vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one Loan I had to always agree to a plan that was not realistic for me to pay. If I didnt agree I wouldnt get the agreement for the settlement or any payment plan. I would always say to them please stop telling me that you are going to help me when youre not. I am currently homeless, I work an XXXX XXXX XXXX XXXX from my work place. My car was repossessed from the XXXX. If I had my car I could have gotten caught up a little with XXXX XXXX. I currently make {$700.00} to {$800.00} a week. I just had gotten a XXXX job to help out with bills XXXX weeks after I started my car get repossessed. I had to already cut down hours on the new part time job because it cost me {$50.00} to get home. Yes Capital one called me when I answered and said hello the call dropped XXXX. That happened XXXX XXXX XXXX week close to the payment due date. I was trying to wait closer to the day that I could actually pay them to answer. On my birthday XX/XX/XXXX they did call and I had all intentions on paying on Friday XX/XX/XXXX however they repossessed my car on the night of my birthday. Usually they would send me text saying something about repossession all the texts were saying please give us a car we have offers to help you. No one spoke to me on the phone. I paid that whole loan by myself. I am devastated because there is no way I can pay {$5.00} XXXX dollars at once, if I could why was I on a payment plan. There Repossessions Department said that they dont have any more options to offer. I tell you know lie if the text would of said repossessions would occur, I would of made sure I picked up all I was trying to do was get the payment towards a due date that was more reasonable instead of the beginning of the month when I had to pay rent. I need help getting my car back my extension will be over soon, Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: KS

Complaint narrative:
My account was locked due to suspicious activity. I called to request a way to transfer my funds. They refused to give me a phone number to call those investigating my account so I can access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
I had my phone and wallet get stolen. While I was incarcerated and I got out and find this out. I finally got a phone and reported the fraud to XXXX and I sent them the document from the jail showing I was in there custody and could not have made these transactions. When I finally got back into my email I had seen where the guy that got my phone and did all kinda stuff with my paypal and XXXX account and had changed my address and password my pin number applied for a credit card stole everything I had. I reported it to XXXX and they did there investigation and approved all the very low dollar amount transactions but they denied all the larger transactions from the same merchant on the same day. I reported this to XXXX and they reopened the investagtion. And then closed my account and stop emailing me back and have done everything to avoid me. When I provided them with proff and I did nothing wrong I'm the victim and they just dropped me and will not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one recently closed XXXX of my credit card accounts ( XXXX personal, XXXX business ). They gave me XXXX warning of wrong doing. THIS IS INCREDIBLY FRUSTRASTING. These cards were closed on XX/XX/year>. a XXXX card with XXXX limit, a XXXX with XXXX limit, and venture XXXX with about XXXX limit, and business credit card with {$5000.00} limit. XXXX of the customer service reps mention I made many payments in a short time frame, but I totally look at it as me doing the RIGHT THING ; WHICH IS PAYING DOWN My BALENCE. How am I getting penalized for doing to right thing? Why couldn't capital one reach out to me to ask questions about fraud. TO close XXXX credit cards at once is NOT good business ; especially since I'M a great customer for over XXXX years!!!! I have always had a great relationship with my capital one bankers, customer service and company. I truly don't understanding why they'd do this. I have have been a customer and a card holder of capital one for about XXXX years. XXXX of the XXXX cards they closed i had for XXXX years. I have always paid my monthly payment on time and never did anything fraudulent with this company or in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC ( Account # XXXX ) XXXX XXXX XXXX XXXX SC XXXX Re : Cease and Desist Communication Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ) To Whom It May Concern, This letter serves as formal notice that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), to demand that you cease all communication with me regarding the alleged debt referenced in your records. You are hereby instructed to immediately stop all forms of communication with me, including but not limited to phone calls, emails, text messages, and written correspondence, except as permitted by law. Under the FDCPA, you may only contact me further to : 1. Advise that your collection efforts are being terminated ; 2. Notify me that you may invoke specific remedies ordinarily available to you ; or 3. Notify me that you intend to invoke a specific remedy. Be advised that any further communication outside of these exceptions will be considered a violation of federal law. I will document all such violations and may pursue legal remedies, including reporting your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, if you believe this debt is valid and enforceable, you are required to comply with all applicable provisions of the FDCPA and any other relevant laws. This notice is not an acknowledgment of any debt, nor does it constitute a refusal to pay. It is a demand for you to cease communication in accordance with federal law. Please confirm in writing that you have received this request and that you will comply. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Request for Debt Validation Dear Sir or Madam, I am writing in response to your communication regarding an alleged debt. I am requesting validation of this debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). Until you provide proper validation, I request that you cease all collection activities and communication with me regarding this matter. If this debt can not be validated, I request that it be removed from my credit report and that no further contact be made. Please note that this is not a refusal to pay, but a request for validation. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I have paid off the card and told me to cancel it. i no longer wanted anything to do with their company. the spokesperson acknowledged that the account was closed. a month or so later i get an invoice saying there were fees that hadn't posted yet. and in good faith i paid them {$150.00} approximately and the spokesperson stated that my account was closed and that I was completely done with the company and that i would never receive another invoice. a month later I get another invoice saying I owe {$3.00}. I call the number on the invoice XXXX the spokesperson told me that there was XXXX accounts. I explained to him that I only opened XXXX account. he took the account number and said that there was a fee that had XXXX across after I cancelled the card on XX/XX/XXXX and that they would not be able to waive the {$3.00}. He also told me that he could not give me any information on the other account because I did not have the account number.. I have also NEVER received an account closed letter despite being told TWICE my account is closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account on my XXXX and XXXX credit reports with a balance of XXXX dollars. The tradeline contains improperly re-aged information in violation of the Fair Credit Reporting Act, XXXX U.S.C. Section XXXX and Section XXXX ( b ). The tradeline lists Date Opened as XX/XX/XXXX. This is the date XXXX XXXX purchased the debt, not the date the underlying account was actually opened. XXXX XXXX 's own tradeline acknowledges the XXXX XXXX as Synchrony Bank. The original Synchrony account was opened on XX/XX/XXXX and went into delinquency in XXXX. By reporting their purchase date as the Date Opened, XXXX XXXX makes the account appear newer than it actually is, which damages my credit score beyond what federal law allows and creates a misleading impression of the account 's true age. This is improper re-aging and a violation of FCRA accuracy requirements. XXXX XXXX 's own tradeline acknowledges the estimated removal date is XX/XX/XXXX, confirming this is an old debt subject to the FCRA XXXX XXXX reporting limit. Despite this acknowledgment, they continue to report a re-aged Date Opened that misrepresents the true age of the account. I previously filed a dispute through the credit bureaus regarding this tradeline. The remarks on the current tradeline state Completed investigation of FCRA dispute, consumer disagreed, indicating XXXX XXXX verified their inaccurate reporting rather than correcting the re-aged Date Opened field. Additionally, the original Synchrony Bank tradeline on my credit report shows the same underlying account with serious delinquencies in XXXX ( XXXX to 120 days late from XXXX through XX/XX/XXXX ) and was closed on XX/XX/XXXX during the delinquency period. The account can not be both Paid as agreed ( as Synchrony reports ) and an unpaid collection ( as XXXX XXXX reports ). XXXX or both of these reports is inaccurate. I demand that XXXX XXXX either correct the inaccurate Date Opened field across all credit bureaus to reflect the original account opening date of XX/XX/XXXX, or cease reporting this tradeline entirely.

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 2026-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I noticed a collection account being reported on my credit report that I do not recognize and do not believe belongs to me. I formally requested validation of this alleged debt, including a copy of the original signed agreement, full account history, and proof that I am legally responsible for the account. The company has failed to provide sufficient documentation to verify that this debt is mine. Despite the lack of proper validation, the company continues to report this account on my credit report, which is negatively impacting my credit. I am requesting that this account be investigated and removed immediately if the company can not provide proper verification that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am filing this complaint regarding Select Portfolio Servicing, Inc. ( SPS ) for unfair and inconsistent mortgage servicing practices while my home is in active foreclosure. I made good faith efforts to complete a loan modification by signing, notarizing, emailing, uploading to the SPS XXXX, and mailing the agreement using the prepaid label provided by SPS within the required timeframe. Any delay in physical delivery was caused by the shipping XXXX, not by me. Despite this, SPS rejected my completed agreement and continued foreclosure activity. At the same time, SPS : Requested additional documents Continued reviewing my application Postponed the foreclosure sale multiple times This shows that my application is active, yet foreclosure continues simultaneously. In addition, SPS XXXX instructed me by phone to make payments, but SPS later refused to accept payments unless they fully cured the loan and then claimed that I failed to make payments. This created a situation where I was willing and attempting to make payments but was prevented from doing so. SPS has exercised discretion by extending deadlines and postponing the foreclosure sale, but has refused to apply that same flexibility to accept my timely submitted documents or allow me to complete the modification process. This inconsistent handling has deprived me of a fair opportunity to resolve my loan and avoid foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I disputed this alleged debt with the company and requested full validation, including a signed agreement, complete payment history, itemized balance, and proof of ownership of the debt. The company failed to provide proper validation and instead sent generic statements that do not meet federal requirements. Despite this, they continue reporting the account to credit bureaus. This account has also been reported by multiple companies, creating duplicate reporting of the same debt. This is inaccurate and misleading. I am requesting immediate deletion of this account from all credit reporting agencies due to failure to validate and improper reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
Complaint Against XXXX ( XXXX, XXXX ) Issue : Unauthorized charges, failure to deliver funds, and account restriction preventing access to funds Company : XXXX ( a service of XXXX XXXX XXXX ) Summary of Complaint : I am filing this complaint regarding a failed transfer, duplicate financial loss totaling {$1200.00}, and restricted access to my funds by XXXX. On XX/XX/year>, I initiated a {$600.00} Add Funds transfer from my bank account to my XXXX account. The {$600.00} was successfully withdrawn from my bank account ; however, the funds never appeared in my XXXX balance. Because the funds were never delivered, I filed a dispute with my bank for the {$600.00} transaction. ( My bank is saying the successfully transferred the money and its on XXXX that it never showed up since they initialed the transfer ) Despite this, on XX/XX/year>, XXXX deducted an additional {$600.00} directly from my XXXX balance because they were upset my bank disputed the charges. They should have paid it back, but instead it came from my balance with XXXX. This resulted in a total loss of {$1200.00} : - {$600.00} withdrawn from my bank account but never received in XXXX- {$600.00} additionally removed from my XXXX balance XXXX then locked my account so I cant transfer any funds left ( {$1700.00} ) and wont talk to me via a phone call or chat saying its been escaped. The email I have gotten from them has claimed that my bank reimbursed me and charged them and that I now need to pay an additional {$600.00} to get my account unlocked and funds back. My bank wont do anything. Additionally, XXXX has frozen my account, preventing me from accessing approximately {$1700.00} of my own funds. I am unable to transfer or use this money, causing financial hardship on top of {$1200.00} and another {$250.00} I got scammed from another XXXX user ( they additionally have done nothing about after a dispute. ) at this point I want my money back and i will never use them again. There user agreement is very sketchy. My bank has confirmed that because this transaction was initiated through XXXX platform ( Add Funds ), XXXX is responsible for resolving the failed transfer and returning the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Equifax , This letter serves as a formal notice and demand for the immediate blocking and removal of fraudulent accounts appearing on my credit report pursuant to the Fair Credit Reporting Act, 15 U.S. Code 1681c-2. These accounts are the result of identity theft and are not mine. Accounts to be blocked and removed : XXXX XXXX XXXX BANK Opened XX/XX/year> Balance {$840.00} XXXX. XXXX XXXX / XXXX XXXX Opened XX/XX/year> Balance {$630.00} XXXX. XXXX XXXX / XXXX BANK Opened XX/XX/year> Balance {$530.00} XXXX. XXXX XXXX Opened XX/XX/year> Balance {$420.00} I have enclosed my identity theft report, affidavit, and proof of identity as required by law. Under XXXX XXXX Code XXXX, you are required to block this information within XXXX business days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Fees charged
Company: 21ST MORTGAGE CORP.
State: SC

Complaint narrative:
I was in hardship 21st mortgage didnt care I tried to get help from an agency in my community they never gave me everything I ask for to be filled out. This company has dragged me through a dark place. They have no respect. I paid them over {$6300.00} and over {$3000.00} was in fees that they wont explain. They took my money for XXXX and wont apply saying I still owe them. Everyone I speak with is the same. They told me I needed to get my own mortgage insurance and then they sent a check without me authorizing. This company does not have no remorse, they are liars and they will file paperwork without you even known you been served. They skip that part of you knowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I leased a XXXX XXXX XXXX on XX/XX/XXXX. After taking the contract home and reviewing it. I discovered several key financial terms that were not properly disclosed or explained to me at the dealership. These included : XXXX. {$5500.00} in negative equity from my trade-in rolled into the lease without clear verbal disclosure ; XXXX. A XXXX annual limit, which is far below standard and was not verbally discolsed. XXXX add-on products totaling {$2500.00} that were presented as the " solution '' to the mileage limit, increasing my monthly payment ; XXXX a gross capitalized cost of {$61000.00}, far above the vehicle 's value, without explanation ; XXXX failure to disclose available XXXX incentives ; and XXXX failure to disclose that my insurance cost would nearly triple due to the vehicle type. I am on XXXX and receive {$1400.00} per month. I told the dealership what I could afford, but my monthly payment is {$660.00}, which is not sustainable. I recently received a XXXX XXXX notice for {$740.00} ( or {$980.00} after XX/XX/XXXX ), which I can not afford. This situation has created significant financial hardship, and I am not struggling to pay rent and basic expenses. I contacted Nissan Motor Acceptance Company ( NMAC ) multiple times to request assistance, clarification of the charges, and a review of the lease due to misrepresentation and nondisclosure. NMAC refused to review the matter and stated they " do not get involved '' in dealership contract issues, directing me back to the dealership. The dealership has not responded to my written notices. I am requesting that NMAC review the lease, address the misrepresentation, and provide relief options due to the financial harm I am experiencing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The bank XXXX XXXX office refused a goodwill refund despite my XXXX history and the lack of clear mail notice regarding the {$1500.00} minimum balance change. Because the bank continued to charge fees ( {$60.00} total now ) and refused to honor my long-term loyalty, I have been forced to close my 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 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
Do not even know why this letter was sent from the XXXX XXXX XXXX debt collector for account number XXXX Moved to XXXX XXXX in XXXX, then back to California XX/XX/XXXX in LA so wherever this debt came from is incorrect

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation