vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
Vehicle was repossessed from a family members property, XXXX wheels and the top of the vehicle were damaged in the process. The chain across the driveway was ran over in the process and damage to the front plastic under the bumper. License plate light was cracked. The tow trucks XXXX emergency light scared away XXXX of my families chickens as well and they parished. All on security camera. I was terminated from my work due to not showing up because I had no way there. If they would have contacted me I could have made arrangements for a ride. They showed up at XXXX unannounced and did not knock.

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 2026-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am disputing the accuracy and legality of how this debt is being reported on my credit report. 

I requested debt validation, and the company has either failed to properly validate the debt or continues to report information that appears inaccurate and/or misleading. 

Specifically, I am concerned about : Reporting without proper validation Inaccurate payment history and/or dates Potential unlawful re-aging Continued credit reporting while the account is disputed This account is being reported inconsistently across credit bureaus, and I have never made a payment to this collection agency. 

I am requesting that the company either provide full, lawful validation of the debt or cease reporting and delete the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 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: MI

Complaint narrative:
I deposited money to cash app from my pay check XX/XX/year> around XXXX XXXX at XXXXXXXX XXXX  I woke up to an alert on my phone saying an email was added to my cashapp then another immediately behind it saying my email was removed then my devices. At the time I had over {$600.00} in the account and whomever added an email stole my money and closed my account. They said once the account is closed it's a permanent action. I have a security on my app that is supposed to text my phone a code when a device tries to log in that is not my phone and I got no alert now they are saying I can't get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
For the following companies please remove from all creditors : Credit Acceptance Corp account # XXXX XXXX XXXX XXXX account # XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX I am submitting this complaint to dispute the continued reporting of late payment notations on one or more credit accounts that are paid in full and closed.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ( a ) ( 1 ) ), consumer reporting agencies and furnishers are required to ensure that information reported is accurate, complete, and not misleading. While these accounts may have reflected late activity in the past, they have since been fully satisfied. Continued reporting of derogatory payment history without proper updating misrepresents the current status of the accounts.

Additionally, 15 U.S.C. 1681s-2 ( a ) ( 2 ) requires furnishers to correct and update information so that it remains complete and accurate. Failure to remove or properly update late payment indicators on accounts that are paid and closed raises concerns regarding compliance with this obligation.

As a Texas consumer, I am also asserting my rights under Texas Finance Code 392.202, which requires furnishers to conduct a reasonable investigation upon receipt of a dispute and to correct or delete any information that is inaccurate, incomplete, or unverifiable.

I have disputed this information because the continued reporting of late payments on completed accounts does not accurately reflect my current credit standing. I am requesting that the CFPB require the furnisher and/or credit reporting agency to investigate, verify, and remove any inaccurate late payment notations, or provide proper documentation supporting their continued reporting.

I am requesting written confirmation of the results of the investigation and confirmation that the reporting complies with all applicable federal and Texas laws. 
Thank you for your assistance in resolving 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 2026-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am disputing the accuracy and legality of how this debt is being reported on my credit report. 

I requested debt validation, and the company has either failed to properly validate the debt or continues to report information that appears inaccurate and/or misleading. 

Specifically, I am concerned about : Reporting without proper validation Inaccurate payment history and/or dates Potential unlawful re-aging Continued credit reporting while the account is disputed This account is being reported inconsistently across credit bureaus, and I have never made a payment to this collection agency.They also call my family members that I have no contact with in a state I no longer live in. They call them multiple times a day. They have no relation to my debt. 

I am requesting that the company either provide full, lawful validation of the debt or cease reporting and delete the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against Experian Information Solutions for failure to comply with the Fair Credit Reporting Act. I disputed a collection account reported by XXXX XXXX XXXX on my Experian credit report. Experian responded that the account was verified after reinvestigation but did not provide documentation supporting the verification. After receiving Experians response, I exercised my rights under FCRA 611 ( a ) ( 7 ) and submitted a formal Method of Verification ( MOV ) request, asking Experian to disclose : The name, address, and phone number of the party that verified the information The verification process used The documents relied upon The date verification occurred Experian failed to provide a meaningful response to the MOV request. Any response consisting of generic language such as verified electronically does not satisfy the requirements of the Fair Credit Reporting Act and does not constitute a reasonable investigation. By failing to disclose the method of verification, Experian has violated FCRA 611 ( a ) ( 7 ) and failed to conduct a reasonable reinvestigation under FCRA 611 ( a ). I am requesting that Experian delete the XXXX XXXX XXXX collection account immediately or provide full documentation proving the accuracy and legal reporting of this trade line.

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 2026-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CHERRY TECHNOLOGIES INC.
State: PA

Complaint narrative:
Original date of XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX for XXXX XXXX that doctor said I needed a XXXX XXXX XXXX XXXX XXXX, I had several follow ups before Procedure than I requested doctor to fix it after administered but was denied as he said it was all in my head I followed up for requested help XX/XX/XXXX XXXX XXXX and over the phone everyday in between, this XXXX  is unfinished and hurts to chew I am aware of my body and would not make this up, all he had to do was fix it, but instead disrespected my body autonomy this XXXX XXXX from XXXX XXXX XXXX XXXX should not be allowed to practice and should be under scrutiny to remove his license, he is lazy condescending patronizing and does the bare minimum of work to collect large amounts of insurance money, this is mal practice, he caused tens of thousands of more work to my mouth and missed XXXX carries another provider found and confirmed, I disputed the charge with him and the third party cherry technology lending company that is denying my dispute and a harassing debt collector for this job unfinished they are completely unaware of!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
Sequium Asset Solutions is reporting a collection account on my credit report that has been paid in full and closed. 

The original amount of the account was {$350.00}. The account was paid and closed in XX/XX/year> and currently has a zero balance. Despite this, the account continues to be reported as a collection, which is misleading and does not accurately reflect my current financial obligation. 

I disputed this account with the credit bureau, and it was verified without clear evidence that post-payment reporting is accurate. I am requesting correction of this inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
This is in response to a former complaint filed against Capital One, who never provided validation. Capital one keeps saying that I am an unauthorized user on my own complaints. I am doing this myself and have provided validation that it is me and not someone else. Capital One was issued a cease and desist letter notifying them that they do not have my permission to use my information. Capital One has ignored all of this and has sold some alleged debt to XXXX XXXX XXXX. I then requested Validation of the debt back in XX/XX/year> and received a response that did not validate anything. XXXX XXXX XXXX XXXX refused to provide proof that they even purchased alleged debt. As of today XXXX XXXX is reporting to my credit report despite offering no validation. IN XXXX XXXX XXXX XXXX XXXX was also issued a cease and desist letter. They have also ignored this and call at least XXXX  times a day. I am keeping record of all of this. They are also continuing to use my information without providing a valid contract of any kind. I am giving XXXX XXXX XXXX XXXX XXXX  days under the law to remove their unvalidated claims from my credit report. I will also be filing identity theft reports and reporting them as commiting fraud to the IRS. I will then be forced to pursue legal action and damages. I am including a response letter that was sent out earlier this week to XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding Cash Apps improper denial of my dispute for an unauthorized ATM withdrawal in the amount of {$180.00}. 
On XX/XX/XXXX, an ATM withdrawal for {$180.00} was made at a merchant listed as XXXX XXXX. I did not make or authorize this transaction. I was in California at the time, and I did not withdraw cash at this location. 
I promptly submitted a dispute through Cash App on XX/XX/XXXX, selecting I didnt make this transaction. I confirmed that : My phone was not lost or stolen My Cash App card was not lost or stolen I did not share my PIN or account credentials I did not authorize this transaction in any way Cash App completed its investigation on XX/XX/XXXX and denied my dispute. 
After requesting the documents relied upon for the denial, Cash App sent me a letter dated XX/XX/XXXX. That letter states, without evidence, that the transaction was authorized and that no error occurred. 
Why this is a problem ( Regulation E violations ) Cash App has failed to comply with Regulation E ( 12 CFR 1005.11 ). 
The denial letter provides only a summary of internal review and a list of associated transactions. It does not provide any proof that I authorized the ATM withdrawal. Specifically, Cash App failed to provide : ATM terminal logs confirming PIN entry by me Any documentation showing my physical presence at the ATM Surveillance footage or location verification Evidence from the ATM operator or merchant Any explanation for how the transaction was authorized without my consent Under Regulation E, the burden of proof is on the financial institution, not the consumer, to demonstrate that an electronic fund transfer was authorized. A conclusory statement that a transaction was authorized without supporting evidence does not meet this legal standard. 
Cash Apps response shifts responsibility to the consumer and denies reimbursement without demonstrating authorization, which is inconsistent with Regulation E requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 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: NC

Complaint narrative:
I currently have XXXX pending bank transfers on my Venmo account. All of which should have gone through by now. XXXX of them was initiated on XX/XX/XXXX, the other was initiated on XX/XX/XXXX, the XXXX  was initiated on XX/XX/XXXX. Standard transfers are supposed to take XXXX days. I have yet to receive any of my nearly {$3000.00} that is supposed to be transferred to my bank. Not only are my transactions bouncing, my mortgage is due tomorrow and I don't have the funds to pay it. I've tried XXXX times to contact Venmo, the XXXX  time I was purposely disconnected, The XXXX  time I was lied to and told that I would be receiving a personal email with someone's personal contact information who would follow up with me personally with the answers to the questions that I asked, I never received that. The XXXX  time I waited on hold for XXXX minutes while the agent looked into my issue just to tell me that he could not provide me with any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: OR

Complaint narrative:
Si n XX/XX/XXXX I woke up early and made two regular purchases online after being paid by my approved direct deposit employer. Later on that day bill companies contacted me to let me know my automatic payments were not going through. I also tried to make a purchase online and it didnt go through so I conated US bank. They told me my account was on a hard hold and due to close. I demanded more information as to why my account of almost 10 years was closing ( since XXXX XXXX XXXX of age ) and all they had to say was fraud. I demanded more information and after numerous days of speaking to numerous departments and staff no one seems to have an answer and my funds are all on hold. As of now that is my only bank account and Im afraid because they wont release my funds and I dont have anymore money and I also must pay rent.

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 2026-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against XXXX XXXX for continued reporting of inaccurate, misleading, and unverifiable information on my consumer credit report, despite XXXX ( XXXX ) prior disputes. XXXX XXXX has failed to conduct a reasonable investigation and has failed to correct or delete inaccurate information, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

Creditor : XXXX XXXX Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Account Status Reported : Closed / Charged Off Balance Reported : {$3100.00} Past Due Amount : {$2900.00} Balance Last Updated : XX/XX/XXXX Status Last Updated : XX/XX/XXXX Basis of Complaint XXXX XXXX is reporting this account with material inconsistencies and factual inaccuracies, including : A balance update in XX/XX/XXXX while the account status has not been updated since XX/XX/XXXX, which is contradictory and misleading. 

A charged-off balance being reported without corresponding verified account activity. 

Repetitive charge-off and delinquency markers that improperly extend the appearance of active default. 

Past due amounts being reported without lawful validation or explanation. 

Failure to correct or delete inaccurate information after XXXX separate disputes, demonstrating a pattern of noncompliance and inadequate investigation. 

Violations XXXX XXXX actions constitute violations of, but are not limited to : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681s-2 ( a ) Furnishing inaccurate information.

15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation after receiving disputes. 

Updating a balance in XXXX while maintaining a XXXX status date is deceptive and inaccurate reporting and does not meet federal standards for accuracy or completeness. 

Harm Caused XXXX  XXXX continued inaccurate reporting has : Damaged my credit profile Negatively impacted my creditworthiness Caused ongoing financial harm and distress Prevented me from obtaining fair credit opportunities Resolution Requested I am requesting that the CFPB require XXXX XXXX to : Immediately delete this account from my credit file, or Provide competent documentary evidence validating the balance, charge-off, and reporting timeline, and Correct all inaccurate and misleading information being reported. 

If XXXX XXXX is unable to substantiate this account with proper documentation, it must be removed in accordance with federal law. 

I appreciate the CFPBs assistance in resolving this matter, as XXXX XXXX has failed to comply with its legal obligations despite multiple good-faith attempts to resolve this directly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2025, I deposited a {$400.00} check into my Citibank BUSINESS checking account using Citibanks mobile app. Citibank placed a hold and has withheld the funds for 18 days. Citibank states they can not verify the maker because they could not reach him by phone due to him having a new phone number. This is not a valid justification. The makers current phone number is already the verified contact number on his bank account, and his bank shows the check ( # XXXX ) was debited/paid on XX/XX/2025. Citibank has not provided a valid Regulation CC exception basis or a clear required availability date and is improperly withholding my deposited funds. This hold caused financial harm including a {$100.00} rent late fee.

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 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Webcollex, LLC
State: CA

Complaint narrative:
debt validation, i was not notified of any debt regarding this company

Company response to consumer: Untimely response
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Paramount GR Holdings, LLC
State: NV

Complaint narrative:
On XXXX XXXX, 2023, XXXX XXXX representatives forced my household into a solar contract and financing agreement with GoodLeap. I did not sign the contract with XXXX XXXX. The salesperson completed the signing process themselves and did not allow us to read the contract. The customer signature and initials on the contract are not mine. 

After the system finally went live several months later, we experienced continuous operational problems. Before the issues could be resolved, XXXX XXXX went out of business and filed for XX/XX/XXXXXXXX bankruptcy, leaving the system unsupported. 

We were pressured by the salesperson to accept financing through GoodLeap and told that if we did not agree, a lien would be placed on our home. We were also promised a 30 % federal tax credit, which we never received, and a XXXX system warranty, which is now meaningless due to XXXX XXXX bankruptcy. 

Despite these circumstances, GoodLeap has refused to meaningfully consider our financial hardship. I formally requested that our monthly payment be reduced to {$100.00}, but there is no effective way to reach GoodLeap for hardship assistance or to receive clear responses. 

I am a XXXX XXXX XXXX combat veteran rated 100 % permanently and totally XXXX. My spouse is also XXXX due to XXXX and XXXX XXXX. We believe we have been taken advantage of. 

We have filed a formal complaint with the State Attorney Generals Office and are currently awaiting a response. 

GoodLeap has stated that they may come onto our property to shut off the solar system. Our home and community are private property, and GoodLeap does not have legal authorization to enter our property or interfere with our home or equipment.

Company response to consumer: Closed with explanation