vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
The car was involved inside of an accident. The car ended up getting fixed, but then they came to repossessed the car so they took it from the dealership where the place where it was, and then they were saying that the motor in the car was blowed motor was never built in the car. The car had an accident in the back of the car. They tried to charge more than ever for the car and on top of that I was not the actual owner. There was a cosigner on the car.

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 2026-04-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have had credit cards and time accounts with Capital One since the XXXX. This particular savings account I opened decades ago and self funded it first. But I come from a group of families that are long time bankers so they set up dual accounts and were using this relationship to teach me about establishing and keeping a long relational bond with the bank. Sometime, I linked this savings account to my XXXX account whom I've also been with since the XXXX. I decided to move a large sum out of this account since my father told me he had been putting multiple regular deposits from his account for a couple of years. I had noticed the balanced for told on my online profile was always about XXXX XXXX no matter what over the years. I was told by someone don't worry and they disclosed what this meant. Unfortunately, when I initiated these frequent external transfers it sent a panic to the bank and they shut me down but provided little truth in auditing and disclosure of their concerns. Later my father told me he directed me in way to see if I would know what to do if bank closed on you to protect their general account. Subliminally, I have since before college knew I was connected to the banking system because of what I get passes on and the ease of getting another account. I've been with over XXXX fiduciary firms having time deposits. And I know various family connections set up dual accounts. We I'd like to gain access back to this account because I understand it is still funded and sits frozen but the tele staff keeps denying me access via phone and it does not have brick and mortor offices. However, they have limited support at Capital One XXXX. I'd to get dusclosure on all accounts I've had in my and joined accounts with families named XXXX, XXXX, XXXX or XXXX. So I can do my due diligence and decide how to proceed since my father is deceased now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I disputed this account and it was marked as verified without proper documentation. I requested validation and method of verification but have not received adequate proof. This account is damaging my credit and should be removed if it 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 2026-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: MI

Complaint narrative:
I am being subjected to fragmented and harassing debt collection tactics by XXXX and XXXX on behalf of Jefferson Capital Systems , LLC ( Original Creditor : XXXX XXXX XXXX ). Since XX/XX/year>, I have received 13 separate collection notices for different 'account numbers ' and fragmented amounts ranging from {$34.00} to {$1200.00}, totaling over {$4200.00}. This practice makes it impossible to verify the debt or understand the total liability. Furthermore, the collectors have applied small 'credits ' to these accounts ( e.g., {$2.00} and {$39.00} ) which I never authorized or paid, which I believe is a tactic to restart the statute of limitations or imply an admission of debt. I have repeatedly requested a consolidated validation notice and a cease-and-desist on phone calls, but the fragmented emails continue daily. I am requesting that the CFPB compel these agencies to provide one single, consolidated accounting of all alleged debts and to stop the harassing frequency of these individual notices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CLGF Holdco 1, LLC
State: IA

Complaint narrative:
I previously paid off my milestone Mastercard and asked for a permanent delete off credit report. Here 's the proof /Our Reference Number : XXXX Original Creditor : Genesis FS Card Services XXXX XXXX of XXXX XXXX XXXX XXXX Original Creditor Account Number : XXXX Current Creditor To Whom Debt Is Owed : XXXX XXXX XXXX, XXXX Current Creditor Account Number : XXXX Original Balance : {$520.00} Compromise Offer : {$52.00} Amount Remaining on Compromise Offer : $ XXXX I want it gone off my credit expediously period and my credit scoring to change off of all XXXX bureaus and updated right away

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Pomelo Technology US Inc
State: MI

Complaint narrative:
On XX/XX/year>, I used XXXX to transfer XXXX XXXX ( approximately {$1000.00} ) to a beneficiary in XXXX. After 13 days the funds were never received. I contacted XXXX support multiple times over email and phone. They confirmed the account details were correct and provided XXXX number XXXX but the beneficiary 's bank ( XXXX ) shows no credit. XXXX refused to provide transaction proof or intermediary bank details citing internal policies. They kept sending repetitive copy-paste responses with no resolution. I have the beneficiary 's bank statement proving non-receipt and full email correspondence documenting XXXX 's failure to resolve this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I am filing this complaint regarding a rental debt reported and/or collected by the company associated with my previous tenancy at XXXX XXXX XXXX XXXX This account is currently being reported in a way that is preventing me from securing safe housing. On XX/XX/year>, I contacted the company via email requesting review and removal of the rental balance due to XXXX XXXX circumstances that occurred during my tenancy. In that written request, I explained that the situation impacted my ability to safely remain in the lease and requested compassionate consideration for removal of the balance and any negative credit reporting. After receiving no response, I followed up by phone to inquire about the status of my request. During that call, I was informed that a police report would be required in order for the company to review or consider removal of the account. The company has refused to properly investigate my dispute unless a police report is provided. I do not believe this is a reasonable requirement, as a police report is not required under the Fair Credit Reporting Act for a consumer dispute or debt validation request. This debt is connected to a XXXX XXXX situation that occurred during my tenancy. At the time, I did not file a police report due to safety concerns. I am currently seeking XXXX XXXX support services and addressing the ongoing impact of that situation. The continued reporting and collection of this debt is causing significant financial hardship and is directly preventing me from obtaining safe housing. I am requesting full validation of the debt, including lease documentation, itemized charges, and proof of liability. I am also requesting a fair investigation of my dispute without requiring a police report, and reconsideration of responsibility based on the circumstances of XXXX XXXX. I am willing to provide additional supporting documentation, including a notarized personal statement and verification from XXXX XXXX support services if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank Visa Card was informed that I returned merchandise to the merchant XXXX. I tried to show evidence that the merchandise was returned but Synchrony secure method for providing pics does not work. I ask for alternate method such as email they could not accommodate my complaint. Printing the pics and mailing would not work with me. So I will provide the evidence of return XX/XX/XXXXmerchandise to you. Also request that Synchrony credit my card for {$160.00}. Further I provided evidence thru a chat with Synchrony customer service and I was told she could not accept the evidence and she did not have a supervisor. If I could email Synchrony this complaint could have been avoided.

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 2026-04-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to report an error in a debt collection process. The collection agency ( TrueAccord, a third party collection agency collecting on behalf of XXXX XXXX XXXX XXXX XXXX. XXXX account number is : XXXX ) is erroneously accusing me of a debt that belongs to a different person. My name is XXXX XXXX, and the debt is not mine. I request a review of this case and an immediate correction of my records. I have attached copies of my identification and any documents that verify my identity. I look forward to your response and a resolution. Sincerely, XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: NM

Complaint narrative:
I obtained a loan from One main financial in the XXXX XXXX XXXX to help pay for my roof repairs. I have been making my payments but not on time due to losing my job. Every month I am getting harassed constantly by XXXXXXXX XXXX XXXX XXXXXXXX and XXXX they both are rude, very unprofessional worst then credit collectors. On XX/XX/year>XXXX My precious manager informed me that she had spoken to XXXX when she called and let her know I am no longer employed there. XX/XX/year>XXXX at XXXXXXXX XXXX I spoke to XXXX on my cell phone I let her know I would be making the payment but would be late on it, she asked me what my situation was as I proceed to tell her she starts interrupting me and speaking over me in a high-pitched voice verbatim " You have to pay your it's your responsibility XXXX there is no excuses. '' XXXX XXXX Branch Manager XXXX XXXX XXXX XXXXXXXX leaves a very detailed voicemail on my previous employer mailbox about my financial situation after being told I am no longer employed there, Branch manager emailed me the detailed voicemail, I called one main financial spoke to XXXX I did inform her that the call was being recorded as per my previous experience with XXXX and I would not tolerate that type of behavior and her response was verbatim '' No I didn't leave a detailed voicemail, I let her know that the voicemail was emailed to me she then said " well the voicemail still has your name on it. I have no control over when they change voicemails setups. " I asked for her regional name and contact information she gave me her name XXXX but said she isn't allowed to give me her last name or contact information she would have her give me a call, as of now seven business days later I have yet to hear from XXXX. She has violated my consumer privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: MI

Complaint narrative:
I am being subjected to fragmented and harassing debt collection tactics by TrueAccord and XXXX on behalf of XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ). Since XX/XX/year>, I have received 13 separate collection notices for different 'account numbers ' and fragmented amounts ranging from {$34.00} to {$1200.00}, totaling over {$4200.00}. This practice makes it impossible to verify the debt or understand the total liability. Furthermore, the collectors have applied small 'credits ' to these accounts ( e.g., {$2.00} and {$39.00} ) which I never authorized or paid, which I believe is a tactic to restart the statute of limitations or imply an admission of debt. I have repeatedly requested a consolidated validation notice and a cease-and-desist on phone calls, but the fragmented emails continue daily. I am requesting that the CFPB compel these agencies to provide one single, consolidated accounting of all alleged debts and to stop the harassing frequency of these individual notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Netspend Corporation
State: GA

Complaint narrative:
I received a letter from a company called Netspend saying that I have an account with them and they send me a debit card, I didnt authorize anyone to open an account, I will like this to be investigated. I dont know if anyone is opening accounts under my name. I try to contact the company but you can not speak to any representative, to verify how they open an 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 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I have been with Wells Fargo over the past 35 years with various different Checking and Savings accounts. I have recently opened a checking and savings account in Nevada with them to pick where I left off with this relationship that had ended last year after they disclosed that tens of debit cards were opened in my name which I did not know about while living in New Mexico and Colorado. During this period I noticed personal bankers trying to always get me to give them my user and pin info. XXXX day, they decided to close the accounts and told me about all the cards that were issued only after I came to them about some unusual activities in the accounts listed under my name. I know my one family in Michigan had said they would be allowing me to receive XXXX dollars a week to my account from XXXX of the family accounts but as soon as this was commenced strange behavior pursued such as long and tedious struggles to identify my self after repeated loss of access to the app or online platforms. Repeated calls to go to.the branch to gain access or reset password. I asked for full statements on closer but did not get all history or truth about account access protocol for someone like my self. I would like to truth in deposit history and names or liens on my account. Of course fiduciary limitations must be disclosed 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 2026-04-10 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: Paypal Holdings, Inc
State: GA

Complaint narrative:
b'Complaint against XXXX Unauthorized Transactions (Fraud/Hacking)\XXXX CASE REPORT; XXXX\nCaseXXXX\n\n\nI am submitting this complaint regarding unauthorized transactions on my XXXX account:XXXXOn XXXX XXXX], I discovered multiple transactions that I did not authorize. I had a balance XXXX which was intended to cover my rent for XXXX and essencial utility bills ( Electricity, gas and water etc)\n\nOn the same day when I checked my account again my balance had dropped to XXXX resulting in a loss of XXXX these transactions were truly unauthorized hacked due to multiple transaction (11). In the same day at the same time.\XXXX \nTotal hacked $XXXXI immediately contacted XXXX customer service and reported that my account had been hacked.I spoke with XXXX the fraud department and he told me those transactions were in pending status I should not worry because because they were going to be refunded since my account was hacked.\nHowever, as of today, the issue has not been resolved. I have contacted XXXX multiple times, but I have only been transferred between departments and told that the case is under review. I have not received any clear solution, timeline, or refund.\nThese unauthorized transactions have caused me financial stress, and I am concerned about the security of my account and funds.\nWhat I am requesting:\nImmediate investigation of the unauthorized transactions\nFull refund of all fraudulent charges\nWritten confirmation of the resolution\XXXX that my account is secure\nI have attached (or will provide) any supporting documentation, including transaction details and communication with XXXX.\nI respectfully request that XXXX resolve this issue as soon as possible.\n\n\n\nSincerely,\XXXX XXXXn\nEmail: XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year> I accidently left my phone at XXXX. Once I realized my phone was missing I went back to XXXX and employees stated that no one returned my phone XXXX were able to take down my information and house phone number. Around XXXX I received a message from chime through my computer saying that someone requested money from me. I instantly declined because I did not approve nor authorize. I called chime and they opened up a case. I am completely disappointed in this. Around XXXX I received a call from XXXX stating my phone has been returned. Unauthorized transactions has been made and I was able to cut off all my debit and credit cards

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy Here is the item I am asking you to verify as accurate 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 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
Jefferson Capital Systems is reporting a collection account on my credit reports with a balance of {$510.00}, originally from XXXX XXXX XXXX XXXX This account was opened by XXXX XXXX on XX/XX/year> and is reporting as a collection on my XXXX, XXXX, and XXXX credit reports. I have submitted a formal debt validation request to Jefferson Capital Systems via USPS Certified Mail requesting verification of this alleged debt including the original agreement, complete account history, chain of assignment, and proof of their authority to collect. To date, XXXX XXXX has not provided validation of this debt. Under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, a debt collector must cease all collection activity including credit reporting until proper validation is provided. I am requesting that the CFPB require Jefferson Capital Systems to provide full debt validation and immediately cease reporting this account to all three credit bureaus until validation is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
An unauthorized transaction of {$370.00} was taken from my PayPal balance and used to purchase XXXX ( XXXX ), which was then sent to an external wallet ( XXXX ). I did not authorize this crypto purchase or transfer. This type of transaction requires active approval steps that I did not perform. PayPal incorrectly denied my claim as a subscription issue, which is inaccurate. This is unauthorized account access involving a XXXX transaction. I am requesting a full investigation and refund of the {$370.00}.

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