vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and potentially unverifiable reporting on my credit report related to a repossessed and charged-off auto account. This account is being reported as a charge-off and repossession ; however, the information being furnished appears inaccurate, incomplete, and not fully verifiable under the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the accuracy of : * The reported payment history, which shows inconsistent and incomplete reporting of delinquencies and charge-off updates * The balance reporting, including the accuracy of the remaining balance and any deficiency amount following repossession * The reported Date of First Delinquency ( XX/XX/year> ) and whether it is being properly used for credit reporting time limits * The lack of clear reporting regarding repossession sale/auction proceeds and how the remaining balance was calculated * Ongoing monthly reporting of charge-off status that may not accurately reflect the actual status of the account * Missing or incomplete account activity details, including date of last activity and proper historical updates Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers are required to provide complete and accurate information and to correct any information that is inaccurate, incomplete, or can not be fully verified. At this time, I am requesting that the company conduct a full review of this account, including : * Full payment ledger/history * Proof of repossession and disposition of the vehicle * Itemized deficiency balance calculation * Documentation supporting the reported Date of First Delinquency * Confirmation that all reporting to credit bureaus is accurate, complete, and not misleading If the company can not provide complete documentation verifying the accuracy of this reporting, I am requesting that the account be corrected or deleted from all credit reporting agencies. I am requesting a formal written response outlining the findings of the investigation and all documentation relied upon to verify this account.

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 2026-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: LA

Complaint narrative:
Im writing to file a complaint against AFFIRM INC for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 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:
Capital One failed to respond to a Round 1 FCRA dispute delivered via certified mail on XX/XX/year> ( XXXX pieces, both signed " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX UT ). The XXXX statutory response window expired XX/XX/year> with no substantive written response received. Fresh credit reports pulled XX/XX/year> reveal an active cross-bureau balance inconsistency for this account : XXXX reports {$980.00} while Equifax and TransUnion both report {$1000.00} ( both updated XX/XX/year> ). All three balances exceed the {$800.00} credit limit, reporting an overlimit condition based on figures that are internally inconsistent across bureaus. Capital One updated XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> following the dispute without providing any written response to the consumer. Desired resolution : ( 1 ) correct the reported balance to a single verified consistent figure across all three bureaus ; ( 2 ) reconcile and explain the cross-bureau discrepancy ; ( 3 ) correct overlimit status if the accurate balance does not exceed the credit limit ; and ( 4 ) if the reported information can not be verified, delete the tradeline from all three bureaus and provide written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: MoneyLion Inc.
State: TX

Complaint narrative:
In XXXXXXXX XXXX XXXX I was on the XXXX website reading about their different products. Due to deceptive practices instead of being signed up for a free account WHICH THEN COULD START A LOAN, this went directly to a {$1000.00} installment loan. I saw that this happened in the website, and IMMEDIATELY emailed the ML customer service address ( only a contact us link ) explaining the situation, and requested that the account be cancelled. No response. I emailed a second time 2 days later, this time DEMANDING closure. No response. The first week of XX/XX/year> I receive an email " reminding me that I have a payment due. '' 3rd email to ML, no response. In XXXX, " You missed a payment '' and " XXXX payment due '' TEXT reminder was sent to me. Suspicious, I checked my credit- Sure enough Money Lion had already reported a missed payment, and subsequently reported a second missed payment. I have disputed this so many times but each time it remains on my credit. This company refuses to contact me back, and I had absolutely no interest in an installment loan. People have enough money worries without being signed up for a fraudulent account.

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 2026-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I am filing a complaint regarding USAAs handling of my debit card dispute involving two charges from XXXX XXXX on XX/XX/year> totaling {$110.00}. While traveling from XXXX to XXXX, I had already paid for my baggage prior to boarding. During boarding, airline personnel stated they could not verify my prepaid carry-on baggage and charged me an additional {$87.00}. After boarding the aircraft, I located proof showing the baggage had already been paid for and immediately attempted to notify airline staff. I was instructed to file a dispute directly with the airline. Additionally, a separate charge from XXXX in the amount of {$30.00} appeared on my account the same day that I do not recognize or authorize. I submitted supporting documentation to USAA, including proof of the prepaid baggage and details regarding the unauthorized charge. Despite providing this evidence, USAA poorly handled the dispute and did not appropriately resolve or adequately investigate the matter. I am requesting a proper review of both disputed transactions, reimbursement for the incorrect and unauthorized charges, and confirmation that USAA followed all required dispute investigation procedures under applicable consumer protection regulations.

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 2026-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: LAKE MICHIGAN CREDIT UNION
State: MI

Complaint narrative:
XX/XX/year> private party purchase at LMCU Ann Arbor branch. LMCU took possession of title. Was told I could drive vehicle so long as I had a copy of the purchase package in car. This is actually against state law. O can only drive the car to my residence. XX/XX/XXXX I called XXXXecretary of State to see of they had received my registration from LMCU. They had no record of the vehicle. Called LMCU XXXX XXXX and was told they were waiting on the title. I told them they had the title and I was told someone would call back. Someone under XXXX told me they had lost my title and were trying to find it. He would call me.back. XX/XX/XXXX I call back the XXXX because I have heard nothing. I am told that they are still trying to find it. The package made it to their title office but my title was missing, along with several other important documents. I am told I should ask seller for a.duplicate title. XX/XX/XXXX, make loan payment even though I can XXXX XXXX my car. XXXX told there is nothing they can do about this because I signed the loan. XX/XX/XXXX, I call and check in again. Still nothing. XX/XX/XXXX, I recieve duplicate title and being into bank. XXXX refused the chance to submit the documents myself. XX/XX/XXXX, I call to see if title has been sent and it has not. XX/XX/XXXX, call dircetly to title office to get answers and expedited service. Am.told someone will call me back. No call. I have also been emailing my loan XXXX who keeps telling me it is legal XXXX XXXX an unregistered vehicle. XX/XX/XXXX wi be 2 months since purchase. In this time I have had to pay more money to repair my battery which has gone dead because I can XXXX XXXX my car. I commute to work and have XXXX XXXX XXXX XXXX XXXX XXXX will be 2 months without a means of transportation.

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 2026-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
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: MORGAN STANLEY & CO. LLC
State: HI

Complaint narrative:
I have a 30yr fixed conventional mortgage on my primary residence. Beyond disagreement with reinitiating my loan 30yr timeframe to XX/XX/year> through XXXX/XXXX ( XXXX XXXX XXXX, I was required to provide two paystubs from a state job that delays all payroll four weeks so closed initially with family support as backing until providing paystubs. This did benefit in foregoing PMI application. I made repeated double payments when possible, especially upfront in the mortgage. Late I made additional principle payments monthly that were confirmed repeatedly to address principle pay down. Unfortunately, a XXXX amortization schedule and lack of Morgan Stanley Home Loan support ( I continue to see banners alerting the deference of accuracy and responsibility to third party loan handling company XXXX XXXX ) leave me holding considerable documentation to payments made and amortization schedules that are misaligned by nearly a DECADE! I fear this 'mistake ' is not limited to my account. I have repeatedly attempted to achieve correction and full payment records. Neither has occurred. Please note I have never made a late or incomplete payment since initiating this loan XXXX Morgan Stanley Home Loans. After a series of complains I initiated, the mortgage portal response provided a single document " Loan History XXXX '' that has no correlation to the amortization schedule nor provide the full duration of loan activity. The Morgan Stanley Home Loan online portal prohibits access to history beyond three months. I believe I provided a reasonable and direct series of requests and have been provided subpar response without assurance the actual payment application and adjustments to amortization schedule will be addressed without outside oversight. It is quite concerning. Example : My present amortization schedule stipulates full payments continue through XXXX. On A mortgage I've made considerable additional principle payments to since inception and never missed a payment on since inception and have a number of sequenced amortization schedules from Morgan Stanley they refuse to provide collaborative account on for comparison. This is obscene. Six years of timely payments to a fixed, conventional mortgage in full without additional principle payments would mandate an amortization ending in XXXX. This is fraud. I have no faith in Morgan Stanley and regret ever conducting business with this company. I have repeatedly attempted to remedy this grievous error and fear many other consumers are unwittingly being subjected to a process intended to extort years of additional payments. If this was not the case, I should have been given direct correction of the accounting 'error '. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Hanwha QCells USA Corp
State: TX

Complaint narrative:
I am filing a new, separate complaint against EnFin for major unfair, deceptive, and predatory practices regarding loan origination and the misapplication of tax credit terms. The lender previously claimed their disclosures were met, but completely failed to address the following structural issues with how this debt was created : COMPROMISED ORIGINATION PROCESS & COERCION The lender relies on an " independent verification welcome call '' to validate this loan. However, this call was completely compromised. The installer 's sales representative was physically present in my home, used HIS OWN personal mobile device to place the call to EnFin, and controlled/coached my answers under immense pressure. EnFin accepted a verification call coming from the salesmans phone number rather than the consumer 's, violating basic lending integrity and clean-call standards. PREDATORY TAX CREDIT STRUCTURE & FRAUDULENT INDUCEMENT The loan was structured as a " Tax Credit Trap, '' a practice the CFPB specifically highlighted in its Solar Financing Issue Spotlight. The sales representative explicitly lied to me, stating that I would keep the {$7000.00} federal tax credit as a cash windfall AND keep my monthly payment at the introductory rate of {$100.00}. This deliberate misrepresentation by the lenders authorized dealer directly induced me to sign. Because I relied on this deceptive instruction, the loan automatically re-amortized to a punishing {$140.00} monthly payment. UNCONSCIONABLE DEALER FEES The true cash value of this XXXX XXXX system is approximately {$14000.00}. The principal balance was inflated to over {$23000.00} using hidden " Dealer Fees '' charged by EnFin to the installer and passed covertly to me. This massive markup was never transparently disclosed as a finance charge, violating the spirit of the Truth in Lending Act ( TILA ). Under the FTC Holder Rule ( 16 C.F.R. Section 433.2 ), EnFin is fully liable for the fraudulent tactics used by their partner, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, to secure this debt. New CFPB Complaint : Desired Outcome ( Box XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, my friend called me offering my little brother a job opportunity as a XXXX XXXX XXXX XXXX XXXX XXXXXXXX My little brother hasn't worked in years and was really excited about this job offer. My friend told me he needed money upfront to pay for the XXXX XXXX certificates, uniform, and other things. He even picked up my little brother and took him to buy some XXXX XXXX. He stopped answering his phone and replying back to our messages after a couple of days. I sent him money through XXXX and cash app and my little brother also sent him through XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Hanwha QCells USA Corp
State: FL

Complaint narrative:
Enfin/Qcells is withholding a financial payoff demand for my XXXX solar contract, which is actively blocking the sale of my home and interfering with a real estate transaction. I requested the payoff amount on XX/XX/XXXX. I was told after repeated phone calls to collect this information that it takes 10 business day. It has now been more than 10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: WA

Complaint narrative:
Im writing to file a complaint against ALDOUS for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 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: IL

Complaint narrative:
PayPal temporarily restricted my business PayPal account in XXXX with a total of XXXX in transactions to me that day. This is my business account and there shouldnt have been no red flag to restrict it at that time. So moving forward I told the representative on the chat I couldnt versify some of the information they were asking to restore my account as the proof and documentation was destroyed when my apartment was broken into, and my phone was stolen as well. I couldnt provide what they was asking to restore my account by XX/XX/year> so they permanently closed my account. Now they are saying I have to wait 120 days for the funds to be released. Thats crazy to hold my funds from XXXX to end of XXXX especially since no one has disputed those transactions that took place in XXXX. I feel is is truly extreme to hold someones money to their disclosures and release it so late thats should really be illegal! I know many people hace filed lawsuits against PayPal and Im thinking about pursuing that avenue. This isnt the first time this has happened. I discourage anyone with a PayPal business or personal to close their account with PayPal because things like this happens way to often when they just feel like it no warning or anything or true reason as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CO

Complaint narrative:
I am submitting this complaint regarding MOHELAs failure to process my repeated requests to remove/waive my in-school deferment so I may continue making qualifying payments toward Public Service Loan Forgiveness ( PSLF ) . XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have repeatedly contacted MOHELA and submitted documentation requesting removal of my in-school deferment because I do not wish to pause repayment. My goal is to remain on my Income-Driven Repayment ( IDR ) plan and continue making qualifying PSLF payments. Despite multiple contacts and document submissions, MOHELA has failed to timely process my request. I have continued following up through phone calls, portal messages, and complaints submitted through StudentAid.gov. I have specifically explained that these delays may cause loss of qualifying PSLF payment months and create long-term financial harm. The issue is not that I can not pay. The issue is that I have actively attempted to return my account to repayment status, but MOHELA has failed to process the request or provide a clear resolution timeline. I remain concerned that administrative delays outside of my control may negatively impact PSLF eligibility and qualifying payment counts. I am requesting : * Immediate processing of my deferment waiver/removal request * Return to active repayment status under my IDR plan * Review of any PSLF qualifying months negatively impacted by these servicing delays * Clear written communication regarding the status of my account and requests I have maintained records of communications, submissions, and complaint filings related to this issue.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
My Cash App balance was stolen via an unauthorized Instant Transfer. The unauthorized transaction number [ XXXX ] and it was sent to a card ending in [ XXXX XXXX XXXX XXXX XXXXXXXXCash App 's emergency support is unresponsive. '' Time XXXX XXXX They also borrowed {$420.00} and did an {$100.00} XXXX loan

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Selene Holdings LLC
State: MN

Complaint narrative:
My mortgage was bought out by Selene Finance from XXXX XXXX XXXX on or around XX/XX/XXXX. Since then, I had requested payments in the amounts of {$1000.00} x 4 for XXXX, XXXX, XXXX & XX/XX/XXXX ; as it didnt seem they were applied correctly. They asked for a copy of the ACH payments, I sent it 3 times because they asked for a particular format. They never sent me the payment log in their system. Also, my online portal only goes back to XX/XX/XXXX. I have no record of the previous mortgage company ; XXXX XXXX XXXX. I did file a bankruptcy that I paid back in XXXX, because they threatened foreclosure. My payoff balance was {$71000.00} 3 years ago, and it is now {$77000.00}. I recently had my renters move out on XX/XX/XXXX ; they had many very, late payments for the past 6 years, and it messed my credit up. This was why I had them move out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Im writing to file a complaint against Portfolio Recovery Associates , LLC for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with explanation