vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I have reached out to this company with several times with problems and complaints with this vehicle. Now its to the point where I cant even get this vehicle REFINANCED OR TRADE IT IN TO ANYWHERE BECAUSE OF ALL THE NEGATIVE EQUITY. My pay off balance has increased over XXXX since XXXX even after making payments more than my monthly payment as advised by this company. I have video evidence proving that this vehicle was not inspected and has been being driven in unsafe conditions. I have not only made a complaint to this company but also filed a dealer per dmv. I also have documentation proof that I had registration credits with my local dmv and that the dealer decided to go to a dmv outside of the county I live in to register the vehicle then refused to reimburse me for charges. I am even being told that I am unable to make principal only payments on this loan or that I am unable to make split payments. There is inaccurate documentation in the contract file that I myself i have never signed the contract agreement and the actual documents have 2 different names on them. This company is already under heavy fire by the attorney generals office in regards to faulty contracts. There is phone records of my explaining that Ive went to several dealers to use this so called warranty and there is no dealers in my area that expect this warranty. It has also been brought to my attention that I have been driving around with a vehicle that has broken brake hose that couldve cut my brake line and my kids and I couldve ended up in a bad accident this was all broken down to me while on the phone with consumer complaint XXXX XXXX XXXX. The mileage written on the contract wasnt the correct mileage that the vehicle was picked up at also another complaint the Ive been telling this company since DAY 1!

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 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: LA

Complaint narrative:
A Cash APP account was opened with my name that was only used once or twice. Hadn't been used in about 6 months. When tried to login with the information that I had saved it would not allow me to do so. I had money being sent to that account and could not stop the fund before I let the sender know NOT to use that account. {$30.00} was sent to the account that I COULD NOT ACCESS and somehow someone who hacked the account logged in and cashed out the funds. I have no way of getting into that account to close it in case someone else tries to send funds to me through Cash App. I am NO LONGER using or associated with Cash app and have deleted the app off of my phone and all other devices. How do I go about seeing if the account has in fact been closed and how to I retrieve the funds that were sent to that old account that should have ONLY been accessed by me? Any help in this matter would be GREATLY appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I filed a CFPB complaint regarding an account from XXXX XXXX XXXX XXXX XXXX. The company responded and confirmed they have terminated collection efforts and would request deletion of the tradeline from all credit bureaus. This account has already been removed from XXXX and XXXX. However, Experian continues to report this account, which is inaccurate and outdated. Experian is now reporting information that the furnisher has already agreed to delete, which is a violation of the Fair Credit Reporting Act. I am requesting that Experian immediately remove this account from 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 2026-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANNER CORPORATION
State: CA

Complaint narrative:
I'm filing a complaint against Banner Bank regarding inaccurate credit reporting tied to my lot loan. I'm was working with Banner Bank to convert my existing lot loan into a construction-to-permanent loan. During this process, I was explicitly instructed by Banner Banks loan officer not to " pay anything off '' while the loan was being processed through underwriting. Relying on these instructions, I did not make one scheduled payment. Banner Bank has now reported this payment as delinquent to the credit bureaus. This reporting is inaccurate and misleading because : - The non-payment was directly based on lender instruction - I acted in good faith while complying with Banner Banks guidance - The delinquency does not reflect an unwillingness or inability to pay This has negatively impacted my credit profile and has jeopardize my pending construction loan approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I didn't receive all information for proof of Debt from LVNV Funding LLC. The didn't provide the following information in regards to XXXX XXXX XXXX XXXX. Forward Flow Agreement showing that they can legally collect on this debt. I want proof of ownership 2. They did not provide any documents of the original signed contract or credit agreement with my signature. 3. They did not provide the full payment history showing charges and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I contact this company on XX/XX/XXXX that they are reporting the wrong amount and claiming I am late every month they are reporting over XXXX more than what I owed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
Account : EXETER FINANCE LLC Auto Loan Charge Off Balance {$25000.00} Opened XX/XX/year> This account is disputed as identity theft and/or inaccurate reporting under the Fair Credit Reporting Act. Violations include : - 15 U.S.C. 1681c-2 - 15 U.S.C. 1681e ( b ) - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) I demand immediate deletion unless full verification is provided. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: Ocwen Financial Corporation
State: PA

Complaint narrative:
XXXX XXXX XXXX passed away XX/XX/XXXX. House had a tangled tittle. Successor of interest is now on the deed. Mortgage servicing company has not acknowledged successor of interest. Successor has become executor of state. XX/XX/XXXX. Successor has requested loss mitigation, assumption, loan modification. Successor is not responsible for borrower dept. PHH mortgage has ignored all request. And only has provided a payoff/reinstatement quote. XXXX payoff and XXXX reinstatement. Successor is unable to afford. PHH now has started the foreclosure process. Successor is believes company is trying to force a foreclosure, and take property. Successor has expressed their interest in keeping the property. But has been ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION
State: SC

Complaint narrative:
I have banked with M and t since I was in XXXX XXXX and they have repeatedly hit me with overdraft fees and this has been a constant problem throughout the years that I have requested and turned off but somehow continually I am still charged the fees and forced to pay them to use the account of all my check deposited goes to get me out of negative. I called on XX/XX/XXXX to rectify this issue and gather all possible records to get this issue fixed so I can have history of my requests made along with the amount of money Ive been charged in total and they could only provide this information going back a few years. Finally a banker on the phone found a date of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested to turn off the overdraft fees and the ability for this to happen so EVERYTHING after that fact of that I believe should be subject to refund. I now received a notice in the mail again that I need to pay XXXX in order to rectify more overdraft fees when I spent literal hours with M and T on the phone on XXXX. I am spent I dont know what else to do.

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 2026-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prince Parker & Associates
State: CA

Complaint narrative:
A collection account has recently appeared on my credit report from Prince Parker & Associates on behalf of XXXX XXXX XXXX. This account is the same account that was previously reported by another collection agency. I previously disputed this account as fraudulent and filed an identity theft report with the FTC on XX/XX/year>. As a result of that dispute, the prior collection agency ceased collection activity and requested removal of the account from my credit report. Despite this, the same account has now been re-reported by a different collection agency. I did not authorize this account, and it has already been disputed and documented as fraudulent. The re-reporting of this account raises concerns regarding the accuracy of the information being furnished and whether a reasonable investigation has been conducted prior to reporting. I am requesting that this account be properly investigated and handled in compliance with applicable federal laws governing credit reporting and debt collection.

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 2026-04-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have a Chase bank account, after reviewing the statements from XXXX to XXXX I have the statements attached below the amount of overdrafts are as follows XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX Chase has done nothing to compensate me for the past losses which was recognized by the government as unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This is a direct and final escalation of my previous notices. Your continued refusal to provide a lawful, transparent, and verifiable explanation of your actions is not only unacceptableit is a blatant violation of federal compliance requirements and consumer protection statutes. You have failed to justify the collection, retention, or reporting of ANY data associated with my name. Your silence and lack of cooperation constitute willful negligence and knowing non-compliance. Let me reiterate with absolute clarity : I am demanding immediate, unconditional deletion of every data point, file, notation, internal record, audit log, or reported item that you can not substantiate with physical, fully compliant, legally admissible documentation. No assumptions, no automated entries, no unverifiable dataonly proof. Any record lacking full legal validation must be removed without delay.

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 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I visited a car dealership ( XXXX XXXX in XXXX XXXXXXXX XXXX ) and expressed interest in a XXXX XXXX XXXX. During the visit, the dealership ran my credit and initiated financing through Westlake Financial before the vehicle was properly inspected.Before completing the purchase or leaving the dealership, my son and I discovered that the vehicle had a defective transmission. I immediately refused to proceed with the purchase. The dealership acknowledged the issue, canceled the transaction, refunded my full down payment of {$3000.00}, and provided documentation confirming the deal was canceled ( XXXX XXXX ). I never took possession of the vehicle.Despite this, on XX/XX/XXXX, I was charged {$350.00} as a first loan payment. When I contacted Westlake Financial, I was informed that the loan account remains active and that I am responsible for payments on a vehicle I never received.I disputed the charge with my bank and contacted the lender to request cancellation of the loan. However, the account remains open and unresolved.This loan was opened and remains active without my consent after the dealership canceled the transaction and refunded my down payment. I am requesting immediate correction of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Johnson Mark LLC
State: GA

Complaint narrative:
I received a debt collection letter dated XX/XX/year> from Johnson Mark LLC on behalf of XXXX XXXX XXXX claiming I owe XXXX on an account originally from XXXX XXXX XXXX ( account ending XXXX ). I am disputing this debt in its entirety. I have sent a written debt validation request via certified mail demanding proof of chain of ownership, original signed agreement, and verification they have the legal right to collect this debt under the FDCPA. Reference number 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 2026-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am filing a complaint regarding this fraudulent Capital One credit card account opened in my name as a result of identity theft. I did not apply for, authorize, or benefit from this account. This matter has been reported to the Federal Trade Commission under Identity Theft Report # XXXX, however my local police department advised to file an IC3 complaint, and refused a police report. The fraudulent account was opened on XX/XX/year> and currently shows a balance of {$440.00}, and shows on my credit report as XXXX days late on payment. The fraudulent application used the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX investigation shows that XXXX XXXXXXXX is not a verifiable unit in official Florida business or property records. This indicates the address was fabricated or materially misrepresented as part of the fraudulent application. I have notified Capital One of this identity theft and provided supporting documentation. However, I am submitting this complaint to ensure full compliance with federal law. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), Capital One is required to block and remove all information resulting from identity theft. Under FCRA 623 ( 15 U.S.C. 1681s-2 ), they are required to conduct a reasonable investigation and correct or delete inaccurate information. I am requesting the following : * Immediate closure of the fraudulent account * Permanent removal of all associated tradelines and inquiries from all credit reporting agencies * Written confirmation that I have zero liability * A full investigation and release of all application metadata, including IP address, email, phone number, device information, and any shipping or transaction history Any continued reporting, collection, or failure to investigate this matter will be considered noncompliance with federal law. I am seeking prompt resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: AZ

Complaint narrative:
I borrowed {$50.00} from my Cashapp account to be transferred immediately to my personal checking account. Cashapp approved the transaction ; however, the funds were never deposited to my account as agreed. I sent an email to my bank and they responded the funds were never deposited. I forwarded cashapp a copy of the email from my bank ; however, they refused to acknowledge the deposit was not received. They also informed me that I would still need to pay the {$50.00}, as well as the interest on the loan. In other words, Im paying them money that I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I have been a Bank of America credit card customer for years in good standing. I have a very high credit score and have never been late on a payment. They advertised an incentive to open up a new checking account and receive a {$400.00} to {$500.00} after three months of opening the account. I opened the account as my personal checking account. I earn around {$180000.00} as a nurse practitioner yearly, so a good deal of money moves through my account. After the account had been open for about three weeks, they closed the account without telling me. I learned of this when a wire transfer I requested was delayed. I had accidentally overdrafted my previous checking account due to forgetting to change one of my automatic deductions for my car. When I called, I was forwarded to the Fraud Monitoring Department. After answering questions about the wire transfer I requested, I was transferred to another department where I was informed my account was being closed and that they were not disclosing the reason. I was further educated that I had accepted the terms of their condition upon opening the account, which gave them the right to close the account for monetary reasons or if they deemed me a security risk. This resulted in several credit card payments bouncing, which cost me for each transaction. They kept my funds in the checking account of {$2000.00} for about 6 weeks. Every time I attempted to call, I was forwarded to the fraud monitoring department. It is pertinent to note that I did not attempt fraud and still have a Bank of America Credit account in good standing. Obviously, I was humiliated to have multiple employees tell me that I was being monitored for fraud. The bank had {$2000.00} of my money that was deposited into my account from my healthcare employer. I was confused as to why they would not pay the pending transactions with these funds. Again, I am fortunate that I make good money and can manage a situation like this, but many would not be able to do so. What was most frustrating was the lack of transpareny as to why they would abrubtly close my account.

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 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Americas Car-Mart, Inc.
State: OK

Complaint narrative:
Car Mart has the dollar amount incorrect on my credit report so according to the law if anything is incorrect it all has to be removed from credit report so car mart needs to remove everything from all credit bureaus and also since the car had several issues not disclosed to me at the purchase they need to refund {$3800.00} to me please do your job and make sure both things happen in the next 2 weeks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation