vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-05 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: FIRST PORTFOLIO SERVICING INC
State: GA

Complaint narrative:
I apply for this particular card and it was a {$95.00} start fee then when the car got here they said I needed to pay an additional {$200.00} which I did never use the card then all of a sudden I get some charges after making XXXX purchase and then it exceeded the credit limit they sent me a link telling me about the transactions they shut the card off and was the resend me another card which they did however my balance was not forwarded which should have been the almost {$450.00} every time I call they keep extending the time or the research day as they say XXXX to XXXX  days they never told me XXXX days let alone XXXX days so every time I call it's a different change in dates so basically I think they using this for them to make interest off of me and I think that this is very unfair if I can help assist you showing I don't have a XXXX account then the investigation should move even quicker

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I bought my car in XXXX of XXXX the Ally Bank.By the contract signed I was supposed to pay XXXX  monthly installments of XXXX XXXX XXXX in XXXX and XXXX I asked for deferred payments due to hardship.Today I have paid XXXX installments which is XXXX XXXXXXXXAfter the conversation with Ally Bank I was told I need to make XXXX extra payments in order to receive my title.The payoff was supposed to be in XX/XX/XXXX. I even paid XX/XX/XXXX and XXXX of XXXX which were to supposed to cover XXXX deferred payments.Now they are asking for XXXX and XXXX of XXXX which does not make any sense. Would you please be able to help me with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One closed my credit card for no reason and then just keeps charging me large amounts of interest. I asked them to remove the interest and I will pay off the card and they are refusing Acc # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My account was hacked and funds where stolen from my banking account. On my bank statement it's not showing up but. In my XXXX account on the expense transaction I see where the money was spent and etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for attempting to collect an alleged debt originally associated with Synchrony Bank. 

Nearly XXXX years ago, I received a legal summons regarding this alleged Synchrony Bank account in XXXX XXXX XXXX. I responded in full and in a timely manner by submitting a formal legal rebuttal through XXXX. 

Synchrony Bank failed to respond to that rebuttal within the required timeframe. Since no response or judgment was issued, the matter was effectively abandoned and no valid determination of debt was made. 

Despite this, XXXX XXXX XXXX continues to send collection notices for the same alleged account. I dispute the validity of this debt and believe XXXX is attempting to collect on an obligation that was not legally established. 

I am requesting : Written validation of the alleged debt Proof of XXXX XXXX XXXX legal right to collect Documentation showing that this debt survived or was adjudicated after the original legal rebuttal Until such proof is provided, I consider this collection attempt improper and request that all collection activity cease.

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 2026-02-05 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: Possible Financial Inc
State: CA

Complaint narrative:
Account is closed but still showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MD

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
Requested Freedom Mortgage to remove my PMI. Initially, they quoted me {$190.00} to remove my PMI through a XXXX fee. However, they later increased the fee to {$750.00} and requested me to pay the difference to remove my PMI.

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 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
am unable to open new bank accounts because Bank of America. ( BOA ) furnished negative information about my deposit account ( s ) to XXXX  and/or XXXX XXXX XXXX ( XXXX ). Both XXXX  and XXXX  are nationwide specialty consumer reporting agencies governed by the federal Fair Credit Reporting Act ( FCRA ). 

I disputed the accuracy/completeness of this reporting with XXXX/XXXX  and with BOA. Under FCRA 611 ( 15 U.S.C. 1681i ), XXXX must conduct a reasonable reinvestigation within 30 days and delete, correct, or mark as unverifiable any disputed items ; they must also send the full dispute details to the furnisher ( BOA ) within five business days. Under FCRA 623 ( 15 U.S.C. 1681s2 ( b ) ), once BOA received the dispute from the consumer reporting agency, it was required to investigate, review all relevant information, and report results ; if the data is inaccurate, incomplete, or can not be verified, BOA must modify, delete, or permanently block the information with all consumer reporting agencies to which it was provided.

That did not occur. If BOAs negative entry relates to alleged unauthorized electronic transactions. XXXX also had duties under the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693g, and Regulation E ( 12 C.F.R. 1005.11 ) to limit my liability and to promptly investigate and resolve errors when notified within the regulations timelines. XXXX failed to follow those errorresolution and liabilitylimitation rules.

Separately, consumer reporting agencies must use reasonable procedures to assure maximum possible accuracy of reports ( FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) ). XXXX allowed inaccurate or unverified data to remain, harming me. Finally, the conduct described ( refusals to correct, continued reporting of unverified information blocking access to banking ) may constitute unfair, deceptive, or abusive acts or practices ( UDAAP ) under the Consumer Financial Protection Act ( 12 U.S.C. 5531, 5536 ).

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 2026-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Village Capital & Investment LLC
State: TX

Complaint narrative:
I have requested a payoff for one month out from Village Capital last Monday, XX/XX/year> because I am selling my home and need the amount to figure out how much my listing price will be. I emailed Village Capital on XX/XX/year>. I received a reply email from XXXX XXXX, Loan Officer for Village Capital, asking if I am selling or refinaning, to which I replied and stated I was selling. This person never replied again. At XXXX XXXX  on XX/XX/year> I received another email from another Village Capital Loan Officer by the name of XXXX XXXX who also acknowledged my payoff request, but then stated " My name is XXXX, I'm with Village Capital, your current loan servicer. Our system shows you requested apayoff, and I wanted to reach out and see what we could do to earn your business back. Village Capital is an extremely competitive lender, and will match/beat almost anything you have been offered to keep your business. '' I quickly replied 6 minutes later stateing that we are selling, not refinancing and that I would like the payoff for XX/XX/year>. I got no reply. I then proceeded to call Village Capital to try to get a person on the phone. The person who answered said I need to submit a payoff request through their online email of XXXX. I submitted a request Tuesday at XXXX XXXX, only to have an autogenerated email reply sent to me on XX/XX/year> stating that my request has been received and is " being processed, '' with no protocol as to how long it might take to get a reply. Then an hour later, another email came in from Loan Officer XXXX XXXX stating " If youre looking to refinance your home, we have special offers for our existing customers and are willing to give you a better deal on your mortgage. Would you like us to put together a no obligation proposal for you? Because you already have your loan with us, I wont need anything from you. I can get it drawn up quickly and sent over. Feel free to reply to this email or give me a call at ( XXXX ) XXXX. '' I quickly replied that we are selling, not refinancing. Again, today, I received an email from another Loan Officer named XXXX XXXX XXXX, who is aslo asking if we are considering refinancing. As I was typing this complaint, this person, XXXX XXXX XXXX phoned me. I explained that I have sent many replied and formally requested a payoff through their payoff request email as directed and that I need a payoff. I also stated that if I can not get a payoff from him, I will file a formal complaint, to which he hung up on me. As of today, XX/XX/year>, no one has sent a payoff. They seem to only reply or want to speak to you if you're wanting to refinance with them. 
I have saved all email correspondence and payoff requests. 

Please help me get this resolved. 

XXXX and XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-02-05 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: NV

Complaint narrative:
I am caught in a technical deadlock between XXXX and PayPal regarding a {$890.00} transaction ( Case # XXXX ) for a course with XXXX. 

The Facts : -On XX/XX/XXXX, I contacted XXXX to cancel my dispute and accept the charge. 

-XXXX  issued a letter on XX/XX/XXXX, confirming the money was returned to the merchant 's bank on XX/XX/XXXX, and they consider the investigation complete.

-Despite this proof, PayPals Resolution Center still lists the status as " Under review with the buyer 's financial institution '' as of XX/XX/XXXX. 

The Issue : PayPal refuses to update the status because they claim they haven't received an electronic notification from XXXX. XXXX insists the information was sent. Because the case is stuck in " Review, '' the merchant can not release my reimbursement. Meanwhile, I am being charged 18.74 % interest by XXXX on this balance because the transaction is not finalized in the ecosystem. I have called both parties numerous times, but neither will manually reconcile this error

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX and a debt should've been removed from my credit report. These collection agencies keep " re-aging '' the debt. 

Report Number : XXXX Date Generated : XX/XX/XXXX The information states : Date opened : XX/XX/XXXX Status updated : XX/XX/XXXX On Record Until : XX/XX/XXXX It's now XX/XX/XXXX and it's still not off my record. It hasn't been closed or dropped. This is illegal Company Information Original creditor : XXXX XXXX XXXX Collection Agency Info Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX This debt from XX/XX/XXXX is still on my credit report as of XX/XX/XXXX. The credit report itself states it should have been removed in XX/XX/XXXX. This is a violation of the FCRA 's XXXX reporting limit. I demand immediate deletion and correction of my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
I am writing regarding the above reference to account to formally request a review of how this account was handled and reported during my period of XXXX XXXX XXXX. I was on XXXX XXXX and station overseas beginning XX/XX/year> due to my overseas assignment, the vehicle associated with this account was placed in the storage and was not in regular use. My military service materially affected my ability to manage the account in the same manner as when I was stateside, and there were complications related to payments and communication during this period. Despite the circumstances, the account was charged off and has continued to be reported as a charge off on a monthly basis for several years. The vehicle was never repossessed, and no reasonable efforts appear to have been made to mitigate loss or accommodate the impact of my overseas service. The ongoing monthly charge of reporting has resulted in disproportionate and continuing harm to my credit profile. While I understand, the account may have become delinquent. I'm disputing the manner in which the account has been reported and handled, particularly in light on my activity duty overseas service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
My bank notified me that I was denied a business loan due to an outstanding debt with another financial institution. I knew this had to be a mistake, as I pay all my outstanding debts on time and in full, per the agreement for any loan, credit card, or debt. 
When I pulled my credit report, there was an outstanding balance of over {$9000.00} that does not belong to me or my business. I filed a dispute with the Credit Bureau and received the same response. The debtor claims it is valid and must be paid in full. They claim it was a XXXX account. XXXX sold XXXX of its credit card lines to another financial institution, making it valid, and a payment was required. I called XXXX, asked to speak with a customer service rep, and then the fraud department. They have verified that the last 4 digits of the account number they've provided to the credit agencies do not exist, or have not existed, if they ever did. XXXX has verified that it has never sold any of its accounts to a third party or another financial institution and has clearly stated that this was fraud and identity theft. XXXX has also verified that my account ( s ) are in good standing, and I have never been sent to collections for an outstanding balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
i applied for ChasXXXX XXXX XXXX XXXX to purchase XXXX products. Credit card was issued. But my online access was blocked and i was prompted to call Chase 's customer service to unblock. I called and was informed that in 2020, Chase had decided never to do business with me again. i asked why and they told me they would not tell me. I told them i thought this was a mistake, i habitually pay my bills, and have no credit issues. Rep said Chase could decide not to do business with me, and not tell me why. I want to know why they have stopped doing business with me because i am worried someone posing as me did something incorrect. Also, Chase is subsidized and insured by FDIC, seems odd they can simply choose not to do business with someone because of non-business reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
I am filing this complaint against OneMain Financial regarding a loan serviced by the XXXX XXXX branch in XXXX, NY. In between XX/XX/XXXX and XX/XX/XXXX, I spoke with the Branch Manager, XXXX ( possibly spelled wrong ), who gave me verbal authorization to sell the vehicle used as collateral for my loan. At no point during this conversation or prior to the sale was I informed that the sale had to be conducted through a specific vendor or " preferred buyer. '' Relying on the Managers consent, I sold the vehicle to a junkyard for {$70.00}. On XX/XX/XXXX, I deposited those proceeds into my bank and immediately made a {$120.00} payment to OneMain to satisfy the collateral requirement. I have bank statements and a photograph of the vehicle being towed as proof of this transaction. Despite following the Manager 's instructions, OneMain is has constantly refused to remove the collateral from the loan. They claim I should have used their specific vendora requirement never disclosed at the time of authorization. They also claim that the only way to remove the collateral would be for me to pay the loan in full, or to refinance the loan. I can not pay the loan in full, and I can not refinance the loan with collateral listed. This " secured '' status is preventing me from refinancing the debt and has caused the payments to remain at an unsustainable level. Furthermore, in mid to late XX/XX/XXXX, a representative at the same branch gave me the predatory and deceptive advice to " stop making payments '' since they could no longer seize the collateral anyway. I followed this advice, which resulted in my account falling into delinquency and severe damage to my credit score. OneMain Financial is currently under a {$20.00} XXXX CFPB Consent Order ( XXXX ) for deceptive acts and practices. The misleading verbal instructions provided by the XXXX branch manager and staffwhich contradicted my rights and led to financial harmappear to be a continuation of the deceptive patterns identified by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: DE

Complaint narrative:
I've made a purchase for XXXX from a merchant on XX/XX/year>. I have not received my product nor a refund. I disputed the transaction twice and it was denied both times. But I received a email from Cash App saying the merchant sent a refund on XX/XX/XXXX and it can take up to XXXX days. It's been passed XXXX days and still nothing. This is ridiculous. It's been nearly XXXX  months and still haven't received my money back.

Company response to consumer: Closed with explanation