vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am submitting a complaint regarding a recent refinance application for a XXXX loan that was denied by Randolph Brooks Federal Credit Union. On XX/XX/year>, I received a denial notice stating limited credit file for type and/or amount requested. While I understand that lenders have discretion in underwriting decisions, this explanation lacks sufficient specificity to understand the basis of the decision. I have a strong and established credit profile, including a high XXXX XXXX and a history of successfully managing significant financial obligations, including a prior XXXX loan that was paid as agreed. Based on this, the stated reason appears overly broad and does not provide actionable clarity regarding what specific factor or threshold was not met. I have attempted to obtain clarification directly from the institution, including asking whether changes such as reducing the loan amount or adjusting terms would impact eligibility. However, I have not received a clear or substantive explanation. In prior lending experiences, when a loan request was not approved, I was typically provided with more detailed explanations or alternative structures. In this case, that level of transparency has not been provided. I am requesting : A more detailed explanation of the specific factors that led to the denial, including whether the decision was based on loan amount, credit history depth, or internal policy thresholds Clarification on whether reducing the loan amount would impact eligibility Confirmation that all applicant credit profiles were considered and how they contributed to the decision A review of whether the explanation provided meets requirements for clear adverse action notices under consumer protection standards This complaint is not a dispute of the lenders right to make a credit decision, but a request for transparency and clarity so I can make informed financial decisions moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
Dear Sir or Madam, I am writing regarding my XXXX loan account currently reported with your company. I would like to respectfully request a goodwill adjustment for the late payment reported on my credit file. Context : This account has otherwise been maintained in good standing, and I have made consistent efforts to stay current. The late payment reflected on my report occurred during a difficult period following an unexpected situation involving a vehicle accident and related financial strain. Accountability : I take full responsibility for the missed payment. It was not a reflection of my usual payment behavior, and I understand the importance of maintaining timely payments. Request : As a gesture of goodwill, I kindly ask that you consider removing the late payment from my credit report. This adjustment would greatly assist me in continuing to rebuild and maintain a strong credit profile. Thanks : I truly appreciate your time and consideration of my request. I value my relationship with your company and remain committed to maintaining my account in good standing moving forward. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Future Judgement Solutions
State: PA

Complaint narrative:
I never had a debt or contract with XXXX XXXX XXXX and now I am being contacted by a company called Future Judgement Solutions in regards to a debt they stated is from the year XXXX. They have threatened to sue me civally in court, and I requested proof of the debt to provide it to an attorney. Because this debt is not mine and I believe it to be fraud, but also the debt is extremely old and I believe I am afforded certain protections under the Fair Debt Collections Practices Act, and with the harrassing calls coming from this company I believe I should be able to sue them should any future contact attempted to be made.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Credit Karma, LLC
State: OR

Complaint narrative:
This morning, I received a pre-approved offer via Credit Karma stating that XXXX out of XXXX people with my XXXX XXXX are paying a lower APR on their existing auto loan rate. My existing rate is 7.68 % which is arguably high for someone with my XXXX XXXX and history ( never missed a payment, XXXX XXXX XXXX as of this morning ). XXXX their pre-approved offers, I saw that there were potential rates as low as 4.96 %. Obviously, that peaked my interest. I went through the process to get referred to the third-party lender, submitted my application, and the lowest rate they could go is 7.2 %. I am in no way upset with the third-party lender. I understand how pre-approved offers only have a partial picture and after going through the application, the lender will offer a rate comparable to the amount of risk they are taking on. However, the delta/discrepancy in " pre-approved '' rate provided by Credit Karma and the actual rate is what irks me so much. LITERALLY OVER XXXX XXXX DIFFERENCE. That is absolutely appalling, and I would consider it negligent on behalf of Credit Karma that they are portraying such a low rate to only have the actual quoted rate be on a completely different planet. Credit Karma has all my information, they should know ( generally ) what rate I would be approved for. This is just INSANITY in my opinion. At the direction of Credit Karma, I have now shared my PII with a random third-party lender and also suffered a hard inquiry. I would NEVER have done this if they didn't portray the third-party rates as being so low. Additionally, I straight up asked the third-party lender what the lowest they will go on any auto loan and they said 5.74 %. So, Credit Karma is somehow quoting rates under the ABSOLUTE LOWEST rate the lender would provide. THIS IS NEGLIGENCE AND THE DEFINITION OF DECEPTIVE LENDING PRACTICES. I attempted to file a complaint with Credit Karma around this. They made it incredibly difficult to do so. Eventually I did get to the right department where they provided me with a complaint number of # XXXX. Long story short, I would have never applied for refinancing my existing auto loan if Credit Karma didn't portray such a low potential rate. They need to step their game up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX :, Social Security XXXX, Date of Birth XX/XX/year> .Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese inquiries have resulted in several fraudulent accounts appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, l appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud.

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 2026-04-28 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: FL

Complaint narrative:
I filed a fraud dispute on XX/XX/year> dispute number : XXXX regarding approximately {$2700.00} in unauthorized transactions on my XXXX XXXX XXXX I submitted all required documentation the same day, including a police report and written statement detailing the fraudulent activity and transactions involved. As of XX/XX/year>, no provisional credit has been issued and I have not received a clear approval or denial decision. I was informed a decision would be made by the end of the regulatory timeframe, but no resolution has occurred. This delay is causing significant financial hardship as I do not have access to the disputed funds needed for basic living expenses. I am requesting immediate review and issuance of provisional credit in accordance with Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I am filing a complaint regarding SoFi bank 's handling of fraudulent debit card transactions and failure to comply with Regulation E. I disputed fraudulent transactions that posted to my checking account prior to its closure in the amount of {$10.00} from XXXX. This transactions was not authorized. SoFi denied my fraud claim without providing a case number, written confirmation, or investigation timeline, and refused to clarify reimbursement procedures. After I filed a fraud claim, SoFi illegally closed my checking account in retaliation and withheld my funds, refusing to release my money. They are engaged in discriminatory and retaliatory practices, and Im having difficulty retrieving my funds. I request that the bank immediately reopen and properly investigate this Regulation E claims and issue reimbursement for this unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Credit Karma, LLC
State: MS

Complaint narrative:
I am filing this complaint regarding my Credit Karma Spend account due to being locked out of my account and unable to access my funds. I have successfully completed identity verification, and I am receiving login verification codes via email. However, the system repeatedly rejects valid verification codes, preventing me from logging into my account. I contacted customer support multiple times and escalated the issue to a supervisor named XXXX. Despite explaining that I am receiving the codes and that the issue appears to be a system error, I was informed that they do not have a technical support team available to assist customers with resolving login or authentication issues. This is extremely concerning because I currently have an incoming deposit and bills that need to be paid. I am being denied access to my account and funds due to what appears to be a system failure on their end, and no resolution or timeline has been provided. I have attempted all standard troubleshooting steps, including using different devices, clearing cache, and reinstalling the application, but the issue persists. I am requesting immediate assistance in restoring access to my account, as well as confirmation of any pending deposits. I also request that the company provide a clear resolution process for customers experiencing authentication failures. Denying access to my account without providing a way to resolve the issue is causing financial harm and is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: ID

Complaint narrative:
I recently voluntarily gave up my vehicle back to the bank because I could no longer afford payments. I just recently received this papers that says how much I still owe the bank after the car went up to auction. They then proceeded to tell me that they're going to continue racking on fees even though the contract is void due to the fact that I gave up my vehicle and it's no longer in my name or possession. They proceeded to tell me that I owe them {$3600.00} in accrued finance charges and fees i did talk about a settlement and how much I would be willing to pay. However, I don't believe I owe that much money. I asked them multiple times about why they're adding reoccurring fees even though I am no longer in a contract with them. I should only have to pay the amount that I owe them for whatever the car wasn't sold for. I understand that I do owe them something. However, any accrued fees after I gave up. My vehicle should not occur. Nor should there be any more fees added up simply because I haven't paid it because therefore I would never be able to pay it if they continued to rack on fees every single day. The amount of rebate that the vehicle is supposed to go for is {$34000.00} they sold the vehicle for {$29000.00}. According to them I owe {$8800.00} i talked to them on the phone on XXXX XXXX XXXX, they proceeded to tell me that the amount I owed had gone up, meaning they charged me a fee the amount is now at {$8800.00} how is that possible that they charged me a fee when I haven't even talked to them about a settlement prior to me, asking questions about the unnecessary fees and charges.. I did talk to them about a possible settlement payment. To understand how much exactly I would be able to possibly work with them on it. But again to add on fees after the contract is void and continuing to charge me is horrendous, how would anybody be able to pay back a bank for a situation like this? If they continuously add on fees like this. I have on the record as well as the company does as well. The multiple conversations we had in regards towards the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
They responded here with different information than they've ever told me when I've called in over the past XXXX years. They said : " XXXX XXXX XXXX XXXX XXXX XXXX In the inquiry, you questioned the XXXX on the account. We received an insurance document indicating it was for the location at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. After further review, we have confirmed the account is secured by multiple properties, and XXXX was added to the account from XX/XX/XXXX, through XX/XX/XXXX, because SPS did not receive proof of a preferred hazard insurance policy for the property address of XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. There was an insurance policy with policy number XXXX that was canceled at the insureds request, effective XX/XX/XXXX, as the property had been sold. No preferred replacement insurance was provided until we received policy number XXXX, effective XX/XX/XXXX. The XXXX premium was {$6200.00} annually ; however, SPS bills XXXX XXXX. Therefore, the total amount of XXXX charges assessed for the lapse period totaled to {$1900.00}. We sent the enclosed XXXX XXXX XXXX XXXX XXXX XXXX advising that there is a lapse in coverage from XX/XX/XXXX, through XX/XX/XXXX. In order for SPS to review for a possible refund, please provide evidence of personal insurance for the lapse period. We have enclosed the Escrow Disbursement History for review. '' Therefore, I am attaching the XXXX insurance policy for XXXX. I have emailed this to you in the past to no avail, so I am attaching it here. This is for POLICY NUMBER : XXXX - XXXX POLICY PERIOD : FROM XX/XX/XXXX TO XX/XX/XXXX which certainly covers the time period you are mentioning. The property has not been and was not sold, and I am not sure what you are referencing there. The property has been insured for the entire time with XXXX, and with XXXX XXXX. I uploaded XXXX XXXX last time, and here is the XXXX XXXX as well. Thanks for taking care of this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OR

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: BSI Financial Holdings, Inc.
State: MO

Complaint narrative:
The Deed of Trust recorded XX/XX/XXXX ( Book XXXX Page XXXX, XXXX XXXX XXXX ) secured approximately {$800000.00} and encumbered multiple properties. The loan was paid in full no later than XXXX, and there is no dispute as to payoff. Since XX/XX/XXXX, I have made repeated written and verbal requests for a complete release. The servicer ( BSI Financial XXXX ) has acknowledged satisfaction but has failed to perform its legal obligation to release the lien. Instead, it has issued multiple incomplete releases that omit properties and contain incorrect or partial legal descriptions. As a result, the lien remains open of record across multiple parcels. This has directly delayed transactions, including a pending sale and refinance involving multiple properties totaling hundreds of thousands of dollars. The delays have caused increased interest costs, lost opportunity to deploy capital, and disruption of ongoing real estate operations. Despite escalation, documentation, and urgency, the servicer has not corrected the issue or provided a complete release. This is a failure to properly discharge a satisfied mortgage and is causing ongoing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
My business maintains a significant deposit balance with Capital One. I need to transfer funds back to the external account from which they originated. Capital One has a technical issue on their end that is blocking outbound transfers to that account, while inbound transfers from the same account remain functional - a clear system error on their side. I contacted Capital One same day, XX/XX/XXXX, and was told the only available resolution was a ticket submission with a response window of up to five business days and no committed resolution timeline. This is unacceptable for a business with time-sensitive obligations. I requested escalation during the call. The request was refused, and the call was disconnected by the Capital One representative, XXXX, who identified herself as a manager. The call was disconnected at approximately XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
In XX/XX/XXXX the vehicle securing my auto loan with Fifth Third was totaled in a no-fault accident. GAP insurance was in place. My co-borrower contacted Fifth Third 's Loss Claims department immediately with all required documentation. Fifth Third failed to transmit required documents to the GAP insurer despite claiming they had done so. I personally obtained and submitted those documents myself. I contacted Fifth Third in writing before any delinquency compounded, requesting payment accommodation and that no adverse credit reporting occur during the unresolved claim. Fifth Third 's own website promises hardship assistance. My request was completely ignored. Fifth Third then misclassified my request for written communication only as a cease and desist which I never requested blocking me from their own loss mitigation team. One day later they sent a repossession threat for a vehicle confirmed as a total loss, which may violate their XXXX CFPB consent order regarding wrongful repossession practices. Fifth Third has provided four contradictory balance figures ranging from {$650.00} to {$6200.00}. They have never confirmed receipt of the GAP insurance payment despite my being the primary borrower. I can not determine what I legitimately owe and therefore can not pay it. My credit score has dropped XXXX points during the period of Fifth Third 's adverse reporting on this unresolved claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am filing this complaint against Navy Federal Credit Union regarding inaccurate and incomplete reporting of my auto loan account ending in XXXX. Navy Federals own written correspondence dated XX/XX/year> confirms that a payment of {$330.00} was applied to the account and that the balance was reduced to {$14000.00}. However, the credit reporting for XX/XX/year> reflects {$0.00} paid and continues to report a balance of {$14000.00}. A portion of the XX/XX/year> payment was later refunded, but approximately {$250.00} was retained and applied. Navy Federal has not provided a complete accounting showing how the retained amount was applied or how the reported balance was calculated. I submitted written requests for reconciliation and accounting. Navy Federal responded by directing me to call the Recoveries/Collections Department and set up a payment arrangement, but did not provide a written accounting or reconcile the discrepancy. This is a new issue separate from my prior complaints. The issue is the failure to properly document, apply, and report the XX/XX/year> payment and the continued furnishing of inaccurate or incomplete information after written notice. I request that Navy Federal be required to : 1. Provide a complete written accounting of the XX/XX/year> payment, refund, retained amount, and balance calculation ; 2. Correct the XX/XX/year> payment reporting and balance information ; 3. Correct or delete any inaccurate, incomplete, or unverifiable information furnished to consumer reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation