vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
Company : American Honda Finance Corporation Product : Auto Loan / Financing Account Number :....... Vehicle : XXXX XXXX XXXX VIN :.... Complaint Description I am filing this complaint regarding an auto loan associated with a XXXX XXXX XXXX purchased from XXXX XXXX of XXXX, Wisconsin under the name.... The original retail installment contract was signed on XX/XX/XXXX. After the purchase, the dealership attempted to obtain financing from several lenders. I later received multiple credit denial letters from lenders including XXXX XXXX and XXXX XXXX indicating that financing had not been approved. The vehicle was delivered to me on XX/XX/XXXX while financing approval was still pending. On XX/XX/XXXX the vehicle was stolen after approximately 18 days of possession. Entry was gained through the sunroof. The vehicle was recovered on XX/XX/XXXX and transferred for repair on XX/XX/XXXX. XXXX paid {$8800.00} for repairs and I paid a {$990.00} deductible. I later learned that a second retail installment contract dated XX/XX/XXXX was used to fund a loan through American Honda Finance XXXX. I dispute the validity of this XX/XX/XXXX contract. I did not return to the dealership to sign another contract after XX/XX/XXXX. The signature appearing on the XX/XX/XXXX contract does not match my signature on the original XX/XX/XXXX contract. Additionally, the XX/XX/XXXX contract changes borrower information compared to the original contract. I formally disputed this contract with both XXXX XXXX of XXXX and American Honda Finance XXXX. Certified letters were mailed on XX/XX/XXXX. I also provided Honda Financial copies of the lender denial letters and the original XX/XX/XXXX contract. Despite this dispute, Honda Financial has placed the account into collections and has indicated repossession activity XXXX occur. Because the validity of the XX/XX/XXXX contract is disputed, I am requesting that the Consumer Financial Protection Bureau require American Honda Finance Corporation to investigate the dealer funding documentation submitted by XXXX XXXX of XXXX and determine whether the XX/XX/XXXX contract was properly executed and validly funded. I am seeking a fair resolution and clarification regarding the validity of the contract being enforced.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I didn't use this card to make any purchases. I'm trying to dispute this due to i only use the card once when I opend the card in Hawaii and I paid this off. I need help to get this resolved and more information.

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 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am filing this complaint regarding Midland Credit Management , Inc. for an alleged collection account being reported on my credit report ( Account Name : MIDLAND CRED, Account Numbers : XXXX and XXXX, Balance : {$630.00} ). I have requested proper validation of this alleged debt as required under federal law, yet Midland Credit continues to report this account without providing the documentation necessary to prove the debt is valid, accurate, and legally collectible. Because of Midlands failure to comply with these requests, I have filed complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the Office of the Attorney General. I have done my research on Midland Credit Management, and it is concerning how frequently consumers report similar issues with this company. It is also important to note that in 2026 consumers have access to information through XXXX, AI tools, and federal consumer protection laws, so we understand what proper validation of a debt actually requires. Midland Credit has still failed to provide the legally required documentation validating this alleged account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I am disputing the account reported by LVNV Funding LLC regarding an alleged XXXX credit card account. This account was a secured credit card with a {$200.00} security deposit. The original creditor retained the deposit, which should have been applied to the balance. Because of this, the balance being reported appears inaccurate. I am requesting full validation of this debt including : The original signed agreement with XXXX A complete payment and charge history Documentation showing the {$200.00} deposit was properly applied XXXX LVNV Funding LLC has legal ownership of this debt If this information can not be provided, this account must be removed from my credit report under the Fair Credit Reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 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
State: OR

Complaint narrative:
My Venmo account was suspended approximately XXXX months ago after I attempted to set up a teen/minor account for my son using the instructions provided by Venmo. After attempting this setup, my account became frozen. Recently I received an email from Venmo stating that funds previously under review were now available to be transferred to my bank account. However, when I log in, the system states that my account is suspended and instructs me to check my email for more information. When I try to verify my identity in the app, Venmo reports that it can not verify my identity and instructs me to contact support. However, the support email address provided is not monitored, the help pages only direct me to automated chatbot support, and the phone number only provides automated responses. I have not been able to reach a human support representative. Additionally, I am unable to link a bank account to transfer my remaining Venmo balance because the system returns an error stating that the banking update did not go through. I am requesting assistance so that I can link a bank account and withdraw the remaining balance from my Venmo account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
Under The Fair Credit Act 15 USC 1681 please remove from my credit report I been dealing with this since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: IN

Complaint narrative:
My loan amount has increased by {$3000.00} despite payments I have made and having graduated in 2023. I may have also experienced predatory lending.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have identified multiple credit inquiries on my report from companies with which I never applied for credit or authorized access to my information. These unauthorized inquiries are adversely impacting my credit score and raise serious concerns regarding possible identity misuse or reporting errors. Despite my prior attempts to resolve this matter, the issue remains unresolved. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information appearing on my credit report. I am formally requesting a complete investigation to determine the validity and source of these inquiries and to remove any that can not be properly verified.

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 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I've explained to the creditor my situation I've asked why things have happened the way they've happened I have not never been irresponsible in paying any bills and all of a sudden since receiving this credit card it's been a problem for me every every month and I'll pay the bill on time and I won't find out until 3 weeks later now I'm get a message saying that I'm 30 days late when I paid on the XXXX why am I getting the message now that my bill wasn't paid the thing is is that I pay my bills what I have money in it I'm on XXXX I only get {$990.00} I'm not an irresponsible person and the way that these transactions have been carrying on it's a lot between this credit card and a few others I'm going to follow another complaint next

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 2026-03-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Office of James R. Vaughan, P.C.
State: AZ

Complaint narrative:
Received a response from the debt collector company in the mail. The manager who is responded to the 1 st complaint is still using the law office information because when I called I have to select an option in the phone. Also when you contact them there never answering during the hours of business. They also have bad reviews from other customers also.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am disputing a hard inquiry reported by Ally Financial on my credit report. I did not apply for credit with this company and did not authorize them to access my credit file. Because there was no permissible purpose for this inquiry, it should not appear on my credit report. This inquiry is negatively affecting my credit profile. I am requesting that Ally Financial provide proof of authorization for the credit pull or immediately remove the inquiry from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
Thank you for your attention at this time.This is an opportunity to resolve your past due account at a discount. The discounted amount is displayed below of {$150.00}. Please remit the discount amount by mail.Together with the payment step portion of this notice by telephone or by visiting our self serve XXXX If You would like personal attention. Please contact our call center to discuss suitable payment terms with a customer service agent. Let 's work together to resolve this matter. Thank you, once the discount amount has been posted by our office. Your account will be closed and returned to your creditor as settled in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HF Holdings
State: OR

Complaint narrative:
HF Holdings is reporting a collection account on my credit report for {$1700.00}. The account was last reported on XX/XX/XXXX. I disputed this account and requested debt validation from the company on XX/XX/XXXX and again on XX/XX/XXXX. I asked them to provide documentation proving the debt, including the original creditor, the amount owed, and proof of their legal authority to collect the debt. HF Holdings failed to provide proper validation or documentation showing that I owe this debt. Despite failing to validate the debt, the company continues to report this account on my credit report and attempt to collect. Under the Fair Credit Reporting Act, companies that furnish information to credit bureaus must report accurate and verifiable information. Reporting a debt that can not be verified raises serious concerns about the accuracy of the information being reported. Because HF Holdings has failed to validate the debt and continues to report it to credit reporting agencies, I am requesting that this account be removed from all credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: MA

Complaint narrative:
The cards are advertised to work anywhere that Visa Debit is accepted. This is false advertising, though it wasn't always the case. I've used these cards at XXXX XXXX for years, until they suddenly stopped working 5 months ago. Blackhawk refuses to explain why that was, or when this " temporary '' problem will be over. I don't want to, and never intended to use the cards at any other place, and Blackhawk has refused to give me a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I had opened a chase checkings and savings account and i only received the money from the checking account not the savings account ive tried to reach out multiple times and they never responded or helped

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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: MN

Complaint narrative:
Unauthorized Electronic Fund Transfer Investigation Account Holder : XXXX XXXX Incident Date : XX/XX/year> Exhibit A Incident Summary On XX/XX/year> at approximately XXXXXXXX XXXX while traveling in XXXX XXXXXXXX XXXX my mobile phone was stolen. Shortly afterward, unauthorized individuals accessed my financial accounts and initiated multiple electronic transfers without my authorization. These transactions included transfers through XXXX, Cash App payments to unknown individuals, and ATM withdrawals. The activity occurred rapidly between approximately XXXXXXXX XXXX and XXXXXXXX XXXX The total unauthorized activity is approximately {$9000.00}. A police report documenting the theft was filed later the same day after returning home to XXXX. Exhibit B Unauthorized Credential Change At XXXXXXXX XXXX on XX/XX/XXXX, I received an automated notification stating that the ATM PIN for my XXXX Credit Builder card had been updated. This change was not authorized by me. This event occurred shortly after my phone was stolen and immediately preceded the fraudulent transfers. Supporting document : PIN change notification email Exhibit C Unauthorized Transfers At XXXXXXXX XXXX, a transfer of {$3800.00} was sent to XXXX XXXX labeled Auto repair. This individual is unknown to me and the transaction was not authorized. Additional transfers include : {$2700.00} sent to XXXX {$1500.00} attempted to XXXX XXXX multiple transfers to Cash App totaling approximately {$2500.00} Supporting documents : transaction screenshots payment confirmation emails Exhibit D ATM Withdrawals Between XXXXXXXX XXXX and XXXX XXXX unauthorized ATM withdrawals occurred : {$200.00} {$120.00} These withdrawals were not made by me. Exhibit E Account Takeover Indicators The following indicators support that my account was accessed by an unauthorized party : phone stolen prior to transactions ATM PIN changed without authorization multiple rapid transfers within minutes payments sent to unknown recipients ATM withdrawals attempted new device login detected This pattern is consistent with account takeover fraud. Exhibit F Police Report Police report filed documenting the theft of my phone and the subsequent financial fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I opened a credit card account with Concora Credit and later discovered unauthorized charges on my account totaling approximately {$800.00} that I did not make or authorize. I first reported the fraud to Concora Credit on XX/XX/year>. Since that date, I have contacted the company multiple times by phone to report the fraudulent activity and request an investigation. Each time I was told the issue would be handled. However, after following up again recently, I was told by a representative that there is no fraud claim on file for my account, despite the fact that I reported the fraud months ago. It has now been approximately three months, and the company has failed to properly document or investigate my fraud report. I am extremely concerned about the fraudulent charges remaining on my account and the potential impact on my credit. I am requesting that Concora Credit immediately investigate the unauthorized charges, remove the fraudulent balance of approximately {$800.00}, and ensure that my credit is not negatively affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: VA

Complaint narrative:
There was a charge for {$180.00} to XXXX in Arizona. There was also XXXX for {$5.00} at XXXX I told customer service that I didn't make these charges. The refunded the {$5.00} charge but refused to refund the XXXX charge. I sent them a copy of my police report my driver 's license showing that I live in virginia not Arizona. While I was on the phone with customer service a charge for XXXX XXXX tried to go through of the amount of {$1300.00}. All of these charges were done on my virtual card. I have tried numerous times to get a refund and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I dont know who portfolios recovery is. I never signed any contract or anything with this company. My credit debt was sold to them without my acknowledgment. I never signed any contract allowing XXXX XXXX to sell my personal information. Under 15 US code 6802 : Financial Institutions can not share my non public personal information with third party entities without my consent. This means they dont have the legal standing that they claim to have. I have disputed this info meaning Im no longer liable to pay the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I was served with a notice to appear out of the blue from a company named midland XXXX XXXX XXXX XXXX. On or about XX/XX/XXXX. I have no idea who this company is or any communication regarding owing on a credit card that I never had. I have a credit card currently with the bank that they claim the debt is from. I only have 1 credit card with XXXX XXXX and I have it for 10 years. I still have it and use it and paid on time. I have received NOTHING from MIDLAND/Encore ever. Nothing by mail and no phone calls.. I find it odd that a debt collector HQ in California. Sent this to their XXXX XXXX, Missouri office was notarized from someone in MICHIGAN sent to a attorney who practices in Florida, listed in XXXX but used a XXXX XXXX.. I have investigated ALOT of large Financial Institutions and I will say this is the most circumvented and violation of a fair credit act as well as a number of the fair debt collection practices. I understand this company has had numerous complaints very similar to this. I also understand that they dont like to use their parent company, which is listed as encore which is a publicly traded company as well as the fact that the consumer financial protection bureau won a lawsuit in XXXX after they violated a XXXX consent order for this exact thing. Im going to be appearing by XXXX on XX/XX/XXXX. This is a clear flagrant abuse of every part of the fair credit act and the fair debt collection codes that are in place. I also understand that the parent company encore capital group also has a political pack listed as the encore XXXX XXXX Im going to be looking into this extensively because not only do I feel like this is a falsified account which would explain the lack of communication or paperwork or phone calls trying to collect any debt and instead just filing a lawsuit straight away Im gon na be looking at the fact that this might be politically motivated and that my civil rights have been violated as well.

Company response to consumer: Closed with non-monetary relief