vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CarMax, Inc.
State: GA

Complaint narrative:
My vehicle was repossessed from a secured, resident-only, fob-controlled parking area at my apartment complex. Property management confirmed in writing that no authorization was given to the repossession agent to access or open the gate. 

I filed a claim disputing the repossession and provided written confirmation from property management. The recovery vendor ( Loss Prevention Services ) denied the claim relying solely on an uncorroborated statement from the tow agent asserting the gate was open, without providing any supporting documentation such as photos, video, timestamps, gate logs, or authorization records. 

I formally rebutted the denial and requested documentation demonstrating lawful access. I then sent a written request for resolution and compensation with a reasonable business-day deadline. The company failed to respond within the deadline and remains non-responsive. 

The creditor and its vendor have failed to conduct an adequate investigation, improperly shifted the burden of proof to the consumer, and relied exclusively on vendor hearsay to deny the claim. The repossession occurred during a holiday period and resulted in loss of use and financial hardship. 

I am seeking regulatory assistance due to continued non-responsiveness and failure to properly investigate and resolve this improper repossession dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
To Whom It XXXX Concern, I regained access to my phone today after it had been disconnected. Upon doing so, I discovered multiple voicemails left by this company. XXXX voicemail in particular was threatening and misleading in nature. 

The voicemail stated, in part : I need you or your representing attorney to contact me so we can prevent the escalation of your business If I do not receive your call today, I will have no choice but to assume you are ignoring this debt and refusing to resolve this voluntarily. I have documented this call to show that I notified you of this urgent matter it is critical you return my call immediately. 

The caller repeatedly referenced escalation, implied attorney involvement, imposed an artificial same-day deadline, and stated the call was documented to create pressure. The message also suggested negative consequences if I did not return the call immediately. 

At no point prior to this voicemail did I receive written notice or validation of this alleged debt. I believe this communication was misleading and intended to intimidate by implying legal action without proper written disclosure or confirmation that such action was authorized or imminent. 

I dispute this debt and believe the voicemail violates fair debt collection standards. I have saved the recording as evidence. I am requesting that this company be required to provide proper written validation of the alleged debt and cease misleading or threatening communications. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XX/XX/XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XX/XX/XXXXXXXX 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

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: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Paypal Credit owned by Synchrony Bank changed their promotional balance terms without notice on any statement or by email, even though they claimed they did in XXXX of XXXX. The company charged me over {$100.00} in interest in addition to the purchase price for items that I was not made aware of that weren't following the conditions of the promotional offers. 

I have been a member with them for over 12 years and the price has always been over {$99.00} all of a sudden, it is {$140.00} with no communication. 

In addition that, I was paying more than the minimum EVERY month, but the company chooses to ONLY allocate the money to the promotional purchases. So not only were these new purchases not under the promotional period, I was also being charged interest even though I was paying well over the minimum every month. 

This is predatory and sneaky. They want to trick you so you think you're paying a payment to the entire amount owed, but it's only up to a certain amount. 

I asked could they re-allocate my payments to cover them since they since they weren't going to refund me and was told we only could do the past XXXX days.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX I asked Valon Mortgage to not pay XXXX XXXX since I was cancelling the policy and moving to XXXX XXXX. On XX/XX/XXXX, {$4700.00} was taken out of my escrow account and paid to XXXX XXXX. In XXXX, XXXX, Valon Mortgage put a stop payment on that check to XXXX XXXX. Those funds have not been returned to my escrow account. On XX/XX/XXXX Valon Mortgage also paid XXXX XXXX XXXX {$3500.00} and my escrow account is showing a negative balance. 

I pay {$760.00} monthly into my escrow account so if the {$4700.00} was in my escrow account, I would have a balance of {$3900.00} to cover XXXX property taxes in XXXX. Valon Mortgage is showing a negative balance of $ ( XXXX ). They are telling me I need to put the check from XXXX XXXX into my escrow account. XXXX XXXX never received the money, so they can't send me a check.

I have explained to several Valon Mortgage Customer Service representatives that they need to put the {$4700.00} back into my account, but they refuse. I believe I have been stolen from and can't get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I am filing this CFPB complaint to formally demand validation of the alleged debt being reported by I C System Inc. My attached validation request letter lists the specific documents they must produce under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. I am deliberately using the CFPB system to ensure my request is officially recorded, forwarded, and enforced. I C System Inc can not lawfully continue reporting or collecting without proper validation. 
I also demand information to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA, including : XXXX  The Date of First Delinquency ; XXXX The date the account was charged off ; and XXXX The date the account was acquired by or assigned to I C System Inc .

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: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc.
State: LA

Complaint narrative:
I am disputing the collection account being reported and collected by United Collection Bureau , Inc. regarding an alleged XXXX XXXX debt because it is being furnished without proper notice, validation, or proof of accuracy. I never received the legally required written validation notice prior to this account being placed on my credit report, and the first time I became aware of this alleged debt was through credit reporting. The information being reported is internally inconsistent and unsupported, showing an alleged original amount of {$3000.00}, a so-called credited amount of {$1600.00}, and a remaining balance of {$1300.00}, with no explanation or itemization of how these figures were calculated or applied. Despite my requests, United Collection Bureau , Inc. has failed to provide competent evidence that this debt is mine, failed to produce a full accounting, failed to demonstrate legal authority or ownership to collect or report the account, and failed to show how the information furnished complies with XXXX XXXX reporting standards. United Collection Bureau , Inc. continues to report this account to the credit bureaus without first validating the debt and without conducting a reasonable investigation, even though public records and consumer complaints reflect a history of FDCPA-related litigation and regulatory scrutiny involving this company. As a result, inaccurate, incomplete, and unverified information is being furnished on my consumer credit reports in violation of the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and XXXX XXXX compliance requirements.

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: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
XXXX year ago I complained to Chase JP Morgan Bank for closing my account for no apparent reason I had no violations. I confirm them many times during the past year they never explain the reason why they always said they sent me a letter but they never told me why//The core problem now is they stole my accrued rewards points. That means they invalidated my rewards points which is corrupt... I told them repeatedly by email and even by voice call to send my rewards points to the new credit card that they open for me but they refuse to do so. This corruption has to be stopped and you must contact them to fight on my behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: GA

Complaint narrative:
I recently applied for a loan modification and was denied by Selene Finance due to my debt to income ratio. I was told by a representative with the Selene that I could close out the current modification and resubmit the application with my father as a co-applicant. I agreed to do this and resubmitted the modification documents to the company. However the old modification was not voided out in Selene 's system, so now the company has scheduled a foreclosure sale date for XX/XX/year>. Their lawyers are mail spamming me despite my submission of a completed application for a modification. This is very frustrating as I have been in communication with the loan servicer and sending in all the required information requested of me. I called on XX/XX/XXXX to verify that the old modification was closed out and I could reapply. I submitted all the documents on XX/XX/XXXX and called back the following week but the modification documents had not been updated. Due to the XXXX and XXXX XXXX holidays I did not receive any update but have been flooded with letters from their attorney regarding a foreclosure. When I finally spoke with a representative on XX/XX/XXXX, he explained the old modification had not been closed out and the I needed to resubmit. I would like the foreclose to be suspended as I am still under the modification process. 

Another issue was they would not tell me who is owns my mortgage. They sent me the deed with listed the originator of my mortgage XXXX on the document. This is not the current holder of the loan and it's my legal right to have access to that information. 


Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
my vehicle was declared a total loss. The insurance check company issued a payoff which posted and cleared on XX/XX/year> and XXXX coverage was issued an additional payoff check which posted and cleared on XX/XX/year>. 

Both the insurance carrier and XXXX administrator have confirmed that their payments were cashed and cleared free and cleared by Bridgecrest and were sufficient to cover the payoff including accrued interest. 

After the gap payment posted, Bridgecrest reversed the previously posted insurance payment and reversed my XXXX monthly payment during internal reconciliation. the online account now display reversed payments and internal delinquency indicators despite the loan being in total-loss payoff status. 

i have contacted bridgecrest multiple times to request clarification and confirmation that no late payments will be applied, they have provided inconsistent explanations. I have asked for the final payoff date and they won't provide me with information or wouldn't transfer me over to a supervisor.

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: MOHELA
State: VA

Complaint narrative:
Throughout the XXXX calendar year, MOHELA failed to provide requisite billing statements, account disclosures, or any official correspondence regarding the status of my debt. Despite this lack of notice, I exercised due diligence by attempting to access my account through MOHELAs official portal ; however, I was consistently barred by a technical error stating that no account existed for my Social Security numbera credential that was fully functional prior to XXXX. 

Furthermore, my attempts to mitigate these issues via telephone were ignored ; I was subjected to hold times exceeding XXXX hours and MOHELA failed to honor multiple requests for a return call via their automated system. Despite these documented servicing failures and my ongoing status as a Public Service Loan Forgiveness ( PSLF ) candidate with a qualifying payment history, MOHELA unilaterally reported a balance on my credit profile on XX/XX/XXXX, without prior notification or the opportunity for resolution.

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: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Problem : Unable to withdraw money /access funds Company : PayPal Description : My PayPal account has been repeatedly blocked, preventing me from accessing funds that are fully mine. Despite multiple phone calls and supervisor contacts, I continue to receive the standard XXXX system refresh response, which does not resolve the issue. 
This has created a critical financial emergency, including inability to pay rent and other immediate obligations. I am requesting immediate manual override and release of funds, along with written confirmation of account status. 
Prior attempts to escalate within PayPal have failed. I request CFPB intervention to compel PayPal to release my funds without further delay.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Zip Co US Inc.
State: TN

Complaint narrative:
I have reached out to the company to dispute these two charges as its showing pay in 4 and two orders listed for 8 payments, I have been getting the run around from the company that I have contacted their merchant and a fraud that I have also submitted to the CFBP on the merchant Order numbers XXXX XXXX

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: Paypal Holdings, Inc
State: CA

Complaint narrative:
In XX/XX/year>, I purchased concert tickets through TicketsAtWork.com using PayPal Pay in XXXX for a total of {$520.00} ( {$130.00} paid in four installments ). The tickets were for a future event scheduled for XX/XX/year>. 

Tickets were initially delivered, but the link provided could not be opened ; it led to a 404 error page. I never received functioning tickets, and XXXX did not send a corrected or replacement delivery. 

I contacted XXXX to request a refund due to non-receipt of usable tickets. My request was denied on the basis that the purchase was marked as a final sale, despite the fact that no valid tickets were provided.

I then contacted PayPal to dispute the transaction. PayPal denied my dispute solely because more than 180 days had passed since the transaction date, even though this was a future-delivery purchase and I had no way of knowing there was an issue within PayPals dispute window. 

I also contacted XXXX, the card associated with my PayPal account, but they were unable to assist because PayPal acted as the intermediary for the Pay in 4 plan.

As a result, I have paid the full {$520.00} and received no usable tickets. I am requesting that PayPal conduct a manual review of this Pay in 4 transaction and issue a refund for goods that were never delivered or usable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I'm filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account unprotected. Furthermore their dispute resolution process wasn't fair and was deceptive, as they didn't comply with error resolution requirements under the electronic fund transfer Act ( EFTA ) and regulations E. These actions have caused Significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation