vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Penn Credit Corporation
State: MD

Complaint narrative:
Upon receipt of the notice for payment, I communicated with XXXX XXXX XXXX XXXX over my concern for the integrity of their system. I objected according to the Fair Credit Reporting Act, ( FCRA ), 15 U.S.C. 1681 et seq. To protect my good name and reputation, I shared with the County at the time that the law also includes the amendments to the FCRA outlined in the Consumer Credit Reporting Reform Act of 1996 ( Public Law 104-208, the Omnibus Consolidated Appropriations Act for Fiscal Year 1997, Title II, Subtitle D, Chapter 1 ), Section 311 of the Intelligence Authorization for Fiscal Year 1998 ( Public Law 105-107 ), the Consumer Reporting Employment Clarification Act of 1998 ( Public Law 105-347 ), Section 506 of the Gramm- Leach-Bliley Act ( Public Law 106-102 ), Sections 358 ( g ) and 505 ( c ) of the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 ( USA PATRIOT Act ) ( Public Law 107-56 ), the Fair and Accurate Credit Transactions Act of 2003 ( FACT Act ) ( Public Law 108-159 ), Section 719 of the Financial Services Regulatory Relief Act of 2006 ( Public Law 109-351 ), Section 743 ( Div. D, Title VII ) of the Consolidated Appropriations Act of 2008 ( Public Law 110-161 ), the Credit and Debit Card Receipt Clarification Act of 2007 ( Public Law 110-241 ), and Sections 205 and 302 of the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act of 2009 ( Public Law 111-24 ), the Consumer Financial Protection Act of 2010 ( CFPA ) ( Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Public Law 111-203 ), and the Red Flag Program Clarification Act of 2010 ( Public Law 111-203 ), and Sections 301, 302, and 602 of the Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115-174 ). In addition, according to Maryland Commercial Code 14-3501 - Enacted in 2007, Marylands data breach notification law requires entities that own or license computerized personal information relating to Marylan d residents to notify affected individuals of unauthorized acquisition of their unencrypted and unredacted personal information if an investigation determines there is a reasonable likelihood of the personal information being misused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I deposited a check issued by a law firm related to a legal settlement into my Capital One account via ATM on XX/XX/year> for {$12000.00}. The check has been processed and is reflected in my current balance, but the funds remain unavailable due to a hold. The issuing law firm has confirmed that the check cleared on their end on XX/XX/XXXX. However, Capital One has stated that the only way to release the funds is for the law firm to verify the check by phone. The law firm has a policy prohibiting verification of checks due to fraud and confidentiality concerns, and has confirmed to me multiple times that they will not make an exception for my situation. As a result, Capital One will not release the funds without verification, the issuing party will not provide verification, and Capital One has refused to return the check so that I can deposit it elsewhere. This creates a situation where my funds are effectively being held indefinitely with no viable path to resolution. I have already attempted to resolve this by contacting Capital One customer service ( on XX/XX/XXXX ), visiting a Capital One Cafe, where staff contacted internal departments ( on XX/XX/XXXX ), and contacting the issuing law firm ( multiple times through both phone and email since XX/XX/XXXX ). Despite this, I have not been provided with an alternative method to release the funds, a clear hold expiration date, or the option to have the check returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was a victim of identity theft for the past XXXX years. My account has been used to purchase phones in XXXX, create unemployment accounts in XXXX and also to open a capital one credit card. I have additional debt that I have not used myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Vehicle loan or lease — Lease
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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I leased a XXXX XXXX XXXX XXXX with XXXX XXXX. XXXX years later when the lease contract with XXXX XXXX XXXX was up, I returned to the dealership to ask for financing options. They turned me away. They extended XXXX months on my lease and asked me to independently find a lender or return the car to them. I was desperate because my job depended on the car. I found XXXX XXXX XXXX as my lender. The paperwork was sent to XXXX XXXX XXXX and the total amount of {$26000.00} was paid to XXXX XXXX XXXX on XX/XX/XXXX by XXXX XXXX XXXX. XXXX years later when I finished paying off XXXX XXXX XXXX, I asked them to transfer the title under my name, but XXXX XXXX XXXX had never obtained any title of XXXX XXXX XXXX. I went to XXXX DMV twice, and I was told that a sales tax of {$3000.00} was due, and there was no release of title from XXXX XXXX XXXX. I do not have the money for such tax and I was under the impression that sales tax was included in the monthly finance. As of XXXX, I am still trying to figure out how to receive a title transfer from XXXX XXXX XXXX. I called them twice from XXXX. A document of Transfer and Reassignment Form was received, but it was not enough for XXXX DMV to process the title transfer process. I am still responsible for a sales tax of {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2025, I attempted to deposit cash at a USAA ATM. I inserted approximately {$1800.00}. During the transaction, the ATM prompted me to add more cash. I attempted to insert an additional {$510.00}, which was rejected and returned. The ATM then ended the session, returned my card, did not confirm the deposit, and did not print a receipt. I attempted to deposit again at the same ATM, but the deposit option was unavailable, so I used a nearby USAA ATM. USAA conducted multiple investigations and concluded that no error occurred. However, they did not provide ATM balancing totals, overage/shortage data, or detailed audit findings related to the malfunction during the deposit process. The transaction involved an interrupted deposit session where the ATM retained the initial cash without completing the transaction. I am requesting regulatory review of the ATM audit and reconciliation process for that date and location, and reimbursement of the funds accepted by the ATM or full disclosure of the documentation used to deny the claim.

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 2026-04-06 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: FinCo Services Inc DBA Current
State: SC

Complaint narrative:
I woke up Saturday XX/XX/XXXX, to funds being taken out of my account. From XXXX MULTIPLE TIMES. i did not authorize or make this purchase. My bank has done nothing to protect my funds. Instructing me to contact the place where fraud was committed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sunbit, Inc.
State: PA

Complaint narrative:
This situation has caused a significant emotional and financial toll on me. I have experienced loss of sleep, constant stress, and embarrassment from being turned away by landlords for a debt that should not even be on my credit report. This has negatively impacted my ability to secure safe and stable housing for myself and my family. The company reported and attempted to collect a debt in the amount of {$570.00} that I did not agree to and did not authorize. I did not sign any agreement or legal contract for this account. A valid contract requires agreement by both parties, and I did not participate in or consent to this alleged debt. Additionally, the debt collector failed to follow the proper FDCPA-required validation procedures, including providing adequate verification of the debt. Furnishing and continuing to report this unverified account constitutes unfair and deceptive practices prohibited under the FDCPA. As a result of these violations, my consumer rights were abused, and I have suffered emotional distress and financial harm. I am requesting that this account be immediately removed, corrected with all credit reporting agencies, and that appropriate remedies be provided for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: MA

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 response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Guild Holdings Company
State: TX

Complaint narrative:
On XX/XX/year>, Guild Mortgage debited my account for {$1500.00} as a mortgage payment. Additional unauthorized debits were taken on XX/XX/year>. While some reversals were attempted, Guild Mortgage is now refusing to acknowledge or properly apply the valid XX/XX/XXXX payment. My bank records clearly show the payment was successfully withdrawn and processed. This has caused financial disruption and risk to my account. I am requesting that XXXX Mortgage properly credit my XX/XX/XXXX payment and correct all related errors immediately. They took the payments out of my account on XX/XX/XXXX, XXXX, and XXXX. The did reversals on the XXXX, and XXXX. This means we have paid this, and ON TIME. Now they are denying it again, and show us late, and refuse to accept an online payment for XXXX as of XXXX XXXX .. I fully believe that they have been bought out and that the new actors are trying to take our home and our equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: IL

Complaint narrative:
I went to an ATM on XX/XX/2026 which app said is free at a XXXX XXXX store. i did a withdraw for {$200.00} the atm stated " error please contact financial institution ''. ATM never dispensed the money. I called the number on the back of the card to file a claim I was verified and told they would have to transfer me. I was placed on a hold for XXXX hours no one ever came to answer the line. I called again on today XX/XX/2026 and was verified and again told I had to be transfer and was placed on a hold for an hour no one answered the line again. this was money i never received and would like those funds back this is the income to the person the benefit goes to for XXXX monthly check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA

Complaint narrative:
I am 100 % disabled through the XXXX and I am tax exempt from real estate, school, and township I believe. I got the local taxes made exempt already from my employer. I got my exemption letters sent to XXXX XXXX XXXX, my mortgage company, and XXXX XXXX. I also work for XXXX XXXX as a Veteran Service Officer. I know that as of XX/XX/XXXX all taxes were to stop being taken from me. I went round and round with the mortgage company after I got new home owners insurance in XXXX and they re-ran the escrow. I got a letter from my mortgage XX/XX/XXXX that says my escrow account is short- {$4100.00}. It shows my escrow ( Taxes and or Insurance ) went from {$490.00} to {$660.00} with a prorated shortage of {$340.00}. My monthly payment was {$2100.00} and went up to {$2600.00}. I paid the {$510.00} for the months of XXXX and XXXX. I went in and made the {$400.00} towards my escrow I was told to do from the representative I had on the phone. I was told at that time that they had never received my tax exemptions. I had sent it to my dropbox on the loan app XXXX different times from XXXX to when they finally re-ran my escrow. After they took the tax exemptions my monthly payment went down to {$1800.00}. The company sent me a refund check for {$990.00}. I am not understanding how me paying {$400.00}, my monthly payment was supposed to be {$370.00} lower a month for XXXX months ( equaling {$1100.00} ) AND paying the extra monthly payment for XXXX and XXXX of {$510.00}. In total I overpaid my mortgage through no fault of my own in the total of {$2000.00}. Only refunding me {$990.00} does not make sense. I am still looking for the other {$1000.00} and I keep being told that the `` county '' needs to refund the mortgage co before they can refund me. The county does not have anything to do with this, the mortgage co needs to refund 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 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I am disputing a XXXX late payment reported by American Express for XX/XX/year>. Prior to any delinquency, I proactively contacted American Express and formally requested enrollment in a payment plan or hardship program for my Platinum card. American Express incorrectly closed the account and reported a XXXX delinquency. This sequence of events constitutes both procedural unfairness and an inaccurate adverse reporting. Under American Express 's own customer agreements and applicable federal guidelines, creditors are encouraged to work with consumers experiencing financial hardship. American Express 's refusal to engage with my payment plan request while simultaneously reporting a delinquency and closing the account is harmful and potentially actionable. Legal Basis for Dispute FCRA 1681s-2 ( b ) : American Express , as a furnisher, must report accurate information. A delinquency resulting from the denial of a requested payment plan especially where the consumer proactively sought resolution warrants correction. FCRA 1681i : I have the right to dispute this information and request a reinvestigation. ECOA ( 15 U.S.C. 1691 ) : Creditors may not engage in practices that are unfair or deceptive with respect to credit extensions and account management. CFPB Supervisory Guidance : The CFPB has emphasized that creditors should offer loss-mitigation options and payment plans before resorting to adverse actions, particularly for consumers who proactively reach out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: Atlanticus Services Corporation
State: VA

Complaint narrative:
Fortiva has now updated the payment that was paid in XX/XX/XXXX in XXXX of XXXX. However, they have not debited the payments that were paid to them this year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Thaxton Investment Corporation
State: KY

Complaint narrative:
After the finance dean the vehicle unable to be fix they charge off the loan and sold it to debt collection and had not heard anything from them over a year

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Block, Inc.

Complaint narrative:
I am an XXXX XXXX XXXX XXXX service member currently stationed in XXXX XXXX. I have a fully verified Cash App account with funds in it, but I am being denied access due to location restrictions. Despite being the rightful owner of these funds and having full identity verification, I am unable to log in or withdraw my money. This is causing financial hardship and preventing me from accessing my own funds. I am requesting immediate assistance in regaining access to my account or a manual method to withdraw my funds. If this can not be resolved, I am requesting that my funds be released to my linked bank account. CASHAPP support has requested that I simply wait XXXX years until back im states to access {$900.00}. XXXX XXXX Cash App XXXX : $ XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
2023 an auto loan FROM CAPITAL ONE was taken out in my name I have no recognition of my information was used in a data breach and results of identity theft FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
FINAL NOTICE! I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. Please block and remove all erroneous information from my credit report and send me an updated copy. Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 U.S. CXX/XX/XXXXe XXXX - Civil Liability for Willful Noncompliance, 15 U.S. CXX/XX/XXXXe XXXX - Civil Liability for Negligent Noncompliance, and 15 U.S. CXX/XX/XXXXe XXXX - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. XXXX ( XXXX ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. XXXX ( d ) ( XXXX ).

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