vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I purchased a vehicle from a dealership and signed a Retail Installment Sales Contract ( RISC ) and Buyers Order that listed a specific lender. At the time of signing, I was told financing would be through that lender. 

After taking possession of the vehicle, I was contacted by the dealership and informed that financing through the listed lender had not been finalized and that they intended to assign the contract to a different lender. I explicitly stated in writing that I did not consent to my contract being assigned to any lender other than the one listed in the signed RISC. 

Despite this objection, the dealership informed me they did not need my consent and proceeded to assign the contract to Capital One. I was later provided an account number and payment instructions from Capital One and told that the loan had been funded. 

I am disputing whether the dealership had authority to assign the contract without my consent and whether the reassignment was properly disclosed and authorized. I am requesting that Capital One review the validity of the assignment and confirm whether the loan was properly and lawfully originated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
In XXXX of XXXX I received a {$8000.00} loan and used my vehicle for collateral, fast forward to XXXX of XXXX my car got repossessed. Over the past 4 years Ive been attempting to reach out and find the actual balance because my car should have covered the entire loan. I never received how much or when the car was sold and I thought they were supposed to to share that with me. Ive sent out certified mail and still no answers or responses from the company

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: MA

Complaint narrative:
I am submitting this complaint regarding inaccurate and misleading credit reporting associated with my student loan account ( s ), a credit card collection, and additional collection accounts currently appearing on my credit report. 

These accounts are being reported with information that is incomplete, inconsistent, and not properly verified as required under the Fair Credit Reporting Act ( FCRA ). 

Specifically : Certain collection accounts are reporting balances and delinquency dates that do not match original creditor records. 
Some accounts are being reported without proper documentation establishing ownership or authority to collect. 
My student loan account is being reported with an incorrect status and/or inaccurate payment history that does not reflect actual account activity. 
Despite previous disputes, these furnishers have continued reporting the same information without providing validation or correcting errors. 

I have reason to believe these accounts were not properly investigated and that the continued reporting of inaccurate data is causing ongoing financial harm, including credit score damage and denial of credit opportunities.

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

Complaint narrative:
XXXX i logged on to my healthcare providers site to pay a bill for {$15.00} ( provided to citibank XXXX and when i put in the payment amount as {$1500.00} ( I mistakenly put in a " comma '' instead of a " decimal '', and the payment when through to paypal as {$1500.00}. I immediately called XXXX and they said I had to dispute it with Citibank, which I did and Citibank issued a temp credit in the amount of my dispute {$1500.00} ( $ XXXX {$15.00} which is what I owed. 
XX/XX/XXXX Citibank sent me an email that they could not verify anything so they were re-charging my account for the {$1500.00}. WHAT!!! 
XXXX I called again to re-open the dispute and resent my bill of {$15.00}. 
XX/XX/XXXX I get an email from Citibank stating they received my " dispute of {$15.00} and have issued a temp credit for that amount while they investigate. and again I called saying that is NOT the disputed amount. and shortly after that I received an email that my dispute was resolved and the {$15.00} temp credit was now permanent. 
XXXX i called again to open the dispute of {$1500.00}, spoke with XXXX- XXXX dispute ) and questioned why they did a credit of {$15.00} and i said the same thing. she said that my account would be credited {$1500.00} in XXXX to XXXX business days. 
XXXX i asked for an update and there was nothing in my file so i asked for a supervisor and spoke to XXXX XXXX and said that my file would be noted and to wait XXXX to XXXX business days XX/XX/XXXX I called and asked for an update an there was no update. i expressed my frustration and she said she will note the file and i should wait XXXX to XXXX business days. so i closed out my account and said that i was writing a complaint to the finance department

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 2026-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: PA

Complaint narrative:
XX/XX/XXXX I moved out of my apartment with no balance left on my lease & when I went to go apply for another apartment in XXXX I seen that they put my account into collections and claimed that I owed {$3200.00}. I never received any email or breakdown on where this {$3200.00} came from. Ive been trying to dispute it for over a year but XXXX not getting any information or responses back besides XXXX  saying they verified that the balance is true. Not only did I ask for a breakdown of where this amount came from, they also raised the balance {$300.00} extra dollars as of XX/XX/XXXX. I sent out a certified letter through the mail to ask for this information on XX/XX/XXXX and havent received anything. This has effected me from applying to another apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
Aldous and Associates picked up a debt from my landlords after my lease ended in XX/XX/XXXX with a balance of {$5400.00}. In XX/XX/XXXX Aldous reached out with an offer to settle the debt for {$2700.00}. This offer was taken by me and the other tenants on my lease and the debt was paid. In XX/XX/XXXX Aldous published a Closed Collection account to me and 4 other of the tenants of the apartment onto our credit reports without making any attempts to contact us or explain the situation, and it was ignored simply because we had already cleared the debt in the months prior. This changed today when Aldous called me this morning, but refused to take my call because I stated I was recording the call for my records. Also for the record. This is the first time Aldous has contacted me about this debt in these XXXX years of events.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I disputed XXXX chargers that I did not authorized, but credit card company Barclay XXXX provided temporary credit then sent a letter saying they finished investigating and I was responsible for chargers base on few factors. 

- Credit card was physically used at the merchant, but I clearly stated card was lost/stolen. 

- XXXX wallet was used for few transactions, I never had the Credit card on my wallet never provided the XXXX address. 

- Fraud dispute was done through online app, not called them. So its suspicious.

- Fraud was done in the same state I live in, XXXX, so investigator suspect that was done by me. 

I filed the fraud dispute the same day transactions were shown on my account I clearly stated card was not on my possession. 

Now they seeking money back for it. {$520.00}. 
Which I did not authorized.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal permanently limited my account shortly after it was created, despite the account being used only for legitimate business transactions. I received only XXXX payments, both from XXXX long-standing clients, and there were no other transactions on the account. These payments were for fully completed website design and development services. There were no disputes, chargebacks, refunds, or customer complaints of any kind. 

I fully cooperated with XXXXayPal and submitted all requested documentation, including invoices, explanations, and proof of service completion. Despite this, PayPal representatives informed me that the account was permanently limited after an internal review, while also stating that they could not disclose any specific reason for the decision.

PayPal advised that the funds would be held for 180 days. I am not disputing or concerned about the 180-day hold, and I am willing to fully comply with this policy. My primary concern is that my account appears to have been closed due to a misunderstanding, misclassification, or automated risk assessment, rather than the actual nature of my activity. 

I requested multiple times for a secondary or independent review, including escalation to another team, but was told the decision was final and could not be appealed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Inaccurate credit reporting/failure to correct delinquency after medical hardship documentation. 
Hospitalized : XX/XX/XXXX to XX/XX/XXXX ; Nelnet requested documentation ; I provided it on XX/XX/XXXX ; I asked for retroactive forbearance to be applied for the months that I was hospitalized ; Nelnet granted forbearance effective XX/XX/XXXX, but refused to correct delinquency reported for XX/XX/XXXX through XX/XX/XXXX ; Credit reports show 150 days past due on multiple tradelines

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Lentegrity Management, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX : I spoke to someone named XXXX and asked him for an email address so I can submit a formal request for verification of my loan information. He asked what for. I asked him over the phone and he gave a vague answer stating that all the information is online so when I asked him to mail me a letter of what was talked about, he responded we dont do that. Then when asked for the email again he said well I guess I can give you the customer service email To whom it May concern, I am submitting this complaint regarding the loan servicing practices of my lender/servicer, XXXX, due to inconsistent interest calculations, unexplained increases in principal balance, and failure to provide clear written explanations upon request. 

After reviewing my account history, I observed significant and irregular month-to-month fluctuations in the amount of interest charged. In multiple instances, my principal balance increased despite payments being made. These changes are not adequately explained by normal amortization or standard interest accrual. 

I contacted the servicer directly to request clarification. During a recent phone call, I was provided with only a vague and generalized explanation that did not address the specific discrepancies reflected in my account. I was subsequently directed to a generic customer service email rather than being provided clear documentation or a detailed written explanation. 

I have formally requested the following from the servicer : A complete amortization schedule from loan origination to present A detailed payment history showing how each payment was applied Written explanation of the interest calculation method Disclosure of any capitalized interest and justification for any increases in principal As of this complaint, the servicer has failed to provide sufficient written documentation to verify the accuracy of the charges applied to my account. 

I am requesting the CFPBs assistance in obtaining : XXXX. A full written explanation and documentation supporting the interest calculations and payment application on my loan. 
XXXX. Confirmation that the loan has been serviced in compliance with applicable consumer protection laws. 
XXXX. Correction of any errors identified as a result of this review. 

I have attached relevant screenshots and records supporting this complaint and am prepared to provide additional documentation if needed. 

Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX

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: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IA

Complaint narrative:
I have cash app account which I have a checking account linked to soci can add cash to my cash app when needed. Lately I noticed there wS fradulate transactions on acct I did not make. My balance on acct is {$3.00} but cash app allowed theses transactions to be taken out of my checking linked to cash app they did. Or alert me of such thing and in setting all my security is on to be alerted. I called and made a dispute on XXXX charges and they had different names then what I could see on dispute.the total amount was XXXX they took from me and only had {$3.00} on account also they told me while on phone there was XXXX phones connected to my acct and never alerted me of this either so since XX/XX/XXXX XXXX XX/XX/XXXX they were taking money out of the linked checking so on cash app it showed I had {$3.00} so I had no clue. They told me to send evendiamce to support my claim and I took screen shots of charge on bank statement.they could not tell me any information on anything then when I said I XXXX complaint to ur dept they did send all my claims saying the device was in my possession and blocked my acct and told me it was being closed and they would not give any info to ur co in fact told me they would ignore any and all questioning and would not respond to any inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: PA

Complaint narrative:
In reviewing my credit report I noticed the above account fell within the exclusion time frame. Therefore, please note that this letter is not a dispute of the above mentioned account Mercedes Benz financial # XXXX Please exclude it from my credit report this account have been a my report for 7 years and 11 months

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 was paid
Company: Goal Structured Solutions, LLC
State: CA

Complaint narrative:
I am formally disputing a solar lease buyout amount ( Agreement # XXXX ). The current lessor, XXXX XXXX, and their servicer, Launch Servicing , LLC, are demanding a full buyout price of {$27000.00}. 
However, they have notified me in writing that they have unilaterally " eliminated '' the core XXXX XXXX from my contract, citing XXXX 's bankruptcy. This breach has caused me a documented {$1300.00} annual financial loss in energy true-up bills because the system is underperforming. 
I have attempted to resolve this through XXXX XXXX # XXXX, providing a XXXX notice of intent to adjust the price to reflect this lost value. The company has failed to provide a revised quote or address the loss of service while still demanding full payment. I am requesting an adjusted buyout quote that accounts for the diminished value of the system.I am seeking a revised, fair-market buyout quote that is reduced by the value of the voided XXXX XXXX and the damages I have incurred. I have an approved loan and am ready to pay a fair price immediately once the contract terms are honored or adjusted. 

I have attached XXXX documents to support this claim : Lease Contract ( 6 ) ( 1 ) ( 1 ) .pdf : Refer to XXXX XXXX, which guarantees XXXX kWh for Year XXXX. 
XXXX : This screenshot shows my actual 2025 production was only XXXX kWh, a shortage of nearly XXXX kWh. 
Solar bill XXXX : This is the resulting {$1300.00} true-up bill I was forced to pay because the guarantee was not honored. ''

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 — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TAYLOR MORRISON HOME FUNDING, INC.
State: TX

Complaint narrative:
I am filing a complaint regarding improper mortgage servicing, forced escrow creation, misapplication of tax refunds, and inaccurate credit reporting by Taylor Morrison Home Funding and its servicer, XXXX XXXX XXXX XXXX XXXX 

1 ) Forced Escrow and Payment Shock In XXXX, the servicer advanced property taxes despite the existence of an active XXXX installment agreement with the XXXX XXXX XXXX XXXX in Texas. At the time of the tax advance, we had made three payments under the agreement and were in good standing.

Without notice or authorization, the servicer paid the remaining tax balance, which triggered the creation of a forced escrow account and increased our monthly mortgage payment from approximately {$3400.00} to over {$7400.00}. This abrupt and extraordinary increase created an untenable payment obligation and directly resulted in partial payment application and delinquency reporting.

2 ) Failure to Conduct a Reasonable Investigation Under RESPA We submitted a formal Notice of Error under RESPA on XX/XX/year>. The servicer responded that no error occurred, but failed to address the existence and legal effect of the county installment agreement and failed to provide a complete accounting of refunded tax payments. 

The servicers investigation was incomplete and did not incorporate key documentation we provided, including the executed county agreement and proof of payments.

3 ) Misapplication and Lack of Transparency Regarding Tax Refunds XXXX XXXX refunded tax payments to the servicer, including refunds of the servicers tax advance and refunds of payments we made under the installment agreement. The servicer has not transparently applied these refunds to reduce the escrow shortage and has provided only partial and inconsistent accounting.

4 ) Improper Late Fees and Inaccurate Credit Reporting The servicer continues to assess late fees and report late payments to credit bureaus despite : The forced escrow and payment increase being caused by the servicers actions ; An active RESPA dispute ; A documented identity theft hardship that materially impaired liquidity.

Additionally, the servicer is furnishing inconsistent monthly payment amounts and dispute statuses across credit bureaus, materially damaging our credit profile and debt-to-income ratio.

5 ) Hardship and Identity Theft We experienced significant identity theft and financial fraud, which depleted cash reserves and disrupted financial stability. We requested hardship designation and forbearance, but the servicer has not provided meaningful relief or paused negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CA

Complaint narrative:
I was upgraded from a secured to an unsecured Discover credit card over four months ago. My {$1000.00} security deposit should have been returned. 

First, I was told the deposit would be sent by check, but the check never arrived. After that, I provided and confirmed my bank account information for an ACH deposit, and the refund still has not been received. 

I contacted Discover multiple times and was repeatedly given extended timeframes without resolution. Today ( XX/XX/year> ), Discover opened an investigation and provided case number : XXXX. 

I am requesting the immediate release of my {$1000.00} security deposit and written confirmation of the refund method ( ACH or check with tracking ) and the final refund date.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
Since XX/XX/XXXX of 2026 Ive been communicating with Marcus by Goldman Sachs to submit a court order for the return of access to funds. Since then, I have submitted an electronic dispute form per request by Goldman Sachs to process the court order. As of XX/XX/year> I have contacted Goldman Sachs numerous times from the time of initial notification on XX/XX/year> to now to process the court order. I was denied my request for written documentation from Goldman Sachs as to why the court order was refused. Goldman Sachs has been informed of my reoccurring court dates and has yet to provide me any documentation for the court order dispute, any progress notes surrounding the issue, as well as giving me information to the legal compliance department so that I can ensure the court order for further escalation. Goldman Sachs has denied me my rights to access my own information regarding this case and have not provided me with a case number or anything to follow the progress of the report. I have recorded calls of Goldman Sachs representatives hanging up the phone and misguiding me.

Company response to consumer: Closed with explanation