vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
A capital one XXXX  card was opened using my social security and personal information. This account was opened on XX/XX/year> The credit limit given was {$1000.00} The amount charged was {$430.00} Shows a past due amount of {$64.00} This is showing on my credit report. The first credit card i applied for was in XXXX of 2025 through my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Oquirrh Mountain Law Group, P.C.
State: GA

Complaint narrative:
b'I retained XXXX XXXX and XXXX  during the period I was hacked from XXXX. I also had insurance coverage for identity theft and cyber-related damages during that time. However, I did not receive any insurance payout or funds related to these incidents.\nInstead, legal action was taken on my behalf against a sweepstakes entity. Although the resulting funds were publicly posted in XXXX  on XXXX  and within CFPB records, reflecting amounts totaling in the XXXX, I never received any of those funds.\nThe email accounts associated with these matters wereXXXXnThe phone numbers associated with my accounts were:XXXXName: XXXX XXXXDate of Birth: XXXXSSN (last four): XXXXAddress: XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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: Block, Inc.
State: KY

Complaint narrative:
I ordered items from XXXX XXXX The package was returned to XXXX  XXXX  by USPS. I never received the items. I contacted XXXX XXXX. I requested the items be resent or refunded. Neither happened. XXXX XXXX  stopped responding. I disputed the charges with square. I was given credit for the items. I sent in all information requested showing that I didnt receive the package I paid for and the company wouldnt respond. Months later Square reversed the credit claiming they didnt receive the information. They claim only the agent who worked the case can give me information as to why the credit was reversed. I requested information on how to contact the agent and have received nothing. XXXX XXXX has my money and the product I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year>, PayPal permanently restricted and closed my account without providing a clear explanation. At that time, I was not informed of any disputes or specific violations. I called PayPal and spoke with a representative, explaining how I use my account and I filed an appeal. She told me I'd get an email in a couple of days giving me a chance to upload any supporting documents. I never received an email. 
Around XX/XX/year>, I spoke with a PayPal representative again who then told me for the first time that the restriction was due to too many disputes. This was the first time I was ever made aware that disputes were allegedly associated with my account. 
I am not a seller or merchant and I have never initiated disputes or chargebacks myself. I use PayPal as a consumer-only account. 
PayPal is currently holding a legitimate paycheck in my account for XXXX days in case of chargebacks, despite not providing any evidence of wrongdoing or details of the alleged disputes. 
I contacted PayPals Executive Office on XX/XX/year>, requesting a full explanation of what disputes exist, who initiated them, and why my funds are being held. I have received no response. 
I am requesting that PayPal provide a full explanation of the alleged disputes and reconsider the permanent limitation and prolonged hold on my funds, as I was not given proper notice or an opportunity to respond before my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Global Lending Services LLC
State: MI

Complaint narrative:
I am filing this complaint to formally dispute the repossession and credit reporting associated with my XXXX XXXX XXXX XXXX, XXXX XXXX, financed through Global Lending Services ( account ending XXXX ). 

I was the primary borrower on this account and remained current on payments through XX/XX/XXXX, paying approximately {$1000.00} per month since purchasing the vehicle on XX/XX/XXXX. I did not voluntarily surrender, abandon, or authorize the repossession of this vehicle. 

In XX/XX/XXXX, the vehicle was taken from my possession by the co-signers mother, an individual with no ownership interest, no contractual authority, and no legal right to the vehicle. This constituted unauthorized possession and interference with my property. I was coerced and prevented from safely reclaiming the vehicle. Global Lending Services was never notified by me of any voluntary surrender. 

The vehicle remained in unauthorized XXXX-party control for several months and was ultimately repossessed in XX/XX/XXXX, without my knowledge or participation. The default and repossession were directly caused by XXXX-party interferencenot by financial neglect or willful nonpayment on my part. 

Following repossession, the vehicleoriginally financed at approximately XXXX XXXXwas sold for substantially below fair market value, resulting in an alleged deficiency balance of approximately {$17000.00}. This raises serious concerns regarding commercial reasonableness under UCC 9-610 ( b ), which requires that the disposition of collateral be reasonable in method, manner, time, and price. 

Despite these facts, Global Lending Services continues to report the repossession and deficiency balance to consumer reporting agencies. This reporting is materially inaccurate and misleading, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including but not limited to : 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate information 1681s-2 ( b ) Failure to conduct a reasonable investigation after dispute 1681e ( b ) Failure to ensure maximum possible accuracy 1681n / 1681o Liability for willful or negligent noncompliance This inaccurate reporting has caused substantial harm by preventing me from obtaining transportation, loans, and housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Company is not accurately reflecting payments in a timely manner or apply rewards to reduce balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
In XX/XX/XXXX, I used Affirm to purchase fitness equipment from XXXX XXXX for {$1300.00}. Upon delivery, the product was damaged and defective. 
I immediately contacted XXXX with photographic evidence of the damaged and defective product and requested a replacement or remedy. XXXX did not respond to my attempts to resolve this issue directly. 
I then filed a dispute with Affirm in XX/XX/XXXX, within 30 days of purchase, providing photographic evidence of the damaged and defective product I received. Only after I opened the Affirm dispute did XXXX finally respond, stating that the product was out of stock and refusing to provide any resolution - no replacement, no remedy, nothing. 
On XX/XX/XXXX, Affirm closed my dispute in favor of the merchant, claiming they " have not received sufficient documentation specifically showing the status of the order. '' However : I had already submitted photos of the damaged and defective product Affirm never contacted me requesting additional documentation before closing the dispute Affirm never specified what " status of the order '' documentation they wanted When I asked what additional documentation they needed, they have not provided a clear answer Affirm is now holding me responsible for the full {$1300.00} loan amount for damaged and defective merchandise that the merchant refused to replace or remedy. They stated that my overdue status " may impact my ability to take out future loans with Affirm. '' I am being penalized financially for merchandise I never properly received, despite providing evidence of the damage and defects. I filed my dispute promptly within 30 days of purchase. Affirm closed my dispute without following proper dispute resolution procedures- they should have requested specific additional documentation before ruling in favor of a merchant who delivered defective goods, ignored my complaints, and refuses any resolution. 
I am requesting : Reversal of the {$1300.00} charge for damaged and defective merchandise Removal of any negative account impact Proper review of my dispute with consideration of the evidence I provided

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
In early XX/XX/XXXX, I closed our bank account and " froze '' our credit card.and shortly thereafter requested the card be cancelled. Shortly thereafter, XXXX charges were posted to our " XXXX '' card. Since our bank account was closed and since we were paperless, we have no idea those disallowed charges occurred. When we logged in to the card account to confirm cancellation we saw the XXXX charges and promptly contacted the bank. We explained the situation and requested that the small late charge be waived. They instructed us to pay the outstanding charges and that they would waive the late fee. 
They acknowledged receipt of payment on XX/XX/XXXX. 
Thereafter we received no updates and assumed all was resolved. On XX/XX/XXXX, we received notice of a {$67.00} payment due, seemingly duplicating the {$67.00} charge already paid. Then we began receiving daily dunning calls regarding this balance which consists only of late fees and interest. All this even after customer service agreed to remove the late fees. 
Then on XX/XX/XXXX the bank stated that their review of our account showed it was closed on XX/XX/XXXX. - ( Actually closed XX/XX/XXXX ), and now the balance due had risen to {$100.00}. However, they said they would again, waive late fees and interest. 

I sent a certified letter ( Reg Z ) on XX/XX/XXXX which requires a response within 30 days. We received a canned response dated XX/XX/XXXX, ( more than 30 days later ), which did NOT address the issue but stated that credit reporting had been done correctly. 
Immediately, thereafter we received a dunning letter regarding the outstanding balance of {$110.00} ( all late fees & interest on a cancelled card ) which is in clear violation of regulations that require the cessation of interest and fees while an account is in dispute. 

The bank has severely damaged my credit rating and has displayed no effort to deal with this situation in good faith. And all because of about {$30.00} in fees that should have been waived.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I have had a OneMain loan for some years now. I was offered all these add ons with my loan that are not worth even paying for. The company doesnt have a way of canceling these items without having to pay more monthly for ur loan. I have always paid my bill on time or early. The services that are offered do not work. I submitted to get help with damage to my car with the auto service they have and I was denied. I also tried to get the unemployment benefits when I was laid off and was on unemployment. I sent in all the paparrwotk they needed but they kept telling me to send more information. After XXXX different times I sent all the info needed. Is was not enough info. So I gave up. So the services are not any good and would like to get my money back for this. There should be records of all of this. And I could show the info I sent in and the letter I was sent back. But its a big rip off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ava Finance, Inc
State: HI

Complaint narrative:
I am filing this complaint against XXXX  due to their failure to conduct a reasonable investigation and delete inaccurate information from my credit report as required by the FCRA. 

I am specifically disputing the account with XXXX. My initial dispute reason is that this closed account is inaccurately listed as positive with no payment history, which indicates a troubling lack of transparency on the part of the credit bureau. Under the Fair Credit Reporting Act ( FCRA ) 609, consumers have the right to dispute inaccurate information on their credit reports, and the credit bureau is obligated to conduct a reasonable investigation into such disputes. Additionally, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers of information must provide accurate and complete information to credit reporting agencies. In the case of XXXXXXXX XXXX XXXX XXXX XXXX XXXX the court affirmed that credit reporting agencies must ensure that the information they provide is accurate, highlighting the importance of compliance with federal regulations. 

The continued presence of this inaccurate, unverifiable, and/or incomplete item on my credit report is causing significant harm to my financial well-being. I have experienced credit denials, been subjected to higher interest rates, and have suffered emotional distress as a direct result of this erroneous reporting. The impact on my life has been profound, as I strive to maintain a positive credit history and secure necessary financial services. 

I formally demand a complete and thorough investigation by the Consumer Financial Protection Bureau regarding this matter. I also demand the immediate deletion of these erroneous accounts from my credit report. Furthermore, given the willful noncompliance with the FCRA, I am also seeking any and all statutory and punitive damages afforded to me under the law. 

Thank you for your attention to this serious matter. I look forward to your prompt response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 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: Paypal Holdings, Inc
State: MO

Complaint narrative:
In XX/XX/XXXX, XXXX closed my business and personal accounts. Since then, I have asked at least twice for customer support to completely delete my XXXX account because I keep getting monthly statement emails ( I have a XXXX balance, the only reason they won't let me close my own account is because business accounts have to be closed with customer support ). Today, XX/XX/XXXX, XXXX XXXXXXXX completely disregarded my latest request and is acting like I am asking for an account reinstatement. I am actually asking for the opposite. In my reply, I XXXX XXXXXXXX XXXX on this email : " Sporadically, over the years, I have asked support to delete my accounts. I am not asking for a reinstatement of my account. It seems like support is constantly disregarding or misunderstanding my requests. I have no desire to continue using XXXX. I do not want my information stored in their system. I want my personal and business account completely closed and to no longer receive emails from XXXX, period. I have no dealings with this company and haven't for basically XXXX years at this point. This has to be against the privacy policy for support to constantly deny the deletion of my account because I have to go through them since I have a business account. '' This is a violation of their own privacy policy and possibly other data privacy regulations. It has been XXXX years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: NJ

Complaint narrative:
I am filing this complaint because an account was opened in my name without my knowledge or authorization. I recently discovered a collection account being reported by NCB Management in the amount of {$6800.00} that I did not apply for, use, or benefit from. 
I did not authorize any application for credit or services associated with this account, and I did not provide my personal information to the original creditor or to NCB Management. I was unaware of this account until it appeared on my credit report. 
I believe my personal identifying information was used fraudulently to open this account online. At no time did I consent to the creation of this account, and I did not receive any goods, services, or funds related to it. 
I am requesting that this account be investigated as identity theft and that all collection activity and credit reporting related to this account be immediately ceased and permanently removed from my credit reports. 
I certify that the information provided in this report is true and correct to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I am submitting a complaint regarding an incorrect Comenity credit card balance caused by improper application of payments and merchant credits. 

My XX/XX/year> billing statement showed a confirmed statement balance of {$8400.00}. Using that statement balance as the baseline, and including all posted transactions after that date ( purchases, interest charges, payments, and merchant credits ), the reconciled outstanding balance is approximately {$8300.00}. 

However, the account is currently displaying a balance of approximately {$13000.00}, which can not be mathematically reconciled with the statement balance plus net posted activity. 

Based on a transaction-level reconciliation, the discrepancy appears to be caused by payments and/or merchant credits being applied at the total account balance level, but not properly applied to their corresponding promotional or plan-level balances. As a result, amounts that have already been satisfied remain reflected within certain plan buckets, artificially inflating the displayed balance. 

I have contacted the issuer and submitted a written dispute requesting a full reconciliation, but the incorrect balance remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: DOLLAR MUTUAL BANCORP
State: TN

Complaint narrative:
I sent a Qualified Written Request / Notice of Error to Dollar Bank regarding a misapplied principal-only mortgage payment. The letter was sent via Certified Mail and delivered on XX/XX/year>, which I can document. 
Dollar Bank has failed to acknowledge or respond within the required timeframe under RESPA. The payment was clearly designated as principal-only but was incorrectly applied to interest. Despite multiple phone calls and emails prior to the written notice, no resolution has occurred. 
I am requesting that the payment be reallocated to principal effective the original posting date, that any interest or amortization errors be corrected, and that Dollar Bank comply with its obligations under federal servicing regulations. 


UPDATE Dollar Bank previously corrected a misapplied principal-only payment after my formal Notice of Error. However, they have now repeated the exact same servicing error for XX/XX/year> payment. A subsequent principal-only payment has again been misapplied to interest instead of principal. 

This demonstrates an ongoing servicing failure and not an isolated incident. I am requesting immediate correction of this new error, written confirmation that my loan has been coded to properly apply principal-only payments going forward, and reimbursement for any interest impact caused by these repeated misapplications.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
This is an auto insurancerelated account originally associated with XXXX XXXX that is being reported by a third-party collection agency. I timely disputed this account and requested validation through the credit bureaus. Despite this dispute, the collector has continued to report the account without providing documentation establishing the accuracy of the balance, proof of ownership or assignment from the original creditor, or evidence of authorization to collect and report this debt. Reporting has continued while the account remains unvalidated, which I believe is inconsistent with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation