vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am currently experiencing significant financial hardship and am residing in a XXXX  XXXX  as a XXXX XXXX. Access to basic banking services is essential to my ability to stabilize my situation, care for my child, and move forward financially. The permanent closure of my only checking account has immediately cut off essential financial XXXX  tools and created serious barriers to accessing the banking system. 

This closure is also actively jeopardizing my ability to pursue legitimate financial opportunities, including the planned purchase of a business. That process requires stable banking access and the ability to leverage my credit and financial profile. The risk that this account closure may impair my ability to open another bank account or interfere with lending and financing opportunities is extremely detrimental at this time. 

During my attempts to resolve this matter, a Capital One representative stated that it was illegal to reopen a closed checking account. This statement is false. No statute or regulation was identified to support this claim, and no such law exists. This appears to be a misrepresentation of internal policy as legal requirement in order to avoid review or escalation. 

The representative also stated that all banks have this policy, improperly speaking on behalf of the entire banking industry. Banking institutions maintain different policies regarding overdrafts, account closures, and reinstatement, and Capital One does not have authority to assert industry-wide practices. 

Finally, the risk justification provided makes no logical sense. This matter involves a checking account, not a credit card or credit product. There was no lending exposure or unsecured credit risk. The outstanding balance was minimal, and standard repayment or collection options were available. Permanently closing a checking account under these circumstances is disproportionate and lacks a rational risk-management basis. 

Given my current housing insecurity, financial hardship, and responsibilities as a single parent, the loss of basic banking access is not a minor inconvenience. It compounds existing instability and threatens my ability to regain financial footing and pursue economic self-sufficiency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am filing this formal complaint against Navy Federal Credit Union ( NFCU ) regarding the improper freezing and withholding of a wire transfer that was sent to my account. 

The Facts : Sending Institution : XXXX XXXX ( XXXX Bank ) Receiving Institution : Navy Federal Credit Union Issue : NFCU has frozen the incoming wire transfer and/or the funds associated with it, preventing me from accessing my money.

The Dispute : NFCU has refused to release these funds despite clear verification from the source. XXXX XXXX, the sending institution, has already investigated the matter and explicitly clarified that I am the correct and intended beneficiary of these funds. XXXX has confirmed there is no fraud or error on their end regarding the recipient. 
Despite this confirmation from the sender, NFCU continues to hold the funds without providing a valid regulatory justification or a clear timeline for release. This action is causing me undue financial hardship and appears to be an error in their fraud detection or compliance processing that they are refusing to rectify in a timely manner. 

Requested Resolution : I request that the CFPB intervene to compel Navy Federal Credit Union to : XXXX. Immediately unfreeze and release the wire transfer funds to my account. 
XXXX. Provide a formal written explanation for the extended hold, specifically addressing why they ignored XXXX verification of my status as the beneficiary. 
XXXX. Cease any further restrictions on my account related to this specific transaction.

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 2026-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Lending Services LLC
State: TN

Complaint narrative:
GLOBAL LENDING SERVICES- i have already signed for them to some tow and repossess the car and they are still calling and harassing me for money. and asking why i dont want the car or want to pay for it. they are charging me even tho ive signed the car to them and wont come get it. calls constantly everyday before XXXX XXXX. they say i owe way more money. ive spent over XXXX on this car and they said ive only paid XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: SC

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXXis a debt collector. They are falsely reporting on my credit!! Account number is XXXXis 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 2026-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
This furnisher NCB MANAGEMENT is illegally re-aging a repossession that occurred in XXXX. 
The account is falsely reported as opened in 2022, includes payment history years after the repossession, and shows a future due date, none of which are legally possible. 
I made no payments after the repossession. 
This constitutes false reporting and willful FCRA violations. 
I demand immediate deletion, as the account can not be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding a delinquency reported on my federal student loan serviced by Aidvantage. I made my first XXXX payments on time and believed I had successfully enrolled in automatic payments. During this period, I was graduating from the police academy and transitioning into my role as a law enforcement officer at a community college, which involved an intense and demanding schedule. 

Due to a misunderstanding during the autopay setup process, payments were not withdrawn as expected. I did not receive clear or effective notice prior to the delinquency being reported. As soon as I became aware of the missed payments, I immediately paid the full past-due balance, brought the account current, and successfully enrolled in automatic payments. The account has remained current since. 

Despite my good-faith repayment efforts and immediate remediation, Aidvantage reported a delinquency that resulted in an approximately XXXX-point credit score drop. I requested a XXXX-time courtesy or compassionate adjustment due to the circumstances and my public service employment, but Aidvantage stated they do not offer goodwill removals and declined further review. 

I am requesting that this matter be reviewed for fairness and proportionality. This was an isolated incident during a major life transition, not a pattern of nonpayment. I am requesting correction or removal of the delinquency as a XXXX-time accommodation given the circumstances, the immediate corrective action taken, and my continued compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I am filing a complaint against Ally Financial regarding improper billing for excess mileage on a leased vehicle that was declared a total loss before the lease end date. 

The vehicle was involved in an accident and declared a total loss on XX/XX/2023 which occurred prior to the scheduled lease maturity date. Under standard lease terms, a total loss terminates the lease as of the date of loss. Excess mileage charges apply only to standard lease-end turn-ins or voluntary terminations, not to total loss events. 

Despite this, Ally Financial has billed me for excess mileage charges after the total loss, without providing any contractual provision that authorizes such charges in a total loss scenario. I have requested clarification and documentation, but the charges remain. 

I believe this billing is inaccurate, misleading, and inconsistent with the lease agreement and standard industry practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLANDCREis falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCREis 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 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
BULL CITY is falsely reporting on my credit. I have never had any accounts with them. Per my research BULL CITY 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 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
Iam submitting this complaint against EASTERN ACCOUNT SYSTEM regarding their failure to comply with federal debt collection and credit reporting laws.EASTERN ACCOUNT SYSTEM is attempting to collect an alleged debt that I formally disputed. On XX/XX/year>, I sent EASTERN ACCOUNT SYSTEM a written request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Despite receipt of my request, EASTERN ACCOUNT SYSTEM failed to provide proper validation of the alleged debt. 
Instead of validating the debt, EASTERN ACCOUNT SYSTEM continued collection activity and continued to report and/or verify this account with consumer reporting agencies. This conduct violates the FDCPA, including but not limited to 1692g ( b ) ( continuing collection without validation ) and 1692e ( false, deceptive, or misleading representations ). It also violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, by furnishing inaccurate and unverified information to credit bureaus.

I sent a follow-up Notice of Violations providing EASTERN ACCOUNT SYSTEM a final opportunity to cure these violations.EASTERN ACCOUNT SYSTEM has still failed to provide legally sufficient validation or correct its reporting. 
As a result of EASTERN ACCOUNT SYSTEM actions, inaccurate information continues to appear on my credit reports, causing financial harm and emotional distress. 
I am requesting that EASTERN ACCOUNT SYSTEM Immediately cease all collection activity on this account Permanently delete the account from all consumer reporting agencies Provide written confirmation that the matter is closed I am requesting CFPB assistance to ensure EASTERN ACCOUNT SYSTEM complies with federal law and corrects the harm caused by its unlawful conduct. 
Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Recovery Solutions, LLC
State: MN

Complaint narrative:
The bureaus inc and asset recovery solutions llc are attempting to collect the same debt. This debt also appears on my credit report from XXXX  XXXX. 

While trying to resolve this account. Ive asked for verification of this debt. Who owns it and proof that I owe it. And have not been supplied anything. 
These practices are a violation of : FDCPA 807 false or misleading representations FDCPA 808 unfair or unconscionable collection FDCPA 809 failure to validate the debt properly FCRA inaccurate credit reporting ( if multiple tradelines exist )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: CT

Complaint narrative:
I am submitting this complaint regarding XXXX, my federal student loan servicer, due to repeated and conflicting information about a refund I was told I was approved to receive. 
On multiple occasions, XXXX representatives informed me that I was approved for a refund and confirmed my mailing address for payment. After this confirmation, I was later told that the approval was a mistake. Subsequently, I was told that the refund was pending approval from the Department of Education. On later calls, I was told instead that XXXX was waiting on its own internal process. Each time I contact XXXX, I receive a different explanation. 
To date, I have not received a clear, consistent answer regarding : Whether a refund has actually been approved Which entity is responsible for approving or issuing it What process is allegedly still pending When, if ever, I can expect a final determination The repeated changes in explanation and lack of clear documentation have made it impossible for me to understand my account status or rely on the information provided. This has caused unnecessary stress and has interfered with my ability to make informed financial decisions. 
I am requesting that XXXX be required to : Provide a written, accurate explanation of my refund eligibility and status Clarify whether the refund was ever approved and by whom Identify the exact reason for the conflicting information I was provided Resolve the issue promptly or provide a definitive determination

Company response to consumer: Untimely response
Consumer complaint received 2026-02-03 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: FL

Complaint narrative:
I received a Visa Gift Card ( Card ending in XXXX, valid through XX/XX/year> ) as a gift. The card directs users to prepaidgiftbalance.com for balance inquiries and registration. 

Upon attempting to use the card, it was declined at multiple merchants. When I attempted to check the balance on the official website provided on the card, the site failed to recognize the card or functioned in a continuous " loop. '' I then contacted the customer service number on the back of the card ( XXXX ). The representative stated they could not look up the card and refused to provide any assistance, balance information, or a path to resolution without a physical store receipt. 

As this was a gift, I do not have the receipt. The issuer is effectively withholding the funds by refusing to assist a cardholder who possesses the physical card and valid security information. There is significant public record ( on platforms like XXXX and the XXXX ) of this specific phone number and website being used to deny consumers access to their funds. 

I am requesting that the issuer ( U.S. Bank/InComm ) verify the funds on this card and provide a replacement card or a refund for the balance. It is a violation of consumer trust and potentially electronic fund transfer regulations to provide a non-functional support system for a financial product.

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 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: SD

Complaint narrative:
On XX/XX/year>, at approximately XXXX PM Mountain Time, I initiated a live chat with an NFCU agent to request a stop payment on a pending ACH debit from Prosper ( tied to account ending XXXX ). The agent stated that a standard stop payment could not be processed because it incurs a {$20.00} fee, and since the account lacked sufficient funds at that moment, they were unable to place it. 
The agent then explicitly advised that deactivating or using the OOPS option ( XXXX XXXX XXXX XXXX XXXX ) would prevent the pending ACH transaction from going through and would effectively stop the payment. Relying fully on this guidance from an official representative, I followed the agents instructions regarding OOPS. 

Upon checking my account on the morning of XX/XX/year>, I discovered that the pending ACH transaction had posted, resulting in an overdraft balance of approximately {$300.00} ( inclusive of any associated fees ). I immediately initiated another chat with a different NFCU agent, who acknowledged that the prior agent had provided incorrect information and expressed that they were sorry for the error. The second agent confirmed that the only action taken was to credit any OOPS-related feethe pending ACH was not prevented from posting as I had been assured impact - Because I acted in good faith based on the agents specific assurance that OOPS would block the pending transaction, my account is now overdrawn by roughly {$300.00}. 

This has triggered immediate financial hardship, and considerable emotional distress and frustration. I am working long hours under significant pressure, and discovering this situation right after a shift has compounded the burden, pushing me further into debt when accurate guidance could have prevented it entirely. 

I considered contacting a supervisor directly but chose to escalate this matter to the CFPB due to the pattern of agent errors I have encountered with NFCU and the need for swift resolution of the resulting financial harm. 

I will attached screenshots of the conversation.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lloyd & McDaniel, PLC
State: GA

Complaint narrative:
I am submitting this complaint regarding XXXXXXXX XXXX and the law firm XXXX XXXX XXXX concerning an alleged debt that has not been properly validated and is being inaccurately reported on my credit report. 

XXXXXXXX XXXX has stated that this account was sold or assigned to XXXX XXXX XXXX for collection. However, XXXX XXXX XXXX has confirmed in writing and verbally that, as of today, they have not received the account file or any documentation from XXXX XXXX, despite more than XXXX ( XXXX ) months having passed since the alleged transfer. 

As a result, no party has been able to provide competent evidence that this debt is valid, owed, or legally collectible by Lloyd & McDaniel.

This conduct violates multiple federal consumer protection laws : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ) and 1692g ( b ) A debt collector must provide validation of the debt upon request and must cease collection activities until proper verification is provided. Lloyd & McDaniel can not validate the debt and therefore lacks authority to collect.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers of information may not report information they know or have reasonable cause to believe is inaccurate. XXXXXXXX XXXX  continues to report this debt despite knowing the receiving party lacks documentation and proof of ownership. 

FCRA, 15 U.S.C. 1681s-2 ( b ) Once a dispute exists, furnishers are required to conduct a reasonable investigation and verify the accuracy of the information. Reporting an unverified debt fails the reasonable investigation standard. 

BecausXXXX XXXX XXXX  can not demonstrate that the debt has been properly transferred or validated, and Lloyd & McDaniel can not prove the debt exists or that they have the legal right to collect, the continued reporting of this account is inaccurate, misleading, and unlawful. 

I am requesting the following relief : Immediate deletion of the XXXXXXXX XXXX tradeline from all consumer reporting agencies Written confirmation that the alleged debt is unverified and unenforceable Cessation of any collection activity related to this account If XXXXXXXX XXXX or Lloyd & McDaniel can not produce admissible evidence proving the debt, its amount, and lawful ownership, this account must be removed from my credit file in accordance with federal law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Need to speak with human over phone XXXX was sold, need to do taxes, and want confirmation of XXXX for taxes

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