXX ). 
I disputed this account with XXXX on or about XX/XX/year>. Equifax completed the dispute investigation on XX/XX/year> ( confirmation number : XXXX ), and I was later notified on XX/XX/year>, that the account would remain on my credit report. The account continues to report as unpaid and includes dispute-related remarks such as consumer disputes this account information. 
I requested written debt validation directly from the collector, including proof of assignment/ownership ( chain of title ), the original contract/agreement, and an itemized breakdown of the amount claimed. I have not received sufficient documentation to validate the alleged debt or confirm the accuracy of the balance and reporting. 
I am requesting CFPB assistance to require Cavalry to provide proper validation and correct or delete any inaccurate or unverifiable credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I apply for a HELOC from the Navey Federal Credit Union. NFCU XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX. I was pre approve for the loan, then they came back and told me that denied the lone because of my Permanent Resident Alien documentation requirements not met. I am a 100 % XXXXXXXX XXXX who has honorable discharge XXXX XXXXXXXX XXXX I give them all requirements i need for the lone. I own my home which was bought through the the my service in the XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: DISCOVER BANK
State: NJ

Complaint narrative:
I disputed a charge on my Discover credit card for XXXX XXXX  I never received the item I live in A community with over XXXX XXXX. We all use the same address if they dont use the unit number they put the package in front of anybodys door. I got in touch with the company, the company put an insurance claim in with the carrier and they got paid from the carrier, they sent me a letter stating that they are not gon na pursue the dispute, but they can not give me a refund because I disputed the transaction Discover closed the dispute in their favor. I submitted this paperwork that I received that I am due the credit because they already got paid through the insurance company to discover and they told me that they still wouldnt give me my refund or reopen the dispute now the company was paid twice through the insurance company and through my credit card. I want a refund for the amount due to me that the company sent me a letter and said that Im due that amount.

Company response to consumer: Closed with explanation