vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am submitting this complaint because the account listed above does not belong to me and was never opened, authorized, approved, or agreed to by me. I have never applied for this account, utilized it, or received any benefit from it. Despite previously notifying both the company and the consumer reporting agencies of this matter, the account continues to be reported on my credit file and is causing significant harm to my credit profile. Pursuant to the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i and 1681s-2, I am requesting that this inaccurate account be thoroughly investigated and permanently removed from my credit file if it can not be substantiated through valid, competent, and legally sufficient documentation. I further request that the furnisher immediately cease reporting this disputed information and take all necessary actions to ensure its complete removal from all consumer reporting agencies.

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 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Block, Inc.
State: GA

Complaint narrative:
I made a cash app account but it keeps saying error when I try to get the free card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
U.S. Bank states the XX/XX/year> XXXX payment was delivered to XXXX XXXX XXXX. However, XXXX XXXX XXXX issued a written letter stating that the deposit was never received for the account in question. U.S. Bank has provided only token information and has not provided XXXX trace records, XXXX network reference information, or proof of final settlement showing where the funds were ultimately credited.

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 2026-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
My Truck was reposed in XXXX when it was snow on the ground and i couldn't get out and work. I called Credit appectance to let them know that iwas gon na to be late on paying my truck note. it's like they look over that and came out and reposed my truck in the snow. Now the truck have been sold and it on my credit and now i need a vehicle but i can't get approve for one because thats stopping me.

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 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Received this in an email : Capitalone XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX CT XXXX, TX XXXX XXXX Account ending in XXXX editor : Capital One t Dear XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stop using this account immediately and destroy any cards and checks associated with it. XXXX : u should update any recurring payments being charged to this account, including gym membershi subscriptions to online streaming services, etc. You're still responsible for paying any remaining account balance and will continue to receive billing statements until the balance reaches XXXX. If you have questions, please call us anytime at XXXX. Sincerely, Capital One EQUAL CREDIT OPPORTUNITY ACT The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, XXXX, religion, national origin, XXXX, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers XXXX Capital One. Capital One is a federally registered service mark. XXXX : XXXX Not sure why my account is getting closed. It gets paid every XXXX weeks. In XXXX. XXXX payment restated it got returned however when I was chatting with my bank frost they stated nothing got returned from capital one. When I spoke to them they stated that my account was already restricted and I any information given to was under their control and they had a right to close the account at their discretion. Mind you, nobody allowed me to submit the chat from my bank that I had. Very upsetting. They owe me my {$200.00} deposit back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc.
State: MN

Complaint narrative:
On or about XX/XX/XXXX. I purchased a XXXX XXXX XXXX and entered into a financing agreement through the dealership and lender. The vehicle purchase price and financing terms resulted in a loan with a high interest rate, which significantly increased the total amount I am required to repay. After reviewing my loan documents and researching the vehicles market value, I became concerned that the vehicle may have been sold for substantially more than its actual value. As a result, I believe I am paying for a vehicle that was overpriced at the time of purchase while also being charged a high interest rate on the financed amount. Since the purchase, I have made payments as required under the loan agreement. However, the combination of the vehicles inflated price and the high interest rate has created a financial burden and has caused me to pay considerably more than I believe is reasonable for the vehicle. I have attempted to address these concerns by reviewing my financing options and seeking assistance regarding the loan terms. I am requesting that the dealership and lender review the transaction, including the vehicles sale price, financing terms, and interest rate, to determine whether adjustments can be made to provide a fair and reasonable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
When I initially opened my account, years ago, the minimum was {$500.00} to have in checking without accruing additional month fees, which I had in that account and kept there. I would check this account once a year if that to make sure it was active. Today, XX/XX/year> I was checking my checking account to deactivate it and move the money to another financial institution. This is when I learned the following : XXXX XXXX fee- {$10.00} deduction. XXXX XXXX fee- {$15.00} deduction. XXXX XXXX fee- {$15.00} deduction. XXXX XXXX fee- {$15.00} deduction. XXXX XXXX fee- {$15.00} deduction. XXXX XXXX fee- {$15.00} deduction. XXXX XXXX fee- {$15.00} deduction. XXXX taken from me by Wells Fargo without my knowledge is {$100.00}. I have {$440.00} currently in my Wells Fargo checking account minus the {$100.00} that is owed to me. I tried to resolve the issue with a " higher-tiered '' manager and they said they can issue me back XXXX ( XXXX ) fees or " waive '' them in other words. I told them " No '', I want the full {$100.00} I am owed that Wells Fargo owed me. The representative XXXX " Something '' XXXX ( he was unwilling to give me a badge number ) advised me is the " only XXXX in the office to handle this and can not transfer me ''. After a while of heated discussions he said he would finally escalate and it would take XXXX ( XXXX ) days. This " higher-tiered '' manager XXXX, tried to tell me that since I have online banking it was my responsibility to check announcements. I did not check my announcements and was unaware of the change. I would think and hope that a minimum requirement in a checking account from {$500.00} to {$1500.00} would be something more urgent and I would need to sign something. I had no idea and feel cheated and my hard earned money was stolen from me by Wells Fargo.

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 2026-06-11 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 2026-06-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
I am disputing the XXXX XXXX/TSI collection account because the validation documents provided contain information that is not associated with me. The documents include addresses, contact information, and other identifying information that I do not recognize and have never used. I do not believe the information provided sufficiently establishes that I am the individual responsible for this account. Despite my disputes, the account continues to be reported. I am requesting a thorough investigation into the accuracy of the information being reported and the documents being relied upon for verification. If the account can not be fully verified as belonging to me, I request that it be removed from my credit reports. I am also requesting disclosure of the method of verification and an explanation of how the disputed information was matched to my credit file.I am disputing the accuracy of the XXXXXXXX XXXX/TSI account being reported on my credit file. The documents provided contain addresses, contact information, and identifying information that I do not recognize and have never used. I have serious concerns that my identity may have been used without my authorization or that inaccurate information has been associated with my credit file. Despite my disputes, the account continues to be reported and verified. I do not believe a reasonable investigation has been conducted because the disputed information remains on my credit report even though I have challenged the accuracy of the information being used to identify me as the responsible party. I am requesting documentation showing exactly how this account was matched to my credit file, including the records relied upon to verify ownership of the account. I also request an explanation for the addresses and identifying information contained within the records that I dispute. If the account and all associated information can not be fully verified as accurate and belonging to me, I request that the account be permanently deleted from all consumer reporting agencies. I am further requesting that any inaccurate personal information associated with this account be corrected or removed and that the furnisher and credit reporting agencies comply with their obligations under the Fair Credit Reporting Act to ensure maximum possible accuracy of the information reported about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I initially borrowed XXXX. My daughter attended 2 partial semesters at XXXX. The interest after covid deferrnent and other deferments have balooned tXXXX XXXX XXXX. Its excessive and I not a reasonable amount given the initial amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
Subject : Complaint Against Aidvantage : Failure to Apply Scheduled Payment Increases Extended Graduated Repayment Plan To the Consumer Financial Protection Bureau, I am submitting this complaint against my federal student loan servicer, Aidvantage, for failure to apply scheduled payment increases under my Extended Graduated Repayment Plan, resulting in significant excess interest accrual over approximately XXXX years. ACCOUNT BACKGROUND I am enrolled in the Extended Graduated Repayment Plan, with an enrollment start date of XX/XX/XXXX as confirmed by studentaid.gov. My current total balance is {$73000.00}. Aidvantage has been my servicer for the full duration of my repayment. NATURE OF THE COMPLAINT The Extended Graduated Repayment Plan requires that monthly payments increase every XXXX years. Based on my enrollment date of XX/XX/XXXX, increases should have been applied in approximately XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My monthly payment has remained flat at {$380.00} for the entire duration of repayment no increases have ever been applied. This is directly contradicted by studentaid.gov, which currently shows my monthly payment should be {$750.00}, representing a discrepancy of {$370.00} per month. As a result of Aidvantage 's failure to apply these scheduled increases, each month 's shortfall between what I was billed ( {$380.00} ) and what I should have been billed went toward accruing interest rather than reducing my principal. This error has compounded over approximately XXXX years, and my current balance is substantially higher than it would have been had the correct payment schedule been applied. ADDITIONAL CONCERNS When I attempted to investigate this issue, I found that my Aidvantage online portal displays no documents older than XXXX, making it impossible for me to independently verify my repayment history or locate my original plan enrollment confirmation. I have submitted a separate written request to Aidvantage for all account records and enrollment documentation. REQUESTED RELIEF I am requesting that the CFPB : 1. Forward this complaint to Aidvantage and require a formal written response 2. Direct Aidvantage to conduct a full audit of my payment history since XX/XX/XXXX 3. Require Aidvantage to calculate the difference between my actual balance and what my balance would have been had the correct graduated payment schedule been applied 4. Direct Aidvantage to correct my balance to reflect that difference, crediting the excess interest that accrued due to their error 5. Require Aidvantage to produce all enrollment and repayment schedule documentation from my account history Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I purchased an item on XXXX for {$280.00} but the item was never received. The item was reported by the merchant as delivered on XX/XX/year> by XXXX. However, when I provided the tracking number to XXXX I was advised that the item was neither addressed or delivered to me. I immediately filed a dispute with XXXX and PayPal and upon receiving an official letter from XXXX stating that the package was neither addressed or shipped to me I forwarded said letter to PayPal Credit card via fax on XX/XX/year>. PayPal notified me that they were investigating my claim, but then denied the claim with no explanation. When I called they advised that the merchant provided a tracking number showing it's delivery. When I advised them about the letter from XXXX it was purported that it was overlooked and the investigation was reopened on XX/XX/year>. On XX/XX/year>, I followed up with PayPal and was advised that the dispute had been closed and they could no longer find any of the files associated with my claim. When I reviewed my statement it showed that the XXXX balance and been closed out and a new PayPal purchase charge for {$280.00} was added. It seems that PayPal failed to conduct a proper initial investigation and now wants me to hold me responsible for the transaction.

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 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I was traveling to XXXX to fly out on vacation ( from XXXX ) I got XXXX this morning and everything was fine and then I went to get lunch and both my account cards got declined. I then soon called Chase and they said your account has been closed and you we cant say why and we mail out a cheque. They then said if you got to a branch you might be able to get funds right away. I then went to XXXX different branches in XXXX which both said if they had their XXXX in they would withdraw them for me. Then I went to a XXXX branch that did have a manger in and he refused to withdraw my funds or anything like that. All in the mean time I missed my flight and absolutely stranded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Dave Operating, LLC
State: KY

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also XXXXXXXX XXXX in overdraft fees

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Equifax XXXX XXXX appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. XXXXXXXX XXXX XXXXXXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$1200.00} XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$1200.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1200.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$2800.00} All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am submitting this complaint regarding the closure of my Capital One credit card account due to alleged inactivity without meaningful notice or an opportunity to prevent closure. My account was in good standing with no delinquency issues. I recently learned that Capital One permanently closed the account for inactivity. Upon contacting customer service immediately after receiving notice, I was informed that the account could not be reinstated under any circumstances. Capital One representatives stated that a letter had allegedly been mailed prior to closure. However, I never received any such notice before the account was permanently closed. Had I received actual notice, I would have immediately used the account to maintain activity and prevent closure. I believe it is unreasonable for a long-standing account in good standing to be permanently closed without ensuring that meaningful notice was actually received, especially when the closure can negatively impact a consumers credit profile, available credit, and utilization ratio. I am requesting that Capital One : Review this account closure for possible reinstatement or reconsideration ; Provide documentation regarding when and where the alleged notice was sent ; Explain why no electronic notice, email, or other direct communication was provided before permanent closure ; and Consider an accommodation for a customer with an otherwise positive account history. While I understand issuers may reserve the right to close inactive accounts, consumers should receive clear and effective notice with a reasonable opportunity to avoid permanent closure. Thank you for your review of this matter. XXXX XXXX

Company response to consumer: Closed with explanation