vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: OFG BANCORP
State: PR

Complaint narrative:
XXXX XXXX : XXXX XXXX BANK XXXX : # XXXX Tipo : Auto Loan ( Installment ) Estatus reportado : Voluntary Surrender ( XXXX ) XXXX XXXX XXXX : XX/XX/XXXX Balance reportado : {$11000.00} Historial : XXXX OK prolongados Aparicin posterior de late payments y XXXX Voluntary Surrender Reporte activo hasta XXXX con balance, XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXXXXXX XXXX XXXXXXXX : Closed + Voluntary Surrender + balance activo XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX no 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 XXXXXXXX XXXX FCRA XXXX ( a ) ( XXXX XXXX XXXX ). 

XXXX XXXX : XXXX XXXX BANK XXXX : # XXXX Tipo : Auto Loan ( Installment ) Estatus reportado : Paid, Closed ; Paid as agreed XXXX de XXXX : XX/XX/XXXX Balance : {$0.00} XXXX XXXX : XXXX XXXX de XXXX automotriz con XXXX XXXX XXXX, XXXX XXXX de XXXX, y superposicin temporal en XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, no puede coexistir con otra cuenta del mismo acreedor que reporte XXXX XXXX posterior sin documentacin XXXX. 
Esto constituye doble reporte adverso. 

LEYES DE CRDITO APLICABLES : FCRA Fair Credit Reporting Act 1681e ( b ) La informacin debe ser XXXX XXXX XXXX XXXX XXXX ( a ) ( XXXX ) Prohibido reportar informacin incompleta, XXXX XXXX XXXX XXXX ( a ) Prohbe reportes XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Complaint Against : XXXX XXXX Bank XXXX XXXX submitting this complaint due to inaccurate and contradictory credit reporting involving XXXX automobile loan accounts. XXXX account was closed and paid as agreed, while another is reported as a voluntary surrender with an ongoing balance, without evidence of repossession or collateral disposition. 
This constitutes inaccurate reporting under the Fair Credit Reporting Act, including violations of 1681e ( b ) and 1681s-2 ( a ).

The continued reporting of a balance after closure and the duplication of adverse auto loan reporting has caused material harm to my credit profile.

I am requesting the CFPB require immediate correction and deletion of the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Schukei Chevrolet Volkswagen
State: DE

Complaint narrative:
My card has XXXX pending authorized transactions totaling {$31.00} on XXXX  between XX/XX/year> and XX/XX/year>, which remain uncompleted and the funds are frozen. XXXX  states that these transactions are incomplete and cancelled, and I need to contact my card issuer to handle the fees. They also claim that according to XXXX 's transaction rules, if an authorized transaction remains uncompleted for more than 30 days, the card issuer should automatically lift the corresponding fund freeze. I have contacted XXXX multiple times regarding this issue, but have received no effective resolution ; each time they only reply that they are verifying the situation, and then the problem disappears.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MO

Complaint narrative:
Cash App has closed my old account old accounts due to some one elses hacking my old accounts and they used them and Cash App thought it was me so they closed my old accounts due to thinking it was fraud but it is not my fault. When I requested all of my personal information and my old accounts to be deleted from Cash Apps system they said they had deleted it but they didnt. And now they have closed my new account and they still havent reopened it or deleted my account or my personal information as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kikoff Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Date : XX/XX/year> To Whom It May Concern, I am submitting this Cease and Assist request regarding Kikoff Lending and the inaccurate reporting of late payments on my consumer credit report. 
The Kikoff Lending account in question currently reflects a XXXX balance, as the account was paid in full. At the time of payoff, I was advised and assured that any negative payment history, including late payments, would be removed from my credit report once the balance was satisfied. 
Despite fulfilling my obligation and paying the account in full, Kikoff Lending continues to report late payments, which is inaccurate and harmful to my credit profile. This reporting does not reflect the agreement made at the time of payoff and is inconsistent with fair and accurate credit reporting standards. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this matter be investigated and that Kikoff Lending be required to : Cease reporting any late or negative payment history associated with this paid-in-full account, and Correct or delete any inaccurate late payment information currently appearing on my credit report. 
Please treat this letter as a formal request for assistance and correction of this matter. I am requesting prompt resolution and written confirmation once the inaccurate information has been addressed. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I bought a XXXX giftcard at XXXX on XX/XX/year>XXXX  and paid cash. I put XXXX $ into the card, and it shows on my XXXX receipt as well, and when I went home to activate it, my balance was XXXX $ so when I called the helpline the employee was so unhelpful saying they are a third party and that I need to go back to XXXX so I did and I went back to the same XXXX I bought the giftcard at on XX/XX/year>XXXX  and talked to staff at the XXXX return area and they told me the same thing and said since it's not a XXXX XXXX they can't do anything but they will talk to the giftcard staff on my behalf and she was the most uncooperative employee ever. I had a XXXX employee and a XXXX manager explain the situation to them and when the woman said the same answer again and again, that I did not load XXXX $ even when XXXX staff backed me up saying I had physical evidence which was my receipt and the giftcard packaging as well. Then not only me but XXXX staff kept asking the giftcard employee on the phone to pass us to their manager or anyone higher up but she refused nonstop. We tried meeting them half way by even offering to email them the proof of purchase amount and pictures of the original packaging but again the giftcard employee kept saying no and eventually they agreed to give my phone number to their manager but I have not received a call so at this point this is just robbery and would like my money back from them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Blackhawk Network Holdings Inc.
State: GA

Complaint narrative:
This company is a scam. I notice while looking at my transactions money randomly was coming up missing and when I call their excuse was that the money was pending and would have to wait for it to be released which doesnt make sense how can money I never spent be pending. They done illegal activity on my account by causing issues to get me to call in and upon calling in they will act as if helping but will at bad charges to account and force you to dispute adding 60 to 90 days for them to keepy balance. This company is a scam. I have went ahead and filed a complaint with the FBI and I am currently going for some of the people to be arrested and charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I am disputing a debt collection account being reported by this company with a balance of approximately {$820.00}, which I identified on my credit report in late XXXX / early XXXX. 
I

dispute owing this debt as reported because I have not been provided proper validation, including documentation showing the original creditor, the amount owed, and proof that this company has the legal right to collect the debt. I did not receive a written notice of the debt prior to the account being reported to the credit bureaus. Despite the lack of validation, the account continues to be reported as a collection, which is negatively impacting my credit. I am requesting that the company either provide full validation of the debt or remove the account from my credit report if it can not be verified as accurate.

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 2026-01-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
On XX/XX/year> there was a loan of XXXX dollars on a motorcycle that is not in my possession. I got separated on XX/XX/year>. Soon after, I was diagnose with XXXX so I contact synchronized bank if I could bring a deed from the court so the loan could be transfer to my ex-spouse, synchronized bank refused. I asked to contact the other party in the loan, so he can continued making a payment, once again they refused.

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 2026-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I am filing this complaint regarding inaccurate and misleading credit reporting on three federal student loan accounts serviced by Nelnet. 

In XXXX and XX/XX/year>, my accounts were reported as 90 and 120 days past due. I subsequently brought the accounts current, enrolled in an income-driven repayment plan, and all three accounts are now reported as XXXX/ Paying as Agreed with {$0.00} due. 

I disputed the late-payment reporting with XXXX XXXX XXXX XXXX. All three credit bureaus completed their investigations and updated the account status, balance, and payment terms. However, each bureau retained the severe late-payment history for XXXX and XX/XX/year>, despite the accounts now being in good standing. 

I also contacted Nelnet directly and requested correction of the inaccurate late-payment reporting. Nelnet refused to adjust the historical reporting and stated that goodwill corrections are not processed. 

As a result, my credit report continues to reflect severe delinquency on accounts that are currently in good standing, which is inaccurate and misleading to lenders. 

I am requesting the CFPBs assistance to require Nelnet to conduct a proper investigation under FCRA Section 623 and to correct or remove the inaccurate late-payment reporting for XXXX and XX/XX/year> so that my credit report accurately reflects the current status of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CHERRY TECHNOLOGIES INC.
State: CT

Complaint narrative:
Cherry Technology LLC reported fraudulent late payments to the credit bureaus. This reporting is inaccurate and violates the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers may not report information they know or should know is inaccurate. All payments were made on time and in full, making the reported late payments false.

Additionally, 15 U.S.C. 1681s-2 ( a ) ( 7 ) requires that a consumer be notified before negative information is reported. No such notice was ever provided.

Because Cherry Technology LLC reported false late payments without providing the required notice, this reporting is unlawful and must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
on XX/XX/XXXX XXXX XXXX XXXX XXXX went to XXXX XXXX XXXX with my mother XXXX XXXX XXXX, we went into this dealership because i was pre approved for an auto XXXX thru there website. we test drove a few cars and XXXX of witch choose to buy with the stipulations that the front windshield and driver side window were replaced because both where cracked and impeding line of sight. we ended up trading in a XXXXXXXX XXXX XXXX for {$1500.00} which of none reflected on the total of the vehicle we ended up getting a XXXX XXXX that was listed at {$14000.00} and we ended up getting a lone for almost {$19000.00}. my mother is on a fixed income so when we went in there we told them we did not and could not afford a car payment of more then XXXX and then maybe XXXX for insurance. the sales guy that the dealership is saying we talked to is not the guy we talked to its a completely different gentle man. the guy we sat down with the day we got the vehicle was fired literally XXXX days after we got this car they said they would fix the windshield and front window but still the window and windshield is broken and only getting worse. my mother and I went back into the dealership the next day and tried to get our jeep back and return this XXXX and the guy we talked with said the jeep was already sold and there was no goin back on this deal we had not even got paper work yet and he was telling us the jeep we had just turned in was already sold. My mother and i feel we where taken advantage of and feel the dealership used unlawful selling tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
Received a call from a guy that stated he was with paypal and wanted to know if I had purchased items online which I said no. Thanks to my wonderful memory I don't remember exactly what transpired but he I was supposed to go online and follow instructions to rectify issue but somehow it got messed up. I swore that I input XXXX not XXXX but now I think it was rigged but anyway. He stated that I needed to withdraw XXXX from my acct then deposit into a bitcoin machine but it only accepted XXXX, gees what are the odds. So then I had to get another XXXX and try again. I know, feel free to call me stupid. It took all that and yes I have receipts. Then I was instructed to withdraw my XXXX to protect me in case the FTC became involved. Yep, an XXXX and they were very good. I withdrew XXXX but only, yeah only wire transferred XXXX to a coinbase acct. which only shows {$1.00} I was told it couldn't show XXXX of FTC could take, again, stupid. So that's where I am, out of what little life savings I have which totals XXXX. I'm sure I'll never see it again and have learned a very valuable lesson. Thank you for you time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Almost 6 years after moving out of these apartments I suddenly get a notice on my credit report owning them XXXX. I always paid my rent on time it states I owe 6 months of rent and must pay for new paint and carpet cleaning. Those are the owners responsibilities and I could not owe 6 months of rent I would've been evicted I have never had a eviction. I do not know were all this is coming from.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am filing a complaint regarding Bank of Americas improper denial of my fraud dispute involving unauthorized debit transactions following a phone theft and account takeover. 

On or about [ XX/XX/year> ], my mobile phone was stolen. After the theft, unauthorized individuals accessed my Bank of America account and conducted unauthorized withdrawals/transactions totaling approximately {$11000.00} I did not authorize these transactions, did not have possession of my phone, and did not knowingly provide credentials to any third party. 

I promptly notified Bank of America and filed a fraud dispute. Despite this, Bank of America denied my dispute twice, stating that the transactions were similar to prior activity and therefore considered authorized. This rationale is flawed and inconsistent with Regulation E ( Electronic Fund Transfer Act ), which protects consumers in cases of unauthorized electronic fund transfers resulting from device theft and account compromise. 

Similarity to past transactions does not establish authorization, particularly where the account holder no longer had possession of the device and the transactions occurred after a confirmed theft. Bank of America has failed to adequately consider the phone theft, account takeover, and lack of authorization. 

I have also filed a police report documenting the phone theft and subsequent financial fraud ( Police Report # XXXX I am requesting that Bank of America : 1. Conduct a proper reinvestigation under Regulation E 2. Provide the evidence relied upon to deny my claim ( including device, IP, and location data ) 3. Reimburse the full amount of unauthorized transactions 4. Correct any internal records incorrectly indicating these transactions were authorized Bank of Americas refusal to credit my account places an unfair burden on me as a victim of theft and fraud, despite federal consumer protections.

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 2026-01-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: Alorica Inc.
State: CA

Complaint narrative:
The sole and only contract I have was signed by me on XX/XX/XXXX. In that agreement my APR is 8.99 %, there is an annual fee of {$300.00} and I was approved for a line of credit for $ XXXX. ( I have a copy of this contract for your review ). I never missed a payment and had outstanding credit at the time I applied. 

XXXX ceased operations in XX/XX/XXXX and stopped lending altogether. At that tie loan servicing was transferred to Systems & Services Technology ( SST ). They informed me that I now had an interest rate of more than 14 % and my loan had been converted from a line of credit to an installment loan. I began making payments and never questioned it, as I did not realize that SST had completely changed the terms of my agreement. 

Fast forward to XXXXXXXX XXXX XXXXXXXX, I had some challenges financially and when I contacted SST they informed me that I could qualify for a two month relief program without impact to my credit ( my credit was in the mid 700 's at this time ), I was under the assumption that I could skip the next two payments and I realized they reported me for non-payment. It was at that time that I began requesting a copy of my contract reflecting the new terms and to date, they have failed to provide me with a modification or any proof that I agreed to the astronomical increase and new installment loan. 

I have COUNTLESS supporting documents, transcripts and screenshots showing that I have been locked out of the account, the reps have also refused to assist me when I notify them that I am now recording all calls. I even have a transcript and recorded files confirming that agents were not able to reset my account or provide me access to make payments. They had destroyed my excellent credit, and recently several established lines of credit have reduced tens of thousands of dollars as a result of the misreporting and illegal actions from SST. They refuse to assist me, so as of XXXX I elected to inform all of the credit bureaus, hire an attorney ( who will hopefully take my case on in XXXX ) and as of course I am now involving the CFPB as well so others can be aware of this predatory and credit destroying actions SST has created.

Company response to consumer: Closed with explanation