vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XXXX I reached out to XXXXXXXX XXXX XXXX the collection agency for XXXXXXXX XXXX XXXX to negotiate a settlement within XXXX years not XXXX years. I spoke to a manager who told me that the debt could not be discounted and that I would have to pay {$1900.00} a month to eliminate the debt within XXXX XXXX. He was sarcastic and unsympathetic to my hardship. He also called me a liar that XXXX XXXX XXXX provided me a financial stable settlement to rebuild my credit. I then called XXXXXXXX XXXX XXXX and requested for them to take back my loans for me to pay them directly to avoid credit reporting problems and obtain a financially reasonable payment plan to eliminate debt within XXXX years. I was told to give them time and call back. I called XXXX in XXXX and they had my accounts blocked but still taking my payments every month. I called XXXX directly and they said they were unaware why XXXX had me blocked and placed a complaint. I called XXXX yesterday and one account was still blocked and the other not but supervisor unblocked it and then spoke to me. Again XXXX XXXX was unreasonable and told me that I had not communicated with XXXX XXXX and that even though they were taking my money every month I don't have a settlement or agreement. He said I should consider myself lucky that he was settling account at XXXX and change. I calculated the payment to be approx XXXX a month. I told him it was. an improvement from previous offer but still financially unfeasible for me. I told him if they could settle at XXXX, XXXX that would make my payments approx XXXX a month which is more financially feasible. I asked him to XXXX way call with XXXX XXXX because they told me that XXXX had permission to offer me a reasonable financial offer. I went through a hardship and want to rebuild my credit and life back. He called me a liar and we stopped communicating. I called XXXX XXXX XXXX again spoke to a representative that said XXXX had not said no regarding taking my accounts back the previous representatives just complained about XXXX so XXXX XXXX at this point is using retalatory tactics by shutting down my accounts so no interaction can occur. XXXXXXXX XXXX XXXX have also XXXX out my accounts on my credit report and still reporting XXXX XXXX every XXXX which is wrong reporting because they are receiving money every month for each of the loans ( there are XXXX ). I have a feeling they are deceiving me to eventually sue me for money that I am in good faith trying to pay back but they are making it impossible while ruining my credit more.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was charged a surprise overdraft fee for a transaction, when my account wasnt negative at the time the transaction posted. I tried to dispute the overdraft with Wells Fargo but they said theres nothing they could do. This is how I know it was something fishy because they only took XXXX day to charge me an overdraft fee when its supposed to be an extra day grace period. The transaction posted in my account on XX/XX/XXXX, my account showed I had XXXX ending daily balance. Then XX/XX/XXXX, my car insurance hits my account and puts me in the negative around XXXXXX/XX/XXXX ending daily balance. Today isXX/XX/XXXX. This morning I put XXXXXX/XX/XXXX in the account to bring my account out of the negative and stop a would be overdraft fee for tomorrow. But once I check my account I see Im still negative around XXXXXX/XX/XXXX because they charged me an overdraft fee for XXXX transaction.???? When I called the bank they told me I need to be more careful with spending but I explained, how could I stop myself from being overdrafted, if on my account app it shows Im not in the negative. They manipulate my transactions so that the account is negative and they can apply overdraft fees. This isnt the first time its happened, and its happened so much that Ive found my way on here making a complaint. Wells Fargo has already been sued for this surprise overdraft issue. Im to the point where I want to close my account but I want justice for all these years of mistreatment. Ive been a customer for well over XX/XX/XXXX years.

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 2026-03-25 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Complaint Description : On XX/XX/year>2026, I reached a settlement agreement with Synchrony Bank regarding an Amazon credit card account. As agreed, I made a payment of {$1300.00}, which cleared my bank account on or about that date. At the time of payment, I was informed that the account would be updated within approximately XX/XX/XXXXdays. However, as of late XX/XX/scrub> 2026, Synchrony Bank continues to report an outstanding balance of approximately {$3000.00} on this account. I disputed this inaccurate reporting with a credit reporting agency, and Synchrony Bank verified the balance as accurate, despite the payment and settlement having been completed. This is incorrect. The continued reporting of a {$3000.00} balance is materially damaging because it shows the account as significantly over its credit limit, negatively impacting my credit profile. I have proof that the agreed payment was made and cleared. Synchrony Bank has failed to properly update the account and is continuing to furnish inaccurate information to the credit reporting agencies. I am requesting that Synchrony Bank : Correct the account to reflect the proper settled or paid status Update all credit reporting agencies immediately Provide written confirmation of the corrected account status.

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 2026-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I have on numerous occasions requested the information needed to refinance my car. Chrysler Capital always says yes we send that right out to you and I never receive anything. This happen 5-6 times in the last year to year and a half. Also they are extremely rude and very hard to get on the phone, going through their phone answering machine is next to impossible

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: ZWICKER & ASSOCIATES
State: PA

Complaint narrative:
I have requested a settlement agreement from Zwicker and Associates and a statment of account, how they are applying my monthly payments to the two separate loans but I have not received either. In fact, XXXX XXXX a XXXX at Zwicker has barred my accounts claiming they were blocked by XXXX XXXX XXXX the owner of the debt but they tell me that they haven't done such a thing and that the collection agency is directed to settle the debt with a financially feasible payment plan. At this point I don't know who to. believe because I am in the middle between XXXX personal loans and Zwicker. My credit reporting is not correct because the amount and the payments are not being applied each month. When I get the paper statement from Zwicker they only reference one account even though the payment is for two and it doesn't say or show how the account is being paid. I have not gotten a proper statement from XXXX nor Zwicker regarding how the money they take me is being applied. Yesterday, XXXX XXXX kept telling me that I don't have a settlement agreement, I am just paying the debt down. I called XXXX and asked me why am I paying the debt down if I don't have a settlement in place. I asked them what is the alternative- are you wanting to sue me for a debt I am in good faith trying to settle? I think I am being deceived by both sides and neither are taking responsibility for what is occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: IL

Complaint narrative:
Security credit services is not my debt. I have never owned this account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
CFPB COMPLAINT : WILLFUL MISREPRESENTATION DURING FEDERAL INVESTIGATION Complaint Subject : Deceptive Acts and Willful Misrepresentation during Federal Investigation Company : Bridgecrest Acceptance Corp. Representative Involved : XXXX XXXX XXXX XXXX XXXX. ) Description of Deceptive Acts : This is a follow-up to a previous complaint regarding Bridgecrests failure to provide a vehicle title. I am reporting a documented instance of Bridgecrest providing false and misleading information to the CFPB during an active investigation. On XX/XX/XXXX, Bridgecrest XXXX XXXX XXXX XXXX initiated a XXXX telephone conversation with me. During this call, she explicitly stated that Bridgecrest was in possession of the title for my XXXX XXXX XXXX. Despite this verbal admission of possession in XXXX, Bridgecrest subsequently submitted a formal written response to the CFPB claiming that the XX/XX/XXXX DMV had rejected the duplicate title on XX/XX/XXXX, and that the process was still stalled due to an administrative " standoff '' betweenXX/XX/XXXX andXX/XX/XXXX In early XX/XX/XXXX, I finally received the physical title and a history report. This physical evidence proves the title was actually issued on XX/XX/XXXX, XXXXthe exact day Bridgecrest told the CFPB it was rejected. Further, the history report proves the title record was established on XX/XX/XXXX, revealing that the " inter-state standoff '' narrative provided to the CFPB was a total fabrication. The core of this complaint is that the Compliance Officer confirmed she had the title in XXXX, yet Bridgecrest provided a false story of rejection and state-level delays to federal regulators in their formal XXXX responses. This misrepresentation was used to cover up XX/XX/XXXXXXXXmonth administrative failure and the fact that they forced me to operate an illegal vehicle for XX/XX/XXXX days while I was recovering from XXXX for XXXX XXXX. Requested Resolution : XXXX. Full Debt Rescission : Full discharge of all debt associated with the XXXX XXXX XXXX ( VIN : XXXX ) and the XXXX XXXX XXXX ( VIN : XXXX ). XXXX. Treble Damages : Payment of {$180000.00} ( XXXX times the {$61000.00} in actual damages for the XX/XX/XXXX days of illegal operation forced by Bridgecrest 's fabrications ). XXXX. Compliance Audit : A formal investigation into the Bridgecrest XX/XX/XXXX Department 's practice of providing inaccurate data to federal agencies during consumer investigations

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management is reporting inaccurate, incomplete, and contradictory information on all three of my credit reports ( XXXX XXXX, and XXXX ). This account originated with XXXX XXXX. I was actively making payments, but XXXX XXXX returned the payments I made and then closed the account. The delinquency was not caused by nonpayment on my part. After closing the account, XXXX XXXX sold the account to Midland. Midland is reporting a Date Opened of XX/XX/XXXX and a Status Updated date of XX/XX/XXXX, yet they also report collection activity and past due status through XXXX. A balance update was reported in XX/XX/XXXX even though the status has not been updated since XXXX. This timeline is impossible and violates FCRA accuracy requirements and XXXX XXXX reporting standards. XXXXidland is also reporting a past due amount, which debt buyers are not legally allowed to report. The Date of First Delinquency ( DOFD ) is missing. XXXX system displays Invalid date errors for this account, showing that the data Midland furnished is inconsistent or corrupted. I disputed this account with the credit bureaus, but Midland simply verified it without providing documentation or correcting the inaccurate information. This does not meet the requirement of a reasonable investigation under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
This man from this company National Credit Systems continues to call my phone every day.I have requested him to stop calling me because that debt is not mine and he consistently still does it. He has called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX, all XXXX and is using bad language, not professional at all

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
Received a past due debt for an unknown debt. No information was sent to me prior or within the 30 day window for me to respond. Attempts to get any information from the collection agency have gone unanswered.

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 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding Cash Apps failure to resolve an identity theft and financial fraud incident involving my accounts. Both of my accounts : XXXX XXXX XXXX XXXX XXXX My Cash App accounts under the usernames XXXX XXXX XXXX XXXX XXXX were taken over by an unauthorized individual. Beginning in XX/XX/XXXX, my XXXX income was deposited into these accounts without my authorization or control. I no longer have access to either account, and the unauthorized party has access to my financial information, including my linked debit card. I reported this issue to Cash App in XX/XX/XXXX and again in XX/XX/XXXX. Despite multiple attempts to resolve the issue, Cash App has failed to restore access, secure my accounts, or provide any meaningful assistance. This situation has resulted in financial loss and ongoing risk to my personal and financial information. I am requesting that Cash App be required to : Conduct a full investigation into unauthorized access and transactions Recover or permanently secure and shut down the compromised accounts Remove any unauthorized users and financial information Provide documentation of fraudulent activity Address the financial loss associated with my XXXX income deposits This matter remains unresolved despite prior reports, and I am seeking assistance in obtaining a proper resolution. I am requesting that Cash App be required to : Conduct a full investigation into unauthorized access and transactions Recover or permanently secure and shut down the compromised accounts Remove any unauthorized users and financial information Provide documentation of fraudulent activity Address the financial loss associated with my XXXX income deposits This matter remains unresolved despite prior reports, and I am seeking assistance in obtaining a proper resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: PA

Complaint narrative:
I had an authorization taken for deposit at a hotel on XXXX XXXX I checked out XX/XX/year> but cashapp said merchant hrld money. Merchat gave authorization and showed it was cleared out. Cashapp kept saying thry hrld it znc instead releasing tge money gave me an excuse I had to wait XXXX days I'm now no banks hold it like tgat it's now a month later after repeated contacts thry still won't release my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THE LATE PAYMENT INFORMATION BEING REPORTED IS INCORRECT AND DOES NOT REFLECT MY TRUE PAYMENT HISTORY. THESE ENTRIES ARE MISLEADING AND UNACCEPTABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: NC

Complaint narrative:
I am filing a complaint regarding inaccurate payment reporting and account records on my student loans with Edfinancial Services. I made multiple payments toward my student loans, including paying off XXXX loans in full. I have documentation including bank statements, email confirmations, messages from Edfinancial confirming receipt of payments, and a paid-in-full letter for XXXX of the loans. However, when I recently logged into my account, it incorrectly shows that no payments have been made. My payment history appears to be missing, and my loan balances are not reflecting the payments I have already made. Additionally, this account has been removed from my credit report, which raises further concerns about inaccurate reporting. I have already submitted all supporting documentation to Edfinancial, but the issue has not been resolved. I am requesting that Edfinancial : Conduct a full review of my account and payment history Correctly apply and reflect all payments made Reinstate accurate loan balances and paid-in-full statuses Ensure accurate reporting to all credit bureaus This situation is causing financial concern and needs to be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 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: AZ

Complaint narrative:
My account access has been restricted and I do not know why.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am filing a complaint regarding unauthorized fraudulent transactions on my business bank account. There are multiple charges from XXXX that I did NOT authorize. I have never linked this account to XXXX, and I have never used it for any XXXX purchases or subscriptions. These transactions are clearly fraudulent. When I contacted Chase Bank, they refused to reimburse several of the charges, stating time limitations. However, this is not a delayed dispute these are unauthorized transactions made without my consent. I am requesting a full investigation and reimbursement of all fraudulent transactions, including those from XXXX and XXXX. The bank has not properly resolved this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Robert W. Warner & Associates, P.C.
State: MI

Complaint narrative:
I'm not sure who i owe the debt to and they granish my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I made an ATM withdrawal from my Navy Federal Credit Union account at a XXXX XXXX Bank ATM, but the transaction posted incorrectly, resulting in a {$450.00} charge. I immediately contacted Navy Federal, and XXXX different representatives confirmed in writing ( screenshots attached ) that I did not owe this amount and that all my transactions were posted correctly. Despite providing this evidence, Navy Federal has not corrected the charge or clarified my account. I am requesting that the CFPB investigate this matter, determine whether the {$450.00} charge was applied in error, and require Navy Federal to remove the incorrect charge, update my account to reflect the correct balance, and provide written confirmation of the correction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
Im in the XXXX I submitted my XXXX documents and affirms customer service keeps giving me the run around. The case number XXXX. Every time I called Im either talking to agents who have no clue. Or Im told 3-5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am disputing a collection account being reported on my credit file. The account, with an approximate balance of {$86.00} XXXX, began reporting around 2026. This account is not reporting consistently across the credit bureaus. It appears on XXXX credit bureau while not appearing on others, which raises concerns about the accuracy and completeness of the reporting. I previously requested validation of this debt, including documentation of the original creditor, full payment history, and proof that the debt is accurate and belongs to me. The company has not provided sufficient documentation to verify the validity of this account. Due to the inconsistent reporting and lack of proper validation, I believe this account may be inaccurately reported. I am requesting that the company either provide complete verification of the debt or remove the account from my credit report. I have made good faith efforts to resolve this matter but have not received adequate information to confirm the legitimacy of this debt. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief