vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Harley Davidson Financial Services Inc
State: MO

Complaint narrative:
Harley Davidson financial closed my account out and wrote it off as a loss but they only said I paid 1 % of the loan off even though I have been paying them for 2 years and now they have somebody from SB investigations named XXXX XXXX calling people asking for me and Im not sure how they got the there phone numbers but they told them the reason for the call. I didnt think that was even legal

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
Just to clear, I have no missed payments, no late payments, and I don't owe them any money. The issue is I had an old back account linked to the credit card payment method so every time i was trying to make a payment it was being taken from a bank that I do not use anymore instead of the bank that I recently opened with the same institution that the credit card was with. When I noticed the payment didn't go threw I Immediately went back in and switched the payment method back to the correct bank account. Unfortunately this happened 4 time but yet I was never late or missed any payments. The card ended up being restricted so I reached out the institution to see if i could get the account back open and they were unable to help me with this request. So now because of what has happened with this card I am not being preapproved for another credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ZWICKER & ASSOCIATES
State: IL

Complaint narrative:
I called them to validate debt they never validated the debt at all, now they sent me to court for arbitration court cases against me Zwicker & Associates P.C

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Apple Card, issued through Goldman Sachs, implemented a payment format approximately XXXX months ago. This format involves running your finger on the touchscreen in a circle formatted with different payment amounts until you reach the payment amount you wish to make. Unfortunately, for the past XXXX months, this function does not work on my XXXX. I am not able to land on a payment amount I wish to make, and the payment options I am given are not suitable. I reached out to Goldman Sachs last month and again this month and they have no constructive advice or apparent knowledge on how to navigate their format to make a specific payment. Goldman Sachs instead instructs me to call and make the payment over the phone. However, the system taking the phone payments is remarkably rudimentary and untrustworthy. In order to ensure that I can make the payment that I wish to make, and that I can make the payment on the timely day that I wish to make it, I should be able to use my XXXX XXXX product to pay on my Apple Card The silly format that they set up with this touchscreen dial is not consumer friendly in the least. I cant imagine that this payment format would fly with any consumer friendly organization or agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc.
State: FL

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA. which prohibits They furnished this account that we never agreed upon, and I never sign an agreement. on A legal contract requires signatures from both parties, and I was not involved in any of it. They also failed to follow the proper five-step validation procedures according to the FDCPA I'm entitled to compensation for these violations and clearly they violated my rights and abused my privileges I demand this account be taken down immediately Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$860.00} past due as of XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
I am writing to resolve this loan defense with the entire school of XXXX XXXX XXXX regarding the XXXX lawsuit. I have contacted a few senators on issue. XXXX XXXX XXXX has affiliations with XXXX XXXX XXXX XXXX XXXX XXXX Also, the XXXX XXXX they switch within a week they wanted a new XXXX XXXX despite the rule of taking the XXXX once. The XXXX XXXX XXXX has no accrediation nor is in catalog that I could find for XXXX and was told I should be able to get a job with this which is far from the truth. XXXX program closed and there are afilliations with XXXX XXXX XXXX XXXX XXXX Navient doesnt service loans anymore, which is now XXXX and was told they were discharging this and was put in forebearance for discharge. XXXX XXXX XXXX XXXX which was told it is in forebearance to get discharged XXXXXXXX XXXX XXXX These are all the servicers that I would like taken care of and have had habitual issues with and would like issue taken off table. I got in car accident and I have been trying to resolve this issue for sometime. I even put in for XXXX XXXX school trying to do something with my education and have had no luck.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: ID

Complaint narrative:
I received this email : Hi XXXX, You have an outstanding balance with LVNV Funding LLC. XXXX XXXX XXXX was the original creditor. LVNV Funding LLC purchased the account and is the current creditor. LVNV Funding LLC asked XXXX to help you resolve this balance of {$180.00}. We can help with our flexible payment options and easy to use website. I have NEVER purchased ANYTHING from XXXX XXXX. I have NEVER received anything in the mail from them or letters stating I owe anything. I also saw they are filing for bankruptcy. It looks like to me these companies are falsely accusing people stating they owe money to try to get money back. This is fraud!!! I have ALWAYS paid my bills in full upfront. My credit score is over XXXX and I'm in my XXXX XXXX. This doesn't even show up on my credit report. I have checked it daily for the past 8 years or more!!! These companies are fraudulently going after people I'm guessing so XXXX doesnt have to close up shop.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCSPLUS INCORPORATED
State: NY

Complaint narrative:
I am filing a complaint regarding a collection attempt by NCSP ( NCSPlus Incorporated ) on behalf of XXXX XXXX XXXX, with an alleged balance of {$380.00}. I first became aware of this alleged debt only after receiving a collection notice. I was never properly notified of the original citation or violation prior to it being sent to collections. On XX/XX/year>, I formally disputed the debt via email, stating that all prior notices were sent to an incorrect and incomplete address that does not match my legal mailing address. I also requested full validation of the claim. After receiving no proper validation, I followed up again in XX/XX/year> after receiving another collection letter. In both instances, I requested : A copy of the original citation or violation Proof of proper service or notification The address used for all prior notices Documentation showing I was properly notified before referral to collections To date, the company has failed to provide the requested validation and continues collection efforts. Because proper notice was not served and validation has not been provided, I dispute the validity of this debt. This is the first time I have been made aware of this alleged violation. I am requesting that the account be fully validated or withdrawn from collections due to improper service and failure to provide required documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-28 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
In XX/XX/year>, I purchased an item through XXXX XXXX financed by Affirm. The item never arrived at my apartment. I submitted evidence to Affirm, including photos of my actual apartment door and the incorrect door shown by the merchant, tracking information, and communications with XXXX XXXX proving the item was not delivered. Affirm repeatedly closed disputes in favor of the merchant despite my evidence. Most recently, I received an email from Affirm threatening to report my account to credit bureaus, even though the merchandise was never delivered. I am seeking a refund for this undelivered item and request that Affirm not take any adverse action on my credit report while this dispute is under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding an alleged debt that I dispute as invalid and improperly reported. Following a rental vehicle incident, the damage was processed through my insurance company, which paid {$6300.00} as reasonable and customary repair costs. The remaining balance of approximately {$1600.00} consists of charges such as loss of use, depreciation, and administrative fees, which my insurer determined to be excessive and above reasonable market rates, and therefore not payable. Furthermore, the damage was limited to the front passenger-side door. It is unreasonable that such limited damage would result in such high additional charges. These fees lack sufficient justification and should not be my responsibility. XXXX XXXX XXXX XXXX Account info Account name SUMMIT A * R Account number XXXX Account type Collection Responsibility Individual Interest type - Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$1600.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1600.00} Highest balance - Terms 1 Month On record until XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Exeter Finance, LLC.
State: IA

Complaint narrative:
I have sent several certified mail XXXX letters demanding XXXX XXXX, XXXX prove their claim against me. XXXX XXXX, XXXX claims I am sending fraudulent documents through the mail demanding proof of claim. They are threatening me with legal action for demanding documents to provide proof of claim. XXXX XXXX, XXXX claims that I do not have a Right to Rescind Contracts # XXXX and # XXXX according to the Contracts being Indirect Auto Sales Installment Contracts. But according to 15 U.S.C 1635, UCC, Iowa 537a.602 and the Truth in Lending Act ( TILA ), those disclosures are REQUIRED. 523A.602 Consumer rescission, cancellation, and refund rights purchase agreement compliance with other laws. 1. A seller shall furnish the purchaser with a completed copy of a purchase agreement pertaining to the sale at the time the purchase agreement is signed. The seller shall comply with the following terms : a. The same language shall be used in both the oral sales representation and the written purchase agreement. b. The seller shall give notice in the purchase agreement of the purchasers right to rescind after signing the purchase agreement. The rescission period must be, but may be greater than, three business days after the date of the purchase agreement. The notice must : ( 1 ) Be located close to the signature line. ( 2 ) Be printed in twelve-point boldface type. ( 3 ) State in language that is substantially similar to the following language : You, the purchaser, have the right to rescind this agreement at any time prior to midnight of the ( insert relevant number, not less than three ) business days after the date of this agreement. c. All moneys shall be refunded without penalty within ten days after rescission. Iowa Notice of Right of Rescission In Iowa, the right to rescind a contract for indirect auto sales is governed by specific legal provisions. Here are the key points regarding the right to rescission in Iowa : Notice Requirement : Sellers must provide a written notice of the right to rescind within the purchase agreement. This notice must be located close to the signature line and printed in boldface type. Rescission Period : The rescission period must be at least three business days after the date of the purchase agreement. Refund Policy : All moneys must be refunded without penalty within ten days after rescission. I have demanded them to send the Complete Chain of Value and Chain of Title regarding both Contracts. They ignore me and threaten me with litigation if I continue to demand them to prove their claim. I have demanded the transaction account data for both Contracts. I have been ignored and threatened with litigation. These are just a sample of the issues I am having with XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau of York, Inc.
State: PA

Complaint narrative:
I have never lived in, nor have i ever applied to live at XXXX XXXX apts. I did not provide written consent, nor did I initiate any transaction with these entities. Despite this, my credit report was accessed and information was furnished under what I believe to be false pretenses, in violation of : - 15 U.S.C. 1681b ( no permissible purpose ) - 15 U.S.C. 1681q ( false pretenses ) These actions constitute fraudulent use of my personal information and are consistent with identity theft activity. Additionally, the credit reporting agencies have failed to properly investigate and remove this information as required under : - 15 U.S.C. 1681i ( reasonable reinvestigation ) - 15 U.S.C. 1681c-2 ( blocking identity theft information ) This situation may also be linked to a data breach exposing my personal information, resulting in unauthorized third-party use.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Bureau of York, Inc.
State: PA

Complaint narrative:
This account is the result of identity theft. I did not open this account, sign a lease, or authorize this debt. I became aware of this account when it appeared on my credit report and immediately disputed it with the credit bureaus and the collection agency. I filed police reports and provided documentation showing this account does not belong to me, including proof of residency and utility history showing I lived at a different address during the time this lease was signed. I requested a copy of the lease agreement, rental application, method of payment, proof of payment, and identification used to open this account. The company did not provide any of this documentation and only provided a ledger of charges, which does not prove I opened or authorized this account. Despite providing police reports and identity theft documentation, the account was improperly verified and remains on my credit report. This has caused significant financial harm, including multiple loan denials and higher interest rates. I am requesting immediate deletion of this account from my credit report and a proper investigation under the Fair Credit Reporting Act. I am also requesting the method of verification used to verify this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SOFI TECHNOLOGIES, INC.
State: WA

Complaint narrative:
I recently discovered that SOFI is charging my credit card account a XXXX XXXX monthly fee. When I opened this account after receiving an offer by mail, SOFI clearly told me there would be no user fee or annual fee. The original agreement does not state that SOFI could add a monthly fee later. SOFI assured me that as long as I paid my monthly balance on time, I would not have any issues. Now SOFI has arbitrarily changed this policy. If SOFI chooses to add new fees, it must give cardholders a clear choice to accept the new terms or cancel the card. SOFI did not provide that option. When I called customer service, the representative told me that this is the new policy and that I must either accept it or stop using the card. I am a XXXX XXXX XXXX American citizen and I do not accept this unfair and unreasonable practice. I request that SOFI refund all monthly fees charged to my account and immediately stop applying this {$10.00} fee going forward. SoFi Bank, N.A. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX ( XXXX ) Website is SoFi.com

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint again regarding Fifth Third Bank and my missing {$2500.00} deposit. My previous complaint ( ID : XXXX ) was closed without a proper resolution. In XX/XX/year>, I deposited checks totaling {$2500.00} into my account. The bank held these funds for several months and later closed my account in XX/XX/year>. In their response, Fifth Third Bank did not explain what happened to my money. They only advised me to contact the check issuer, without providing any proof that the funds were returned or where the money currently is. I am requesting a clear and documented explanation of the following : 1. The current location of my {$2500.00} funds. 2. Whether the checks were returned, including the exact date and proof of return. 3. If the checks were not returned, immediate release of my funds. Holding my money for months and closing my account without proper resolution is unfair and unacceptable. I am requesting immediate action and resolution of this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams, Rush & Associates, LLC
State: FL

Complaint narrative:
I recently pulled my credit report and found that a collection agency, William Rush & Associates, has reported a debt that I do not recognize. I was never notified about this alleged debt or given an opportunity to dispute it. I checked with XXXX XXXX XXXX XXXX XXXX and confirmed that William Rush & Associates is not licensed to collect debts in the state of Florida, where I live. Despite this, they placed a collection on all three credit bureaus for a company called XXXX in the amount of {$2100.00}. When I researched XXXX, I found that it is an online company that does not list a physical address, which prevents me from sending a written dispute of the debt.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am submitting this complaint regarding the sudden closure of my American Express accounts and the forfeiture of a substantial amount of earned rewards. I have been an American Express customer for approximately four years and have maintained an excellent payment history, never missing a payment. During this time, I have consistently been a high-volume spender, using my accounts for legitimate business purposes related to electronics resale. My business operates lawfully, including the use of a valid resale certificate with retailers that permit resale transactions. On or around XX/XX/XXXX, my accounts were closed without prior notice. At the time of closure, I had accumulated over XXXX Membership Rewards points, with an additional approximately XXXX points pending, as well as approximately {$4500.00} in XXXX rewards. All of these rewards were forfeited immediately upon account closure. I was not provided any warning, opportunity to cure, or chance to redeem my rewards prior to forfeiture. This is especially concerning given my long-standing relationship, consistent high spending, and perfect payment history. I want to emphasize that I have not engaged in any abuse of the rewards program. All spending was tied to legitimate purchases, and I relied on the advertised rewards structure when choosing to use American Express over other financial institutions. My spending decisions were made with the reasonable expectation that earned rewards could be redeemed in accordance with the program terms. While I understand that American Express may choose to close accounts at its discretion, I believe that the immediate and total forfeiture of earned rewardswithout notice or opportunity to redeemis unfair and disproportionate, particularly given the scale of the rewards balance and the fact that these rewards were earned through significant legitimate spending from which American Express profited. The forfeiture represents tens of thousands of dollars in value, making this a significant financial impact.

Company response to consumer: Closed with explanation