vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-02 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: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
I am filing this complaint regarding an unresolved charge from XXXX for merchandise that I never received. On XX/XX/XXXX, I placed an order with XXXX. However, the package was never delivered to me. I contacted XXXX to investigate, and they informed me that the claim was closed because XXXX ( the shipper ) failed to provide the required documentation. This confirms that the issue was not caused by me, but by the sellers failure to properly handle the claim. Since XXXX, I have made multiple attempts to resolve this issue directly with XXXX. Each time I contact them, I am told that my case is being escalated and that I will receive a response within XXXX business days. Despite these repeated assurances, no resolution has been provided. XXXX continues to hold me responsible for the charge and has continued collection efforts, including calls and emails demanding payment. I should not be held financially responsible for merchandise that I never received. I have acted in good faith to resolve this issue, but XXXX has failed to correct the situation. XXXX confirmed that the claim could not proceed due to XXXX lack of cooperation, further supporting that this charge is invalid.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
At one point my loan was XXXX and that was XXXX month, I checked it for the month of XXXX now its XXXX I see the interst was XXXX one day XXXX the next XXXX XXXX, they keep changing the interest and dropping my principal and then raising it. I feel like I am getting ripped off I pay my bill early and on time

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CarMax, Inc.
State: SC

Complaint narrative:
Car was listed in bankruptcy when filed! Also car was repossessed 2 years ago but CAF ( Carmax auto financing ) is still reporting on my credit as if Im making late payments!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
On XX/XX/XXXX, I applied for a mortgage and received a prequalification. I never received an approval from underwriting as of XX/XX/XXXX because of the failure of all involved to pursue my mortgage. I received a call from a loan processor, XXXX XXXX,. who told me it was urgent that I contact him back that very day. I was driving when I got the message and the urgency scared me so I pulled over to call the credit union. He spent XXXX mins asking the exact same questions I had just given the lady during pre qualification and there was no urgency. After a few days, I requested a new processor due to issues with the first one. I received a call from his supervisor, XXXX XXXX. She reassigned me to XXXX XXXX. On XX/XX/XXXX after seeing my loan process in limbo with a message about using gift funds for closing/down payment, I sent a message to XXXX advising him that I wasnt using gift funds. The process wont let you advance without all tasks being complete and the gift funds were a task. On XX/XX/XXXX XXXX responded that the system adds tasks randomly, ignore it and he will send my info to underwriting. On XX/XX/XXXX, same message is in the loan info page about gift funds so I send an additional message to XXXX that it still says gift funds needed. XX/XX/XXXX, I ask XXXX XXXX and he tells me hes waiting on underwriting and I ask him to update that in my file so that I can see the status. He did not. On XX/XX/XXXX, I sent XXXX an email asking about points and a few other questions. He never responded to that email. I had to call the credit union because my status about the gift funds was never updated and was told that XXXX, went into the computer after our last email message and added a note that I WAS going to use gift funds. The process on my application was stopped by XXXX with no communication to me. I attempted to call his supervisor for answers but neither she nor XXXX were at work. I then sent an email to XXXX to cancel my application because he obviously didnt want my business. He did not cancel it until XX/XX/XXXX. I saw after my email XX/XX/XXXX that he had sent it to underwriting yet I never heard from anyone again. I filled out a survey on XX/XX/XXXX and XXXX cancelled my application XX/XX/XXXX. Over XXXX daysno preapproval. I think part of the issue is that I am NOT a veteran. We go to the bottom of the pile. XXXX loan processors and a supervisor and no preapproval.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. My personal information was used without my authorization to open an account that I never applied for, agreed to, or benefited from. I disputed this account with the credit bureaus and provided proof of identity theft, yet it continues to be reported as verified without proper validation. This violates the Fair Credit Reporting Act, including 15 U.S.C. 1681i, 1681e ( b ), 1681s-2 ( b ), and 1681c-2 ( FCRA 605B ).

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 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I disputed a collection account reported by XXXX XXXX XXXX on my Experian credit report. The account shows a balance of {$730.00}. Experian responded by stating the account was verified and updated. However, I was never provided with any documentation or evidence to support this verification. I requested proper validation of the debt, including proof of the original creditor, account history, and evidence that this debt belongs to me. To date, I have not received any paperwork or documentation. Simply marking an account as verified without providing supporting documentation does not meet the requirements of a reasonable investigation under the Fair Credit Reporting Act ( FCRA ). I am requesting that Experian either provide proper documentation verifying this debt or remove the account from my credit report. This lack of transparency and failure to provide verification is a violation of my rights as a consumer.

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 2026-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Im writing to express serious dissatisfaction. On XX/XX/year>, my wife went to our local BOA bank in XXXX, Texas on XXXX XXXX XXXX to deposit XXXX checks from XXXX XXXX company one made out to her and me and the other made out to our daughter, her and me. The first check was deposited without me present, although we both signed the checks and have a co-account. But the second check could not be deposited because we do not all have a tri-account, nor cashed out, because we are not all present, although we had all signed the check. After discussing the situation with the Assistant Branch Manager and Branch Manager, my wife was informed that the check could be deposited to a co-account belonging to our daughter and her. The next day, XX/XX/XXXX, our daughter and my wife received an email from BOA stating the check could not be deposited and was under review ( see attached email below ). My wife went back to the bank today, XX/XX/XXXX, and asked why this occurred. And, she stated, if there was going to be a problem receiving funds, we would have wanted until Saturday, when we were all available, to cash out the check at the same time. My wife was lead to believe that depositing the check to XXXX co-account would suffice. Now the check is under review with results pending until XX/XX/XXXX. And, if the check process is not accepted, well need to wait a couple weeks for BOA to mail us a digital copy of the check for additional action. This is unacceptable. The funds need to be deposited 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 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Mid XXXX I was trying to buy a flight from XXXX through XXXX and on to XXXX XXXX. It was immediately flagged as fraud and yet XXXX usd was subtracted from my account. I never received an email, call XXXX or anything regarding where or what happened to that money. Then I had to buy yet another ticket that all messed up and ended up finally having to purchase three tickets instead of one on various websites until I finally got a real ticket to use. Here is some of the crazy stuff that XXXX sent back, even indicating that I had rented a villa in XXXX XXXX. I spent many hours online with XXXX XXXX from XXXX and Ally to the point of mental and physical exhaustion. etc, I simply want the XXXX returned to me from whomever stole it. I never received any flight ticket or anything from XXXX, a real mystery and yet Ally Fraud sends me endless private message replies about how sad they are and that within 10 days this will be resolved. and now I am filing a fraud case with Ally Bank about this. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )

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 2026-04-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Complaint against Synchrony Bank regarding deferred interest charges I am filing a complaint regarding my credit account with Synchrony Bank. I had a promotional financing offer that I understood to be a XXXX XXXX interest promotion for XXXX months. However, I later discovered that this was actually a deferred interest promotion, and I was charged over {$1400.00} in retroactive interest after the promotional period expired. At no point was it clearly communicated to me that failing to pay off the full balance before the end of the promotional period would result in all accumulated interest being added retroactively. While I understand that such terms may have been included in the fine print or billing statements, this was not presented in a clear and understandable way that reflected the significant financial impact. By the time I realized what had occurred, the interest had already been charged. I have since paid off the full balance, including the interest, but I strongly believe this charge was unfair and not clearly disclosed. If I had clearly understood that I would be charged all deferred interest, I would have ensured the balance was fully paid before the promotional period ended. I am requesting that Synchrony Bank review this situation and provide a refund or partial reimbursement of the interest charges as a goodwill adjustment. This situation has caused unexpected financial hardship, and I believe clearer disclosure should have been provided given the significant consequences. Thank you for your time and consideration. I have already paid the full balance, including the interest.

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 2026-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
You closed out a response to a previous complaint of capital one auto. Again I had to file bankruptcy in XXXX and was removed to not getting credit counseling before I file and it became a procedural issue. I was told under bankruptcy I could not make pmts to capitol one. Resulting in not being able to make XXXX XXXX and XXXX. Currently I am in federal court fighting to keep my home resulting in financial issues. Which you did not address. I have tried to work out a XXXX plan until the court case be resolved. You locked my acct and today just unlocked it. You have a letter dated XX/XX/year> that you never sent to me. Pretending you addressed this issue and you didn't. You made XXXX contact with me. I have filed in federal court a request for a TRO why I'm in litigation. You have not sent me any documentation in many years. You never gave an validation. Please provide the XXXX FOR THIS AUTOMOBILE. THE ORIGINAL PROMISSORY NOTE NO COPIES, AND THE ACTUAL CASH VALUE DOCUMENTS SHOWING That Capitol ONE FUNDED THIS Loan. BECAUSE I DON'T HAVE ANYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
On XX/XX/year>, I entered into a lease for a XXXX XXXX XXXX with XXXX XXXX XXXX and paid a significant amount in upfront cash. At the time of signing, a trade-in was expected but ultimately did not take place. Because of this, I was instructed to increase my upfront cash payment, which I did. I also requested an updated contract reflecting the revised terms ( no trade-in and increased cash ), and I was told by the XXXX XXXX that this would be provided, but it was not. After signing, I received a notice from Lincoln Automotive Financial Services stating that the fees and taxes disclosed in my lease were incorrect and were later corrected. Due to this post-signing correction, and the fact that the lease documentation still reflects a trade-in that did not occur, I requested a written accounting showing how my upfront funds were applied. Specifically, I asked for a breakdown showing how my cash ( in place of the trade-in ) was allocated between capitalized cost reduction, fees, taxes, and other charges. Lincoln Automotive Financial Services responded stating that no funds were reallocated, but did not provide the requested accounting. After a follow-up request, instead of providing a breakdown, they sent me a copy of the lease agreement, which does not show how my upfront funds were actually applied. I am not disputing the lease terms or my monthly payment. I am requesting a clear, written accounting showing how my upfront funds were applied, particularly in light of the post-signing correction and the discrepancy regarding the trade-in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Post Lake Lending Inc.
State: NM

Complaint narrative:
XXXX XXXX started garnishing my wages through XXXX, which is who Manages my paychecks. I have had no previous warning, no letter no information of who where when or why my checks are being garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB MANAGEMENT SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB MANAGEMENT SERVICE 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 2026-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
I am filing a complaint against PHH Mortgage Services regarding improper fees, servicing errors, and failure to respond to a Qualified Written Request ( QWR ). On XX/XX/year>, I requested a mortgage payoff statement and simultaneously submitted a Qualified Written Request ( QWR ) disputing late fees included in my payoff and requesting a full audit of my account. I clearly informed PHH that I was under contract to sell my home and scheduled to close on XX/XX/year>. PHH issued a payoff quote valid only through XX/XX/year>, instead of a standard XXXX payoff, which interfered with my ability to close. I repeatedly contacted PHH requesting updated information and resolution of the disputed fees. Due to PHHs failure to respond, my closing had to be rescheduled to XX/XX/year>. Despite being aware of my pending sale and ongoing dispute, PHH referred my loan to foreclosure on XX/XX/year>. I was not properly notified prior to this action. On XX/XX/year>, PHH issued a new payoff statement increasing my payoff by over {$10000.00} in foreclosure-related fees. These fees were never previously disclosed, itemized, or explained. My loan history does not reflect these charges, and no documentation has been provided to justify them. Additionally, PHH failed to provide a timely substantive response to my QWR before taking actions that materially increased my payoff amount. I am requesting : A full itemized breakdown of all foreclosure-related fees Immediate removal of any unsupported or improperly applied charges A complete audit of my loan, including all late fees and prior loan modification adjustments Confirmation that no pre-modification fees were improperly reapplied Reimbursement of any overcharges collected at closing PHHs actions caused financial harm, delayed my home sale, and resulted in significant unjustified charges.

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 2026-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Lendbuzz Inc.
State: NJ

Complaint narrative:
I am filing this complaint regarding a defective vehicle that was sold to me and the improper handling of this case by the dealership. From the moment the vehicle was delivered, it presented serious mechanical and electrical issues, including failure to start and system warnings. I repeatedly reported these issues to the dealership, but I was consistently ignored and had to take full responsibility for seeking solutions on my own. At no point did the dealership proactively act to resolve the problem. I personally took the vehicle to a repair shop, where diagnostic testing confirmed issues with the XXXX system and electronic modules. Before any proper resolution was offered, I was contacted by the dealership and asked to sign a new contract. I was told this was due to a financing correction. However, this was not true. The new contract would have transferred full responsibility for the vehicles defects to me ( AS-IS ), which I refused to sign. Only after I refused this contract did the dealership proceed with repairs. The repair process was delayed, and I had to continuously follow up myself. Major components were replaced, including the XXXX XXXX XXXX and XXXX system parts, with a total repair cost of {$1800.00}. Despite this, the vehicle presented the same defects again on the very same day it was returned to me. This clearly demonstrates that the problem was not resolved and that the vehicle was defective from the beginning. When I requested a replacement vehicle, the dealership refused and insisted on canceling the contract instead. This option does not resolve my situation and would leave me with financial losses, including time, transportation costs, and lost work opportunities. I am not accepting cancellation as a solution. I am requesting a proper resolution, which is the replacement of the defective vehicle with another vehicle in proper working condition. I have attached documentation, including diagnostic reports, repair invoices, payment records, and supporting evidence of this situation. This matter has caused me significant financial and professional damage, and I am seeking a fair and adequate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: NV

Complaint narrative:
I sent a debt validation letter and never received that information.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-02 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: Kriya Capital, LLC
State: CA

Complaint narrative:
I request a debit validation and the purchase agreement and their right to collect but none was ever provided .and they didnt ever send a demand letter before damaging my credit as result there they must pay {$1000.00} damages for these violation as set by XXXX. and delete this item immediately from my credit report.

Company response to consumer: Closed with non-monetary relief