vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: IL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2026-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
I have been dealing with PHH Mortgage and their investor XXXX XXXX  for months to resolve an incorrect original home value and loan-to-value ratio calculation. They claim my original home value was {$250000.00} even though the original appraisal in XXXX XXXX listed the as-is value at {$330000.00} and the home purchase price in XX/XX/XXXX was {$320000.00}. They refuse to provide documentation for how they got this incorrect original value, and keep denying my request to remove PMI. My loan is officially paid down to {$240000.00} as of XX/XX/XXXX. Based on the original home price of {$320000.00}, my loan-to-value ratio is solidly below XXXX  % and yet XXXX XXXX refuses to remove the PMI from my account. They claim I need to get a re-evaluation of the property if I want to terminate PMI early. This is a complete scam, they are holding my loan hostage and refusing to provide any documentation on what they are basing their decisions on or their policies. They have been denying my requests, providing XXXX information about their policies, and are bullying me into paying for a re-evaluation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
BMW sent me a 1099C for the deficiency balance after XXXX years of non payment or collection activity. Also on the 1099C they failed to fill out box number XXXX, which should have been filled to offset my original investment. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX- XXXX, This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted Best Buy Credit Card customer service after noticing an automatic withdrawal of {$2300.00} from my account. I believed this payment was applied to fully pay off my remaining balance, as I had previously set up automatic payments of {$30.00} per month for XXXX months under what I understood to be a XXXX  % interest financing promotion. 

During this call, I was informed for the first time that deferred interest had been applied, and that I now owed approximately {$3700.00} in interest, because the balance was not paid in full by XX/XX/XXXX. 

I was extremely surprised by this, as I was never clearly informed that this was a deferred interest promotion rather than a true XXXX % APR financing plan. At the time of purchase, the Best Buy sales representative stated the promotion was XXXX % interest, and did not explain that interest would be retroactively added if the balance was not paid in full by the end of the promotional period. The brochure shows XXXX % APR printed. 

Additionally : I set up automatic payments in good faith, believing this would prevent any missed payments or interest. Also If Best Buy was able to automatically withdraw {$2300.00} in XXXX, the system could have similarly withdrawn the remaining balance of approximately {$2700.00} in XXXX, before the promotional period expired. 
At no point was I clearly warned that failing to pay the full balance by a specific date would result in retroactive interest being added to the entire purchase amount. The disclosure of deferred interest was not clearly presented and was misleading, leading me to believe this was a standard XXXX % APR promotion. Because of these circumstances, I believe the deferred interest charges were not clearly disclosed and were misleading. I asked them to removed the deferred interest but they said no. This is clearly fraud.

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 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Spending Account XXXX XXXX I opened an Ally Bank Spending ( checking ) account on or about XX/XX/XXXX under a promotional offer that advertised a {$300.00} cash bonus for meeting qualifying deposit and/or activity requirements within the specified time period. 

I carefully reviewed the promotion terms and completed all required qualifying activity, including the required deposits and maintaining the account in good standing. The account has remained open, active, and in compliance with all stated conditions. 

Based on the promotion terms, the {$300.00} bonus should have been credited after the qualifying period and statement cycle were completed. As of XX/XX/XXXX, the bonus has not been posted, despite sufficient time having passed. 

Since opening the account, I have monitored my transaction history and balances closely. My records show that all required deposits were made, funds were successfully credited, and the account remained active and in good standing throughout the qualifying period. 

There have been no overdrafts, account restrictions, or violations of the promotional terms. The bonus simply has not been credited as promised. 

I did not request additional information from Ally Bank because the promotion terms were clear and I expected the bonus to post automatically once the requirements were satisfied.

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 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My check was stolen and fraudulent cashed by someone I didnt know or gave consent the check was cashed through navy federal credit union and still have no yet been resolved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: MD

Complaint narrative:
I canceled my XXXX XXXX membership and did not owe a remaining balance. Despite this, the account was placed with third parties and reported to credit reporting agencies as a collection. The collection tradeline currently appears on my credit report under Aldous & Associates.

I requested debt validation regarding this alleged debt. XXXX XXXX XXXX XXXX XXXX, which claims involvement in collection of the account, advised that documentation would be mailed to me. However, I never received any written validation, billing statements, contracts, or proof of the alleged debt.

To date, no company has provided verification that this debt is valid or owed. Despite the lack of validation, Aldous & Associates continues to report this collection account on my credit report, causing ongoing harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Approve Holdings, Inc
State: CA

Complaint narrative:
Product : Auto Loan / Refinance Company : Auto Approve , LLC Complaint Narrative : In XX/XX/XXXX, my partner XXXX XXXX applied through Auto Approve to refinance an auto loan into her name alone. This was time sensitive because I needed to be removed from the loan ahead of a mortgage closing scheduled for XX/XX/XXXX. 

On XX/XX/XXXX, Auto Approve represented that XXXX was approved as sole borrower at a specific rate. Auto Approve subsequently issued XXXX separate refinance document packages dated approximately XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, each listing XXXX XXXX as the only borrower and stating that Auto Approve would submit the signed loan package to XXXX XXXX for funding. 

Over the following weeks, Auto Approve caused repeated delays due to clerical and processing errors, including misspelled names, rejected DMV documentation, expired payoff letters, repeated XXXX resets, and requests for re-signing documents. During this period, Auto Approve repeatedly represented by text message that the loan was at the bank, moving to funding, and that payoff checks were being prepared.

Auto Approve was explicitly informed that this refinance was directly affecting our home purchase and mortgage terms and that the transaction could fall through without timely completion. 

On XX/XX/XXXX, Auto Approve informed us that the refinance had actually been submitted with me still listed as borrower, and that the quoted rate had never been approved for XXXX alone. This directly contradicts the written disclosures and communications provided to us over the prior month. 

Because Auto Approve delayed the process for several weeks due to their own operational errors, we lost the ability to shop alternative lenders. As a direct result, I remain on the auto loan and our mortgage lender has confirmed this increases our private mortgage insurance by approximately {$80.00} to {$100.00} per month for a minimum of 11 years, resulting in damages of approximately {$10000.00} to {$13000.00}, excluding additional financial and opportunity costs. 

On XX/XX/XXXX, we formally escalated this matter to Auto Approves Compliance Department and management, requesting resolution and financial compensation. More than XXXX hours later, Auto Approve failed to respond in any manner. This lack of response constitutes a failure to mitigate damages, bad faith handling of a consumer complaint, and conscious disregard of known consumer harm after being provided clear documentation of misrepresentation and financial impact. 

We relied on Auto Approves written disclosures and repeated representations, suffered direct financial harm, and were denied timely engagement once the error was discovered. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: TN

Complaint narrative:
Company : Resurgent Capital Services/ LVNV Funding Issue : Inaccurate credit reporting / failure to correct after dispute Complaint : I am filing this complaint regarding ongoing inaccurate credit reporting by Resurgent Capital Services/LVNV Funding on all three consumer reporting agencies. 

This account was previously disputed and returned as Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Despite that dispute, the furnisher continues to report materially inaccurate and misleading information. 

Specifically, the account is being reported with : An incorrect Date Opened of XX/XX/XXXX, even though this is a debt buyer tradeline and the original credit card was opened in XXXX of XXXX. 
Monthly collection payment history being reported despite no monthly payment obligation and a scheduled payment of {$0.00}. 
Misrepresented account terms listed as 1 Month, which is factually inaccurate for a collection or judgment account. 
Monthly balance increases that improperly re-age the debt and refresh negative activity. 

These inaccuracies constitute illegal re-aging and misleading reporting. A collection or judgment does not create a new account, does not have monthly payments due, and may not be reported in a way that continuously refreshes delinquency or extends the reporting period.

Because these inaccuracies persist after prior dispute, Resurgent/LVNV has failed to conduct a reasonable reinvestigation as required under the Fair Credit Reporting Act. Continued reporting of this tradeline in its current form is inaccurate and harmful. 

I am requesting that the CFPB require Resurgent Capital Services/LVNV Funding to delete this tradeline from all consumer reporting agencies, as it can not be accurately reported.

These practices constitute violations of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 ( a ) & ( b ) : Prohibits furnishers from reporting information they know or should know is inaccurate and requires them to conduct a reasonable reinvestigation after receiving notice of a dispute.

15 U.S.C. 1681c ( a ) ( 5 ) : Limits the reporting period for negative information ; accounts can not be re-aged to extend the reporting period improperly.

15 U.S.C. 1681e ( b ) : Requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information in a consumers file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am a non-U.S. resident using PayPals services, which are marketed and operated by PayPals U.S. entity. 

On XX/XX/year>, PayPal restricted my account and requested verification. I promptly provided the requested information and fully cooperated with all verification requests. 

Despite this, PayPal has been unable to complete the verification process or clearly identify what specific requirement remains unmet. PayPal continues to restrict access to my funds without providing a clear explanation, legal basis, or timeframe for resolution. 

I have contacted PayPal repeatedly to resolve this issue and most recently informed PayPal of my intention to escalate the matter if the situation remained unresolved. To date, PayPal has not provided any concrete solution or clear written explanation. 

As a result, I remain unable to access my funds, which has caused financial hardship. 

I am requesting : XXXX ) A clear written explanation citing the specific policy or legal basis for the restriction on my account, XXXX ) Immediate release of my funds if there are no outstanding verification issues, or XXXX ) A defined and reasonable resolution procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

This debt is stressng me out and i want to move forward in my life

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
I am submitting this follow-up complaint regarding the dispute on my Current Bank account for the transaction with XXXX in the amount of XXXX dollars. On XX/XX/XXXX, I made a purchase from the merchant Gilt in the amount of {$930.00} for a pair of XXXX XXXX XXXX XXXX Satin Pumps. The item I received was not what I ordered. Instead of the XXXX XXXX pumps, I received a pair of XXXX XXXX sandals. This constitutes merchandise not as described and not the item that was purchased. On XX/XX/XXXX, I received a formal email from XXXX XXXX XXXX confirming that I had been shipped incorrect merchandise and that my return was valid. In that email, XXXX stated that they reviewed the calls I made to their XXXX XXXX XXXX when I originally reported receiving the wrong item. They acknowledged that a prepaid return label had been issued to me at that time but that the representative who assisted me did not document the issue in their system. XXXX explained that because this information was not recorded, their warehouse team was not informed that the return involved merchandise that had been shipped to me in error. As a result, the warehouse applied a standard wrong item returned code when processing the item, which is an automated classification used when a returned product does not match the SKU associated with the original order. XXXX further stated that this generic warehouse code was later included in materials provided to Current Bank during the original dispute investigation, and that it did not reflect the circumstances of my earlier communications with their customer service department. In the XX/XX/XXXX email, XXXX confirmed that the item I returned was indeed the incorrect merchandise they had originally shipped, and that my return was legitimate. They also stated that, based on their findings, a refund of XXXX dollars had been issued back to my original method of payment and that I should receive it within three-five business days. Despite this written confirmation, no refund has ever appeared in my account. I have not received the funds from XXXX, and Current Bank has not credited the amount either. Given these facts, I am requesting that Current Bank reopen and correct the dispute based on the merchants written admission and updated information, investigate why the refund that XXXX claims to have issued has not been credited to my account, and issue the appropriate credit for the disputed amount of XXXX dollars. I have attached the XX/XX/XXXX email from XXXX as supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Delta Management Group, Inc.
State: AR

Complaint narrative:
I disputed multiple accounts on my XXXX  credit report. XXXX  reinvestigated and removed all disputed items except one account furnished by Delta Management Group. 

I requested validation and documentation from Delta Management Group to establish that the alleged debt belongs to me and that they have legal authority to report it. I requested proof of ownership, the original agreement, and supporting documentation. 

Delta Management Group did not provide the requested information. Despite this, the account continues to be reported on my XXXX  credit report. 

Because all other disputed items were removed as unverifiable, the continued reporting of this single account without validation raises concerns about accuracy and compliance with the Fair Credit Reporting Act. I am requesting that this account be properly validated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I sent {$140.00} on cash app to XXXX XXXXXXXX but he never received it. Cashapp sent it to the wrong account XXXX XXXXXXXX not the selected recipient XXXX XXXXXXXX. I contacted cashapp support XXXX minutes after the transaction was completed and not received. They told me it was a system error and they were working on it. After XXXX business days they said that the transaction was made from my phone. So they weren't going to refund it or send it to the correct recipient. I tried again to contact them and they said it was a final decision and there was nothing further that could be done. Sorry for the inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: KS

Complaint narrative:
my unemployment payment was paid out to my cash app account via direct deposit, and paid in full on the XXXXXXXX XXXX of XXXX XXXX I verified the transaction with the unemployment office for the state of XXXX. my money should've been made avail that same day because the money was sent in full by the state. I contacted cashapp .. was told by customer service it would be released the same day. it was not, called back and explained I have been given the same cut and pasted reply while nothing has changed on my account. I have fee coming due on a small loan through cash app. which they are intentionally withholding my deposit they can charge me those extra fees for non payment. I was continuously hung up on, tokd I needed to check with the unemployment .. customer service could barely speak english and failed miserably at doing anything to a explain why they are still withholding a completed transaction. they are commiting theft through deception by intentionally withholding payment in order for my account to default on loan payments. fraud .. etc etc my money still has not been released by cash app as I write this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
I recently disputed a transaction on chime because I received an item that was NOT what I ordered! Chime denied my claim after I sent on the whole conversation with me trying to return the item and get a full refund but the company did not send over return label and I need my money back as soon as possible!

Company response to consumer: Closed with explanation