vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: TX

Complaint narrative:
On XX/XX/year>, LoanCare reported my mortgage balance to XXXX as having decreased to {$300000.00}, then reported it as having increased back to {$300000.00} on the same date. My balance has never been {$300000.00} based on my payment history only approximately {$400.00} per month is applied toward principal, making a sudden drop of over {$1600.00} impossible within a single reporting cycle. This constitutes inaccurate balance reporting to the credit bureaus in violation of the Fair Credit Reporting Act. This complaint follows a prior CFPB complaint filed against LoanCare for withdrawing my XX/XX/year> mortgage payment via autodraft and failing to apply it to my loan until XX/XX/year>, resulting in LoanCare sending me a late payment notification despite having been in possession of my funds. Additionally, this complaint comes on the heels of a 3+ month deed-in-lieu of foreclosure process with LoanCare in which I was put through the entirety of the application process only to receive a denial without any written explanation of the reasons for denial, and without LoanCare ever clearly disclosing XXXX XXXXXXXX XXXX eligibility criteria for a deed-in-lieu at the start of or throughout the process costing me a credit report pull and an appraisal/XXXX fee.

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 2026-05-25 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: OR

Complaint narrative:
On XX/XX/XXXX my landlord forced my family out of the home we were going to purchase. Everything we owned got either taken to the dump or they burned it. With everything I owed, my personal information files were included along with a couple credit cards. XXXX capital one credit cards were supposed to be mailed to me due to them being stolen. Well months go by and I don't receive anything from Capital One regarding my credit cards. Then in XXXX of XXXX, Capital One calls me to verify a bank account that was attached to my account. I said that those XXXX cards were suppose to be stopped and new ones mailed to me. Well, I also found out that someone had opened a Capital One Walmart credit card in my name in XXXX of XXXX which wasn't me. That's when the months of calling credit one continued for them to fix this. So, instead of researching who had stolen my id, they closed my accounts saying consumer closed them which made my credit score go way down like 100 points. Prior to all this I had been working really hard on getting my credit at a great level. At the end of all this, Capital One did nothing to correct their mistakes and wouldn't offer me a new credit card. They denied me when it was their wrong doings that messed up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Initial was a lease for a Hyundai XXXX XXXX. The vehicle turned out to be a lemon and never took possession of the car. It was purchased back from Hyundai and was crushed. I should not be accountable for any payments or balances on and should be removed from my credit report completely.

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 2026-05-25 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am submitting this complaint because I believe my consumer credit file contains accounts and negative information connected to identity theft, unauthorized use of my personal information, and/or inaccurate reporting after a data breach. I placed a fraud/security alert on my credit file because I believe fraudulent applications may have been submitted in my name or my identity may have been used without my consent. As of XX/XX/year>, my credit report shows multiple accounts with late payments, charge-offs, past-due balances, and closed accounts that I dispute as unauthorized, inaccurate, unverifiable, or the result of identity theft/data breach activity. These accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and other disputed tradelines appearing on my report. I previously disputed credit reporting information and requested investigation, but the disputed negative information continues to appear. Some accounts are reporting charge-offs, high balances, late payments, and past-due amounts, which has seriously harmed my credit score and ability to obtain credit, housing, employment opportunities, and financial services. I am requesting that Experian , and the involved furnishers properly investigate under the Fair Credit Reporting Act and block all information that resulted from identity theft pursuant to 15 U.S.C. 1681c-2 ( a ). I am also requesting deletion or correction of any account that can not be verified with complete, reliable, and legally sufficient documentation.

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 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
Thwy are charging me for a debt with a different name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Robinhood Financial ( Robinhood Money , LLC et. al. ) once stood as a platform of integrity, pioneering accessible investing amidst the chaos of emerging technology. Robinhood was certainly celebrated for its user-friendly interface, accessibility, transparency, and enthusastic commitment to democratizing finance. However, over time, this reputation has been marred by a troubling decline in ethical standards. The Robinhood platform now operates under a cloud of excessive and opaque fees that significantly diminish consumers ' resources. Every transaction, whether large or small, seems burdened by mounting charges upon charges, often exposing users to a depleting cycle of hidden or misunderstood costs. These very fees, sometimes unintentional and marked by neglect or uncertainty, erode trust and financial stability. The cumulative effect can result in significant losses of up to ( >30 % ) in terms of income solely due to these troublesome fees an alarming industry norm where Robinhood no longer distinguishes itself from other platforms, where funds often vanish amidst the thinline of transactions. This erosion of integrity highlights the urgent need for greater transparency and accountability in the platforms operations to separate itself from other financial platforms that abuse the process of fees such XXXX XXXX / XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I had a car which got stolen when the car got stolen. I canceled the insurance and the insurance tried to charge me for the following month and I told them the insurance was already canceled and they told me I still have to pay even though the bill was not due yet. I have a screenshot of the bill of the day it was due trying to figure out why they keep trying to say I still owe when I dont. There was not a payment that was due. They are trying to charge me for cutting off the insurance. Why would I keep insurance on a car? I dont have.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
On XX/XX/year> this company sent a letter stating I owed for a student loan, I disputed it on XX/XX/year>. I asked for debt validation. They then sent a charge-off transaction summary. I sent another letter stating I wanted a wet signature from original contract, a complete accounting of the alleged debt including all interest, fees, and charges, documentation proving companys legal authority and full chain of assignment to collect on this account. On XX/XX/year>, I received another letter from them stating they received my dispute but would not be conducting another investigation. On XX/XX/year>, I sent a final notice and formal demand for complete compliance, failure to provide legally required validation. As of today, XX/XX/year>, they still have not complied.

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 2026-05-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SLM CORPORATION
State: LA

Complaint narrative:
On XX/XX/year> this company sent a letter stating I owed for a student loan, I disputed it on XX/XX/year>. I asked for debt validation. They then sent a charge-off transaction summary. I sent another letter stating I wanted a wet signature from original contract, a complete accounting of the alleged debt including all interest, fees, and charges, documentation proving companys legal authority and full chain of assignment to collect on this account. On XX/XX/year>, I received another letter from them stating they received my dispute but would not be conducting another investigation. On XX/XX/year>, I sent a final notice and formal demand for complete compliance, failure to provide legally required validation. As of today, XX/XX/year>, they still have not complied.

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 2026-05-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint regarding a frozen/restrained bank account with Capital One. My account was frozen, and I was not provided clear notice explaining the restraint, amount withheld, reason for the freeze, or steps needed to resolve it. The matter appears connected to a judgment involving my business, XXXX XXXX XXXX XXXX XXXX, but my personal banking access has also been affected. I have attempted to understand the status of the restraint and settlement process but have had difficulty obtaining clear answers. I am requesting : 1. A complete explanation of the legal basis for the account freeze ; 2. Copies of any notices sent regarding the restraint or levy ; 3. Clarification regarding why personal accounts were impacted ; 4. Confirmation of the current status of restrained funds and any release process ; 5. Review of whether proper notice and procedures were followed. This freeze has affected my ability to access funds and manage daily financial obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MD

Complaint narrative:
JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL 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 non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AC AutoPay LLC, Denver, CO Branch
State: CA

Complaint narrative:
On XX/XX/year>, I used the XXXX ( XXXX XXXXXXXX XXXX ) website strictly to explore interest rates. As shown in the attached screenshots, I was on their pre-qualification funnel ( URL : XXXX ) and explicitly selected the option 'Just checking my options. ' This clearly indicated that I was not submitting a formal application for final financing. Despite this, the company executed an unauthorized Hard Credit Inquiry on my credit report and opened a formal loan application ( Application Number : XXXX ) without my explicit consent for a hard pull. When disputed, customer service representative XXXX XXXX refused to remove the inquiry, hiding behind a generic 'Terms of Use ' checkbox that only mentions obtaining a 'copy of your credit report ' ( which applies to soft pulls ) and fails to disclose a Hard Inquiry or credit score impact. This is a clear case of deceptive marketing and a violation of the Fair Credit Reporting Act ( FCRA ). I demand that XXXX/ XXXX XXXX XXXX immediately request all credit bureaus to delete this unauthorized hard inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Beginning in XXXX, I disputed multiple accounts appearing on my consumer credit reports due to inaccurateXXXX inconsistent, and questionable reporting across Equifax , XXXX, and XXXX. The disputed accounts include XXXX XXXX XXXX XXXX XXXX, and multiple XXXX XXXX XXXX XXXX accounts. I identified significant inconsistencies in how these accounts are being reported across the nationwide consumer reporting agencies. For example, the XXXX XXXX XXXX XXXX accounts are reporting only with XXXX while no corresponding reporting appears with Equifax or XXXX. Additionally, the XXXX account was previously removed from my credit report but later reappeared without sufficient explanation or documentation supporting the reinsertion. The XXXX XXXX XXXX account is also reporting conflicting delinquency information across the consumer reporting agencies, including different delinquency statuses and payment history reporting for the same account. I submitted disputes requesting complete verification of the reporting, including payment history, account-level documentation, dates of first delinquency, and documentation supporting the accuracy and completeness of the reported information. Despite these requests, the accounts continue to be reported inconsistently and without sufficient documentation being provided to support the investigations conducted. I also requested documentation supporting how the disputed information was verified and how previously deleted information was reinserted onto my credit report. However, no meaningful explanation or supporting documentation has been provided. Because of the ongoing inconsistencies, reinsertion concerns, and lack of complete verification, I do not believe reasonable investigations have been conducted as required under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC
State: CO

Complaint narrative:
As of XX/XX/XXXX i received a letter from the XXXX XXXX XXXX XXXX XXXX XXXX indicating that a outstanding balance of {$26000.00} and i am being sued in which i tried to tell the company American Credit Acceptance that i would like to cure the remaining Balance. American Credit Acceptance had told me back in XXXX The Repossession was closed and no info is provided. Then speaking to another agent they told me the remaining balance i owed is {$14000.00} also the agent cant provide me with a requested written reinstatement. so to my knowledge and my research American Credit Acceptance is voiding the deficiency by law in Colorado they lose the right to sue. I never received a " Written Notice Of Right To Cure Balance ''. I demanded my vehicle back they couldn't provide me with info on my XXXX or when they Performed a " Improper Repossession '' But then had told me that in XX/XX/XXXX My Account was Closed So now following there course of action i am going to file a stolen vehicle report. Back in XX/XX/XXXX. XXXX XX/XX/XXXX American Credit Acceptance was being sued for Improper Repossessions and i feel my account falls into that settlement with all i have researched and documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I was in XXXX Tennessee at XXXX XXXX XXXX XXXX and went to a time share presentation in which they asked for my ssn and i had asked if it was a soft pull or hard pull and they said soft pull so i put my information in and in the middle of the agreements that they were talking to me about the mustve put in a credit card agreement without my knowledge and said nothing until i got home looked at my credit and saw the new line this was issued through barclays bank and is a form of fraud i had contacted them today and they said they would close it but i want it wiped from my credit as it has dropped it now significantly

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 2026-05-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
XXXX XXXX XXXX account closed without explanation ; funds withheld despite clearing. Huntington National Bank Huntington closed my account without explanation after I deposited a check on XXXX. Within 24 hours, I lost access to my savings account. I was told the account was force closed and that I would receive a letter, but no reason was provided. I was told to wait until XX/XX/year> for more information. On XX/XX/year>, I contacted Huntington again. The check had cleared, but the account was placed on hold. Representatives stated that the funds would be mailed to me because the account was closed. However, the account still shows as open in their system with an available balance. I have received conflicting information from multiple representatives. The person who wrote the check provided a notarized letter authorizing release of the funds, but Huntington stated they still can not release the money except by mail. As of today, the funds remain on hold, and I have not received a check or a timeline for disbursement. Closed my account without explanation Withheld my cleared funds Provided conflicting and inaccurate information Refused to provide a timeline for disbursement Failed to provide access to my own money I want Huntington to immediately release my funds or provide a clear, documented timeline for disbursement. I also want an explanation for the forced closure and the continued hold on my cleared funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I am filing this complaint regarding a disputed charge of {$12000.00} on my Synchrony Bank credit account ( Dispute ID : XXXX ) for outdoor power equipment purchased through XXXX XXXX XXXX XXXX. On XX/XX/year> I signed a Synchrony XXXX Sales Invoice and the full {$12000.00} was charged to my account on XX/XX/year>. The 18-month 0 % APR promotional financing period commenced immediately upon that charge. As of the date of this complaint, the equipment has never been delivered. I am now 50+ days into my promotional financing window paying for equipment I do not possess and can not use. Key facts Synchrony should consider : 1. No delivery has occurred. The merchant 's own written communication confirmed a 3-7 week build window. That window expired XX/XX/year> with no delivery and no contact from the merchant. 2. No written cancellation policy was presented or signed at point of sale. The merchant 's no-refund policy exists only on their website. I was never presented with it, never acknowledged it, and never signed anything containing it. 3. I submitted a formal written cancellation on XX/XX/year> before any delivery attempt. The merchant refused and has made zero contact since. 4. Synchrony denied my initial dispute ( ID : XXXX ) on XX/XX/year>. I immediately filed a redispute ( ID : XXXX ) the same day under non-delivery with supporting documentation including my written cancellation, the merchant 's own email admitting non-delivery, and a timeline document showing the 7-week window expiration. 5. The merchant 's dispute rebuttal framed my cancellation as a personal circumstance decision. This is false. My cancellation was based entirely on premature billing of {$12000.00} on undelivered goods which immediately triggered my promotional financing period causing direct and ongoing financial harm. 6. The charge was applied before the merchant had even ordered the component parts from his supplier. Supplier invoices submitted by the merchant show parts were ordered XX/XX/year> three days after my card was charged. I am requesting that the CFPB review Synchrony 's handling of this dispute and the merchant 's compliance with Synchrony 's XXXX dealer program requirements regarding premature billing practices on promotional financing accounts. ''

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