vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX, I initiated a bank-to-bank transfer from one of my accounts ( Capital One ) to the other ( XXXX XXXX XXXX XXXX due to Capital One card issues with merchants not accepting the XXXX change that Capital One recently made with debit cards. 

Prior to me initiating the transfer, XXXX, the online service used to send money transfers, advised that the money would be available instantly. Once initiated, I was advised that the money would likely be available within 1-3 business days, with a possible fund release date of XX/XX/XXXX. Once I was made aware of this, I knew this would be an issue because I had bills that were due. I attempted to stop the transfer. I was advised that stopping the transfer initiation, which had NOT been deposited into the other account, would also take 1-3 business days. After calling Capital One, XXXX, and XXXX XXXX XXXXXXXX, I decided to allow the money to transfer in hopes that it would resolve itself sooner rather than later. Yesterday, XX/XX/XXXX, I logged in to check the status of the transfer, and another day was added to the estimate, making the date now XX/XX/XXXX. 

This is absolutely unacceptable. This will cause me to owe late fees for rent as well as other bills that I have due. This is placing unnecessary stress and hardship on my family and I. 

It should also be noted that both accounts belong to me. I have been using XXXX through Capital One for YEARS. I asked if I could verify any and all information, as I know that I can in order to have the funds released, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Issues with financial aid services
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
All I got was loans XXXX  and XXXX  XXXX XXXX XXXX XXXX XXXX or Navient

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Though my employer processed payroll early to make sure we get paid before the holidays, Capital One Bank chose to hold my deposit until the day after the holiday and I dont think thats something they should be able to do and they have no reason to do it. This is the first time it has happened to me but I am finding out this has been happening to a lot of people throughout this year. Them doing that really affects people.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One bank for the second consecutive New Years has failed to process my direct deposit of salary. ( XX/XX/year> ) This leaves my family unable to get groceries and pay bills that were due today. This happened last year on a scale that made the national news. This is an unacceptable delay, especially during the holiday season, and has left my family distressed. My payroll department indicates that the funds were sent to Capital One. So, Capital One is essentially holding my paycheck hostage. To reiterate : this has left my family unable to buy groceries or pay bills that were due today and is completely unacceptable.

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

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 2026-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to formally assert that this complaint is legitimate and requires immediate attention. My credit report includes inaccurate information that does not adhere to the mandated standard of maximum possible accuracy. These inaccuracies are causing significant and persistent adverse effects on my personal and financial well-being. I demand a comprehensive investigation of these errors, followed by their prompt correction or deletion. Addressing this matter is not merely advisableit is essential.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sunbit, Inc.
State: FL

Complaint narrative:
I used Sunbit to finance a vehicle service at XXXX XXXX XXXX XXXX XXXX XXXX. My first payment was made on XX/XX/XXXX, and I paid the loan in full on XX/XX/XXXX. 

Despite the payoff, Sunbit continued initiating withdrawals from my XXXX  XXXX XXXX checking account beginning in XX/XX/XXXX. I was charged again in XX/XX/XXXX. 

In XX/XX/XXXX, I disputed a Sunbit charge with XXXX  XXXX XXXX. The bank investigated and issued permanent credit, confirming the charge was unauthorized. 

Despite this outcome, Sunbit initiated a new withdrawal on XX/XX/XXXX. This withdrawal occurred after authorization was revoked and after the dispute was resolved. 

My bank issued a new debit card and attempted transaction blocks, indicating these withdrawals are ACH-based. 

During the original approval process, the dealership used my parents Social Security numbers to obtain approval, raising serious concerns regarding borrower identity and authorization. 
I am requesting that Sunbit immediately stop all withdrawals, provide written confirmation that the account is closed with a zero balance, and clarify the legal borrower ( s ) on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: CO

Complaint narrative:
XXXX XXXX XXXX Bought an old XXXX  debt from XXXX  and threatened to put it on my credit report ( which they have done ) for a debt amount that is incorrect. The original creditor was XXXX ( which is no longer around ) and the debt was well over 7 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. 

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper 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 2026-01-01 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/XXXX, I purchased furnitures at XXXX XXXX  ( ~ {$3000.00} ) and was offered a 0 % interest financing promotion through a Synchrony Bank credit card. At the point of sale, the sales representative emphasized the 0 % interest and did not mention at all this was a 'deferred interest ' product which subjects to retroactive interests. The material terms and consequences of deferred interest were not clearly disclosed at the time of purchase, leading me to believe this was a standard 0 % APR offer. 

I acted in good faith by enrolled in autopay and paperless statements and made regular payments religiously. During the critical expiration period in late XXXX, I was traveling internationally for a medical procedure and reasonably relied on autopay and paperless billing to manage my payments. I did not receive any clear, prominent, separate notices or alerts indicating that the promotional period was about to expire or that immediate action was required to avoid retroactive interest. 

Due to the lack of adequate and conspicuous notification from Synchrony regarding the promotions expiration and the deceptive account structure, on the statement closing XX/XX/XXXX ( see attached ), Synchrony applied a massive retroactive Interest Charge of {$1700.00}. This punitive charge caused my balance to double from {$1700.00} to {$3500.00} overnight. 

On XX/XX/XXXX, I contacted Synchrony to resolve this, offering to pay the original principal balance in full immediately. Not only was my request for a waiver denied, but immediately following my call, my online account access was revoked. I now receive a " Closed or Blocked '' error ( see attached ), preventing me from accessing statements or verifying my account history. This appears to be a retaliatory action that hinders my ability to dispute these unfair charges. 

Retroactively charging substantial interest under these circumstances where a consumer reasonably relied on autopay, received no clear expiration notice, and was managing a medical matter, constitutes an unfair and misleading practice.

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 monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Levy & Associates, LLC
State: VA

Complaint narrative:
Went to court was told date was move to another day then the company lied and went and never notified me of the new dates and got a judgement for a disputed debt I was never notified of the new case date I was told the case was dismissed. Then get notification from employer about a garnishment never even notified about it. 
I disputed the debt and the company never supplied me with any origination about the debt or a validation of the debt as requestwd they pursued a charged off closed account XXXX XXXX sold faulty merchandise and when complied about it they never would return it and never fix it and I had to go and buy a new one to have something working and it has a XXXX year warranty and it was that they installed it wrong and it got damaged by XXXX XXXX. Never worked right.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FinCo Services Inc DBA Current
State: VA

Complaint narrative:
On XX/XX/year>, I filed multiple dispute claims with Current regarding transactions made using my general-purpose prepaid card for digital services provided by merchants operating under the names XXXX XXXX and XXXX XXXX. The disputed amounts include transactions totaling approximately {$1300.00} and {$2900.00}, among others. 
These transactions were authorized based on representations that the application provided legitimate gameplay and the ability to withdraw funds or winnings. However, after funds were charged, the application failed to deliver usable or redeemable services. Withdrawals were restricted by undisclosed minimum thresholds, most funds were locked as bonus or virtual credits, and only a small fraction of funds became withdrawable. The application also limited transaction history visibility and did not provide effective customer support. 
I responded to all documentation requests from Current between XX/XX/XXXX and XX/XX/XXXX and submitted screenshots demonstrating failed or restricted withdrawals, minimum withdrawal requirements, bonus cash restrictions, and limited transaction history. Despite this, Current denied the disputes, stating the services were delivered, without addressing the material misrepresentation or the fact that funds were inaccessible in a usable or redeemable form. 
I requested further explanation and documentation regarding the basis for the denial and how my submitted evidence was evaluated. Current did not provide a meaningful explanation or copies of the documentation relied upon and issued a final decision against the claims. 
I am submitting this complaint because the card issuer failed to properly investigate and resolve a merchant dispute involving services that were not delivered as represented, despite timely responses and supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
This complaint is regarding the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX account with New York Community Bank. I have tried reaching out to this bank numerous times, but unsuccessful telephone no longer active. I have tried to contact other branches the same response telephones are no longer active

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 2026-01-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
This debt ir reporting inaccurate information to my credit 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 2026-01-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal credit union just sent a letter I will be paying additional principal of XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I have a Wells Fargo credit card. This is not intentional. I know they have been found guilty ( usually without having to admit guilt ) of consumer fraud on multiple occasions and I'd prefer to have nothing to do with them. Unfortunately no part of the sign-up process identified the card as serviced by Wells Fargo . If they had I would not have signed up. The only reason I use it is because I get a discount on hotel rooms when I do.

This is something that has happened at least twice to me. They keeps doing something that causes passwords to change or otherwise get rejected. When you attempt to reset the password, it says it can't find information to verify the account ( despite me giving it my social security number, card number, and date of birth ), so I've had to call. Previously, the first person I talked to said they reset the password, but it still didn't work. I didn't have time to call them again until to the due date, when I had to go through multiple levels of people telling me they could not change my password before finally getting to someone who could. By the time I got into the account, it was past midnight and they charged me a late fee. Today it happened again and they told me they can't escalate the call because it's a holiday. 

Given the company 's track record and the fact that I know for sure that the login information I'm using was correct last month and has not been changed by me, I believe they are intentionally breaking the login credentials on user accounts and making them impossible to recover so they can delay payments until after the due date.

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 monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Company has not provided Proof that Portfolio Recovery Associates has legal ownership of this debt. Documentation showing the complete chain of assignment from the original creditor. A copy of the original agreement or contract bearing my signature. The arbitration agreement tied to the original account. A complete breakdown of the amount claimed. Proof that this account was properly validated prior to being reported to any credit bureau. According to acceptance by the fair credit collections law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: NY

Complaint narrative:
The loan was paid off on XX/XX/XXXX. I received the title with no XXXX holder listed on the title. I went to sell the vehicle to XXXX in XXXXXXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX, and to my surprise, XXXX XXXX ( the lienholder ) NEVER released the XXXX. XXXX gave me a written offer for {$3200.00} for my vehicle, but they can not take it in because XXXX XXXX NEVER released the XXXX. The title on XXXXXXXX XXXX  computer showed the XXXX was still open on the title, so I can not sell, trade, or do anything with the vehicle ( XXXX XXXX XXXX ) that I paid off in XXXX. The loan number with XXXX XXXX is XXXXXXXX XXXX XXXXXXXX. 

I contacted XXXX XXXX and XX/XX/XXXX and after talking to XXXX people with the company, I finally got XXXX on the phone ( around XXXX XXXX  ). I was told all XXXX XXXX can do is send me a XXXX release letter that would be generated in XXXX to XXXX business days. The XXXX offer expires on XXXX, XX/XX/XXXX. 

I then wrote a formal complaint to XXXX XXXX through logging into my account. I was then told that not only will XXXX XXXX spend XXXX to XXXX business days generating a lien release letter for me, but then I would need to request a duplicate XXXX release letter for the XXXX XXXX XXXXXXXX and it will be up to the XXXX on their timeframe in order to release the XXXX, from XXXX. I then filed another complaint with XXXX XXXX and attached a .pdf from the XXXX  XXXX XXXX informing XXXX XXXX XXXX they have broken the law. By XXXX XXXX XXXXXXXX law a lienholder is required to have the XXXX released " IMMEDIATELY '' when the loan is paid off ( not XXXX years and almost a XXXX  afterwards ). I asked XXXX XXXX to escalate this issue to a XXXX and send it up the chain of command. 

I have also asked XXXX XXXX to email me a lien release letter IMMEDIATELY. There has to be someone at their company who can generate a lien release letter and email it to me as an attachment. 

Please help, as I am getting the run-around with XXXX XXXX and dealing with their " customer service '' nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

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 2026-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with explanation