vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I had bought a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX MD back in XXXX and the car was financed with Credit Acceptance. In XX/XX/XXXX I fell behind on my payment for the vehicle, the vehicle was repossessed. I got the vehicle back and paid the vehicle off. Credit Acceptance sent me letter stating the vehicle was paid off as well as a title for the vehicle. I went to the XXXX MD XXXX office with my Maryland Title to have the Lien Holder taken off of the title, which was Credit Acceptance. The Maryland XXXX informed me that the Maryland Title I had for the vehicle was not valid because when the car was repossessed they Titled the car in Michigan. The Maryland XXXX informed me that when I got the car back Credit Acceptance should have sent me a Letter of Redemption and a Complete Title Reassignment back to me. Which Credit Acceptance did not do and still has not done per my request several times over the last 8 months. I have contacted Credit Acceptance a total of 6 times over the last 8 months and have not gotten anywhere as to resolving this issue. I filed a complaint with Credit Acceptance about this issue as well, which the complaint is handled by a third party company. I spoke with a person at Credit Acceptance on XX/XX/XXXX to get an update on the information that I requested them to send me and the lady informed me that on XX/XX/XXXX they had filed for the title and that it would be 2 weeks before they had the title. On XX/XX/XXXX I called Credit Acceptance again to find out an update because I had t heard anything. The lady informed me that they had sent out everything a packet via XXXX XXXX XXXX Mail. I asked her for the XXXX Tracking number and she couldnt provide me with that number. I get alerts from XXXX when there is a package or letter that is coming to me, I checked my XXXX App and there is nothing inbound to my home address. I would like to formally file a complaint against Credit Acceptance on this matter.

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 2026-04-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Because i asking for debt validation letter on the collection from the of collection and the amont no answer back in 6mos, REACH OUT TO XXXX TIME OVER TIME THEY SAY DONT HAVE ANY THING IN MY NAME OR SS NUMBER ON FILE, AND THE LAW SAYING IF CAN FIND IT HAVE TO BE REMOVE OFF MY CREDIT REPORT, I HAVE NOT HEAR ANYTHING BACK IN 6 MOS

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I am filing this complaint against Midland Credit Management XXXX XXXX regarding an alleged debt they claim I owe in the amount of {$880.00} originating from XXXX XXXX XXXX ( XXXX XXXX account ). After reviewing my records and documentation, I have identified material discrepancies, contradictory account records, and inaccurate data reporting that call into question the validity, ownership, and legal status of this alleged debt. CONTRADICTORY ACCOUNT RECORDS The final billing statement from the original creditor reflects the following : Previous balance : {$880.00} Credits applied : - {$880.00} Final balance : {$0.00} Account charged off with all balances removed Instruction clearly stating : DO NOT PAY Despite this, Midland Credit Management is attempting to collect the same {$880.00} balance. This creates a direct contradiction between : The original creditors records showing no balance due. The debt collectors claim that a balance remai ns owed. FAILURE TO EXPLAIN OR VALIDATE TRANSFER Midland states that the account was sold to them ; however : No documentation has been provided showing a valid assignment or transfer of ownership.No explanation has been provided reconciling how a {$0.00} balance account became collectible again. No proof has been provided establishing their legal authority to collect INACCURATE & INCONSISTENT CREDIT REPORTING ( DATA POINTS ) In addition to the above, this account is being reported with inaccurate, incomplete, and inconsistent data, including : Balance Discrepancy : Reported balance of {$880.00} conflicts with the original creditors final statement showing {$0.00} Account Status Inaccuracy : Failure to clearly and accurately report that the account was charged off and reduced to zero by the original creditor Ownership/Responsibility Confusion : Reporting that implies the balance is still owed under the original creditor relationship, without clearly identifying the transition of ownership Date Inconsistencies : Potential inconsistencies in : Date of first delinquency Charge-off date Account status dates Data Integrity Issues Across Bureaus : The account appears to be reported differently across consumer reporting agencies, indicating a lack of consistent and accurate furnishing of information VIOLATIONS & CONCERNS Based on the above, I believe Midland Credit Management has : Misrepresented the amount and legal status of the debt Failed to properly validate the alleged obligation Furnished inaccurate and incomplete information to consumer reporting agencies Engaged in unfair or deceptive collection practices REQUEST FOR RESOLUTION

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
A few times a year, 5/3 Bank misuses {$1000.00} Ive allocated to monthly principal payments for unapplied payments.. It takes me about a week to undo and correct this mistake. They make it difficult too.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports. The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. Equifax , Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
The first week of this new year I sent out certified mail to the debt collectors addressing the collection accounts on my credit report that are not mine requesting the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims that have been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. The date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. I received absolutely no response to my letters I mailed them which I've attached the receipt for. I also followed up with a notice of no response demanding deletion. Still radio silence. These companies have not properly validated or verified the accounts on my credit report who belong to a XXXX XXXX, my name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MCM has called multiple times before XXXX. XX/XX/year> at XXXX XXXX XX/XX/year> at XXXX XXXX XX/XX/year> at XXXX XXXX XX/XX/year> at XXXX XXXX XX/XX/year> at XXXX XXXX XX/XX/year> at XXXX XXXX XX/XX/year> at XXXX XXXX XX/XX/year> at XXXX XXXX XX/XX/year> at XXXX XXXX XX/XX/year> at XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
the company has requested my credit report without my authorization

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 2026-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports. The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. Equifax , Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports. The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. Equifax , Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXX Account Number : XXXX Previous CFPB Complaint : XXXX I am submitting a follow-up complaint regarding Citibanks failure to return my funds after closing my checking account. Citibank closed my personal checking account over one year ago, claiming that I used the account for business purposes because I received payments from XXXX. Since the closure, the bank has continued to hold approximately {$3800.00} of my funds. I previously filed CFPB complaint # XXXX. In response, Citibank stated that they were conducting an investigation and needed an additional 3060 days. That timeframe has long passed, and I have not received my funds or any final resolution. Citibank has not provided any clear legal justification for continuing to withhold my money. Holding my funds for over a year without resolution is unreasonable and unacceptable. I am requesting the following : 1. Immediate release of my funds ( {$3800.00} ), OR 2. A clear and detailed legal explanation for why my funds are being withheld, including applicable laws or regulations. If this matter is not resolved promptly, I am prepared to pursue further regulatory complaints and legal action. I request that the CFPB ensure Citibank provides a final resolution without further 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 explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
Since XX/XX/year> PayPal has neglected me on behalf of securing my account. I have had to file several disputes about money that was being stolen from me and they have done nothing to protect me. I just talked to a lady yesterday and she assured me yhe account was closed but it is not. These people are still able to access my account and move money at their leisure. I suspect PayPal is involved in these scams.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I called this evening to find out why Synchrony bank reduced my available credit went from $ XXXX {$180.00} without any notice whatsoever. I have been paying for the last few years and I do not agree with this decision at all. I did not receive proper notice of this change. I am requesting that my original {$5000.00} credit limit be restored and that Synchrony Bank provide a full explanation for this decision. I am asking for a raise in the credit as I need this card for medical use as well.

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 2026-04-12 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
There is a care credit account with the account number XXXX on my credit report that says its a joint account. I have never aggreed to be a joint owner of any 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 explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PLANET HOME LENDING, LLC
State: VA

Complaint narrative:
I was XXXX by the XXXX XXXX XXXX for a crime I did not commit and later acquitted on not guilty. Resulting in the lost of my job, my lender Planet Home Lending did not let me resolve the case fully before taking my home. The County is responsible for defamation, slander and liability but refuses to honor my Constitutional rights. Dismissing a Constitutional claim on demurrer. As a result I am not able to get employed due to the sensitive nature of my work. I am now unable to meet the obligations and need to be made whole I'm an injured part

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rausch Sturm LLP
State: MA

Complaint narrative:
After my initial complaint, I did receive the validation of the debt. On XX/XX/XXXX, I went to court and set up a payment plan with the attorney. The first payment was to take place on XX/XX/XXXX. On XX/XX/XXXX, I went online to pay the first payment and I could not log in. I called RaushStern and was told my account is on hold and I am not able to pay until the hold is released. I called the attorney I worked with at court and she called and could not get an answer either. This debt needs to be paid by a certain date and if Im unable to pay, I will have to go to trial. I checked the account again this morning and I am still unable to log in to pay the first payment. I dont understand why this company sued me for payment and now theyre refusing to let me pay it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, I called Capital One Travel to modify my flight reservation. During the call, the representative incorrectly changed my return date to XXXX instead of XXXX. This error resulted in a {$32.00} charge to my credit card due to the fare difference. When I called back to correct the date and request a refund, the representative processed a partial refund of only {$18.00} back to my credit card. The remaining {$13.00} was issued as travel credit that expires at the end of this year. Since the original {$32.00} charge was debited directly from my credit card, I am requesting that the full amount be refunded to my credit card. The travel credit expiration policy is unreasonable given that this charge resulted from their error, and I should not be penalized with an expiring credit due to their mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Goal Structured Solutions, LLC
State: TX

Complaint narrative:
I entered into a residential solar agreement with XXXX XXXX for installation of a solar system at my home in XXXX XXXX, XXXX. At the time of purchase, warranty coverage and system support were presented as part of the agreement. My contract also includes a XXXX Power Production Guarantee tied to system performance. After XXXX XXXX filed bankruptcy, I was informed that I must now find my own service provider. This creates a gap in warranty support and exposes me to additional costs that were not disclosed at the time of signing. Upon reviewing my contract, I discovered that warranty terms are referenced under Attachment 2. However, this document was not provided to me and is not in my records. Without a defined service provider, the production guarantee can not be reasonably enforced, as proper maintenance and monitoring are required. I have contacted the loan servicer, Launch Servicing , LLC, to request clarification, documentation, and resolution, including a complete copy of my contract, warranty terms, and full payment history. I also requested an explanation regarding the transfer of my loan between multiple servicers, which I was not clearly informed of. As of this time, the requested information has not been fully provided. This situation represents a material change in the agreement and raises concerns about incomplete disclosure, lack of transparency, and loss of promised support tied to the financed system.

Company response to consumer: Closed with explanation