vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Google Compare Credit Cards Inc.
State: FL

Complaint narrative:
I am a consumer in the state of Florida and purchased several XXXX Google XXXX gift cards for a total approximate amount of {$50.00} USD from various online retailers, including XXXX and XXXX. 
When attempting to redeem the digital codes received via email on my Google XXXX account, the system starts a verification process that never completes and prevents me from using the paid balances on several of these digital gift cards. I have followed all Google instructions, including appeal forms, sending screenshots of the digital codes and electronic purchase receipts, and contacting their customer support without receiving an effective solution. Additionally, Google  XXXX XXXX and the retailers ' refund policies are very strict and do not allow gift card returns once purchased, leaving me with no way to recover my money. 
As a result, I have multiple legitimate digital gift card codes, purchased in good faith, whose balances I can not use or recover, causing me significant financial harm. I consider this a systematic issue with Google XXXX 's handling of digital gift cards, affecting more than an isolated transaction.

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 2026-01-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I called on XXXX XXXX to SOFI bank that there was XXXX unauthorized payments made to someone I did not know for {$2500.00} each. Multiple other accounts of mine got hacked into someone had access through my XXXX phone account. I then filed a dispute and received an email XX/XX/year>. That said my dispute was denied. I filled out another appeal and they didnt give me a reason why my dispute was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IN

Complaint narrative:
I have constantly told Toyota Financial Services to quit spam calling me. I have asked for hardships for over a few months and still having issues, but I demanded them to stop spam calling me and harassing me for days about the payments... they declined my hardship requests. Refuse to get me any supervisor to talk about anything or help with anything. I feel they are breaking fair credit laws and I need some help here.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
A police Report was filed with XXXX XXXX as this is criminal fraud and the Case Number is XXXX. On XX/XX/year>, I was contacted by my mother 's boyfriend who informed me that my mother had been arrested the previous night or early that morning for a XXXX in South Carolina. Later that morning, I received a phone call from individuals claiming to be police officers at the XXXX XXXX XXXX. XXXX XXXX payments amounting to {$9800.00} were transferred via XXXX and the bank flagged the payments as suspicious. I am not disputing a bad decision. I am disputing fraud. The fraudster impersonated a legitimate party, and I was the victim of fraud and misrepresentation. Truist Bank engaged in a failure to protect the consumer from known XXXX Fraud patterns. The transaction flagged but was still completed. This is an inconsistent application of fraud safeguards. I filed a dispute of the payments with Truist XXXX XXXX on XX/XX/year> and the claim was closed and denied on XX/XX/year>. I also received a Truist fraud claim number of XXXX. We have a long standing relationship with the bak and maintain a significant balance across our accounts despite our young age. Given the bank flagged these transactions as suspicious yet denied reimbursement, we are reassessing whether this institution aligns with our risk protection needs.

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 2026-01-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
I was stay with someone and they put the internet in my name without my permission and when I found out i reach out to XXXX and request for the company to cancel it and toemove my name because i never authorize it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Shepherd Outsourcing, LLC
State: NY

Complaint narrative:
-Repeated collection attempts by messages and mail. I sent a registered cease and desist letter on XX/XX/XXXX and another letter on XX/XX/XXXX to Shepherd Outsourcing LLC XXXX XXXX XXXX, SC XXXX Ref # XXXX asking for {$3100.00} for C/C debt I explained that my only income was social security, have no assets and am considered judgement proof. They continue to try to collect on XX/XX/XXXX by message..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Feldman & Stern, LLC
State: PA

Complaint narrative:
Feldman and Stern contacted me on XX/XX/XXXX and threatened to have a constable come to my house and seize my car and any 'valuable '' electronic devices to settle my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I lost my edd debt card on XX/XX/year>. I reported to the bank on XX/XX/year>. The bank Said " couldn't verify transaction '' and denied my claim. Even though I reported it within XXXX hrs as required by Electronic Funds Transfer Act. {$2500.00} were stolen from my debit card. They fail to investigate my dispute. XXXX XXXX needs to return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information on reporting to my credit report. These remarks have been detrimental to my life and my credit health.

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 2026-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: UNITED AUTO ACCEPTANCE
State: GA

Complaint narrative:
On XX/XX/XXXX, I purchased and financed a XXXX XXXX XXXX XXXX through United Auto Acceptance after it was sold by XXXX XXXX XXXX XXXX. The vehicle was represented at sale as having no accidents, a clean title, and being just serviced/ ready to drive. 

Within approximately XXXX weeks of purchase, the vehicle became undrivable. The dealers service department diagnosed a cracked head gasket, a severe mechanical defect that necessarily existed prior to sale and was not disclosed at the time of purchase. The dealer declined to assist with towing costs or provide any remedy. 

I made repeated good-faith attempts to resolve the issue directly with the dealer. After receiving no resolution, I sent a certified Demand for Remedy on XX/XX/XXXX, which was delivered on XX/XX/XXXX. The letter requested rescission of the transaction or other corrective action and provided a five-business-day deadline, which expired on XX/XX/XXXX, with no response. 

A Final Notice Failure to Respond was sent by certified mail on XX/XX/XXXX to both the dealers ownership office and the dealership location where the vehicle was purchased. No response has been received. 

Because the loan arose from dealer misrepresentation and the dealer has refused to respond after certified notice, I am requesting assistance with rescission of the auto loan, confirmation that no negative credit reporting will occur while the dispute is pending, and correction or removal of any inquiries or tradelines associated with this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: NY

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I dispute this alleged obligation in its entirety. 
At this time, I have no contractual agreement, acknowledgment, or legal obligation establishing that I owe this debt. Until proper verification is provided, this debt must be considered unverified and disputed. 
Under 15 U.S.C. 1681s-2 ( b ), you are required to conduct a reasonable investigation of any disputed information. Additionally, under 15 U.S.C. 1692e, you may not use false, deceptive, or misleading representations in connection with the collection of any debt

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Good morning, im just seeing that i have a fraudulent account with Wells Fargo that i did not open nor do anyone else have the authority to open a a business account with Wells Fargo. I have an outstand balance that i did not create or spend. I never walked into a branch or anything to open the account. i dont want this to report to early warnings system or XXXX. can you please remove this account and look into who opened this account. my business is called XXXX XXXX XXXX XXXX i did not open an business bank 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 2026-01-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Form 1099-C for Charged-Off Debt Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request a copy of Form 1099-C ( Cancellation of Debt ) for a charged-off account under my name. 
My details are as follows : Full Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Social Security Number : Last 4 - XXXX Date of Birth : XX/XX/XXXX The account in question was charged off in XX/XX/XXXX, and I have not yet received a Form 1099-C for this canceled debt. According to IRS regulations, creditors are required to issue this form when a debt of {$600.00} or more is canceled. 
Please send the requested form to the address mentioned above at your earliest convenience. If you require any additional information or documentation to process this request, do not hesitate to contact me Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate and fraudulent credit information that continues to be reported on my credit report by TransUnion, despite extensive documentation proving that these items do not belong to me or are being inaccurately reported. 

For nearly a year, I have been disputing accounts, inquiries, and public records that are the result of identity theft and inaccurate reporting. These include the following items : XXXX XXXX XXXX Automobile loan This account is reporting a charge-off / profit and loss write-off with a remaining balance and derogatory payment history. I did not open, authorize, or benefit from this auto loan. This account is the result of identity theft. 

XXXXXXXX XXXX XXXXXXXX Hard inquiry dated XX/XX/XXXX I did not authorize, initiate, or apply for credit with this company. This hard inquiry was placed on my TransUnion credit report without my permission and is the result of identity theft. 

XXXX XXXX XXXX  Filed XX/XX/XXXX This public record continues to be reported on my TransUnion credit report despite being discharged. The continued reporting of this bankruptcy is inaccurate and is further compounding the harm caused by the identity theft issues already documented on my file. 

I formally reported the identity theft and took all required steps to resolve this matter. I submitted an FTC Identity Theft Report, a police report, and a notarized identity theft affidavit to TransUnion. These documents establish that the above account and inquiry do not belong to me and that the reporting on my credit file is inaccurate. 

Despite submitting this documentation multiple times and following TransUnions dispute procedures, the fraudulent account, unauthorized hard inquiry, and inaccurate public record remain on my credit report. TransUnion has failed to properly investigate, correct, or block this information as required under the Fair Credit Reporting Act.

The continued reporting of these inaccurate items has caused ongoing harm to my credit profile, including derogatory account status, negative payment history, an unauthorized hard inquiry, and improper public record reporting. 

This issue has been ongoing for almost a year. I am requesting CFPB assistance to require TransUnion to conduct a lawful reinvestigation and permanently remove or correct all inaccurate and fraudulent items listed above.

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 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contacted XXXX XXXX  XXXX XXXX about an alleged debt that showed up on my credit report. When I spoke with the representative XXXX he informed me that in order for him to verify the debt I had to pay a {$1.00} fee for him to verify the debt. I asked him why do I have to pay a fee of my alleged debt was in their office? He said that it was a federal requirement and when I asked him what federal requirement he responded with I dont know. I just work here and do I want help or not. I asked him could I speak with a supervisor and he asked me again do I need help or not?

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 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: TX

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 number is XXXXXXXX XXXX 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 2026-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I am writing to the CFPB to seek assistance regarding my federal student loans for The XXXX XXXX of XXXX, where I was enrolled from XX/XX/XXXX through XX/XX/XXXX. 

On XX/XX/XXXX, the Department of Education announced a {$6.00} billion group discharge for approximately XXXX borrowers who attended The XXXX XXXX. The Departments investigation found that the school engaged in " pervasive and substantial misrepresentations '' regarding job placement rates, salaries, and career services.

While my classmates and peers from the same program have had their loans cleared, my account remains active and is currently being reported as a valid debt.

1. The Inconsistency of Enrollment Dates : I believe I am being excluded from the automatic discharge due to an arbitrary computer filter that uses a XX/XX/XXXX start date. I was a victim of the exact same deceptive recruitment, false employment statistics, and " malicious intent '' during my XXXX and XXXX enrollment years as those who enrolled in XXXX. The schools misconduct did not begin on XX/XX/XXXX ; it was a systemic institutional practice throughout my entire tenure. The school itself even sent out information leading me to believe my loans would be forgiven. 

2. Urgent Servicer Transfer Issue ( Nelnet to XXXX ) : To further complicate matters, my loans are currently being transferred from Nelnet to XXXX. I am deeply concerned that this transfer will cause my account to fall into an administrative " black hole '' where my history of attendance and eligibility for the XXXX XXXX discharge will be lost. XXXX has a documented history of processing backlogs, and allowing the transfer of a fraudulent, disputed debt only increases the risk of financial harm and incorrect credit reporting. 

Requested Resolution : I am seeking the following actions : XXXX. Stop the Transfer : I request that the CFPB direct the Department of Education and Nelnet to halt the transfer to XXXX until my eligibility for the XXXX XXXX group discharge is reviewed and corrected.

2. Administrative Forbearance : Immediately place all my loans in administrative forbearance to stop collection activity and interest accrual. 
3. Apply Full Discharge : Apply the XX/XX/XXXX XXXX XXXX group findings to my entire XXXX enrollment period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I contacted Experian to dispute several hard inquiries. I am not claiming fraud or identity theft. I am disputing the permissible purpose of the inquiries, which is a valid dispute reason under the FCRA. Experian refused to take my dispute, refused to forward it to the furnisher. They stated that they only investigate inquiries for fraud, which is not accurate under the FCRA. I am requesting that Experian be required to accept and process my dispute and conduct a reinvestigation.

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 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

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 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
CFPB Complaint Cavalry Portfolio Services , LLC FDCPA & FCRA Violations I am filing this complaint against Cavalry Portfolio Services , LLC regarding their unlawful collection practices and inaccurate credit reporting related to an alleged account they claim to own.

Cavalry Portfolio Services is not the original creditor of this alleged debt. They are a third-party debt buyer. I dispute this alleged debt in its entirety and do not acknowledge any obligation to Cavalry.

On or about [ insert date ], I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), by sending Cavalry a formal written cease-and-desist notice demanding that all communications regarding this alleged account stop immediately. Despite this, Cavalry has continued to report, verify, and maintain this collection account on my consumer credit reports.

Cavalry is reporting a collection tradeline with a balance of {$510.00} without providing competent evidence that they have lawful ownership of the alleged debt, authority to collect, or the right to furnish information to consumer reporting agencies. The tradeline lacks required material information, including but not limited to : Identification of the original creditor Date of first delinquency Proof of assignment or chain of title Contractual authority to claim the amount reported By continuing to report and/or verify this alleged account without proper substantiation, Cavalry is furnishing inaccurate and incomplete information in violation of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ).

Additionally, Cavalrys continued collection activity and credit reporting after receipt of my cease-and-desist notice constitutes unfair, deceptive, and misleading conduct in violation of FDCPA 1692c ( c ), 1692e, and 1692f.

I am requesting that the Consumer Financial Protection Bureau require Cavalry Portfolio Services , LLC to : 1. Cease all collection activity immediately 2. Delete the collection tradeline from all consumer reporting agencies 3. Provide written confirmation that the alleged account has been closed and will not be sold or transferred I reserve all rights and remedies available under federal and state law. 
Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief