vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX Revolving with Account has a balance of {$0.00}. My previous dispute resulted in deletion from XXXX and XXXX, but not Equifax. The request to investigate why resulted in no response and no action. The erroneous reporting was recognized and corrected with exception to my Equifax Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I cancelled a tire and wheel protection plan. The refund was sent to the leasing company. I was told I would receive the refund when the lease was paid off. The lease has been paid, I have not received the refund nor an explanation as to why not. The refund ( {$410.00} ) was sent to the leasing company ( XXXX XXXX XXXX ) on XX/XX/year>. The lease was paid off XX/XX/year>. I have contacted, by phone, the finance company several times and have been told there is no refund without as adequate explanation.

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 2026-02-25 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: MI

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Synchony Bank had an XXXX XXXX program that I have been a cardholding member of for some years now. XXXX of the biggest perks of this program, was that members would earn reward points for XXXX purchases that were about XXXX per dollar spent, and a {$10.00} statement credit would be applied to their balance for every XXXX points earned per period. I have earned thousands of dollars using this card on 100 % of my XXXX purchases, never had a late/outstanding balance payment, always paid early/on time, and have an XXXX XXXX XXXX with less than 10 % of my credit utilization ever used at any time. SO WHY DID THEY DECIDE TO CANCEL MY ACCOUNT? Well, it is pretty obvious. The XXXX XXXX program obviously was not very fruitful for Synchrony, so they decided to terminate it on XXXX XXXX. They sent out emails claiming that members could still use their card and earn points up until XX/XX/XXXX, which would be converted into statement credits. HOWEVER, I FIRMLY BELIEVE SYNCHRONY IS NOW CANCELLING MEMBERS ' ACCOUNTS IN BAD FAITH IN ORDER TO TERMINATE THEIR EARNED STATEMENT CREDITS AND REWARDS!!! THEY HAD NO VALID REASON TO TERMINATE MY CARD AS XXXX NEGATIVE FINANCIAL INFORMATION HAS BEEN REPORTED. THEY HAVE NOT GIVEN ME ANY SUBSTANTIVE, CLEAR JUSTIFICATION FOR CANCELLING MY CARD. THEY HAVE NEGATIVELY IMPACTED MY XXXX XXXX! I AM CURRENTLY LOOKING TO BUY A NEW HOME AND I AM INFURIATED BY THEIR BAD ACTS. They have a reputation online for doing this to many members, and they are essentially STEALING FROM THEIR CUSTOMERS! They are refusing to provide me my earned rewards statements that are in the XXXX of dollars, and I can not believe that they are allowed to keep doing this! PLEASE HELP!!!!

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 2026-02-25 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I received a denial for unclear reasons on numerous occasions. It appears that it was due to a purported inability in verifying identity. The adverse action letter vaguely states, " Unable to verify identity '', however, the lender does not specify any details or allow a way to reconsider the decision. The XXXX just directed me to wait XXXX days and then reapply. I did so multiple times with the exact same outcome. In fact, I even submitted a notarized statement of identity - all to no avail! Federal law requires that consumers have a right to fair and transparent lending practices. I request that the lender provide me with a fair and transparent opportunity to apply for its lending products. I am happy to provide a copy of my government-issued ID card and other documents that should satisfy lending requirements. Otherwise, the lender 's failure to provide explanation or XXXX XXXX for reconsideration of my application by allowing me to verify my identity unlawfully deprives me of the ability to utilize consumer credit, which is in violation of relevant state and federal laws. * * THE LENDER ALSO PULLED MY CREDIT REPORT WHICH SHOWS ON MY CREDIT AS A HARD PULL EVEN THOUGH IT WAS SUPPOSED TO BE A PREQUALIFICATION SOFT PULL. * * Please have the lender immediately process my credit application and issue the card I was already prequalified for! Thank you.

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 2026-02-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX Phone : XXXX XX/XX/XXXX Capital One XXXX Resolution Team Attn : General Correspondence P.O. XXXX XXXX XXXX XXXX XXXX, UT XXXX RE : FORMAL ESCALATION Misapplication of Visa Dispute Rules Account Ending In : XXXX Transaction Amount : {$2700.00} Dispute Case XXXX XXXXXXXX Merchant : XXXX Living Furniture To the XXXX Resolution Team, I am writing to formally appeal the denial of my dispute regarding the purchase of XXXX barstools in XX/XX/XXXX. My dispute has been erroneously rejected based on a " XXXX rule '' calculated from the transaction date. This is a direct violation of XXXX XXXX XXXX regarding merchandise quality disputes. XXXX of Events : Transaction Date : XX/XX/XXXX. Delivery Date : XX/XX/XXXX. The Issue : I ordered Italian-manufactured barstools ; I received a significantly different product manufactured in XXXX. Merchant Acknowledgment : On XX/XX/XXXX, the merchant admitted the error in writing and promised a pickup/refund within XXXX weeks, which has not occurred. On the XX/XX/XXXX email from a paragraph to he clearly stated that ( " my focus was finding pieces that fit your lifestyle and the look of your home rather than prioritizing where they were made. ) He specifically stated that this is his error even though my original order specifically stated XXXX only Regulatory and Network Basis for Appeal : XXXX Rule XXXX ( Not as Described ) : Under Visas global dispute standards, the XXXX window for filing a " Not as Described '' dispute begins on the date the cardholder received the merchandise, not the transaction date. As I received the goods on XXXX XXXX the deadline to file is XX/XX/XXXX. I am well within my rights. Fair Credit Billing Act ( XXXX ) : While the XXXX provides a XXXX window for billing errors, it also protects consumers ' rights to withhold payment for " Claims and Defenses '' regarding the quality of goods. Capital One 's internal automation is failing to account for delayed delivery dates, which is a documented merchant error. Requested Action : I request that a senior analyst manually re-open this case under Visa Reason Code XXXX. I have attached the text message correspondence between the merchant and myself on XX/XX/XXXX and the merchants XX/XX/XXXX admission of fault. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XXXX I filed a dispute with PayPal. The confirmation email of rebuttal by merchant process step, which followed XXXX minutes after I filed, explicitly states " We reviewed the case ( XXXX ) you filed on XX/XX/year> and have contacted the seller for more information. ". I then asked chat support. The AI was unhelpful and I was transferred to a XXXX. The XXXX stated in fact that no such reviews occurs. Further calls have yet to resolve this mystery.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Direct, Inc
State: WA

Complaint narrative:
In XX/XX/XXXX, my wife and I obtained a mortgage through DIRECT ( XXXX ) to purchase our home. The loan itself was issued by XXXX XXXX, which is now owned by XXXX XXXX Under the terms presented at closing, we were to receive monthly Reward Payments of {$190.00} from DIRECT for the life of the loan. We received these payments consistently until XX/XX/XXXX, when they suddenly stopped. When we contacted DIRECT, we were informed that the Rewards Program was being restructured. DIRECT then introduced new requirements that were not part of our original XX/XX/XXXX agreement, including : Opening a Direct Card and Direct Account before the mortgage loan funded; Maintaining and keeping current a qualifying mortgage loan ; Making timely monthly mortgage payments using either the Direct Card or ACH through a Direct Account ; Maintaining a minimum balance of {$5000.00} in the DIRECT account beginning no later than XXXX days after account opening, OR completing at least XXXX debit card purchases per month ( refunds excluded ). In XX/XX/XXXX, we received rewards payments for XXXX and XX/XX/XXXX. We were later informed that we did not meet the new requirements for the XX/XX/XXXX reward payment and therefore would not receive it. We received payments for XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. Additionally, we have not received any reward payments in XXXX, missing XXXX and XXXX. I contacted DIRECT multiple times to determine when the missing payments would be issued. XXXX XXXX was my primary point of contact. On several occasions, she stated that past-due payments would be processed ; however, they have not been paid. At this point, DIRECT has stopped responding to my calls and emails. The missing payments are for : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This totals XXXX payments at {$190.00} each, for a total of {$1900.00}. My questions are : XXXX. Was DIRECT legally allowed to change the terms of the Mortgage Rewards Program after we signed the agreement in XX/XX/XXXX? XXXX. What steps can I take to recover the unpaid reward payments?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
I requested a fax of my title and lease to send to the XXXX. They said they did the request on Friday. And now its Wednesday I had to call back and make a new request again. They kept giving me XXXX XXXX XXXX and XXXX business days when its a fax. This is insane. When I finally get it escalated they wont give me a confirmation message that they did it and said they are doing it today. Their customer service is terrible and XXXX hoping the information is sent today because XXXX paying for XXXX insurances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: CO

Complaint narrative:
The debt collector called me and i asked if they could take payments or settle with a less amount he told me no if i don't pay in full then he was putting it on my credit a charging off the account. i told him i didn't have the full amount but would make payments and he said no. I called back to today to see if they would settle or take payments he said no they are perusing legal actions i said thank and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: LA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

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 2026-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
Need help with reducing my mortgage payment, I had XXXX XX/XX/XXXX my medical bills and medication caused us to get behind on the mortgage. Mortgage assistance application with income was faxed to Pennymac XXXX XXXX and XXXX XXXX, XXXX. The mortgage assistance request with financials has not been processed. I don't want to lose my house to foreclosure. I am a XXXX citizen I need help with this request. Pennymac is not assisting me with this request. Loss mitigation has said they are not working on my request for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Relay Financial (US), Corp.
State: TX

Complaint narrative:
I don't have an issue with them closing my account. That's not the problem. The issue with Relayfi business bank is that they issued me a check with my business name mispelled and I have been going back and forth with them since XXXX of XXXX concerning this. I can not cash this check anywhere because of it. I have given all required information needed to show the correct spelling and here it is the end of XX/XX/XXXX and they sent me a check with same error. I'm beyond XXXX off and I'm about get a lawyer to sue this bank for unnecessary stress that this has caused me. The sad part about this is it's just a simll ok XXXX letter that needs to be fixed and they are too stupid to fix it seems like. My business name is XXXX XXXX XXXX XXXX XXXX and the word XXXX has an " XXXX '' saying XXXX when it's supposed to be XXXX with a " y ''. You would think they would know how to correct that. Instead they sent me out a second check with same error no correction was done after I had uploaded all paperwork requested. I'm not asking for much and yet it seems that these people are too incompetent to correct something so simple. I need talks help to intervene because just me alone is not getting the job done. I have contacted the XXXX about this and they couldn't do anything but close my case as unresolved. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Skopos Financial, LLC
State: WA

Complaint narrative:
Hi there, Its been XXXX years paying this loan, everytime I try to make payments online on my own the company website wont allow it. I have to call them and they have convenient fee XXXX. Their website XXXX allow me to make payment. Unless its scheduled monthly : (

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 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: TX

Complaint narrative:
I was misinformed about the charge off process and was making good faith payments to the account to get current. XXXX XXXX still did a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX On XX/XX/year>, the lender confirmed in writing that my account was current and that a prior missed payment dated XX/XX/year> had been formally deferred to the end of the loan. The written confirmation states that the extension was finalized and that the account was current. After this written confirmation of cure, repossession expenses were added on XX/XX/year> in the amounts of {$400.00} and {$75.00}. No new default occurring after XX/XX/year> has been documented. I have not been provided : A valid post-extension default date A right-to-cure notice An acceleration notice Documentation authorizing repossession A UCC-compliant post-repossession accounting On XX/XX/year>, a payment of {$780.00} was made and accepted by the lender after repossession fees were added. XXXX of substantial payment contradicts any claim of lawful acceleration or final default. In addition, the same account is being reported inconsistently across credit reporting agencies : XXXX XXXX reports the account as Pays as Agreed. Another reports a XXXX late for XX/XX/year>. Another reports a XXXX late and a Redeemed Repossession. If the XX/XX/XXXX payment was formally deferred and the account confirmed current, reporting a XX/XX/year> XXXX late is inaccurate. Reporting a repossession under these circumstances is also inaccurate if no lawful default existed. I disputed the inaccurate reporting. The continued cross-bureau inconsistency indicates failure to conduct a reasonable investigation and failure to ensure maximum possible accuracy under the Fair Credit Reporting Act. XXXX requires default. The lenders written confirmation that the account was current directly contradicts the basis for repossession activity and related reporting.

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 2026-02-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
This account was closed by the original creditor in XXXX of XXXX via reports of credit karma I had a celebratory congratulations notice posted for paying off account. And it had to show that it was closed at that time by the creditor. However last payment received was posted in collected in XXXX of XXXX no other payments have been made since finding out that the account has been paid off however I've been berated with phone calls both from flagship until they passed it off I'm guessing to who is now a collector name resurgence but they're going for the money for someone under the vise of LVNV Funding LLC. I HAVE NOT YET TO RECEIVE MY TITLE TO MY CAR HOWEVER IT SHOWS THAT IT'S BEEN CHARGED OFF AND DON'T EVEN SHOW ON MY CREDIT REPORT HOWEVER A CREDITOR IS TRYING TO GET A DEBT THAT IS NOT OWED OR DUE. I HAVE EMAILS, DATING FAR BACK AS XXXX XXXX SAYING THAT THE ACCOUNT WAS CLOSED BUT WHEN OPENING IT IT OPENS TO CREDIT KARMA AND IT'S LYING REPORTING SAYING THAT IT WAS CLOSED JUST THIS XXXX OR XXXX... HOWEVER CALLS FOR FLAGSHIP STOPPED AND NOW THE NEW FAKE DEBT COLLECTOR IS CALLING NON-STOP AND I DO NOT HAVE MY TITLE THAT IS DUE AND OWED TO ME as CONTRACT HAD IT.

Company response to consumer: Closed with explanation