vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Golden 1 Credit Union is reporting my auto loan as a Profit and Loss Write-Off / charge-off while refusing to release the lien on my vehicle and previously demanding a remaining balance of {$400.00} in order to release my pink slip. 

A creditor can not legally claim a loan as a tax loss and continue to enforce a lien or demand payment. This is wrongful lien retention and double recovery. 

Golden 1 is also reporting contradictory and impossible dates to the credit bureaus, including closing the account on XX/XX/year> while listing a last payment of XX/XX/year>. An account can not receive payments after it has been closed and charged off. 

Because of these inaccuracies and unlawful actions, I am requesting immediate lien release and full deletion of this account from all credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: TX

Complaint narrative:
Ebills were setup through XXXX XXXX XXXXXXXX, but Discover quit participating in ebills. I didn't realize I hadn't received a new bill and missed a payment. My card has been open since 2012 and I haven't had previous late payments. Discover refused to refund the {$30.00} late fee, even though I made a payment as soon as they notified me - 10 days after the due date. Discover discontinued their ebill service, but told me to contact XXXX XXXX XXXX for help. This is an easy way to charge an additional fee to customers who usually pay on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: GA

Complaint narrative:
in XX/XX/year> I contacted capital one finance to let them know that XXXX cards were opened up in my name that were fraudulent. I advised that I didnt see the information on my mobile account until XXXX and what had happened was whoever had the card had stopped making the necessary payments which lead them to come after me for the money which made me aware that these accounts were opened up in my name I filed a fraud report for all XXXX accounts with capital one XXXX capital one closed XXXX account, but kept XXXX accounts open instead of closing all of the accounts. None of the accounts belong to me. Ive also filed the identity theft report with the identity theft.gov as well and I have these cards are negatively affect affecting my credit report and I need these removed from my credit report as soon as possible because they do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS ACCOUNT IS BEING REPORTED WITH INACCURATE INFORMATION AND CONTINUES TO SHOW LATE PAYMENTS THAT DO NOT REFLECT THE TRUE STATUS OF THE ACCOUNT. THE PAYMENT HISTORY IS INCORRECT AND MISLEADING, CAUSING UNNECESSARY DAMAGE TO MY CREDIT PROFILE. I AM FORMALLY DISPUTING THESE ERRORS AND REQUEST THAT THE ACCOUNT BE INVESTIGATED AND UPDATED TO REFLECT ACCURATE INFORMATION OR REMOVED IF IT CAN NOT BE VERIFIED.

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 2026-01-13 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: World Acceptance Corporation
State: AL

Complaint narrative:
Subject : Failure to Properly Investigate Disputed Account World Finance is reporting account [ Acct # XXXX ] on my credit report that I have formally disputed. They failed to conduct a reasonable investigation and continue reporting unverifiable information. 

No signed contract, payment history, or proof of obligation has been provided. This is a violation of the Fair Credit Reporting Act and unfair reporting practices. 

Because World Finance can not substantiate this debt, continued reporting is inaccurate and damaging. I am requesting immediate deletion of this account from all credit bureaus and written confirmation of removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express has never given me the information requested previously. I have asked them for the original credit card application bearing my signature and the XXXX tax document that allegedly shows they were paid and justifies this account as a charge off. They have continuously tried to keep this charge off account on my credit reports without furnishing this information. I never applied for this card or given any permission to do so. This account was opened under fraudulent pretenses due to identity theft. I have provided this information to American Express and they continue to keep responding I am responsible for the account because payments were made from an account in my name. I also told them the account was opened online with my information but without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: AL

Complaint narrative:
Wise closed my account XX/XX/year> but they haven't refunded my balance yet

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CT

Complaint narrative:
My federal student loans were previously serviced by XXXX  and were later transferred to Aidvantage. All of my loans are currently listed in forbearance ; however, my account profile also reflects a standard repayment amount exceeding {$800.00} per month, which does not align with my income or repayment eligibility and creates confusion regarding my actual obligations.

During the years my loans were serviced by XXXX, I was repeatedly placed into deferment or forbearance rather than being provided clear, affordable income-driven repayment options. I was not adequately counseled on sustainable repayment plans despite having limited income for many years. As a result, interest accrued and capitalized over time, leading to significant balance growth without meaningful repayment progress.

After the transfer to Aidvantage, I received numerous electronic notifications stating that new documents or messages were available in my account. These notifications did not contain substantive information regarding my repayment status, forbearance, or income-driven repayment applications, and instead required me to log into the online portal without providing clear explanations. As a result, I was unable to determine my status based on written communications alone and had to rely on verbal guidance from Aidvantage representatives.

During calls with Aidvantage representatives, I was advised that my loans remained in forbearance and that repayment amounts displayed in my account were not a cause for concern due to ongoing uncertainty surrounding the SAVE program. I relied on these representations in the absence of clear written guidance. Later, after changes to the SAVE program were announced, I was informed that I would need to pursue alternative options and was advised to consider loan consolidation under urgent time pressure, despite the significant financial impact such a step could have.

I am concerned that servicing errors and inadequate communicationoriginating during the XXXX  servicing period and continuing after transfer to Aidvantagehave resulted in inconsistent information, disproportionate balance growth, and confusion regarding appropriate repayment options. My reported borrowed amount has been inconsistent over time, and my current balance has grown to approximately {$83000.00}, which appears disproportionate to the amount originally borrowed and my educational attainment.

I am requesting a full review and reconciliation of my account, including XXXX-era servicing history, interest capitalization, aggregate loan calculations, repayment counseling practices, and Aidvantages handling of written and verbal communications. I am also requesting written clarification of my current status and assistance with placement into a sustainable repayment plan consistent with federal student loan regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/year> Spring Oaks Capital LLC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX RE : FORMAL DISPUTE & DEMAND FOR DEBT VALIDATION ACCOUNT # : XXXX To Whom It May Concern, This letter serves as a formal dispute and demand for validation of the above-referenced account pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act and 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act.

I dispute the accuracy, ownership, and legal enforceability of this alleged debt. I am requesting strict proof, not summaries, screenshots, affidavits, or internal account notes.

To comply with federal law, you must provide ALL of the following documentation : 1. The assignment contract or full chain of assignment, including every transfer of ownership from the original creditor to your company.

2. A bill of sale from the original creditor that specifically identifies my account by name and account number.

3. Account-level documentation, including the original signed contract or agreement, billing statements, and charge-off details establishing my legal obligation.

4. Proof of your licensing and bonding authorizing your company to collect consumer debts in the Commonwealth of Pennsylvania.

5. A complete breakdown of how the alleged balance was calculated, including principal, interest, fees, and the contractual authority for each amount.

Be advised that under 15 U.S.C. 1692g ( b ), you are required to cease all collection activity until proper validation is provided. Courts have consistently held that credit reporting and verification constitute collection activity.

Further, continuing to furnish or verify this account with any consumer reporting agency without producing the documentation listed above constitutes a failure to conduct a reasonable investigation under 15 U.S.C. 1681s-2 ( b ).

If you are unable to provide all five validation elements, you are required to immediately request deletion of this account from XXXX, XXXX, and XXXX.

Failure to comply will be considered willful noncompliance, subjecting your company to civil liability, statutory damages, attorneys fees, and costs under 15 U.S.C. 1692k and 1681n.

This letter is sent without prejudice and all rights are reserved.

WITHOUT PREJUDICE XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
Opened new checking account with Ally in XX/XX/2025 with XXXX code. Made {$1000.00} direct deposit two consecutive months and will not pay out {$300.00} bonus.

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 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
XX/XX/year>. 
Incorrect collection financial amount.

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 2026-01-13 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: LA

Complaint narrative:
TransUnion is reporting a false public record bankruptcy on my consumer credit file. The account is listed as a XXXX  XXXX bankruptcy discharged, allegedly filed XX/XX/year>, with Reference Number XXXX, originating from the XXXX Bankruptcy XXXX Louisiana, XXXX, classified as an individual bankruptcy with an asset amount of {$0.00}. 

This bankruptcy does NOT belong to me. I have never filed bankruptcy. I obtained and submitted official court documentation confirming that no bankruptcy exists under my name or Social Security number. I also verified this through XXXX. 

Despite submitting this proof, TransUnion continues to publish the inaccurate public record and has failed to properly reinvestigate or provide any documentation showing how this information was verified. 

Reporting a bankruptcy that does not exist is materially inaccurate and damaging to my credit profile. This conduct violates the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681e ( b ), 1681i ( a ) ( 1 ), and 1681i ( a ) ( 7 ), which require maximum possible accuracy, reasonable reinvestigation, and disclosure of the method of verification.

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 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Ihave a collection on my credit report that does not belong to me, and I have no contract with them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
XXXX credit card from Missouri keeps harassing me after I told them millions of times that I'm not working right at the moment to stop messaging me, calling me and emailing me. I feel anxious, tired, drained and depressed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I formally dispute the Bridgecrest tradeline as the result of identity theft. I did not open, authorize, or benefit from this account. Despite disputes, the credit bureaus claim verification while reporting materially inconsistent account data across XXXX XXXX, and XXXX, which proves no reasonable reinvestigation occurred and violates 15 U.S.C. 1681e ( b ) and 1681i. Reporting an identity-theft account without permissible purpose violates 1681b and requires blocking under 1681c-1. I have updated my address, placed a security freeze, and submitted identity theft documentation. Continued reporting constitutes willful noncompliance and I demand immediate, permanent deletion of the Bridgecrest tradeline from all consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau Complaint Submission Dear CFPB, I'm filing a complaint against Cash App for unlawfully restricting and closing my account, which has held my Bitcoin. Now after two months denying me access to my account blocked my access, claiming fraud without evidence or written explanation, despite my repeated calls and email and Identity Verifications amd After relentless follow-up, they finally restored access but then closed my account dowm when I tried transferring small amounts of Bitcoin to my hard walletas they explicitly allowed many times in the past years. Cash App refuses to let me move my assets to a wallet of my choosing and demands I sell my Bitcoin and transfer funds to my bank account, ignoring the tax implications of liquidating long-term holdings. They've provided no clear written justification, despite my requests, and are denying me control over my own cryptocurrency. I've been treated unfairly with constant runaroundendless calls, emails ignored, vague excuses, no real answers. It's clear they're dodging accountability while controlling my own money. This violates my rights under consumer protection laws. I'm asking the CFPB to intervene so I can access my account, transfer my Bitcoin to my personal wallet, and get a full explanation for their actions. My account details are. The Bitcoin in question is valued in the XXXX of thousands. Please investigate Cash App 's fraudulent practices and ensure they comply with federal regulations. Thank you, XXXX XXXX Email : XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: NAVY FEDERAL CREDIT UNION
State: OR

Complaint narrative:
I have a VA mortgage at 5.25 %. In XX/XX/year> I contacted my servicer and a VA XXXX department to request payment-reduction options due to financial hardship, including a VA IRRRL refinance XXXX I was told that even though lower VA rates were available, the company would not process my request unless the rate dropped by at least 0.50 %, which is an internal policy and not a VA program requirement. As a result, I was denied access to a federally authorized VA relief option intended to lower my monthly payment and help avoid delinquency. I am requesting review of whether the servicer is improperly applying internal policies that block VA loss-mitigation and payment-reduction programs

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Global Credit & Collection Corporation
State: TX

Complaint narrative:
I keep getting numerous phone calls from a XXXX XXXX using the number as private. He calls 4 times daily threatening to come to my job and my place of employment to serve me, but he won't tell me what it is and has me trying to call Global.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/2026 Southwest Credit Systems , L.P . 
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX RE : FORMAL DISPUTE & DEMAND FOR DEBT VALIDATION ACCOUNT # : XXXX To Whom It May Concern, This letter serves as a formal dispute and demand for validation of the above-referenced account pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act and 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act.

I dispute the accuracy, ownership, and legal enforceability of this alleged debt. I am requesting strict proof, not summaries, screenshots, affidavits, or internal account notes.

To comply with federal law, you must provide ALL of the following documentation : 1. The assignment contract or full chain of assignment, including every transfer of ownership from the original creditor XXXX XXXX XXXX to your company. 
2. A bill of sale from the original creditor that specifically identifies my account by name and account number.

3. Account-level documentation, including the original signed service agreement, billing statements, and charge-off details establishing my legal obligation.

4. Proof of your licensing and bonding authorizing your company to collect consumer debts in the XXXX of Pennsylvania. 
5. A complete breakdown of how the alleged balance was calculated, including principal, interest, fees, penalties, and the contractual authority for each amount.

Be advised that under 15 U.S.C. 1692g ( b ), you are required to cease all collection activity until proper validation is provided. Courts have consistently held that credit reporting and verification constitute collection activity. 

Further, continuing to furnish or verify this account with any consumer reporting agency without producing the documentation listed above constitutes a failure to conduct a reasonable investigation under 15 U.S.C. 1681s-2 ( b ).

If you are unable to provide all five validation elements, you are required to immediately request deletion of this account from XXXX XXXX, and XXXX. 

Failure to comply will be considered willful noncompliance, subjecting your company to civil liability, statutory damages, attorneys fees, and costs under 15 U.S.C. 1692k and 1681n.

This letter is sent without prejudice and all rights are reserved. 

WITHOUT PREJUDICE XXXX XXXX

Company response to consumer: Closed with non-monetary relief