vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: FL

Complaint narrative:
I am disputing the accuracy of the late payment reporting on my account with Global Lending Services. While I acknowledge that the vehicle was repossessed, the payment history provided does not clearly establish a consistent and verifiable timeline of delinquency leading up to that event. The account history contains multiple inconsistencies, including irregular application of payments, repeated late charges, and continuous payment activity without a clearly defined point at which the account became 30, 60, or 90 days past due. The records provided are confusing and do not clearly demonstrate how delinquency was calculated. Under the Fair Credit Reporting Act ( FCRA ), all reported information must be accurate, complete, and verifiable. I am requesting : A clearly itemized timeline showing when the account became 30, 60, and 90 days delinquent Documentation supporting each reported late payment A full explanation of how payments were applied If this can not be clearly verified, I am requesting removal or correction of the late payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/2026, I made a purchase in the amount of {$64.00} through Cash App to a merchant identified as XXXX XXXX XXXX The item was never delivered to me. After contacting both the courier and the merchant, I was informed that the package was returned to the sender. Despite the item never being delivered, the merchant refused to issue a refund. I filed a dispute with Cash App on XX/XX/2026 under the reason I never received the product or service I paid for. Cash App denied my dispute on XX/XX/2026, stating that the transaction was authorized and that no error occurred. This response does not address the actual issue. While the transaction may have been authorized, authorization does not mean the transaction was properly fulfilled. I paid for a product that I never received, and there is confirmation that the item was returned to the sender. Cash App did not provide any proof of delivery or evidence showing that the transaction was completed. They also failed to explain how they determined the transaction was fulfilled despite the facts of non-delivery. Additionally, the merchant stated that returned merchandise would be destroyed and not eligible for a refund, which raises serious concerns about deceptive or unfair business practices. I am requesting that Cash App reopen and properly investigate this dispute as a non-delivery of goods case, provide all evidence used in their decision, and issue a full refund for the amount of {$64.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Date : XX/XX/XXXX To Whom It May Concern, I am writing in accordance with my rights under Section 609 of the Fair Credit Reporting Act ( FCRA ) to request verification of multiple hard inquiries listed on my credit report. I have reason to believe that several of these inquiries may not have been properly authorized. I am requesting that you provide physical proof of authorization for each inquiry, including documentation bearing my signature or any legally binding authorization. The inquiries in question include, but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under Section 609 , I am entitled to see the original source of the information, including signed authorization for each inquiry. If you are unable to provide proper documentation verifying that I authorized these inquiries, they must be removed from my credit report immediately. Please conduct a thorough investigation and provide written results of your findings. If these inquiries can not be verified, I expect them to be deleted in accordance with the FCRA. I also request that you send me an updated copy of my credit report reflecting any changes made. I appreciate your prompt attention to this matter and expect a response within 30 days of receipt of this letter. Sincerely, XXXX XXXX

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 2026-04-10 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I am writing to report that a credit card account issued by Comenity Bank for XXXX was opened in my name without my authorization. I began an application on XX/XX/year> but the page errored out before submission. I did not complete the application, did not consent to opening this account, and did not authorize any credit check or account creation The account was closed on XX/XX/year> upon email notice and I am requesting that you remove any associated inquiries or accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I was contacted by scammers who claimed I had unpaid parking tickets and that my car would be towed if I did not pay immediately. They created a sense of urgency and pressured me into sending payments through XXXX. After I sent the money, I received fake text messages appearing to be from XXXX stating that the payments had been refunded. This led me to believe the transactions were reversed, so I sent the payments again. In total, I sent {$170.00} as a result of this scam. The messages and calls were fraudulent, and I later realized the refunds were not real.

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 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
I am filing this complaint regarding continued electronic communications from Resurgent Capital Services, acting on behalf of LVNV Funding LLC, after I explicitly instructed that all communications must be conducted via United States Mail only. On XX/XX/year>, I sent written notice to Resurgent Capital Services directing that all communications regarding any alleged accounts be conducted strictly via United States Mail, and notifying them of prior violations of this instruction. This correspondence was sent via XXXX XXXX Mail, tracking number XXXX, and XXXX records confirm it was delivered on XX/XX/year> in XXXX, South Carolina. Subsequently, on XX/XX/year>, I again sent written correspondence reiterating this instruction via XXXX Mail, tracking number XXXX. XXXX records confirm this correspondence was delivered and picked up on XX/XX/year> in XXXX, South Carolina. Despite these multiple written notices, Resurgent Capital Services has continued to send collection-related emails, including communications dated XX/XX/year>, XX/XX/year>, and XX/XX/year>. These emails constitute active collection efforts, including : - Requests to review and accept payment offers - Encouragement to access their online portal - Invitations to reply and engage regarding the account This demonstrates a failure to comply with my clearly stated communication preference and constitutes continued collection activity through a prohibited communication channel. This is not an isolated incident, but part of an ongoing pattern of non-compliance. The company was previously notified of these restrictions and violations, yet has continued the same conduct across additional accounts, indicating a failure to implement and follow consumer communication restrictions within its servicing practices. Additionally, this conduct appears to violate the Fair Debt Collection Practices Act ( FDCPA ), including improper communication practices after a consumer has restricted the method of contact. I am requesting that : - All electronic communications cease immediately- The company confirm that my communication preference ( mail only ) has been properly noted and implemented across all accounts- The company review and correct its internal compliance procedures regarding consumer communication restrictions- The account ( s ) be reviewed for compliance with applicable federal law I have retained copies of all correspondence, XXXX tracking records, delivery confirmation, and emails demonstrating this pattern of conduct and will provide them upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NY

Complaint narrative:
Complaint Against IC System , Inc. I am filing this complaint against IC System , Inc. regarding a collection account that was placed on my credit report without my knowledge. I recently discovered this account after receiving a notification from a credit monitoring service. Prior to this notification, I was never contacted by IC System , Inc. through mail, phone, or any other means regarding this alleged debt. I was not given any opportunity to validate or dispute the debt before it was reported to the credit bureaus. This lack of communication is concerning and appears to be a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). Because I was never properly notified : - I was unaware of the debt - I was denied the opportunity to request validation - My credit report was negatively impacted without due process At this time, I formally request : 1. Full validation of the alleged debt, including the original creditor, amount, and proof that I am legally responsible 2. Documentation showing that IC System , Inc. attempted to notify me prior to reporting this account 3. Immediate removal of this account from my credit report if proper validation and notification can not be provided I am requesting that this matter be investigated and resolved promptly. If IC System, Inc. can not provide sufficient proof, I expect this account to be removed from all credit reporting agencies. Sincerely, XXXX XXXX

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 2026-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: Credit Karma, LLC
State: PA

Complaint narrative:
Credit Karma has a Karma Guarantee option for applying for loans. Applied for loan thinking it was guaranteed and was ultimately denied the loan. This effected my credit score and I lost time dealing with the loan company XXXX XXXX XXXX. If I thought I would be disapproved I never would have applied. Applied for loan Tuesday XX/XX/2026 Denied for loan Thursday XX/XX/2026 Also when in process of said lending XXXX XXXX XXXX XXXX XXXX office stated " they are not affiliated with credit karma '' I applied through credit karma so therefore XXXXXXXX XXXX XXXX has to affiliate with credit karma in some entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I am filing a claim against PNC Bank regarding a denied fraud claim involving a XXXX dollar unauthorized transaction through XXXX. I did not authorize this transaction and have never enrolled in or used XXXX with my PNC Bank account. Despite this, PNC denied my claim, stating that the transaction matched my historical pattern of use. This explanation does not demonstrate authorization. A pattern of activity is not proof that I initiated or approved this transfer. Additionally, this and a previous transaction was flagged as suspicious activity. PNC Bank has not provided any evidence that I enrolled in XXXX, authenticated the transaction or otherwise authorized it. I am requesting documentation showing when XXXX enrollment occurred. Conduct a proper investigation in compliance with the Electronic Fund Transfer act. I believe PNC Bank failed to investigate this unauthorized transaction and incorrectly denied my claim. I am requesting a reimbursement of XXXX dollars and a complaint reinvestigation of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the assertion that my card was used via physical insertion and chip authentication. I have obtained evidence demonstrating that the transaction was processed through contactless technology, not by inserting the card. I respectfully request that you amend your records accordingly and reassess the transaction based on this verified information. For clarity, I can confirm that I personally completed the remaining transactions. Thank you for your prompt attention and cooperation.

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 2026-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Prosper Marketplace, Inc.
State: AZ

Complaint narrative:
I got and Email from Prosper for a loan offer. I filled it out but it kept timing out. it was appoved but I had to do it again because it timed out. it was appoved again. It then asked for my Bank routing number and account number. i put it in and then it said we have canceled your loan and gave me other offers at other banks. I emailed and asked if this was a scam. the sent this back, XXXX XXXX, Thank you for reaching Prosper. Were sorry your experience with Prosper hasnt been what you expected. After a recent review, we can confirm that your recent application you submitted on XX/XX/year> was canceled, and your account is suspended for 90 days. Prosper provides loan offers based on your credit profile and information received with your application. At this time, weve determined we can not continue to extend your loan offer based on the review of your information. I was not happy they took the bank information and canceled the approved loan. it is misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hillcrest Davidson & Associates
State: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: SC

Complaint narrative:
I am submitting this formal complaint regarding two private student loans originated in XXXX in connection with my attendance at the XXXX XXXX XXXX XXXX XXXX. These loans were facilitated through applications provided by the institution and issued by XXXX XXXX, and they are currently serviced by American Education Services. At the time I applied, I relied on the schools financial guidance and was not meaningfully informed of federal student loan options or the long-term risks associated with private loans. I now understand that such arrangements have been subject to legal scrutiny regarding whether students were steered into high-cost private loans without adequate disclosure or informed consent. I borrowed a total of {$71000.00}. Since that time, I have made consistent and good-faith payments totaling over {$100000.00}. Despite this, I am being told I still owe {$26000.00}, with an interest rate currently at 8.14 %. Since I have paid {$34000.00} more that the amount I borrowed and I have written twice to AES and once to their parent company, this situation raises serious concerns regarding potential unfair, deceptive, or abusive acts or practices ( UDAAP ) in both the origination and servicing of these loans. Specifically : I was not adequately informed of federal loan alternatives The loan origination process may have involved steering into higher-cost private loans The long-term financial implications of interest accrual and capitalization were not clearly or transparently disclosed The repayment structure has resulted in a total repayment burden far exceeding the original principal, without a reasonable pathway to completion. Given that I have already repaid significantly more than the amount borrowed, I believe the continued enforcement of this remaining balance is inequitable and warrants immediate review and relief. I am formally requesting the following : 1. A review of the loans origination and servicing for compliance with applicable consumer protection standards 2. Meaningful relief in order of appropriate justice : o Full discharge of the remaining balance o Significant reduction of the balance o Interest rate elimination or drastic reduction o A negotiated settlement reflecting the amount already repaid Please consider this letter a formal request for resolution. If this matter can not be resolved directly, I am prepared to pursue further review through the Consumer Financial Protection Bureau and the South Carolina Attorney Generals office, as well as to explore private legal counsel. I respectfully request a written response within 15 business days of receipt of this letter. I have acted in good faith in meeting my obligations for nearly two decades. I am now asking for a fair and equitable resolution. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Grupo Estrella, LLC
State: PR

Complaint narrative:
Today, I received a text message stating that my loan application had been approved, including instructions to contact your office to proceed with receiving the funds. However, shortly after, I received another message stating that my application had been declined. This situation is confusing, contradictory, and unprofessional. As an applicant, I complied with all requested documentation, including identification, proof of income, and bank statements, expecting a clear and transparent process. I formally request the following : 1. A clear written explanation of the actual status of my application. 2. The specific reason for the apparent initial approval followed by a denial. 3. Confirmation of whether this situation was the result of an error or system issue. I understand that credit decisions may vary ; however, it is unacceptable to receive conflicting information that may be misleading. I would appreciate your prompt response to resolve this matter. Each message have different phone number to call and get information. So I call and the just say I was declined, no explanation, not sorry about ir.and I receive first the one of approval and I requested for that for the approval

Company response to consumer: Untimely response
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nationwide Capital Services, LLC
State: GA

Complaint narrative:
I am filing a complaint against Nationwide Capital Services LLC regarding unprofessional and aggressive debt collection practices. A representative identified as XXXX XXXX has engaged in repeated phone communication that I consider harassing. His tone has been belittling, condescending, and unnecessarily aggressive. His conduct has caused significant emotional distress, including XXXX and XXXX XXXX during my work hours. I attempted to resolve this matter directly by contacting the company and requesting assistance. I asked to be reassigned to a different representative due to the nature of the communication. However, I was informed that this request could not be accommodated. I also requested to speak with a supervisor and was connected with an individual identified as XXXX. During this interaction, I requested basic identifying information ( such as last name or employee ID ) for documentation purposes. She refused to provide any identifying details. I found this concerning, as it prevents accountability and transparency. Her tone was also dismissive and unhelpful when I attempted to escalate my concerns. Based on these interactions, I believe the company has failed to address unprofessional conduct and has allowed communication practices that may violate the Fair Debt Collection Practices Act ( FDCPA ), specifically regarding harassment and abusive communication. I am requesting that : 1. All communication be conducted in writing only 2. XXXX XXXX be removed from any involvement with my account 3. The company formally review and address the conduct described above I request that this matter be investigated and resolved promptly.

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