vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CA

Complaint narrative:
Company : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status Updated : XX/XX/XXXX Collection Reporting : Reporting in collection from XX/XX/XXXX through XX/XX/XXXX Current Balance : {$5300.00} On Record Until : XX/XX/XXXX Last Recorded Payment : XX/XX/XXXX I am disputing the accuracy of the balance being reported and collected on this account. 

While I did sign for the original vehicle loan, I have not been provided with a detailed accounting showing how the alleged balance of {$5300.00} was calculated. The vehicle was not repossessed, and I did not receive any deficiency balance explanation or itemized statement showing principal, interest, fees, or credits applied. 

Under the Fair Credit Reporting Act and applicable debt collection laws, a company must report accurate information and be able to substantiate the amount being claimed. 

I am requesting : A complete payment history A detailed itemization of the balance Documentation showing how {$5300.00} was calculated The date of first delinquency Proof of ownership or assignment if applicable If this information can not be properly verified and documented, the account should be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: January Technologies, Inc
State: AL

Complaint narrative:
I recently fell behind on payments due to a combination of misleading information I received. 
At the time I made financial decisions based on the information provided to me, I believed I had a clear understanding of the terms. Unfortunately, this information turned out to be inaccurate, which affected my ability to manage the account properly. Shortly afterward, I lost my job, which caused a sudden drop in income and made it impossible to stay current on payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
XXXX XXXX XXXX sent a payroll garnishment to my XXXX employer and stated it was a Student Loan debt when it is not a Student loan debt, it is a AAFES Starcard debt, and the only reason I know this is because I got an email once on XX/XX/year> that went to my junk email and I keep getting calls that say they are from XXXX but are different numbers every time and no messages are ever left. They are also trying to charge me over {$1000.00} in fees which is almost a third of the original debt amount of about {$3400.00} they are trying to charge me over {$4400.00}. They are garnishing my wages at {$120.00} every XXXX weeks.

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 2026-02-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
I explain to XXXX XXXX XXXX XXXX  that I was a victim of identity theft but they refused to help me and told me to just pay a XXXX XXXX and XXXX XXXX XXXX that I never had

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
I have filed an FTC report regarding potential fraud on this account. I demand Source Receivables Management immediately mark it as disputed, cease all collection and reporting, and verify its legitimacy. Continued reporting without full verification will be treated as willful noncompliance under FCRA/FACTA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: FL

Complaint narrative:
TRUEACCORD is falsely reporting on my credit. I have never had any accounts with them. Per my research TRUEACCORD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against a company regarding its refusal to provide documentation and its continued reporting of a repossession account that is more than seven ( 7 ) years old.

This account was paid/charged off following a repossession, and the legally permitted reporting period has now exceeded seven years. Despite this, the company continues to report the account on my credit file.

I have requested the following information from the company : A copy of the original signed contract Documentation showing the original date of first delinquency Written confirmation of the date the account is scheduled to be removed from my credit report The company has refused to provide the contract and has not disclosed the original delinquency date. They have also failed to provide any written explanation regarding when this account should be removed from my credit file.

Additionally, when I dispute the reporting, they either respond with automated messages or instruct me to contact a compliance manager, but no one answers the phone or returns calls. This has made it impossible to resolve the issue directly.

It is my understanding that under the Fair Credit Reporting Act ( FCRA ), negative accounts such as repossessions may not be reported beyond seven years from the date of first delinquency. The companys refusal to provide documentation and its continued reporting of this account raises serious concerns about unlawful re-aging and inaccurate reporting.

This continued reporting is causing harm to my credit standing and financial opportunities.

I respectfully request : 1. A formal investigation into this companys reporting practices.

2. Assistance in obtaining the original contract and the verified date of first delinquency.

3. Enforcement of the removal of this obsolete account from my credit reports if it is found to be beyond the legal reporting period.

Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
15 U.S. Code 1681b - Permissible Purpose of Consumer Reports Under Section 604 of the Fair Credit Reporting Act, consumer reports may only be used for the purposes outlined in 15 U.S. Code 1681b : ( F ) Otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that the consumer initiates.

15 U.S. Code 1681i - Treatment of Inaccurate or Unverifiable Information Under Paragraph ( 5 ) ( A ) : If, after reinvestigation, an item of information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall promptly delete it.

The following inquiries are unauthorized : CREDITORS/INQUIRIES | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To be clear, I did not initiate these inquiries, nor did I authorize them. Reporting these inquiries without my permission is a violation of the Fair Credit Reporting Act.

To resolve this matter, I request the immediate removal of these unauthorized inquiries. Failure to do so constitutes a violation of FCRA Section 623 ( a ) regarding the reporting of inaccurate information. To avoid legal action, I request that these inquiries be deleted from my credit report immediately.

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 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Block, Inc.
State: AL

Complaint narrative:
My cash app card is always locked and all transactions are suppose to be declined when the card is locked and whenever a transaction was attempted it would let me know in my text messages and email the transaction was declined. XXXX the XXXX a {$15.00} transaction was made while my card was locked and I hold cash app responsible for allowing the transaction to be made while my card is locked plus I didn't owe XXXX play that money but cash app don't wan na accept the fact it's they wrong and it's they responsibility to fix it. All they kept saying was they was gon na investigate it. I filed a dispute and they denied saying I had to authorize the transaction or somebody has access to my account and nobody has access to my account nor did I authorize anything and either way it goes a transaction is not to be made while the card is locked and one of people in the support said I was right about my card being locked and that the transaction shouldn't have been made. Cash app seems to not wan na see they wrong doing and how they went against their terms and conditions. I know {$15.00} ain't alot but it's the principal and how they didn't feel like they needed to refund my money bcuz I want my {$15.00} put back on my card when it's not nobody elses money nobody cares and now I see why cash app has lawsuits against them for the crookedness. They have all the questions after they mistakes and if they had all the questions before the mistake or transactions was made I wouldn't be having this issue. Cash app make it so easy for money to taken but takes you thru a process to get it back. I don't find it fair for somebody that really needs the money that's taken away from them having to wait a decade to get it back. I didn't authorize the transaction nor did I owe money for that transaction and with my card being locked cash app had to authorized it while my card locked couldn't nobody else do it and I want cash app to see their fault

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/year>, I initiated a {$30.00} transfer through Cash App. Due to a selection error, the payment was sent to the wrong XXXX XXXXXXXX and was not intended for that recipient. 

Immediately upon discovering the mistake, I contacted Cash App Support and submitted a refund request within the app. The unintended recipient has refused to return the funds.

I formally submitted a written Notice of Error and requested that the matter be investigated under Regulation E ( 12 C.F.R. 1005.11 ). However, Cash App closed my complaint within minutes without providing evidence of a reasonable investigation, without confirming whether the recipient account was reviewed, and without providing documentation of the basis for denial.

Cash App stated they are unable to reverse a completed payment but did not provide regulatory justification for refusing to investigate or attempt recovery.

I am requesting : A formal documented investigation of the unintended recipient account Confirmation of whether any recovery attempt was made Reimbursement of the {$30.00} in question I believe the matter was closed prematurely without proper review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: NC

Complaint narrative:
On XX/XX/year> I initiated a funds transfer from a company I own in the XXXX to my personal account in XXXX. {$50000.00} USD was withdrawn from my account and they acknowledged receiving it and they were to deliver XXXX EUR. This is the events from their website : Transfer number # XXXX XXXX XXXX at XXXX You set up your transfer XXXX XXXX at XXXX We received your USD XXXX XXXX at XXXX We paid out your EUR XXXX XXXX at XXXX XXXX  bank processed your payment XXXX XXXX at XXXX Transfer successfully sent to your bank Keep in mind It can take up to 2 working days for your bank to credit the account. 

As soon as XX/XX/XXXX I began begging wise to enquire about the funds and run a trace but they refused. The asked me to go to the recipient bank and ran me in circles proving proof funds had not been received. After a month now they are saying trace failed. There is no way the money just disappeared and they negligent at best if not criminal. Seeking profits over the protection of the assets. I ask a formal inquiry be made into this and they be forced to return the full sum plus penalty and interest. This will maybe dissuade them from their pattern of unethical behavior. I was told the last point that the funds were was XXXX  XXXX XXXX XXXX which may be party to this fraud. The recipient bank identified XXXX  XXXX XXXX as the intermediary holding funds initially beyond legal time frames. On XX/XX/year> they sent the following which I found totally unacceptable : " Hello XXXX, Unfortunately, the trace for your transfer XXXX failed. Our partner reached out to the beneficiary several times, but didn't receive a reply. 

We advise you to deal directly with the recipient and their bank. You can contact the recipient to see if the money has arrived. 

Once you've done so and the recipient or the recipient bank hasn't been able to assist you, you can also request for a recall for your transfer. 

When requesting for a recall, keep in mind : We cant guarantee recalls. This is because the recipient bank must first accept them, but this doesnt mean theyll be able to recover the funds Recalls can take weeks or sometimes even months If you choose to recall, well update you as soon as we hear from our banking partner. If you dont receive a response from Wise after 30 calendar days, this means that the recall was unsuccessful, and the case will be closed.

Let us know if you have any other questions. We're happy to help. '' Based on this I have realized I must now look for compliance aid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — Store credit 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: TX

Complaint narrative:
I have sent my concerns in about this complaint several times. 
I also sent letters to the account specialist from Synchrony who denied my complaint, asking them for records and signatures on that date. I have yet to receive any documentation that shows my signature, a receipt, or video footage that places me at XXXX using my Synchrony Car Care Account. 
My XXXX Synchrony Car Care account was accessed without my permission on XX/XX/XXXX. A fraudulent charge of $ XXXX dollars was made. The last date of use prior to this was the year XXXX. 
I contacted XXXX Synchrony to close the account. They stated they would investigate. I asked for all documents pertaining to that date, none were provided. 
The XXXX General Manager provided a letter stating I was NOT in store on that date, please put this fraudulent error on the company ( XXXX ), not the customer ( me ). 
This was not corrected. 
I uploaded documents showing I was at work and my badge for entrance was activated. 
I sent documents showing I was married in XX/XX/XXXX and received a name change on my license and social security card, my last name was no longer Pleasant. 
I showed receipts of auto parts purchased, prior to XX/XX/XXXX, and information from the dealership I used at that time to further support my claim of fraudulent activity. Still this was not corrected. 
I am at my breaking point. What else needs to be provided to show this was a fraudulent charge? It's been 3 years! Why am I still fighting this?

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 non-monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
SEQUIUM is falsely reporting on my credit. I have never had any accounts with them. Per my research SEQUIUM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am submitting this complaint regarding the treatment of my business banking relationship with U.S. Bank following my good faith report of unauthorized activity on my account. 

On XX/XX/year>, I contacted U.S. Bank after being advised by XXXX XXXX to report certain unauthorized charges directly through my financial institution. XXXX informed me they were limited in their ability to fully investigate and advised that my bank would be better positioned to handle the matter. 

Acting on that guidance, I contacted U.S. Bank and reported the activity. During the call, I was advised that the matter should be resolved quickly. I also received a dispute confirmation call verifying that my report had been submitted. 

However, on XX/XX/year>, when I logged into my account, I noticed that the functionality of my account had been severely restricted. I was not notified in advance of this action. After contacting U.S. Bank, I was transferred to the fraud department and informed that my account had been placed on hold and was now pending closure.

I discovered this restriction on my own without prior notice from U.S. Bank.

This action occurred immediately after I exercised my right to report account activity concerns. I believe the timing of this restriction raises serious concerns regarding how my banking relationship was handled after I filed a legitimate claim. 

As a result of this restriction and pending closure, I have been denied access to the full remaining balance in my account. This has caused immediate financial hardship affecting my family and business operations. I rely on these funds for essential obligations, and the delay in access is causing measurable harm.

I also have concerns that the manner in which my account has been handled may reflect targeted or disparate treatment. I should not be subjected to adverse account action for exercising my lawful right to report concerns regarding my account activity.

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 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX, Tx XXXX Date : XX/XX/year> National credit system XXXX XXXX XXXX XXXX, GA XXXX RE : FINAL NOTICE - FAILURE TO VALIDATE DEBT | VIOLATIONS OF THE FDCPA & FCRA To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desis ' and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has faile to provide adequate legal validation of the alleged debt.

Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance : 1. A copy of the original signed contract or agreement bearing my signature ; 2. A full chain of title including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the debt ; 4. Proof of licensing to collect debt in my state ;

Company response to consumer: Closed with explanation