vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I financed a car through Credit Acceptance, but I only had the vehicle for one month before it gave out on me in the middle of a busy street.. I had asked a shop owner to keep it on his lot giving I couldnt drive it, he ended up getting it towed cause it went out on me paid XXXX to get it out the tow yard and on top of that had to pay to get it towed to the shop cause they had to look at it to try to repair it for them to never fix it nor call and tell me what the problem was although although I called but never got a answer for anything.. I waited on it to be fixed but instead got got a call from a XXXX XXXX employee stating they were getting rid of the car cause it cant sit on theyre lot knowing they were supposed to be repairing it.. I never got XXXX information on where it went, where my items inside the car went, why they didnt fix it or trade it out for something similar priced .. but yet the account is still showing on my credit report This account is inaccurate and negatively impacting my credit. I request that the CFPB investigate and have XXXX XXXX correct or remove it.

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 2026-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This is an aggressive follow-up to my complaint regarding the repossession of my vehicle. I have not received a meaningful response or any serious effort to address or resolve this matter. This lack of action is unacceptable. The repossession is formally disputed due to improper notice and failure to comply with required legal procedures. Your continued delay and inadequate response raise serious concerns about compliance and good faith handling of this matter. I am demanding an immediate and thorough response explaining the basis for the repossession and the actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
MIDLAND CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT XXXX 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 2026-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: OR

Complaint narrative:
I am writing to formally dispute the determination that my loans were excluded from the XXXX settlement solely because they are currently serviced by Mohela. My loans were previously serviced by XXXX during the time period in which XXXX engaged in the conduct that is the subject of the lawsuit and settlement. During XXXX servicing of my loans, we were repeatedly placed into inappropriate repayment programs, including forbearance steering, which resulted in the accumulation of substantial and balances over time. It was precisely because of XXXX improper servicing practices that we ultimately transferred our loans to XXXX. The transfer of servicing does not eliminate or cure the financial harm caused while XXXX controlled and serviced the loans. The basis for the settlement, including actions brought by multiple states and the Consumer Financial Protection Bureau against XXXX addressed systemic misconduct during the period XXXX serviced federal student loans. My loans were impacted during that period. The fact that the loans are now serviced by MOHELA should not disqualify us from relief for damages that occurred while XXXX was the servicer. I respectfully request : 1. A written explanation citing the specific settlement provision that excludes borrowers whose loans were transferred after XXXX servicing misconduct occurred. 2. A full servicing history review of my loans during XXXX period of control. 3. Reconsideration of my eligibility for relief under the settlement. We suffered significant financial harm due to improper program placement and excessive interest accrual during XXXX servicing. Excluding borrowers who transferred their loans because of XXXX misconduct undermines the purpose of the settlement. Please provide a formal written response to this dispute. Sincerely., XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I opened and began using my Frontier Airlines credit card ( ending in XXXX ) in XX/XX/year>. Toward the end of XXXX, my account and online access were suddenly restricted by Barclays XXXX department , likely in connection with a balance transfer attempt. Since that time : I have been completely denied access to my account online I have been unable to view my transactions or statements I have been unable to make payments through normal channels I have made numerous attempts to resolve this issue by contacting Barclays. During these calls, I received inconsistent guidance from different representatives. At Barclays request, I submitted identity verification documents multiple times, including : Drivers license ( front and back ) Social Security card ( front and back ) Bank account statement These documents were faxed on : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> Barclays representatives confirmed receipt of these documents on multiple occasions and indicated that my case was pending further review. Missed Payments Due to XXXX XXXX My first payment was due on XX/XX/year>. Because my account was restricted and I had no access to my balance or payment options, I was unable to make this payment. I later received a call from Barclays collections, explained the situation, and Barclays acknowledged the issue and waived the late fee and interest for that missed payment. However, my next payment was due on XX/XX/year>, and the situation remained unresolved : I still had no account access I still could not view my balance or statement I still was not provided a reliable way to make a payment Despite this, Barclays reported my account as past due to the credit bureaus, which resulted in a significant drop in my XXXX XXXX. Why This Reporting Is Unfair and Inaccurate Barclays : Restricted my account and denied me access Failed to provide my credit statements Acknowledged the issue previously by waiving the XXXX late fee Continued to delay resolution despite receiving all requested documents Under these circumstances, reporting me as delinquent is unfair and inaccurate, as I was prevented from making payments due to restrictions imposed by XXXX itself.

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 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Back in XXXX XXXX I was a victim of XXXX XXXX University scam. I already filed a CFPB complaint through XXXX and I got that money back. My buddy was the one helping me out with this complaint. He already got both of his AMEX and his XXXX back. We were all scammed for around {$7000.00}. Jt XXXX ( XXXX ) XXXX set on a XXXX call with me and made me falsify income to get a firm once I signed he was jumping up and down. Theres already a class action lawsuit up against this guy and lets just say hes given everybody the money back at least I think so through CFPB I understand I made a horrible mistake and I was a young buck at the time. Ive been fully cut off from resources that i was contractually obligated to. I have been unable to live life to my fullest, Im trying to join XXXX PD but dont have the money for mcoles and I been working XXXX at XXXX because the electrical company I was working for let me go do to my performance issues do to my XXXX XXXX as I mentioned before Ive already received my phones back from XXXX, which has helped me big time. I did have to sell my vehicle because Im in massive amounts of debt and I cant pay it back. I cant even get access to credit my credit was sitting at XXXX now its at XXXX XXXX threatened to sue me and Amex has me in the ring right now. Ive already paid many of my paychecks just to not let that happen and Ive been unable to pay rent. Ive been unable to pay my collections off. Theres a class action lawsuit against the guy and all of the people who have joined have gotten their money back for the most part. This is American Express gold.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: MoneyLion Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding MoneyLions refusal to release {$100.00} from my Credit Reserve account and issues related to a Credit Builder loan that I was unable to cancel. Over the past three weeks, XX/XX/year>, to today XX/XX/year>, I have contacted MoneyLion multiple times via email and phone. To be specific, I have 17 emails that I sent and two phone calls. The phone calls were both today XX/XX/year>. Each time I was given different instructions, all of which I followed. After complying with their requests, the company stopped responding to my emails and failed to return a promised phone call from today. So my second phone call today, I finally reached a representative, again, and to my surprise, because none of the other 18 times I spoke to a representative they never mentioned this, I was told I must open a separate XXXX account to access my own funds. I questioned this requirement but was told it was necessary, even though they told me to link an external account so they can transfer the funds that way. Now, MoneyLion is requiring me to submit a selfie holding my government-issued ID and wait several additional days ( approximately 4+ days total ) just to access my own {$100.00}. Additionally, MoneyLion has reported missed payments on my credit report related to a Credit Builder loan that I attempted to cancel but was unable to. This is damaging my credit and is especially concerning given the difficulty I experienced trying to cancel the service and resolve the issue. At this point, the company appears to be placing excessive and unnecessary barriers in order to withhold my funds and is also reporting negative credit information tied to a product I could not effectively cancel. I am requesting : Immediate release of my {$100.00} without requiring additional accounts or excessive identity verification Removal of all negative credit reporting related to this situation. I have documentation of all communications and attempts to resolve this issue. And on a side note : the representative of MoneyLion laughed at me when I told her that I had had enough and this was my last attempt in trying to resolve this amicably. Then I said if I get ignored again, I would report them to the consumer finance department. She just laughed and told me she was so sorry. I know its not much money, but I really need it right now. It will help me buy some food for my family. To whoever is reading this, Please help me!

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 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year>, an unknown person gained unauthorized access to my Chime account and changed my email, password, and PIN without my permission. After taking control of my account, the individual transferred funds from my savings to my checking account and then sent multiple transfers to themselves in amounts of approximately {$100.00} {$200.00} each. These transactions occurred repeatedly within a short period of time until a total of {$3100.00}, which was my income tax refund, was removed from my account. I did not authorize any of these transactions and do not know the person who received the funds. I reported the activity to Chime immediately and filed a dispute. Despite clear signs of account takeover and fraudulent transaction patterns, my claim was denied. On XX/XX/year> at approximately XXXX XXXX there was another attempt to send money from my account in the same manner, but there were no funds available. This confirms that my account had been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: GOLDMAN SACHS BANK USA
State: WV

Complaint narrative:
On XX/XX/year>, I used my Apple Card ( issued by Goldman Sachs Bank USA ) to pay {$74.00} to XXXX for a hotel reservation at XXXX 's 2 Bedroom Family Home, XXXX XXXX, XXXX ( Booking ID XXXX ) for the night of XX/XX/year>. When I arrived at the property for check-in, I was informed that the property had no record of my reservation in their system. I was denied check-in. No accommodation was provided. I was forced to find and pay for alternative lodging that same night. I subsequently obtained a written confirmation from the Co-Owner of the property explicitly stating : ( 1 ) they did not receive booking details on XX/XX/year> ; ( 2 ) no check-in occurred ; ( 3 ) no accommodation was provided. This is direct written evidence from the merchant 's own representative that services were not rendered. I disputed the charge through Apple Card support twice : Case XXXX and Case XXXX. Both times, Goldman Sachs denied my dispute, concluding that " services were provided or not canceled in accordance with the merchant 's terms and conditions. '' This conclusion is directly contradicted by the co-owner 's written statement. Goldman Sachs failed to conduct a reasonable investigation as required under the Fair Credit Billing Act. I note that the CFPB has previously taken enforcement action against Apple and Goldman Sachs specifically for mishandling Apple Card disputes. I request that Goldman Sachs : ( 1 ) reverse the charge of {$74.00} in full ; ( 2 ) remove any related interest or fees ; ( 3 ) correct any adverse credit reporting if applicable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Capital One XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute & Demand for Removal Unauthorized Inquiries and Collection Account ( Violation of 15 U.S.C. 1681b ) To Whom It May Concern, This letter serves as a formal notice of dispute regarding unauthorized hard inquiries and a collection account currently reported on my consumer credit file. I have identified the following items that I did not authorize : * Hard Inquiry : XXXX XXXX XX/XX/year> * Hard Inquiry : XXXX XXXX XXXX XXXXXX/XX/year> collection : capital One XX/XX/year>, amount : {$290.00} Under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), any entity accessing my consumer report must have a permissible purpose. I have no existing account, application, or business relationship with the above-listed entities that would justify such access or reporting. You are hereby notified that : * These inquiries were made without my consent and lack permissible purpose * The collection account has not been validated and is not recognized as a legitimate obligation Failure to demonstrate a permissible purpose constitutes a violation of federal law. Pursuant to my rights under the FCRA, I demand the following : 1. Immediate deletion of all unauthorized hard inquiries listed above 2. Immediate removal of the collection account unless full validation can be provided 3. Documentation bearing my signature that proves I authorized these inquiries and/or the alleged debt 4. The method of verification used in your investigation 5. The name, address, and telephone number of the entity that furnished this information Be advised : a generic or automated response will not satisfy this request. If you are unable to provide competent evidence of a permissible purpose or valid debt, you are required by law to delete these items. If these violations are not corrected within the statutory investigation period, I am prepared to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing all available legal remedies for willful non-compliance. This is not a requestthis is a demand for compliance with federal law. Please provide written confirmation of deletion. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding an account that was opened and/or used without my authorization during a dealership transaction when I purchased my vehicle. After discovering this account, I contacted the original creditor by phone and reported that the account was the result of identity theft or unauthorized use. During that call, I was informed that the account would be closed. The account was subsequently closed ; however, a remaining balance was still left on the account for charges that I did not authorize or incur. Despite reporting this issue and being told the account would be handled, this balance was later sold or transferred to a debt collector, Portfolio Recovery Associates, and is now being reported as a collection account on my credit report. I have never authorized or used this account, and I did not incur the charges that make up the remaining balance. I believe this is an unresolved billing error and the result of unauthorized account activity that was never properly corrected. I am requesting a full investigation into this matter, including verification of the original authorization and itemized charges. If the company can not provide clear proof that I personally authorized and incurred these charges, I am requesting that this account be removed from my credit report and that all collection activity cease. I am also requesting documentation showing how this balance was calculated after the account was reported and closed due to unauthorized activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint regarding overdraft fees that were caused by a merchant error and how my bank handled the situation unfairly. On XX/XX/year>, I was incorrectly charged {$94.00} by XXXX XXXX when the correct amount should have been {$14.00}. This error caused my account to become overdrawn and resulted in {$72.00} in overdraft fees. The restaurant corrected the error on XX/XX/year>, confirming that the issue was not caused by me. When I contacted my bank, I was told they would need to submit a request and that I would have to wait 72 hours for the overdraft fees to be refunded. The bank refused to promptly reverse the fees, even though they were clearly caused by a merchant error. On XX/XX/year>, I spoke with a supervisor and, because I needed access to my funds immediately, I was effectively forced to use my one-time courtesy refund to have the overdraft fees removed right away. This is unfair because I should not have had to use a limited courtesy benefit for fees that were not my fault. Now, I am experiencing a hardship and received another overdraft fee of {$36.00} on XX/XX/year>. When I contacted the bank again via chat, both XXXX XXXX and a supervisor named XXXX refused to allow me to use the courtesy refund, stating that it had already been used.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I did not authorize this inquiry. Please remove immediately under FCRA.

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 2026-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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