vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Issue : Navy Federal reversed my provisional credit for unauthorized charges from XXXX. From XX/XX/XXXX through XX/XX/XXXX my account was debited {$25.00} monthly totalling 11 payments by a merchant labeled " XXXX ''. I am disputing unauthorized charges from a merchant listed as XXXX. I have no relationship with this merchant and did not authorize any transactions. I reported the charges to Navy Federal on or about XX/XX/XXXX. Navy Federal opened a dispute and issued a provisional credit on XX/XX/XXXX. On XX/XX/XXXX, Navy Federal reversed the provisional credit and closed the case without providing any evidence that I authorized these transactions. Navy Federal has not shown any signed receipt, device information, login data, or proof linking me to this merchant. XXXX is not an identifiable business, and I never received any goods or services. This should be treated as an unauthorized transaction under Regulation E. I am requesting tha t Navy Federal : 1. Reopen the dispute, 2. Provide actual proof of authorization, or 3. Reissue the credit permanently. I also request removal of any fees or negative balance caused by the reversal. Thank you for your attention to this matter. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX ( XXXX ) XXXX Email : XXXX Current Debit account # XXXX ( prior card # was cancelled and replaced.

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 2026-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I am a co-borrower on a vehicle loan serviced by Credit Acceptance for a XXXX XXXX XXXX. I do not have possession, access, or control of the vehicle. The other borrower has the vehicle and moved it out of state. I can not retrieve it, use it, or control what happens to it. I have contacted the company multiple times by phone and email to explain this situation and request a resolution. I asked for removal as a co-borrower or repossession of the vehicle so the account can be resolved properly. I also requested information about a payment arrangement that appears to allow the other borrower to make small partial payments that do not address the overdue balance. I did not authorize or sign any agreement allowing a modification of the payment terms. The account is currently delinquent by approximately {$4000.00}. Despite this significant delinquency, the company appears to be allowing the other borrower to make small partial payments that do not resolve the delinquent balance. Because I do not have possession or control of the vehicle, I have no ability to recover the collateral or ensure the loan is properly addressed, yet the account continues to negatively affect my credit and financial situation. I have attempted to resolve this issue many times by calling Credit Acceptance and speaking with multiple representatives, but the issue remains unresolved. When I attempted to communicate through email with their compliance department, I was told they do not provide assistance through email and was directed to call customer service again. However, I have already made numerous calls without receiving any meaningful resolution. This situation leaves me financially responsible for a vehicle that I can not access, possess, or control.

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 2026-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I changed my legal name with capital one which caused a security check to flag and block my access to all my accounts. This happened over XXXX weeks ago. I called a customer service rep who told me the issue was related to an old credit card under my old legal name but same Social Security Number. She said she had to merge the accounts but it would take XXXX business days and that would be complete on saturday morning, XX/XX/year>. This agent was extremely rude to me as well. I still had no access in XX/XX/year>. On XX/XX/year> I went into a capital one cafe location to speak with a representative who informed me the previous agent didnt actually resolve or do anything. He even showed me the credit card account she had identified and showed me that it had the old information still and no update was submitted. He apologized and said he could help me contact support and resolve this. We do, they tell me again, XXXX business days and I would have access again by XX/XX/year>. I still do not have access. While waiting for this, I had received a new credit card from this same bank, Capital One, and activated it. It worked on XXXX purchase before the card was locked. When I called to unlock it, I was told I needed to submit bank statements for proof of income but since I'm still locked out of my bank account at Capital One I'm unable to do so. Ive effectively been without any ability to pay for anything, food, rent, transportation, for XXXX weeks now. Ive lost XXXX lbs as a result of lack of food, I will likely have to cancel a trip I have planned next week with tickets I cant get refunds for. I won't be able to continue going to work when my bus pass expires at the end of the month and I will also not be able to pay rent then either.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am disputing the reporting of this account for the following reasons : 1. Inaccurate Status Reporting : The account is being reported as a " Charge-Off '' when in fact it has been PAID IN FULL. On XX/XX/year>, I paid {$9000.00} to satisfy this account completely. The account should be updated to reflect " Paid and Closed '' or " Paid Charge-Off '' at minimum, with a {$0.00} balance. 2. Potentially Inaccurate Balance : Please verify that the balance is being reported as {$0.00}, as the account has been paid in full. 3. Late Payment History Accuracy : I request verification of each late payment mark to ensure the dates and severity are being reported accurately. 4. Date of First Delinquency : Please verify the date of first delinquency is accurate, as this determines when the account should fall off my credit report.

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 2026-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: United Shore Financial Services, LLC
State: LA

Complaint narrative:
I have an insurance claim that was paid to me and my mortage company. The process wherein the mortgage company holds my funds and releases them is intentionally delayed so the mortgage company can make money off the interest of my benefits. They sent partial funds and do virtual reports that are wildly inconsistent and inaccurate and do not process payments within the timeframe that allows for work to be completed. I submitted ceritificate of completion from my contractor 7 business days ago and they have not sent funds in over 10 business days. we have time stamped geo marked work wherein the inspector claims work was not performed. 95 % of the work was performed and they gave 42 % on interim report. Much of the work was completed before the file was even opened that they claim wasn't performed. They have no incentive to respond. There incentive is to delay and minimize payments so they can make money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
Complaint against : Sequium Asset Solutions I requested debt validation from Sequium Asset Solutions regarding a collection account for Spectrum. Instead of providing proper validation, they sent only a billing statement. This does not prove : contractual obligation balance calculation authority to collect Despite the dispute, Sequium continues reporting the account to the credit bureaus. This conduct violates : FDCPA 15 USC 1692g FCRA 15 USC 1681 The account information can not be verified and therefore must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
. And I'm sending this in hopes of getting something done! I have been waiting since to XXXX for a dispute I filed against. A company I bought something from and never received. Every time i contact venmo customer service I get the same answer, that is y'all waiting on the merchant! Well it's been over 2weeks bits been since the XXXX for me the day I placed the order! I have emails I have sent and call records to this company and no answer nor emails back!! The company has a phone number no one ever answers and no vmail service! So ido n't understand what venmo is waiting on this company for cause ok they haven't made any contact with this place so y am I still waiting on my money? I have email from them the first day I made the order stating XXXX should receive my package it 5 business days that they r expediting my order but yet I havbt herd from them even after multiple emails and calls to them!!! I have tried to call venmo customer service to speak with a representative and it's all I'm A.i, I have chated with them and every person gives me the same answer ... That they r waiting on the merchant. I made this dispute on XX/XX/year>. It is now XX/XX/XXXX!!! And still no results

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Someone use my personality information to open fraudulent conks who thought my knowledge and fraudulent charges

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 2026-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC
State: OH

Complaint narrative:
Sent letters to orignal company XXXX XXXX XXXX XXXX ), XXXX XXXX, XXXX and Firs source Advantage attempting to verify debt on XX/XX/year> XXXX ( tracking # ) asking for verification in writing from all three, none responded after 30 days or to this date. The credit agencies reported that they verified as correct after investigation, I was never notified by any of them a clear legal violation. I am judgement proof under Ohio and XXXX XXXX, XXXX and asset rulings and uncollectable. I am now asking for account removal and possible litigation for damages to my credit and non-compliance with FDCA statues. They are taking advantage of a XXXX XXXX they presume will not fight back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I purchased a car and had one payment left and car was repossessed and transfered out of my name with no paper trail as to what happened to it

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 2026-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo took XXXX dollars out of my account which was not supposed to be they will not give me my money back and they have removed information from my account that was on there and now its gone

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 2026-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: MORTGAGE SOLUTIONS OF COLORADO
State: SC

Complaint narrative:
Id been approved for modifications in the past. The last two, issues occurred that werent my control or fault. Towards the end of last year Id made a payment as part of the modification. The company, mortgage solutions financial, made an additional defection from my account. They werent supposed to do that as Id called to pay and as I was paying Id requested the ACH to be stopped. XXXX stated it was. It wasnt. I called and the rep stated that since two payments were made Id have to make two more. I stated the error was on them and I couldnt in the time Im which they stated I needed to. I was advised that I would be on default off the modification. I contacted the bank and advised both payments be stopped since I was going to be in default. I was called back the next day and told by someone else that wasnt true. If recorded the conversation and advised them Id fine do and that due to their error, I should be given another chance. I was. The most recent chance Id made my payment, as a part of a new modification for {$1200.00} at the end of XXXX. Later that day I noticed fraud on my account. I contacted the bank and they stopped my card. Since it was the weekend I couldnt get to the bank to file until Monday. Id advised the mortgage company of this, twice via phone and asked that they notate it. The two reps I spoke with were rude and stated Id be in default. I went to bank on Monday, XX/XX/XXXX, and filed fraud. I sent that to the mortgage company via email. I called and told them Id done so and advised them to not process payment as it was going to bounce because almost {$1800.00} was taken. They didnt listen and ran the payment a total of four times. My account was made further overdrawn as a result to the tune of {$250.00} dollars of NSF fees as a result along with causing other things to bounce. I called the mortgage company on yesterday, XX/XX/XXXX, where I was rudely spoken to by XXXX. I asked for a supervisor and he said he didnt have one. I said everyone fired and he transferred me to a voicemail and then hung up. I asked for another chance as the last two werent my fault and hed accused me I wouldnt receive one. I am a XXXX veteran with an XXXX son. I dont want to lose my home. Mortgage solutions financial is horrible and refuses to work with veterans.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA
State: GA

Complaint narrative:
I responded to documentation that was sent to me around XX/XX/year>XXXX asking me to pay a debt for XXXX dollars. Actions Taken by Me : I sent a certified letter to PHEAA in XXXX PA requesting a hearing at their earliest to dispute the validity of the debt. Thus far, I have not been successful in receiving a date for a hearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I am attempting to satisfy a court judgment. The company 's online portal refuses my account, and two separate phone payments with reference numbers XXXX XXXX XXXX XXXXXXXX were never processed despite funds being available.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
I am submitting this complaint regarding an inaccurate collection account being reported by National Credit Systems , Inc. related to a lease at XXXX XXXX XXXX, XXXX, NY. I began my lease in XX/XX/XXXXXXXX with XXXX XXXX. In order to qualify for the lease, I used a third-party guarantor service called XXXX XXXX During my lease term I experienced financial hardship due to the COVID-19 pandemic and applied for New Yorks Emergency Rental Assistance Program ( ERAP ) . While my ERAP application was pending, I was instructed to pause rent payments during the approval process. During that time, the landlord reported approximately {$21000.00} in unpaid rent to XXXX XXXX who paid the landlord under the guaranty agreement. However, I was later approved for ERAP, and the ERAP program paid the landlord directly for the rent arrears. I have documentation confirming that the landlord received this ERAP payment. Because the landlord was paid through ERAP, the payment made by XXXX XXXX should have been reimbursed and the balance should not have been pursued as a debt against me. Despite this, National Credit Systems is reporting a {$21000.00} collection account on my XXXX credit report. On XX/XX/XXXX, I sent a written debt validation request to National Credit Systems via certified mail requesting verification of the alleged debt and documentation supporting the balance. The letter was delivered on XX/XX/XXXX. As of today, more than 30 days later, I have received no validation or response. Given that the landlord was paid through XXXX and that I have requested validation with no response, I believe this collection account is inaccurate and duplicative. I am requesting that National Credit Systems provide proper validation of the alleged debt or remove this collection account from my credit report. I have documentation supporting the XXXX payment and the landlords confirmation of receipt.

Company response to consumer: Closed with explanation