vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding an auto purchase that was canceled, but is still being reported on my credit, causing significant hardship. On the evening of Saturday, XX/XX/XXXX, I purchased a XXXX XXXX XXXX ( VIN : XXXX ) from XXXX also partnered and finances throughout Bridgecrest Acceptance Corporation located at XXXX XXXX XXXX XXXX, XXXX, Arizona XXXX. The very next morning, Sunday, XX/XX/XXXX, at approximately XXXX XXXX, the vehicles starter failed, leaving me and my daughter stranded. I had to arrange and pay for transportation via XXXX to return home. I attempted to contact the dealership and the service platforms provided, but all were closed at that time. On Monday, XX/XX/XXXX, I had to again rely on XXXX transportation to get to work. I was informed that I would need to tow the vehicle to a mechanic for repairs. At that point, I inquired about returning the vehicle due to the immediate mechanical failure. I then had the vehicle towed back to the dealership and formally returned it on XX/XX/XXXX. Since then : * The dealership has taken possession of the vehicle * I signed all cancellation of contract documents with the onsite dealership manager * I have received a full refund of my down payment * My towing fees have been reimbursed Despite this, the auto loan/account is still being reported on all three credit bureaus. I was advised that it may remain on my credit for up to XXXX months. This is unacceptable, as I no longer possess the vehicle and the contract has been fully canceled. This inaccurate reporting is severely impacting my ability to obtain reliable transportation, as it is preventing me from being approved for another vehicle and negatively affecting my credit profile. I am formally requesting that this account be removed immediately from all credit reporting agencies, as it does not reflect an active or valid obligation. Please investigate this matter and assist in correcting this issue as soon as possible. Thank you for your time and assistance. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AL

Complaint narrative:
I am disputing a debt of approximately {$9000.00} that is currently being reported on my credit report by Genesis related to a previous apartment lease. I believe the debt is inaccurate and has not been properly validated. I previously disputed this account with the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ). The account was marked as verified after those disputes, but I was not provided any documentation showing how the debt was validated or how the amount of approximately {$9000.00} was calculated. Because the account continued to be reported, I sent a written dispute and request for debt validation directly to Genesis via certified mail, requesting verification of the alleged debt and documentation supporting the amount being reported. According to USPS tracking, the letter was delivered on XX/XX/year>. As of the date of this complaint, Genesis has not responded to my validation request and has not provided any documentation verifying the alleged {$9000.00} debt. Despite this, the account continues to be reported on my credit reports. I believe the continued reporting of this account without proper validation may violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), which require that disputed information be properly investigated and that debt collectors provide verification of debts when requested. Additionally, two other tenants associated with the same alleged apartment debt successfully disputed the account and had it removed from their credit reports, while my dispute was not corrected. This raises concerns about the accuracy and consistency of how this account is being reported and verified. The continued reporting of this unverified {$9000.00} debt has negatively impacted my ability to secure housing. I am requesting that Genesis either provide proper documentation validating the alleged debt and the amount being reported or remove the account from my credit reports with XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I am a customer of USAA ( Auto Loan Account : XXXX XXXX ). USAA is actively violating the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). Let me be absolutely clear so there is no confusion : I was paying this bill on time and in perfect compliance. My account was flawless. But when my vehicle catastrophically broke down and remained incapacitated for 34 days, I started utilizing the law. If I simply stopped paying my bill without legal justification, USAA would repossess my car. There would be no hard feelingsits just business. Conversely, when the vehicle is statutorily defective and the FTC Holder in Due Course Rule ( 16 C.F.R. 433 ) dictates that I am legally permitted to withhold payment against a defective asset, USAA must respect that boundary. There should be no hard feelingsI am simply following the letter of the law, and USAA is obligated to do the same. I want to make it absolutely clear exactly who USAA is automating their systems against. As a military veteran, USAA 's brand is supposed to represent me. In XXXX, while XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I stood toe-to-toe against the United States Government in a military court regarding a false charge. I knew the legal landscape and I had exculpatory evidence. I laid out the facts, I did not yield, and I won. I am not a risk-taker. I do not engage in legal battles unless I possess the absolute, undeniable truth on my side and know with 100 % certainty that I will win. The harder the government pushed down on me, the worse they looked. USAA is currently making that exact same mistake. USAA is fully aware of this. I have warned them several times. A representative from the USAA compliance team verbally acknowledged receipt of my dispute on a recorded phone line at the CEO level. Yet, even after this documented corporate acknowledgment, USAA is maliciously continuing to run their automated billing system against my credit profile. As proven by the attached screenshot, the USAA mobile application is willfully, erroneously reflecting a past-due balance of {$520.00}. This is the highest level of violation. USAA knows this asset is legally toxic and under active federal protections, yet they are classifying this account as " past due '' anyway to coerce payment.

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 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I received a {$500.00} XXXX from an acquaintance on XX/XX/year>. There was a comment right after saying it was an accident, as well as a request back for the {$500.00}. Thinking it was an accident, I sent {$500.00} back from my XXXX balance. Today, XX/XX/XXXX, I opened my XXXX to see my {$350.00} in my account depleted, as well as a - {$150.00} balance and a frozen account. I called the acquaintance and she notified me her account was hacked. I called XXXX and they told me the bank disputed the charge and theres nothing they can do. At this point, Im locked out of my XXXX, and they have taken {$350.00} from me, and are requesting an additional {$150.00}. They told me to contact my bank, but my bank wasnt involved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
From at least XX/XX/year> - Present, they have failed to provide statements in violation of the Truth in Lending Act ( Regulation Z ) and the CARD Act. I notified them multiple times, countless phone calls and visits to their branches. They claimed I had a balance due and charged late fees, penalties, interest, and reported late payments to the credit bureaus, tanking my credit. They refused to accept my payments at the branch on multiple occasions, after they had me wait over XXXX hours to only deny my payment, I sent a check to overpay balance but they still failed to send statements or an accounting for my overpayment. They've sent numerous letters admitting their error and claiming to have credited any interest, late fees, and penalties but I never received a refund and can't confirm since they refuse to provide statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
* * CFPB Complaint Inaccurate Debt Collection & Credit Reporting * * I am filing this complaint regarding an inaccurate and disputed debt being reported and collected by Credence Resource Management , LLC, related to a XXXX account. I opened a mobile service account with XXXX under the understanding and agreement that my monthly bill, including service and device payments, would be a specific fixed amount. However, over time, my monthly bill increased without proper explanation, authorization, or justification. I made multiple attempts to resolve these billing discrepancies directly with XXXX, but the issue was never properly investigated or corrected. Despite my efforts, the inaccurate balance was sent to collections. Credence Resource Management is now attempting to collect on this disputed and inaccurate debt and has reported it to the credit bureaus, which has negatively impacted my credit score. I formally dispute the validity and accuracy of this debt. I have requested validation from the collection agency, but in the meantime, this account continues to damage my credit profile. This situation raises serious concerns, including : * Failure to properly investigate billing disputes by the original creditor ( XXXX ) * Attempting to collect on a debt that is inaccurate and disputed * Reporting potentially inaccurate information to credit reporting agencies I am requesting the following resolution : * A full investigation into the accuracy of this account * Validation of the debt, including a complete breakdown of charges and proof of authorization for all amounts claimed * Immediate removal of this account from all credit reporting agencies if it can not be properly verified * Cessation of all collection activity until the debt is validated This situation has caused financial harm due to the negative impact on my credit score. I am seeking a prompt and fair resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I expect a timely response and resolution to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Halsted Financial Services , LLC XXXX XXXX XXXX XXXX XXXX, IL XXXX Re : Formal Dispute and Demand for Validation Alleged Account Ref : XXXX Original Creditor : XXXX XXXX ( XXXX XXXX ) Account Ending : XXXX Claimed Current Creditor : XXXX XXXX XXXX Amount : {$450.00} To Whom It May Concern : This correspondence constitutes a formal dispute of the above-referenced alleged debt and a demand for validation pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, and the Fair Credit Reporting Act. I dispute the validity of this alleged obligation in its entirety, including the existence, amount, and your legal authority to collect. Pursuant to 1692g ( b ), you are required to cease all collection activity until you have provided proper validation. Accordingly, you are hereby directed to provide competent evidence bearing my signature and/or documentation sufficient to establish that I have a legal obligation to pay the alleged debt. At a minimum, provide the following : 1. Complete chain of title/assignment Documentation evidencing each transfer of this specific account from XXXX XXXX through any intermediate entities to XXXX XXXX XXXX XXXX including account-level identifiers linking the alleged debt to me. XXXX. Original agreement and full account history The original signed credit agreement and a complete, itemized transactional history from account origination through charge-off, including all payments, fees, and interest. XXXX. Balance calculation A detailed accounting of the claimed {$450.00}, including : Charge-off balance Post-charge-off interest/fees ( if any ) Method and authority for any such additions 4. Collection authority and licensing Proof that Halsted Financial Services , LLC is authorized and properly licensed to collect debts in Louisiana, including registration and bonding where required. Be advised : Because this account is not currently reporting on my consumer reports, any attempt to furnish this account to a consumer reporting agency without first providing validation will constitute a willful violation of the FCRA. If you have already furnished or later furnish this account, you must also provide the method of verification as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). If you are unable to provide the requested documentation, you must : Immediately cease collection efforts, and Refrain from any credit reporting related to this account. Any continued collection activity without compliance with 1692g ( b ), including calls, letters, or credit reporting, will be documented as evidence of violations and may result in legal action. This is a dispute of the entire alleged obligation. All rights are reserved. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES
State: VA

Complaint narrative:
I have been attempting to make payments toward a Consent Judgment Agreement handled by Zwicker & Associates on behalf of a major credit card issuer. The agreement requires monthly payments, and I have been making them as scheduled. Recently, the online payment portal stopped accepting my File ID and displayed an error stating that the file ID is invalid or that the account can not access the portal. I contacted the firm multiple times by phone and left several messages requesting assistance, but I have not received any response. Because the portal is inaccessible and the firm has not returned my calls, I can not verify my payment status, confirm that my payments are being properly credited, or obtain updated balance information. I also can not determine whether the account is restricted or whether the firm has changed the File ID or payment process. I am trying to remain compliant with the courtapproved payment schedule, but the lack of communication and inability to access my account create uncertainty and risk. I am requesting that the company provide written confirmation of all payments received, the current remaining balance, and clear instructions for how I am supposed to continue making payments. I am also requesting that they restore online access or provide an alternative secure electronic payment method.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
I am submitting this complaint to request assistance regarding my mortgage account and the negative reporting that resulted from a recent financial hardship. Due to an unexpected loss of employment, I experienced significant financial difficulty. I made multiple attempts to contact my mortgage servicer to seek guidance and explore available hardship or loss mitigation options. Unfortunately, I was not initially provided with clear direction or assistance on how to proceed during this time. As a result, my account was reported with 30-day and 60-day late payments to the major credit bureaus, including XXXX, XXXX, and XXXX XXXX These negative marks have significantly impacted my credit profile and have prevented me from refinancing my home and making necessary financial adjustments, including changes to my current obligations. After several additional attempts to contact the servicer, I was eventually able to speak with a representative, and my account has since been placed into a hardship assistance program. However, by that time, the negative reporting had already occurred and has affected all parties associated with the account. Given that I made good-faith efforts to seek assistance and resolve the situation, I respectfully request a review of my account and the reporting of these late payments. I am asking for consideration of a goodwill adjustment or removal of the negative marks from all three credit bureaus due to the circumstances and the lack of timely guidance provided. I would also appreciate any additional assistance or guidance on how to move forward and stabilize my financial situation. Thank you for your time and attention to this matter. I look forward to your response and a fair resolution. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL

Complaint narrative:
I am disputing a deferred interest charge of approximately {$5000.00} applied to my account on XX/XX/XXXX. I have maintained a perfect payment history and had Automatic Payments established to ensure this loan was handled responsibly. However, Synchronys automated system is designed to only draw the minimum payment and does not adjust to satisfy a promotional balance by the expiration date. Furthermore, Synchrony disincentivizes physical statements by charging a {$1.00} monthly fee for paper bills. This forced me into a paperless environment where I did not receive a physical, high-visibility notice of the XX/XX/XXXX expiration date. Between a misleading autopay system and a lack of physical disclosures, I missed the payoff window by only 33 business days. Charging {$5000.00} in retroactive interestan amount that exceeds my remaining principal of $ XXXX predatory and unconscionable for a minor timing error. This loan/ card whatever it should be labeled as was for a water system through XXXX XXXX the card was for XXXX to help us finance the remaining balance from XXXX. We refuse to use synchrony ever again, nor support any businesses that are associated.

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 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have been unable to add funds to my XXXX account since XX/XX/year>. Every attempt to add money is declined. I have contacted customer support multiple times and have only received repeated instructions to try again later, which has not resolved the issue after more than 10 days. In my most recent interaction, support confirmed that my transactions are being declined by XXXX automated risk-scoring system. However, I have not been provided any path to resolution, offered a manual review, or given clear guidance on how to restore normal account functionality. This issue is ongoing and prevents me from using a core feature of the service. Despite repeated outreach, no meaningful action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I dispute the 30-day late payment reported on AFFIRM INC account XXXXXXXX XXXX XXXX XXXX XXXX This account is paid and closed with a {$0.00} balance. Please verify the exact due date, payment date, billing cycle, and records proving the account was legally 30 days late. If the late notation can not be verified with complete records, delete the late payment under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I sent a request to this credit card company to to provide me a form 1099-C form for this account. I have viewed my credit reports on ( XXXX XXXX XXXX XXXX ) and it shows that is credit card company is reporting this account as changed off account. A Changed Off - is when a creditor cancels or forgives a debt of {$600.00} or more and no longer believes a borrower will repay, several months of missed payments and writes off the unpaid debt as a loss. When this happens this is considered taxable income. Taxable income needed to be reported to the IRS. Not reporting Taxable Income can result in potential tax implications! I asked this credit card company to issue a form 1099-C and they failed to provide it and ignored my request! I contacted the IRS and they informed me that no 1099-c was issued but this credit card company is still reporting this account as changed off! This is considered fraud and I just wanted to be given my taxable document and for my credit report to be updated with the correct information!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im officially submitting this complaint because my credit report shows late payments that are not accurate. These entries dont reflect my real payment history and are unfairly hurting my credit. I need these incorrect remarks investigated and removed right away.

Company response to consumer: Closed with non-monetary relief