vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: North State Acceptance, LLC
State: GA

Complaint narrative:
On XX/XX/year>, I made a {$1200.00} payment to XXXX XXXX for use of a vehicle. Shortly after receiving the vehicle, it began experiencing mechanical issues that made it unreliable and unusable for the intended purpose. Because the vehicle was not functioning properly, I returned it to the merchant. The merchant later claimed the vehicle was repossessed, which is inaccurate. The vehicle was voluntarily returned due to mechanical problems and the merchants failure to provide a functional vehicle as agreed. Despite the vehicle being returned and the service not being properly delivered, the merchant retained the {$1200.00} payment. I also made additional payments of {$200.00} while attempting to resolve the situation and while waiting for the vehicle to be repaired. I filed a dispute with my financial institution on XX/XX/year>, explaining that the vehicle was defective and that the merchant failed to provide the promised service. However, the dispute was denied after the merchant characterized the situation as a repossession, which does not accurately reflect what occurred. The financial institution did not provide the documentation or evidence used to support its determination and appears to have relied solely on the merchants unsupported claim. I believe this investigation was incomplete and did not adequately consider the facts of the transaction or the documentation I provided. I am seeking review of this matter and assistance in recovering the {$1200.00} that the merchant improperly retained.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XX/XX/year> I deposited XXXX checks. XXXX for about {$4000.00} and the other for {$12000.00} and some change. I was told XXXX days it would be held, then now they are saying XXXX days because they refuse to verify the funds. Navy Federal is a XXXX bank, who also still practices red-lining.

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 2026-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
Ive never missed a payment in almost a XXXX years. Ive had the car I was paying biweekly when I first purchased the vehicle. I decided to change to monthly in XX/XX/year>, which I paid the wholesome for that month after that point they have been asking me for an additional {$280.00} out of nowhere. They cant prove what its for is affecting my Credit. Theyve looked at my account. They know that I dont owe them any money but yet and still theyre affecting my credit theyre reporting to the credit agency that I owe the money when they absolutely know that I dont. Ive sent them a. They cant prove what its for is affecting my credit. Theyve looked at my account. They know that I dont owe them any money but yet and still their affecting my credit theyre reporting to the credit agency that I owe the money when they absolutely know that I dont. Ive sent them a certified letter with the payment statement that they sent me to prove to them that I dont owe them anything they will not fix this and its affecting my credit and they wont help me. They wont fix it so I dont know what else to do when I cant afford an attorney. I will be contacting the Credit companies after I get information from you guys from your company.

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

Complaint narrative:
On XX/XX/XXXX a little after XXXX XXXX. someone hacked my Cash App account & transferred themselves the {$560.00} on that account & then proceeded to pay off the loan I had just paid & renewed on XX/XX/XXXX, then they dis that XXXX more times for {$550.00} each time drawing money from my credit union attached debit card until that account was empty causing my rent check to bounce & I couldn't make my car payment. I get the same response from Cash App every time I try to talk to them, but they won't let me talk to people actually investigating to find out what's going on. They paid my credit union back, bit now Cash App has put that money as a negative balance on my Cash App account instead of taking it off as fraudulent transactions & holding me responsible for that negative balance, plus no feedback on the original {$560.00} on that account. I filed a police report with XXXX XXXX Police # XXXX. I am extremely frustrated with Cash App for not being able to communicate effectively with them. Makes me think it's all AI generated. They have done nothing to help me with this person who logged into my account on a device I do not recognize & did not give this person permission, authorization nor did I have any knowledge of this person until my money was stolen. Cash App has been useless in giving me the information I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I received an email from Paypal to say I made a XXXX XXXX transactions for XXXX. I called the phone number on the bottom of the email. An associate named XXXX said it was for XXXX XXXX from XXXX. Invoice # XXXX, XXXX XXXX. I do not have a paypal account. I tried to create a Paypal account and it said I had an existing account. My email address XXXX was there and part of a phone number that XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have a phone number that is any of these partial numbers. So I did security questions and my answers did not match. So could you please look into this matter. My phone number is XXXX. I told. the associate from Paypal to cancel the transaction and then he hung up the phone. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

Complaint narrative:
CONSUMER COMPLAINT SUMMARY I am filing a complaint regarding a vehicle financing transaction involving AUTONOW FINANCIAL SERVICES INC XXXX XXXX XXXX. The transaction contains the following issues : XXXX. The entire contract package ( over XXXX pages requiring multiple signatures ) was executed in approximately XXXX minutes, preventing meaningful review or informed consent. XXXX. I was charged for a XXXX XXXX XXXX ( XXXX ) that explicitly states it provides no benefit XXXX me XXXX only protects the creditor. XXXX. I was simultaneously charged for overlapping financial products, increasing the total cost of the transaction. XXXX. A repossession agent acting on behalf of the lender engaged in conduct constituting a breach of the peace, including refusing XXXX leave, blocking my vehicle, XXXX preventing me from leaving the premises. XXXX. The balance of the account is disputed XXXX has not been properly validated. I am requesting investigation into these practices XXXX appropriate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I came to Wells Fargo to wire money over to an attorney for the closing on my condo on XX/XX/year>. At XXXX XXXX, the wire was initiated and sent. I laid out the wire instruction document to the banker as it was sent to me by the attorney. When he asked me to verify it, I told him the account name and address of where he was sending it was wrong. The banker replied to me that they go off of the header, not the instructions. He wired the money over which was to be used on XX/XX/year> at XXXX for my condo closing. An hour after the wire was submitted, the attorney called me and said they had still not received the money and asked for me to send a picture of the receipt, which is where she noticed that the account name was wrong. I came back to Wells Fargo in person, and the banker told me it was my fault because I allowed him to send it, even though he didnt follow the instructions that were sent to me by the attorneys office. Currently, it is XX/XX/year> at XXXX XXXX, I am at Wells Fargo and they are saying it will be atleast XXXX hours before I will get my money back and wire the money over again. This has completely jeopardized my condo closing.

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 2026-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a formal complaint regarding a disputed medical collection account reported by XXXX XXXX XXXX in the amount of {$2500.00}. This account allegedly stems from an emergency room visit on XX/XX/year>. I was treated for approximately XXXX hours and was billed separately by the hospital, which has already been addressed. I never received any bill, notice, or communication from XXXX XXXX XXXX XXXX regarding this alleged debt prior to it being placed in collections. It has now been nearly XXXX years since the date of service, and this is the first time I am being made aware of this charge. I disputed this account with XXXX and Experian , and it was marked as verified. However, no proper validation has been provided. Despite multiple requests, neither XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX has supplied : -An itemized bill -CPT billing codes -Proof of services rendered -Proof that I am legally obligated to pay this debt -Proof that the collection agency is authorized to collect this debt The failure to provide any billing for nearly XXXX years raises serious concerns regarding the accuracy, validity, and enforceability of this alleged debt, as well as compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Additionally, I did not select or have prior knowledge of this provider, and this billing appears to be a potential violation of the No Surprises Act, which protects patients from unexpected out-of-network charges in emergency situations. I am requesting the following : -Full and proper validation of this alleged debt -A complete itemized bill including CPT codes -Proof of legal obligation and authorization to collect -Immediate deletion of this account from all credit reporting agencies if proper validation can not be provided This matter is causing ongoing harm to my credit and financial standing. I am requesting an immediate and thorough investigation, along with appropriate corrective action. Sincerely, 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 2026-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: FL

Complaint narrative:
# XXXX. I am filing this because the company provided false information in their previous response by claiming they could not locate my account. I am now attaching the XX/XX/year>, letter from them with my account details to prove they are intentionally stalling.

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 2026-04-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
In XX/XX/year>, I opened a 360 Performance Savings account and a {$20000.00} transfer was made into my Capital One 360 Performance Savings account from a XXXX XXXX XXXX account belonging to my fiance at the time. In XXXX XXXX, Capital One restricted and effectively removed access to my funds. I was told the account was under investigation, but no documentation was ever requested from me, and no timeline was provided. After I filed a complaint with the OCC, Capital One returned approximately {$20000.00} to my account. However, the funds remain completely inaccessible. My account shows a positive balance, but I am unable to withdraw or transfer any money. Capital One has acknowledged that the funds belong to me by returning them to my account, yet continues to deny access without explanation. Additionally, I was issued a 1099-INT for interest income on funds I can not access, creating a tax obligation for money I can not use. This situation has been ongoing for many months without resolution. I am requesting : - Immediate release of my funds - A written explanation for the restriction - Correction or clarification regarding the issued 1099-INT if applicable This prolonged restriction is unreasonable and has caused financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing inaccurate information related to the payment history on an auto loan account that is currently open. After reviewing my credit reports from all three credit bureaus, I identified inconsistencies in how late payments are being reported. The account shows differences in payment history, dates of activity, and reporting details across TransUnion, Experian, and Equifax. This account is currently open and in good standing, and I am not disputing ownership of the account. However, the late payments reported appear to be inaccurate and/or inconsistently reported between the credit bureaus. I previously contacted the creditor directly, but the information continues to be reported inconsistently and without proper verification. Iam requesting that the inaccurate late payments be investigated and, if they can not be properly verified, corrected or removed accordingly. I also request that the account remain open and unchanged, as it is currently active and in good standing. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am filing a formal regulatory complaint requesting immediate intervention by the Consumer Financial Protection Bureau ( CFPB ) against LVNV FUNDING LLC for their systemic, willful, and ongoing non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 15 U.S.C. 1681s-2 ( b ). For over XXXX months, I have repeatedly submitted detailed disputes regarding a materially inaccurate and unverifiable tradeline being reported on my consumer credit file. Each dispute included clear and compelling documentary evidence demonstrating the inaccuracy of the account. Despite this, LVNV FUNDING LLC has willfully failed to conduct a reasonable reinvestigation as required by federal law. Instead, they have relied on a superficial, automated verification processbelieved to be conducted through the e-OSCAR systemresulting in repeated, blind verifications of the disputed account without any meaningful human review or substantive evaluation of the evidence provided. This pattern of conduct constitutes a direct and knowing violation of federal law and binding legal precedent, including XXXX XXXX XXXX XXXX XXXX, NA, 357 F.3d 426 ( 4th Cir. XXXX ), which explicitly prohibits furnishers and consumer reporting agencies from relying on cursory or automated procedures in lieu of a genuine reinvestigation. In good faith, and in an effort to avoid formal arbitration and federal litigation, I served LVNV FUNDING LLCs Legal Department with a Pre-Arbitration Settlement Demand, providing a XXXX opportunity to cure these violations by deleting the inaccurate tradeline. They have deliberately ignored this demand. As a result, LVNV FUNDING LLC continues to publish and disseminate false, incomplete, and highly damaging information about me to third parties, causing ongoing financial harm, reputational damage, and unlawful suppression of my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
I opened a new joint savings account on XX/XX/year>. On XX/XX/year>, the bank deducted {$46.00} from the account, labeled as " XXXX XXXX XXXX XXXX XXXX ''. I contacted the bank 's representative that same day and was informed this was an 'IRS requirement, ' though I have never been notified by the IRS that I am subject to backup withholding. To resolve this, I provided a signed and certified Form W-9. The bank explicitly confirmed via phone that they received and processed this notice on XX/XX/year>. Despite this acknowledgment, the bank proceeded to withhold an additional {$77.00} for federal backup withholding on XX/XX/year>. Under IRS Publication 1281 ( Part 2, Page 7, FAQ : Q19 ), a payer is required to stop backup withholding within 30 days of receiving a valid Form W-9. Because the bank confirmed my certification was received and processed on XX/XX/XXXX, the subsequent withholding on XX/XX/XXXX ( 18 days after processing ) is a failure to comply with federal tax certification procedures. I called the bank again on XX/XX/year>, to resolve this ongoing administrative error. The representative refused to update my account status or reverse the recent charge, instead instructing me to contact the IRS. This is a clear failure by the bank to update my internal tax certification status after explicitly acknowledging receipt of my legal documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Wilber and Associates, P.C.
State: IL

Complaint narrative:
On XX/XX/year>, I contacted Wilber & Associates regarding a {$130.00} payment due for my account. I was instructed by a representative that I could not make the payment until the representative handling my account contacted me to approve continuing my payment arrangement. I followed those instructions and did not receive a callback. When I called back, I was told that it was my responsibility to call again and that I could not make the payment outside of XXXX, which directly contradicts the instructions I was originally given. I requested a supervisor multiple times. The first supervisor refused to escalate and discouraged me from speaking with someone higher. When I finally reached a supervisor, she appeared biased and treated me unprofessionally, giving me conflicting information. I followed the instructions of Wilber & Associates representatives in good faith, and the conflicting guidance and unprofessional behavior caused unnecessary confusion and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
Refer XXXX previous complaints : XXXX XXXX XXXX On XX/XX/year> at XXXX I got a phone call from XXXX XXXX. She said my XXXX payments were using the same payment account. I correct her that the XXXX XXXX were but the XXXX was a different account. I asked her why they failed XXXX times after verifying my accounts. She said the verification was only XXXX verify if the account exists. I corrected her that they actually transferred small amounts of money XXXX XXXX from the account. She said the account could be closed. I asked her for the account number, XXXX she said she didn't have the access XXXX it. I told her the account never closed XXXX still open XXXX asked her to verify it again right away. She said it could not be done on the phone. I told her that their system did the verification right but did the payment wrong. She said she need XXXX do more research on this XXXX would email me after that. I thanked her for that. From the call, XXXX can see that after XXXX days of research, she did not even get the basic facts right. Their explanation of why an account can be verified XXXX then not exist is the account was closed after verification. How can an account be closed XXXX? My XXXX payment accounts are never closed XXXX still be able XXXX pay the amount I intended today if they can process the payment correctly.

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 monetary relief