vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit report agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal secured loan account opened at XXXX XXXX XXXX XXXX date opened XX/XX/year>, account number : XXXX, and credit inquiries with XXXX XXXX on XX/XX/year>, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent reported. The aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint { case number } as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results 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 explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.

Complaint narrative:
I have been paying down my loans since XXXX and believe I qualify for forgiveness, but neither Nelnet my service provider or Federal Student Loans will give me a count. I applied for IDR, but the application has always just been under review I was on SAVE, but that was cancelled. I have asked repeatedly for updates and called. They say I have made 8 qualifying payments - even AI could look at my original loans and estimate how many payments I would have had to make to have my current balance. My wife applied for IDR at the same time, and she moved to Nelnet, and as part of that she had a payment count and forgiveness. I think since I was with Nelnet already they just refused to do it. I am being charged interest and told any current payment won't count towards forgiveness - that I need to sign up to a new plan, but I worry that will affect my status. It seems they have no records of what I owe or how we got to this balance and so I don't see why I should have to pay anything until they can prove the balance is correct and that I owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX COMENITYCAPITALBANK/XXXX Call several times a day and all times, ive had a couple calls that were very threatening and made me feel uncomfortable. I asked they stop contacting me and the calls got worse!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am formally disputing XXXX response as incomplete, non-compliant, and lacking a reasonable investigation as required under federal law. XXXX claims the account was opened online ; however, they explicitly admit that no signed application or executed contract exists. This is a critical deficiency. A creditor can not establish enforceability or reporting accuracy without producing a contract bearing my signature or legally sufficient authentication. Additionally, XXXX failed to provide the method of verification as required under the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 7 ) ). Their response contains no information identifying : - The individual who verified the account - The specific documents relied upon - The process used to confirm the alleged debt This indicates reliance on automated verification systems rather than a reasonable investigation. Further, XXXX asserts that a lawsuit was filed and that a judgment was entered in XXXX County. However, they failed to provide : - Case number - Court documentation - Proof of service If such a judgment exists, it must be substantiated with verifiable records. Reporting a judgment without documentation constitutes inaccurate and potentially deceptive reporting. Despite my dispute, XXXX continues reporting the account without providing competent evidence, in violation of FCRA 1681s-2 ( b ), which requires a meaningful investigation upon notice of dispute. Based on the above, I am requesting the following : 1. Immediate deletion of the account from all credit reporting agencies due to failure to verify 2. Full disclosure of all documents used to support the account 3. Method of verification details as required by law 4. Documentation of the alleged judgment, including proof of service If XXXX can not provide this information, continued reporting constitutes willful noncompliance. I am prepared to pursue all available legal remedies if this matter is not corrected promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Category : Auto Loan or Lease Subject : Improper Loan Servicing, Repossession Handling, and Vehicle Loss Complaint : I am filing a complaint against Westlake Portfolio Management regarding the servicing of my auto loan for a XXXX XXXX XXXX ( XXXX : XXXX ). In XX/XX/XXXX, Westlake required me to execute a notarized Power of Attorney ( POA ) to correct title/registration issues so I could renew the vehicle registration. I returned the POA on XX/XX/XXXX. Westlake then stated they did not act on the POA because the account was behind. The vehicle was repossessed on XX/XX/XXXX. I paid {$1100.00} to reinstate the loan and recover the vehicle, including storage fees through their recovery vendor. My son retrieved the vehicle. I then made an additional {$290.00} payment for XX/XX/XXXX to keep the account current. Despite these payments, the title/registration issue was never corrected, and I remained unable to legally register the vehicle due to XXXX records not matching the vehicle. As a result, the vehicle was impounded on XX/XX/XXXX due to registration issues. The impound company ( XXXX XXXX XXXX ) advised that a certified notice was sent to the lienholder within five days. Westlake later stated they were unaware of the impound, instructed me to locate the vehicle, and after review, abandoned the vehicle on XX/XX/XXXX. The vehicle is now scheduled for auction. Westlake accepted payments to reinstate and maintain the loan but failed to resolve the title/registration issue they required the POA for , which directly contributed to the impound and loss of the vehicle. There are also inconsistencies in account records, including failure to reflect the vehicles recovery after reinstatement. I request : A full account and transaction history Documentation of title/lienholder actions and POA usage Explanation of failure to act on impound notice Review of fees and consideration of reimbursement/adjustment Review of any deficiency balance for accuracy and fairness

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am the account holder of a PayPal Credit account issued by Synchrony Bank. I am currently locked out of my PayPal account because the email on file was a school email that has since been deleted, and the phone number on the account is no longer active. Because of this, I can not receive the required verification codes to log in. I have contacted PayPal and PayPal Credit multiple times. PayPal continuously transfers me to Synchrony Bank, stating it is a credit issue. Synchrony Bank then states it is a PayPal login issue and transfers me back. This has created an endless loop with no resolution. I am able to verify my identity. I have my PayPal Credit statements and can provide personal identifying information such as my name, address, and other account details. However, I am being denied access to my account because I can not complete two-factor authentication tied to inaccessible contact information. I am requesting that Synchrony Bank and/or PayPal provide a reasonable method to verify my identity and restore access to my account, or update my email and phone number on file so I can log in. This situation is preventing me from accessing and managing my account. I am seeking a resolution that allows me to regain access through manual identity verification.

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 2026-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: CT

Complaint narrative:
I am filing this complaint regarding inaccurate and misleading debt collection and credit reporting by Spring Oaks Capital LLC. This account is being reported with multiple inconsistencies across the credit bureaus. The Date Opened is reported differently ( XX/XX/XXXX vs XX/XX/XXXX ), and the Date Last Active is also inconsistent ( XX/XX/XXXX vs XX/XX/XXXX ). These conflicting dates indicate unreliable and potentially re-aged information. In addition, Spring Oaks Capital LLC is being listed as the original creditor, which is inaccurate and misleading, as they are a debt collector and not the original lender. The account is also reported with contradictory statuses, including Open while simultaneously labeled as a Collection/Charge-off, which is not logically or legally consistent. The balance of {$750.00} is being reported despite these inconsistencies, making the amount unreliable and unsupported by verifiable documentation. I previously disputed this account and requested validation ; however, no documentation was provided. The account continues to be reported with repeated account disputed remarks, indicating that no reasonable investigation has been conducted. These actions constitute violations of the Fair Credit Reporting Act, including failure to ensure maximum possible accuracy and failure to conduct a reasonable investigation, as well as violations of the Fair Debt Collection Practices Act for false and misleading representation of a debt. Due to these material inaccuracies and failure to validate, I am requesting immediate deletion of this account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I have been checking my credit since XXXX and in XXXX. I received a notice that my credit had dropped around XXXX points. There was a collection under CCS and XXXX, but I had never received used purchased or agreed to use any services from XXXX ever. At the time of the collection I had only made one bank account. I have never paid anything with XXXX or agreed to have anything with XXXX. The company marked my debt as paid even though I have never paid them anything this is a fraudulent report on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XX/XX/year> I deposited cash at a Capital One ATM located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX The total amount I inserted was . {$3300.00} However, the ATM only credited {$2900.00} to my account, which is {$400.00} less than the actual amount deposited. I reported the issue immediately on the same day. After their investigation, Capital One denied my claim, but I am certain of the amount I deposited. I believe the ATM miscounted the cash. I am requesting a full reinvestigation, including : * A review of the ATM cash balancing records * A review of the ATM camera footage * A review of the ATM transaction journal Resolution requested : I want the missing {$400.00} to be credited back to my account. I would also like a detailed explanation of how the investigation was conducted and why my claim was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
This complaint addresses a specific evidentiary gap that was not resolved by Concora Credits XX/XX/year> CFPB response ( Ref. No. XXXX ). I filed an FTC Identity Theft Report on XX/XX/year> under penalty of perjury. I do not have in my possession any application, cardholder agreement, consent record, account number delivery record, or disclosure document establishing that the XXXX XXXX XXXX Account ending in XXXX was validly opened by me. The absence of these documents is the sole basis for my identity theft claim. The records I am requesting from Concora Credit / XXXX XXXX XXXX are the only documentation that could establish whether this account was validly opened by me. I. Concoras XX/XX/year> Resolution Concora Credits XX/XX/year> CFPB response stated that I would not be held liable for the account, that they requested the banks tradeline be removed from my credit report, and that an interaction with their representative had been submitted to management for further review. I appreciate that resolution and the determination that I would not be held liable. However, the resolution did not produce or address any of the underlying account-opening records, and Concora has not since produced these records despite my prior certified-mail demand. II. Records Requested I am formally requesting, through this complaint, that Concora Credit / XXXX XXXX XXXX produce the documentation establishing that the XXXX XXXX XXXX Account ending in XXXX was validly opened by me. This includes, but is not limited to : 1. The full application submitted in my name on XX/XX/year>, in the form Concora and / or XXXX XXXX XXXX received it, including all data fields, timestamps, application channel, and the source of each data field 2. The cardholder agreement and consent record establishing my agreement to open the account 3. The record of how and when the account number was delivered to me as the cardholder, in a form I received and possessed before the transaction was processed 4. Evidence that the XXXX XXXX and Truth in Lending Act account-opening disclosures were delivered to me before credit was extended, and the channel of delivery 5. The full investigation file underlying Concoras XX/XX/year> resolution, including the methodology used, the evidence reviewed, and the findings including the recorded phone call referenced in the XX/XX/XXXX response These records are required to be created and retained by federal law. Concora and XXXX XXXX XXXX are required to produce them on demand under FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research, ALDOUS is a debt collector. They are falsely reporting on my credit! Account XXXX XXXX is falsely reporting credit file and is against my rights and fair credit act. Under U.S. Code 16 of investigation consumer report, you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
In XX/XX/year>, I made a payment of {$430.00} toward my federal student loan account on XX/XX/year>. My account is structured with multiple loan groups, and this single payment was automatically allocated across those individual loan segments. At the time, my loans had recently transitioned out of a deferment period and into active repayment. During this transition, there was confusion regarding due dates and how payments needed to be applied across each loan group to avoid delinquency reporting. Although I made a substantial good-faith payment toward my overall balance, the allocation of that payment across multiple loan groups appears to have resulted in each individual loan not being fully satisfied for that billing cycle. As a result, the account was reported as late for XX/XX/year>. I believe this reporting does not accurately reflect my payment behavior, as a significant payment was made during that period. The issue appears to stem from how the payment was applied and reported across multiple loan segments rather than a complete failure to pay. I previously contacted the loan servicer to request a goodwill adjustment, which was denied. I was advised that if I believed the reporting was inaccurate, I could submit additional information for review. Since that time, I have maintained my account in good standing and have made consistent, on-time payments. This reported late payment is now directly impacting my ability to qualify for a mortgage loan, as it is the determining factor under current underwriting requirements. I am requesting that the company review the XX/XX/year> payment allocation and reporting to determine whether the delinquency accurately reflects the payment made and to correct the reporting if appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Vehicle loan or lease — Loan
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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
This complaint concerns a Navy Federal vehicle refinance loan and Navy Federals handling of the title/lien release after payoff of my prior XXXX XXXX loan . Navy Federal refinanced my XXXX vehicle loan and paid off XXXX XXXX. XXXX XXXX confirmed that the prior loan was paid off and that the title/lien release was mailed in XXXX to a Navy Federal P.O . Box in Pennsylvania. Navy Federal states it has not received the title/lien documentation . Navy Federal later informed me that its P.O. Box is now in XXXX and that mail sent to the prior Pennsylvania P.O. Box needs to be redirected. This raises the possibility that XXXX XXXX sent the title/lien documentation to the Navy Federal address it had on file, but the documentation was lost, delayed, or misrouted during Navy Federals mail-forwarding or internal processing. I contacted Navy Federal about this issue multiple times, including in XXXX, XXXX, XXXX, and again on XX/XX/year>. Navy Federal continued to tell me that I needed to resolve the issue myself. I also contacted XXXX XXXX again. XXXX XXXX stated that if Navy Federal did not receive the original title/lien documentation , Navy Federal must contact XXXX XXXX directly to request a duplicate. I then asked Navy Federal to contact XXXX XXXX directly. Navy Federal has continuously refused to do this and continues to place the burden on me. Navy Federal is now threatening adverse action on my refinance loan, including treating the loan as a personal loan, because Navy Federal says it has not received the title/lien documentation . I have made repeated efforts to resolve this by contacting both XXXX XXXX and Navy Federal, including multiple phone calls to Navy Federal and communication via their secure message system requesting escalation to its title/lien/collateral department . I am requesting that Navy Federal immediately escalate this to its title/lien/collateral department , contact XXXX XXXX directly to request the duplicate title/lien documentation, stop any threatened conversion to a personal loan while this issue is being resolved, and provide written confirmation of the steps taken and the current status of the title/lien issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am filing a complaint regarding a Synchrony Bank no interest if paid in full promotional financing account that resulted in a large and unexpected retroactive interest charge. In XX/XX/XXXX, I made a purchase of approximately {$10000.00} under a deferred interest promotion. I understood this to mean that as long as I made regular payments, interest would be avoided. I consistently made monthly payments of {$270.00} and was never delinquent. However, I later discovered that unless the entire promotional balance was paid in full by the expiration date ( XX/XX/XXXX ), all accumulated interest from the original purchase date would be added retroactively. At the time of expiration, my remaining balance was approximately {$4100.00}, and Synchrony Bank immediately added {$5500.00} in interest, increasing my balance to over {$9400.00}. I believe this structure is inherently misleading. The required minimum payments gave the impression that I was responsibly paying down the balance, yet they were insufficient to satisfy the promotional terms. At no point was it made clear to me in a meaningful or understandable way that I needed to pay the entire balancenot just make regular paymentsto avoid retroactive interest. Importantly, once I became aware of the issue, I acted in good faith and made a lump sum payment of approximately {$8900.00} in XX/XX/XXXX to nearly pay off the entire balance. Despite this, I continued to be charged additional interest. I am requesting a review of this account and a goodwill adjustment or reversal of the deferred interest charges, as I believe the promotional financing terms were not clearly or fairly disclosed in a way that an average consumer could reasonably understand. This situation resulted in thousands of dollars in unexpected charges despite consistent and timely payments on my part. Thank you for your review.

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