vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 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: OneMain Finance Corporation
State: GA

Complaint narrative:
I applied, was approved, and signed for a {$16000.00} auto loan at my local One Main Financial branch on XX/XX/year>. Despite being in-person, the loan documents were presented to me by " XXXX '' XXXX an IPad, reviewed and signed electronically. 

I communicated to XXXX multiple times I wanted GAP insurance. XXXX assured me that was no problem, but when she told me we were " finished '' - I had not seen anything regarding the insurance, so I again mentioned that I had wanted GAP. XXXX told me I had GAP insurance. I told her I had not seen any documents stating such. XXXX told me that we had already signed the GAP document. So I asked her to show me. XXXX said that it wasn't " that simple '' on an XXXX - she did not want to XXXX all that time to digitally flip back through all the pages to find it, again assuring me I signed for GAP insurance and I had coverage. I stupidly believed her. 

Fast forward several months, and my grandson totalled the vehicle- just my luck. But imagine my surprise when One Main called to ask me how I wanted to pay for the {$6000.00} " gap '' between what my insurance paid and my loan balance. After re-stating the facts, One Main insisted I owed them {$6000.00}, told me I did not have GAP insurance, and in fact, that I signed a GAP " waiver ''. I informed them I did no such thing and demanded copies of all the loan documents- which they provided.

I have copies of every single loan document. At the bottom of each page is a time-stamped e-signature of my full name. However, there is an " addition ''. One page, not presented with the others, nor bearing a time stamp, or my signature- a GAP Waiver, unsigned & unstamped- with my initials CP at the bottom, signed with an ink pen - but not by me. One Main forged my initials with intent to defraud an 81 year-old widow.

Now that I have made it clear I am not paying them what they are now calling {$8000.00}- they have reported my account " delinquent '' to the credit bureaus and destroyed my credit. Shame on them. Copies of the time-stamped, e-signed documents and the forgery are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am a Bank of America customer for over 21 years with a spotless account history and no prior fraud incidents. 

I am submitting this complaint regarding the handling of an international fraud case. I authorized a transfer in the amount of USD XXXX after being induced by fraudulent misrepresentation through XXXX. The sender presented false information that led me to believe the transaction was legitimate. 

Once I realized it was a scam, I immediately contacted Bank of America and reported the incident. I also filed official fraud complaints in the United States and in XXXX, where the funds were received, and I have full documentation supporting that this was an international criminal scam. 

Bank of America denied reimbursement stating that authorized transactions are not covered, without considering my long-standing relationship, clean account history, the documented fraud, or the international criminal nature of the case. 

I am requesting that Bank of America conduct a full review of this open case for a possible goodwill reimbursement, taking into account my XXXX customer relationship, first-time fraud status, and the extensive documentation provided. 

I am not disputing that the transaction was authorized, but that it was authorized under fraudulent inducement and criminal misrepresentation.

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 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sunlight Financial LLC
State: FL

Complaint narrative:
I got XXXX XXXX for my home. Come to find out the bottom line is the company, compass solar did not install enough panels. At the time I had a pool being put in plus Hottub. I was assured that there was enough panels to cover the pool and Hottub. I was told that the utility bill base would be XXXX dollars. But that was a lie. So I now have XXXX bills. Utility and solar. Went back and forth with compass solar. It was a nightmare. But I see I had no choice but to pay for both bills. Electric bill never went down. So I paid over XXXX for both until recent when I hired a company to work for me. But they scammed me too. So I stopped making payments on the solar panels based on the company I hired. But then I hired them. Someone working for sunlight financial. They are who was getting payments. They came and put a lock on enohase system in my yard. That is trespassing. The bottom line is I was told that the loan would go away. And tfw solar panels would go away. Please help. I got messed up and cant sell my home like I was told.

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 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Complaint : I am filing a complaint regarding missing funds from my PNC Bank debit account due to a failed authorization reversal. 

On or about XX/XX/year>, I placed an order with XXXX using my PNC debit card. XXXX cancelled the order before shipment. The merchant authorization reduced my available balance, but after the authorization expired, the funds were never restored. 

The transaction is no longer pending and never posted, yet my account balance remains incorrect. PNC Bank has stated they have no record of the transaction, despite the fact that my available balance was reduced and not corrected. 

I have contacted PNC multiple times requesting a ledger review, balance reconciliation, and Regulation XXXX error investigation, but the issue remains unresolved. This constitutes missing funds and an account balance error under Regulation XXXX. 

I am requesting : Immediate restoration of the missing funds to my account A full ledger review and balance reconciliation Written confirmation of the resolution This matter has caused financial inconvenience and should have been resolved within the required timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Fold, Inc.
State: FL

Complaint narrative:
I deposited money into the Fold prepaid debit card account to earn rewards on debit purchases, now XXXX cant withdraw my funds from the account. I contacted customer support and they said their withdrawal feature is XXXX while they make some XXXX. This means my money is locked up and XXXX cant pay my bills. I have absolutely no way to withdraw my money or transfer it to my bank account. The only options they provided force me to spend the money via the card. I need access to my cash I dont want to spend anything. An important feature such as withdrawals shouldnt be XXXX ever at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I am submitting this complaint to report ongoing harassment and improper collection activity by multiple companies contacting me regarding debts that I do not owe. 

I have been receiving repeated phone calls and emails from various companies attempting to collect balances that I do not recognize. I do not recognize the accounts, the amounts claimed, or the original creditors associated with these alleged debts. These obligations are the result of identity theft, and I did not authorize, open, or benefit from any of the accounts being referenced. 

Despite this, collection attempts have continued without proper validation or proof that I am legally responsible for the debts. The frequency and persistence of these communications have caused significant stress and disruption. 

I am formally disputing all such debts and requesting that the CFPB require the involved companies to : Cease all collection communications unless proper verification is provided Conduct a full investigation into the accuracy of the information being used Remove any inaccurate reporting associated with these accounts Confirm resolution of these matters in writing I am seeking relief from continued harassment and enforcement of my rights under applicable consumer protection laws. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: CITIBANK, N.A.
State: MI

Complaint narrative:
I am filing a complaint regarding a denied credit card dispute for merchandise not received. 

I purchased merchandise in the amount of {$1200.00} from XXXX XXXX XXXX. The item was never delivered. XXXX conducted an investigation and confirmed the package was lost. 

XXXX approved the claim ; however, reimbursement was limited to {$110.00} because the merchant failed to declare or insure the shipment for its full value. 

The merchant has refused to issue a refund despite confirmation that the merchandise was never delivered. 

I disputed the charge with my credit card issuer. The dispute was closed before the carrier investigation concluded. After the loss was confirmed and the merchant refused to refund, I requested reconsideration. The credit card issuer denied the dispute and instructed me to resolve the matter with the merchant. 

I believe my card issuer failed to properly apply consumer protections for merchandise not received, despite documented carrier confirmation of loss and merchant non-fulfillment.

I am requesting that the credit card issuer review this matter under merchandise not received and provide appropriate relief.

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
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc
State: MI

Complaint narrative:
As of XX/XX/year>, my Chime secured credit builder account is being reported inaccurately to the credit bureaus. The account shows a {$100.00} balance, which I do not owe, and it is incorrectly listed as an unsecured or unlimited credit card. This is a secured credit builder account with no traditional credit limit. 

I have contacted Chime multiple times, including today, requesting correction and documentation. Chime has failed to resolve these issues, leaving my credit profile damaged and misrepresented. 
This misreporting is not merely an errorit constitutes a violation of reporting accuracy obligations under federal law. I am requesting CFPB intervention to : Correct the balance to {$0.00} owed. 

Properly classify the account as a secured credit builder account. 
Ensure all credit bureaus reflect accurate information immediately. 
Chimes repeated failure to correct this reporting, despite multiple requests, demonstrates a serious compliance and regulatory issue that requires urgent attention.. 


This misreporting has caused a XXXX drop in my credit score, directly affecting my ability to access credit and financial services. Despite contacting Chime multiple times, including today, their customer service has been unable to resolve the issue or provide any meaningful assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
Improper denial of loss mitigation to successor in interest it happened today XX/XX/year> Loss mitigation department denied me access to my account I had faxed over documents to become successor of interest of a estate my wife stated on her will appointed me to become Executor of her estate I went down to the register of wills office to have the will probated I had faxed all required documents and they was unable to assist me as well as estate services has the documents

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 2026-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
I sent this to USAA on XX/XX/XXXX I am turning you in to the Consumer Protection Agency. 

I am fed up, for 3 months I called to straighten out YOUR ACCOUNTING! I am not calling again. 3 seperate guys on the phone said I am right and you are WRONG! They said your system is wrong. 

I paid auto ins. for 6 months on XX/XX/XXXX, as I always do. Your system says I owe every month for auto. XXXX! I pay Homeowners every month. Straighten it OUT. 

Nice way to treat a Veteran XXXX XXXX XXXX  USAA sent this on XX/XX/XXXX Note : No review has take place. 
XXXX Advocate Will Follow Up With You After Review Dear XXXX XXXX, We recently received your concern regarding your billing. 

I have been assigned to research your concerns and will follow up with you once my review is complete. I look forward to assisting you. 

How to Contact Us If you have questions, please contact me using one of the following options. If prompted, enter extension XXXX. I am available Monday through Friday, XXXXXXXX XXXX  to XXXXXXXX XXXX  CT. 

Phone : XXXX ( XXXX ), our mobile shortcut # XXXX or XXXX Fax : XXXX Sincerely, XXXX XXXX XXXX XXXX Advocacy Resolution Team USAA XXXX XXXX XXXX XXXX On XX/XX/XXXX USAA sent me a letter canceling my policies, Homeowners and Auto. 
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 2026-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: OK

Complaint narrative:
A medical collection in the amount of {$1400.00}, originally from XXXX XXXX XXXX XXXX XXXX, is being reported by Ability Recovery Services. 
This medical debt was purchased and permanently canceled in full by XXXX XXXX XXXX, a nonprofit organization, as confirmed by written documentation I received. The cancellation applies to the full balance and states that I owe nothing now or in the future. 
Despite the debt being canceled, Ability Recovery Services is continuing to report this account as an active collection on my credit report as of XX/XX/year>. 
I have disputed this inaccurate reporting and have documentation confirming the cancellation of the debt. Continued reporting of this account is inaccurate and constitutes an attempt to collect or report a debt that is not owed. 
This incorrect reporting has caused significant harm to my credit profile.

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 2026-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
We requested a loan modification several times and when it was approved for a loan modification we had the paperwork to fill out but every time we will submit our paperwork for review we kept getting our paperwork denied due to our signtures, dates, notary ect. We submitted our paperwork probably more than XXXX times. It was very frustrating due to every time we will call the mortgage company we were getting told so many things that were wrong with our paperwork and for us not submitting it right loan modification was denied. I also have the emails from the mortgage company about our paperwork but still didnt understand and would call them but again we were always told different things on when we called

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
This debt originated as a XXXX ( XXXX ) credit card account. In XXXX, the account was the subject of a lawsuit in Louisiana state court and was reduced to a court judgment in a significantly lower amount than the original charged-off balance.

Despite the existence of this judgment, multiple third-party debt collectors ( including XXXX XXXX XXXX  and its agents Resurgent Capital Services and XXXXXXXX XXXX XXXXXXXX XXXX have attempted to collect amounts that do not match the judgment and have treated the obligation as an open or charged-off credit card debt rather than a judgment. 

In XX/XX/XXXX, I disputed the debt in writing and requested validation, including proof of authority to collect and an accurate accounting. The response I received did not acknowledge the court judgment, did not provide proof of assignment of the judgment, and listed conflicting balances derived from pre-judgment amounts. 
Additionally, I have documentation showing that substantial payments were previously made and credited, yet the collectors continue to assert a remaining balance without explaining how payments were applied or how the current amount was calculated under the judgment.

I believe the companies involved are misrepresenting the legal status and amount of the debt and are attempting to collect an incorrect amount without providing meaningful validation or proof of authority to collect a judgment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I disputed a documented overcharge by XXXX. Capital One has now closed my dispute four times, claiming I did not upload the requested supporting documentation. That claim is false.

I provided : The original booking confirmation showing the correct price The credit-card transaction showing the incorrect charge Written correspondence from XXXX explicitly admitting the charge was incorrect and should not have occurred A Capital One customer service representative confirmed to me by phone that no documentation appeared to be missing and recommended that I submit a written request for reopening. 
Despite this, Capital One closed the dispute and re-billed the charge without substantively addressing the evidence or the merchants written admission of error. 
This represents a failure to properly investigate a billing dispute under the Fair Credit Billing Act. I am requesting that Capital One reopen the dispute, review the documentation in full, and permanently credit the disputed amount of {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Caine & Weiner Company , Inc. continues to violate the FDCPA, FCRA, and XXXX XXXX reporting standards by reporting the same alleged {$380.00} debt multiple times across all three credit bureaus using the exact same account number ( XXXX ) under multiple variations of its furnisher name, which constitutes inaccurate, misleading, and duplicative reporting. I never received any initial written notice of this alleged debt prior to it being placed on my credit reports, in direct violation of FDCPA 1692g ( a ). After disputing the account, Caine & Weiner falsely claimed that validation was mailed on XX/XX/2025 ; however, no validation has ever been received. To date, I have not received a contract, itemized account history, billing statements, proof of default, proof of assignment, or proof of legal authority to collect. Simply asserting that documents were mailed does not satisfy FDCPA 1692g ( b ). Despite the absence of validation, Caine & Weiner continues reporting this account, which is prohibited collection activity. In addition, after this account was previously removed, it was illegally reinserted and reported again to XXXX XXXX XXXX  without providing the mandatory reinsertion notice required under FCRA 1681i ( a ) ( 5 ) ( B ), which requires written notice within five business days including the source of verification. No such notice was provided. Reporting the same account three times using the same account number artificially inflates derogatory information and violates FCRA 1681e ( b ) and 1681s-2 ( b ) and XXXX XXXX accuracy standards. At this point, Caine & Weiner is knowingly furnishing unverifiable, duplicative, and illegally reinserted data while ignoring federal validation requirements. I still do not even know what this alleged debt is for. No lawful verification has ever been produced. Their continued reporting relies entirely on hearsay and internal assertions, which is precisely the conduct debt collectors are prohibited from engaging in under federal law.

Company response to consumer: Closed with explanation