vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: UT

Complaint narrative:
I am filing this complaint against ChexSystems for failing to remove inaccurate and/or obsolete information from my ChexSystems consumer report. I previously disputed this information directly with ChexSystems and provided the required documentation, but the account remains on my report without proper validation. 

Under the Fair Credit Reporting Act ( FCRA ), ChexSystems is required to ensure the accuracy of information and to delete unverifiable or outdated data. Their failure to do so is preventing me from opening a bank account and has caused financial hardship. 

I am requesting that ChexSystems either : Provide proper verification of the reported account, or Remove the account immediately if it can not be verified. 

I am requesting a full investigation and correction of my consumer report.

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 2026-01-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
My name is XXXX XXXX. I purchased a car from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX, XXXX, SC XXXX, XXXX. He sold me a XXXXXXXX XXXX XXXX XXXX. The owner 's name is XXXX XXXX. Three days after buying the car, the car broke down on the highway. I was able to drive it off the road onto the grassy area near the ditch. I am XXXX XXXX XXXX. I fell into the ditch trying to get out of the vehicle. I had XXXX tow the car to XXXXXXXX XXXX XXXX XXXXXXXX XXXX. It was under warranty. A few days later, XXXX XXXX called me and told me to come and pick up the car. I went to retrieve the vehicle. I drove it home. It was a red XXXX. The next day, it broke down. It was smoking. My nephew came to assist me and give me a ride. He noticed that it was a different car. XXXX XXXX had not informed me that he had given me a different car, not the one I had been financed for. I told him she wanted her money back and wanted the sale cancelled. He refused. Credit Acceptance said there was nothing they could do. On Saturday, XX/XX/XXXX, we called Credit Acceptance. The supervisor told me I had 2 options - Go and retrieve the car and pay for it, or let them repossess it. I decided to retrieve it and pay for it. However, when my sister XXXX called XXXX XXXX on Monday to inform him we were sending XXXX to get the car, and he tried to convince her to persuade me to let it be repossessed. At that time, there was no notice of repossession. XXXX told him XXXX would be coming to get the car and take it back to XXXX. He never fixed the car. He refused to cancel the sale. And now, he has refused to surrender the vehicle. We have contacted Credit Acceptance but they refuse to assist. They take his word for everything. What can I do? Before the car went into repossession status, he refused to surrender the car. I have not received a letter stating that the vehicle would be repossessed.

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 2026-01-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: TX

Complaint narrative:
This XXXX gift card has unauthorized transactions, and I'm having difficulty resolving this with a human. I'm getting the run around with automated voice services.

Blackhawk has quietly removed or redirected most consumer-facing support forms, which is why I'm hitting dead ends. 

My mom sent my daughter a XXXX gift card in the amount of {$100.00}. When my daughter checked her balance, it only had {$0.00} left. I have attached a screenshot of the transactions as well as the card and receipt. 

How can I get this refunded? This issue is way too common for scammers to steal money and this has been an issue for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: PA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint concerning persistent and ongoing errors in the servicing of my federal student loan account. Specifically, Nelnet has : - Reflected inaccurate loan balances that do not match my actual payment history. 
- Mishandled my account status, including the improper reporting of repayment, deferment, or forbearance periods. 
- Failed to accurately investigate and correct documented errors despite my submissions and supporting evidence. 

These servicing errors are significant as they impact my credit reporting, financial planning, repayment strategy, and potentially my eligibility for loan forgiveness or repayment programs. 

To highlight the gravity of these issues, it is pertinent to note that Nelnet is currently involved in multiple legal actions and class-action litigation related to misconduct in loan servicing. These include : - Class action lawsuits alleging miscalculations of income-driven repayment amounts and systemic delays in processing applications for repayment plans and loan forgiveness, which mirror the types of errors I have experienced. 
- Data security litigation and settlement activity stemming from a significant XXXX data breach affecting millions of borrowers, illustrating compliance and data management concerns at the company. 
- Ongoing federal litigation related to credit reporting practices, including cases where Nelnets motion to dismiss was denied, allowing discovery to proceed in a lawsuit alleging violations of the Fair Credit Reporting Act ( FCRA ).

- Historical class actions alleging that Nelnet misrepresented loan eligibility for federal relief programs and improperly serviced borrower accounts.

These ongoing matters underscore that the systemic servicing failures and compliance issues at Nelnet are not isolated incidents but part of broader disputes involving borrowers and regulatory requirements.

Given the above, I formally request the following : 1. A full review and audit of my account history, including payment application, status changes, interest accrual, and balance adjustments.

2. Immediate correction of any inaccurate loan balances and account status designations.

3. Written confirmation of all corrective actions taken, with documentation supporting the corrections.

4. Assurance that no inaccurate or harmful information has been or will be reported to any credit bureau because of these errors ; if it has, evidence of removal must be provided. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Letters in the mail saying I own a debt. Refused to provide debt Validation letter saying they don't understand what I'm requesting. Calls and threats to send the account to a lawyer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint because LVNV Funding reported multiple collection accounts on my credit report for {$640.00} and {$130.00}, and I never received any written notice, validation letter, or initial communication from LVNV Funding before these accounts were placed on my credit report. I was not informed of the alleged original creditor ( XXXX ), the nature of the debts, or my right to dispute them prior to credit reporting. 
LVNV Funding is a debt buyer, meaning it did not originate these accounts and must be able to demonstrate clear ownership, chain of assignment, and authority to collect. Despite my disputes and repeated requests for validation, no documentation has been produced to substantiate that LVNV Funding owns these debts, that the balances are accurate, or that the accounts are being reported correctly. 
Reporting collections without first providing proper notice and validation prevents me from meaningfully disputing the debts and violates federal law. Continuing to report these accounts without validation has caused ongoing harm to my credit profile. 
Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must provide a written validation notice containing the amount of the debt, the name of the creditor, and notice of my right to dispute the debt within XXXX ( XXXX ) days of the initial communication. Reporting to a credit bureau is a collection activity. Reporting and continuing to report these accounts without providing validation violates the FDCPA and exposes LVNV Funding to statutory damages of up to {$1000.00}, regardless of the balance amount.

In addition, by furnishing these collections without proper validation or complete identification, LVNV Funding and the credit reporting agencies have violated the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX accuracy standards, which require that information be complete, accurate, and verifiable. A debt buyer can not lawfully report a collection it can not fully substantiate. 
To lawfully continue reporting or collecting these accounts, LVNV Funding must provide : The full legal identity of LVNV Funding and proof it owns these debts The name of each original creditor and a complete chain of assignment/bill of sale A full itemization of the {$640.00} and {$130.00} balances, including dates, fees, and calculations The date of first delinquency for each account and proof it is being reported accurately Copies of the original contracts or account statements bearing my responsibility Proof that a proper written validation notice was sent, including the date and address used None of this has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Stellantis Financial Services US Corp.
State: AL

Complaint narrative:
I DISCOVER THAT LOAN COMPANY AND THE DEALERSHIP GOT TOGETHER AND INFLATED MY INCOME ON LOAN APPLICATION TO CHARGE ME MORE INTEREST AND FEES ON MY LOAN FOR MY VEHICLE XXXX XXXX [ XXXX XXXX XXXX [ XXXX, AL XXXX [ XXXX [ XXXX [ XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX AND Stellantis Financial Services , Inc . 
XXXX XXXX XXXX XXXX, IN XXXX RE : Affidavit of Non-Authorization and Formal Notice of Fraud Vehicle : [ XXXX XXXX XXXX XXXX : XXXX Contract Date : XX/XX/XXXX To Whom It May Concern, I am submitting this letter as a sworn notice of dispute and affidavit of non-authorization regarding the credit application used to obtain financing for the above-referenced vehicle. 

The XXXX credit application submitted in my name reflects a gross monthly income of {$23000.00}. I did not state, authorize, approve, or verify this income figure at any time. This information is materially false. 

The submission of inaccurate income on a consumer credit application constitutes material misrepresentation and fraud, particularly where such information is relied upon by the lender to approve financing and determine loan terms. 

I further affirm the following : I did not provide the stated income amount I did not review or approve the final credit application as submitted I did not consent to any alteration or inflation of my financial information I was not informed that false income figures were used to obtain lender approval Any financing approval obtained using inaccurate or falsified information is legally defective and exposes the submitting party to regulatory and civil liability. 

Accordingly, I am demanding the following within XXXX ( XXXX ) days : XXXX. Written identification of the individual who entered and submitted the income information XXXX. Documentation showing how income was verified XXXX. Copies of all lender submissions made on my behalf XXXX. A written explanation of how materially false information was transmitted to the lender Failure to respond will result in escalation to the Consumer Financial Protection Bureau, the State Attorney General, and pursuit of all remedies available under federal and state law. 

This notice is sent in good faith to allow an opportunity to cure and resolve this matter. 

Sincerely, 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 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: MS

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
- * * 15 USC 1692c * * Communication restrictions- * * 15 USC 1692g * * Debt validation requirements- * * 15 USC 1681e ( b ) * * Credit reporting accuracy * 1. Summary of the Issue * * I am filing this complaint because a debt collector and/or data furnisher is reporting a collection account on my credit report without complying with federal law. They have failed to validate the alleged debt, continued communication in violation of the FDCPA, and furnished inaccurate or unverified information to the credit bureaus in violation of the FCRA. 

-- - * 2. Parties Involved * * * * Debt Collector / Furnisher : * Name : LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Consumer Reporting Agencies Affected : * - XXXX  - XXXX  - XXXX  * A. Violation of 15 USC 1692c ( Improper Communication ) * The collector contacted me in ways prohibited by 1692c, including : - Contacting me at inconvenient times or locations - Contacting me after I requested, they stop - Contacting me despite knowing I dispute the debt - Contacting third parties ( if applicable ) These actions violate federal communication restriction * B. Violation of 15 USC 1692g ( Failure to Validate Debt * I requested validation of the alleged debt in writing. 
The collector has : - Failed to provide proper validation - Continued collection activity without validating - Continued reporting or verifying the account with credit bureaus This is a direct violation of 1692g ( b ), which requires all collection activity to cease until validation is provided.

* C. Violation of 15 USC 1681e ( b ) ( Failure to Ensure Accuracy ) * The furnisher is reporting information that is : - Inaccurate - Unverified - Incomplete - Reported without proper validation - Reported while in dispute Under 1681e ( b ), furnishers and credit bureaus must ensure * * maximum possible accuracy * *. 
This standard has not been met.

-- - * 4. Harm Suffered * * Because of these violations, I have experienced : - Lowered credit scores- Denial of credit or higher interest rates - Emotional distress - Time and financial burden attempting to correct the issue -- - * 5. Desired Resolution * * I request that the CFPB require the collector/furnisher to : 1. * * Provide full validation * * of the alleged debt OR 2. * * Delete the account * * from all consumer reporting agencies if they can not validate it 3. * * Cease all unlawful communication * * 4. * * Correct or remove any inaccurate information * * 5. Provide written confirmation of compliance -- - # # * * 6. Supporting Documents ( if applicable ) * I can provide : - Copies of my validation request - Copies of any ceasecommunication notices- Credit reports showing the disputed account - Any communication from the collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am submitting this complaint against Synchrony Bank regarding a sudden and unexplained credit line reduction on my myWalgreens Mastercard account. Despite a perfect payment history and no delinquencies, Synchrony reduced my credit limit from {$3000.00} to {$940.00}, matching the account balance at the time. This action caused my utilization to appear maxed out and resulted in an immediate and significant credit score drop of approximately XXXX points. 

Synchrony states the decision was based on a predictive scoring model, yet provided only vague and generic factors that do not allow for meaningful consumer review or verification. I believe this action constitutes balance chasing and raises concerns regarding accuracy, fairness, and procedural compliance under federal consumer protection laws. 

DETAILED COMPLAINT On or about XX/XX/year>, I received an adverse-action notice from Synchrony Bank advising that my credit limit was reduced to {$940.00}. At no point prior to this action was I late, in default, or otherwise in breach of my account terms. 

The stated reasons for the reduction included generalized factors such as balances being too high compared to limits and a lack of certain installment or real estate loan information. These factors are not specific, do not reference actual tradelines, and appear inconsistent with my demonstrated payment behavior. 

Moreover, the reduction itself caused the very utilization issue cited, creating a misleading impression that I had maxed out the account due to consumer behavior. This reporting materially harmed my credit profile and appears inconsistent with fair and accurate reporting obligations. 

I have formally demanded clarification and verification from Synchrony Bank pursuant to the Fair Credit Reporting Act and Equal Credit Opportunity Act. A copy of that Adverse-Action Demand Letter is attached as Exhibit A. 

REQUEST FOR RESOLUTION I respectfully request that the CFPB review this matter and require Synchrony Bank to : 1. Provide a clear and specific explanation of the factors that led to the credit line reduction 2. Confirm whether the action constitutes balance chasing 3. Correct or clarify any credit reporting that creates a misleading impression of consumer-driven maxed utilization 4. Consider restoring the prior credit limit or a reasonable portion thereof

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 2026-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
Wakefield & Associates , LLC has engaged in misrepresentation and failed to comply with federal debt validation and investigation requirements after receiving multiple disputes, including a dispute submitted through the Consumer Financial Protection Bureau and a subsequent written validation request sent by mail and confirmed as delivered. 

XXXX XXXX Wakefield & Associates responded to a prior CFPB complaint on XX/XX/year>, asserting that no direct dispute had been received and that debt verification was allegedly sent to me on XX/XX/year>. Both representations are false and misleading. 

First, a dispute submitted through the Consumer Financial Protection Bureau constitutes formal notice. Wakefield acknowledged and responded to that CFPB complaint, which alone establishes receipt of a dispute. Attempting to differentiate between a CFPB-submitted dispute and a mailed dispute is a semantic distinction that does not relieve a furnisher or collector of its obligations once notice has been received. 

Second, Wakefield claimed that verification was sent to me, yet no such verification was ever received. Wakefield has produced no proof of mailing, no copy of the alleged correspondence, and no evidence of delivery. A bare assertion that verification was sent does not satisfy federal validation requirements. 

Because Wakefield attempted to deny its obligations by claiming no direct dispute, I sent a written debt validation request by mail. This request was delivered, as confirmed by USPS tracking. Despite confirmed delivery, Wakefield failed to respond, failed to provide any validation, failed to cease collection activity, and continued reporting the account.

Wakefields conduct demonstrates a pattern of misrepresentation and noncompliance, including asserting facts that can not be substantiated and ignoring a properly delivered written validation request. 

Violations Wakefield & Associates actions constitute violations of federal law, including but not limited to : 15 U.S.C. 1692g ( b ) Failure to provide debt validation and failure to cease collection activity after receipt of a written validation request.

15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation and correct or delete inaccurate information after receiving notice of dispute. 

Reliance on unsupported creditor assertions does not constitute validation, and Wakefield has produced no competent evidence demonstrating the accuracy of the debt or my legal obligation to pay it. 

Harm to Consumer As a result of Wakefields continued reporting and failure to validate, inaccurate and unverified information remains on my consumer credit reports, causing ongoing credit harm and misleading third-party users of my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
I tried to buy a steam deck off a XXXX XXXX  for XXXX XXXX The seller said he could ship And ask me to use Cash App. I said okay. I said I'd send him half after the order confirmation. I'd send him a XXXX. Then, he sent me a tracking number, pictures, Everything. the tracking number checked out so I sent him the other half ( XXXX each ), and then he canceled the tracking number. he took down his listing and blocked me. I then send a report to cash app. And they haven't gotten back to me

Company response to consumer: Closed with explanation