vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
XX/XX/scrub>XXXX  - debit card erroneously charged {$1600.00} by XXXX XXXX XXXX XXXX XXXX

XXXX  - charge disputed with USAA categorized as " fraud '' - USAA issued temporary credit of {$1600.00}, but identified it as " refund '' as opposed to temporary credit due to dispute.

XXXX - Debit card temporary credit recovered by USAA, {$1600.00} fraud dispute closed without action.

XXXX  - I opened a non-fraud dispute, and USAA immediately performed " Debit Card Recovery for {$1600.00}.

XXXX XXXX I called and spoke with XXXX  Senior Dispute Resolution Specialist and he agreed with me that this was an error by USAA - XXXX stated he made detailed notes.

XXXX - temporary credit issued by USAA for dispute, {$1600.00}XXXX XXXX  - USAA recovered yet another {$1600.00} for the debit card dispute - no actions taken by Dispute Resolution Team.

I have called numerous times. I finally reached out to Member Advocacy Group, and after explaining the bank error, case was assigned to " XXXX. '' XXXX sent email stating no actions would be taken and the case was closed. I have called and left 4 voice mails for XXXX with no response, all the while being down {$1600.00} from the bank as well as the hotel, who is waiting for a dispute to be opened to refund the amount erroneously charged.

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 2026-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I contacted national credit systems and let them know I had not received my mailbox keys that this debt letter was in therefore I missed the deadline to not have this on my credit report. On my credit report it says national credit systems is the original creditor and that is indeed false information and misinterpretation about who they really are. I never signed a lease with national credit systems

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: AL

Complaint narrative:
I discovered an insurance-related collection account reported by Receivable Management on my credit report. This was the first time I had ever seen or been notified of this alleged debt. I never received billing statements, claim documentation, cancellation notices, subrogation demands, or notice that the account was transferred or assigned for collection prior to reporting. 

Receivable Management is reporting this account without establishing that I was the named policyholder or legally responsible party. Insurance-related collections require verified policyholder status, proper notice, and lawful assignment. Reporting without this documentation violates the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

The account is being furnished without verification of accuracy, violating FCRA 1681e ( b ), and continued reporting after dispute violates 1681s-2 ( b ). Misrepresenting the legal status or amount of an insurance-related obligation violates FDCPA 1692e ( 2 ) ( A ) and 1692e ( 10 ).

Insurance collection activity conducted without proper authorization and disclosure also constitutes an unfair or deceptive insurance practice under Ala. Code 27-12-11.

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 2026-01-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CarMax, Inc.
State: GA

Complaint narrative:
Carmax harassed my mother via telephone for 4-5 weeks, they harassed me daily with calls for 2 months. The day of pickup XX/XX/XXXX - XX/XX/XXXX Carmax surveillance me the entire evening in a XXXX  car with XXXX huge lights on the back - white male blue shirt following me around my apartment complex. 

I advised the tow driver XXXX before he took it and I pulled off. They waited for 3 hours at my home until I returned. Then I saw the Tow driver again for the second time. He kept driving up to my car then pulling off at XXXX XXXX  XX/XX/XXXX. I fell asleep by XXXX XXXX, they watched and stalked me. Then took the vehicle. 
Shortly after purchasing the vehicle on XX/XX/XXXX, I discovered a major defect in the [ engine/transmission/tires pressure monitoring system, airbag, Sunroof, electrical door handle, Alignment, front rodors, breakpads, XXXX XXXX XXXX XXXX, XXXX sensor lights were on ]. On [ XXXX XXXX ] I brought the vehicle to the CarMax service center located at XXXX XXXX  XXXX XXXX XXXX GA XXXX. 
Despite a series of repair attempts, documented on invoices dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the problem was never successfully fixed. 
During this time, I was assured the issues would be resolved, BY MECHANICS THAT WERE LICENSED TO REPAIR XXXX XXXX VEHICLES but they have continued to persist past the eligible return period. 
As a result, I have suffered financial damages, including lost of wages, continues car issues that can lead to danger and harm, such as repair costs, diminished value, alternative transportation costs, continues fraud a mis-leading by CarMax Management , and representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I requested an analysis from Freedom Mortgage because when I made my XXXX payment I saw that they were holding XXXX dollars on my statement for property taxes. I called and asked why this was because I am a XXXX percent XXXX Veteran, which the tax office will verify, and Freedom Mortgage should have known this when my account was transfered from XXXX XXXX to Freedom Mortgage. In XXXX of XXXX  Freedom Mortgage paid my homeowners insurance and my windstorm insurance through escrow, and there was nothing left owing. My escrow balance is XXXX dollars and XXXX cents. When I received my analysis it states that I have a surplus of XXXX dollars and XXXX cents, in which they will send a check. I also asked that now that I have a new payment amount of XXXX dollars, instead of the XXXX dollars that I was paying, will that be a sufficient amount in escrow to cover my homeowners and windstorm insurance in XXXX, in which the man stated yes. I then asked, why is there so much left in escrow, since all payments have been made, and I only have a surplus of the amount quoted. I do know that there is a certain amount that must be maintained in escrow at all times, and I believe that at the end of year there should be at least XXXX to XXXX dollars in escrow, but to say that I only have a surplus of XXXX dollars, I have a problem with that. I called yesterday, XXXX XXXX, and was transfered to at least 4 different people that couldn't answer the question, or didn't even know that I didn't have property taxes. The one man I spoke with understood nothing. He said, " oh, you have no homeowners insurance '', and I said, what are you talking about, you just paid my homeowners insurance and my windstorm insurance. I am dealing with morons. I am XXXX  years of age, and know more about the mortgage business than the people that are supposedly experts handling my mortgage.

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 2026-01-09 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: Early Warning Services, LLC
State: GA

Complaint narrative:
on XX/XX/year> My Zelle account under XXXX was deactivated due to reported fraudulent payment from XXXX XXXX. I contacted Zelle who is owned by Early Warning Services LLC and advised that the report was false and service was provided to the Client. I advised that I did not steal any funds and that service was provided. However, Zelle did not properly investigate or take action against the false claim. 

In a previous complaint Early warning services did conclude that they lifted all restrictions on my zelle account. However this was sent to the incorrect banking institution. The previous complaint included that XXXX XXXX XXXX XXXX XXXX  would be contacted which is the incorrect institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

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 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XXXX XXXX XXXX  my Navy Federal debit card was lost. After that date, multiple unauthorized transactions occurred on my checking account, including ATM withdrawals and merchant transactions, totaling a significant amount. I did not authorize, participate in, or benefit from any of these transactions. 

I reported the unauthorized activity promptly and filed a fraud claim. Navy Federal denied the claim, and the initial investigation was completed in less than 48 hours. No provisional credit was provided during the investigation. 

I requested a second review and asked for information regarding how the transactions were authenticated, the investigation findings used to deny the claim, and an explanation under Regulation E. Navy Federal upheld the denial without providing sufficient documentation or a clear explanation of how the transactions were determined to be authorized despite the card being lost. I am filing this complaint because I believe Navy Federal did not properly investigate the unauthorized transactions and did not comply with Regulation E requirements regarding error resolution and provisional credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
XXXX XXXXXXXX is the owner of our mortgage. PHH Mortgage is collecting loan payments on behalf of XXXX XXXXXXXX. XXXX XXXXXXXX has been paid in full since XX/XX/2022. We request that XXXX XXXXXXXX have the servicing company PHH Mortgage XXXX XXXX release of lien in the XXXX XXXX XXXX XXXX office, PHH Mortgage adjust our account balance to {$0.00} and report our mortgage as paid in full to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

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 2026-01-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX called saying she was from XXXX XXXX XXXX XXXX. Phone number ( XXXX ) XXXX. She she was a collection agents attorney. Was trying collect a debt over 20 years ago. I thought it was legit because they told me if I didn't pay, they will take me to court and I would have to pay their legal fees, plus the {$710.00} which is now {$1900.00}. 

They already had my contact information including last 4 of my son. I paid {$270.00}, but then thought about. I never had a collection notice about payday loan in the past. So I called my credit card company and stopped the transaction and requested a new card. The credit card company is doing an investigation.

I also looked up this company ( after the scam ), and found out they aren't a real law firm and are based out of North Carolina and South Carolina. The page that came up said " SCAM '' with the name XXXX XXXX XXXX XXXX GCS. The email is XXXX XXXX XXXX. 

They call you all hours with threatening voicemails from different are code " 833 ''. They are calling family members that I don't talk to causing complications even further. They also have my information and can do harm to my credit ratings and open accounts or loans in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: Americas Car-Mart, Inc.
State: KY

Complaint narrative:
So basically I go to a car lot get this car put my money down I get the car Im giving the money giving them money giving them money on a weekly basis to the point Im tired of the XXXX the company had to offer so I give them there car back I havent driven the car in months and weeks on end Id receive letters in the mail from the car company stating the were selling the vehicle I returned but yet there still trying to scam money from me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am sick and tired of this runaround and closing of my cases because no one is doing their job/position correctly. The CFPB is acting like a child that does not understand it's own power, and the XXXX bank Wells Fargo is continuously acting in a fraudulent manner. I demand my case be reopened and properly administrated because someone knows what is going on. My case and responses from the XXXX XXXX  have been improperly administered. I demand a proper attendant be placed on my account to administer positive results to me, otherwise you and everyone else who is behaving in this manner are accessories to the hindrance of my constitutional rights. My address is XXXX XXXX XXXX, XXXX, Maryland XXXX. Someone is letting the computer do the human work that is necessary to end this nightmare. Someone is taking the easy way out and performing evil illegal unconstitutional acts on a XXXX XXXX. I demand justice. If need be, I want to perform a XXXXXXXX XXXX arrest. Who is in charge of this agency? I read that agency employees will get paid so there is no reason to hinder my case. What could be the issue here? I am not playing games because I will sue Wells Fargo. I should have had access to procedures for legal action against Wells Fargo. You think who I am is a joke. I really am who I say I am, but I believe there is something terribly terribly wrong here with the credentials of those administering my case at the CFPB. I am not a XXXX  person, but I really do feel very very XXXX  right here and now. These illegal activities are taking place because someone at the CFPB IS NOT DOING THEIR JOB. THE COMPANY 'S FEEDBACK IS A REFLECTION OF WHAT YOUR JOB SHOULD BE FILLING. YOU ARE ALMOST COMPLETELY ROBOTIC and act as if you are not here to serve the public. Talking about FEEDBACK ONLY I RECEIVED FROM THE COMPANY, THIS IS IT WHICH I HAVE FORMERLY STATED TO YOU BECAUSE YOU ARE A REFLECTION OF EVERYTHING WELLS FARGO IS FALSELY STATING TO ME. YOU HAVE BEEN DISRESPECTFUL, UNPROFESSIONAL AND ACTING IRRESPONSIBLY. PLEASE GET THIS TO A SUPERVISOR, CEASE AND DESIST. Someone at Wells Fargo needs to be fired, put behind bars and/or seriously reprimanded. I want the response of a supervisor with positive results. Who ever heard of attempting to keep a daughter from receiving their father 's inheritance. IT IS SHAMEFUL AND DISGRACEFUL TO CONTINUE THIS SCAM. I have written you many, many times and there is no excuse. I AM NOT POLITICAL, NOR DO I CHOOSE TO USE AFFILIATION TO SOLVE AN ISSUE THAT CLEARLY SHOULD HAVE BEEN SOLVED OBJECTIVELY AND WITH MY LEGAL DOCUMENTS A YEARS AGO. 
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 2026-01-09 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: TX

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

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 2026-01-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
My credit card was saved into the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX for a subscription. I tried to recently remove my payment and was denied. I was told I had to put another card in its place. This should be 100 % illegal and we need laws in place to enforce it starting at the banking level. I have spent countless hours on the phone with my bank and I have gotten nothing but an unwillingness to help and care. Instead of helping me they told me i had to cancel my credit cards. I asked if they could call the company and figure out what's going. I was advised that all fruad and scam activities are my responsibility. They are just a bank. They can not keep up with all the scams and fraud happening in our country and I was advised to do my due diligence and figure it out my self. In a nut shell. 
XXXX had my business account hacked this year at least twice now with absolutely no willingness to find out who was behind it. The bank simply stated we cant do anything about it. I believe my information was jeopardized as result of incidents like the one explained above to be the reason my info was stolen in the first place. These banks are putting the responsibility on us there customers and gaslighting us into believing they are doing everything they can when in reality they wont spend the money or resources becuase, as one of the bank managers recently told me " they have a responsibility to there shareholders to pay out dividends and make a profit '' Disgusting to say the least. My absorbent amount of interest i pay bolsters an allready corrupt system and me and my finances are expendable as a result of. This bank claims to be a not for profit bank but they pay divends to there investors. Sounds like a profit to me worded in legal jargon. KEEP BILLIONAIRS OUT OUR BANKS!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: AL

Complaint narrative:
I discovered a medical collection account reported by XXXX XXXX XXXX  on my credit report. This was the first time I had ever seen or been made aware of this alleged debt. I never received a bill, notice, explanation of benefits, validation notice, or any communication from either the medical provider or XXXX XXXX XXXX prior to credit reporting. 

XXXX XXXX XXXX is reporting a balance that exceeds the listed high credit amount and reflects inconsistent payment history and delinquency dates. This constitutes inaccurate reporting under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ) and 1681i. 

XXXX XXXX XXXX has furnished this account without providing validation as required under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Continued reporting of an unvalidated debt constitutes collection activity and violates 1692g ( b ).

Because this is a medical account, XXXX XXXX XXXX has also disclosed protected health information beyond the minimum necessary without my authorization, in violation of HIPAA, 45 C.F.R. 164.502 ( a ). 

Additionally, misrepresenting the amount owed and attempting to collect unauthorized fees violates FDCPA 1692e ( 2 ) ( A ) and 1692f ( 1 ). These actions also constitute deceptive trade practices under Alabama law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 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
State: WV

Complaint narrative:
My XXXX  account was permanently limited following an identity verification review. During the verification process, I accidentally entered an incorrect birth year. This was an unintentional error, and I am able to provide accurate government-issued identification to fully verify my identity. 
Shortly after this verification attempt, my account was permanently restricted without a clear explanation of the specific policy violation. I contacted XXXX  support to request clarification and reconsideration, but received only generic responses stating that services are no longer available to me. 
I am requesting a manual review of my account based on corrected and verifiable identification information, or a clear explanation of the reason for the permanent limitation. 
I have not engaged in fraudulent activity and am willing to cooperate with any additional compliance requirements.

Company response to consumer: Closed with non-monetary relief