vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: CA

Complaint narrative:
I took out a loan for XXXX They didnt tell me interest or the cost per month. Then after I got the loan they said I would paying {$580.00} every two weeks. The total loan repayment is over {$18000.00}. I had no idea

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 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
XXXX XXXX XXXX Is trying to collect on a debt purchased from Synchrony Bank, I have sent a written request for a validation of this debt in XX/XX/year> and XXXX XXXX XXXX have not responded with a validation to this debt they have failed to show that I have a legal contract with them for this debt and has failed to show any signed agreement that I had with Synchrony Bank or any payment history to prove the requesting debt is actually and XXXX XXXX has reported the debt to credit bureau without verification that it is owed to them.

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 2026-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MS

Complaint narrative:
I am filing a complaint regarding my federal student loan servicer, Aidvantage. My account issue has remained unresolved for approximately one year despite multiple phone calls and repeated assurances that reports have been submitted. My loans remain in forbearance status, and I continue receiving unclear or inconsistent information regarding correction of the issue, repayment status, and potential impact on my PSLF eligibility and loan records. I have repeatedly attempted to resolve this directly with Aidvantage. During my most recent call, I requested escalation/supervisor review and was not successfully connected with a supervisor. I am concerned that my account is not being properly reviewed or corrected. Due to this unresolved issue, my payments were effectively interrupted/stopped for approximately one year, which I believe negatively impacted my repayment progress and potentially my PSLF qualifying payment tracking. I am requesting a full review and correction of any improperly affected payment records, repayment status history, PSLF qualifying counts, and account documentation caused by this unresolved servicer issue. I am also requesting clarification regarding whether any corrective credit, adjustment, or restoration of qualifying payment status is available due to this prolonged unresolved account problem. I am requesting : - A formal review of my account - Written clarification regarding the unresolved issue - Confirmation of my repayment/forbearance status - Clarification regarding any impact on PSLF eligibility or qualifying payment counts- Correction of any improperly affected payment records or PSLF counts - A timeline for resolution I would also like confirmation that all account records and PSLF-related information are accurate and properly documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: MA

Complaint narrative:
On XX/XX/2026, I received a PayPal XXXX payment of {$4700.00} from a buyer for a legitimate sale of sealed merchandise. The XXXX bounced initially and PayPal waited 3-4 days before retrying. The payment successfully cleared the buyers bank on XX/XX/2026 I have the buyers bank statement confirming the {$4700.00} posted to PayPal on that date. The item was delivered on XX/XX/2026, which is confirmed within PayPals own system. Despite the funds having left the buyers account and the item being delivered, PayPal continues to show the payment as Pending and has refused to release the funds to my account I have called PayPal customer service every day for the past week and am told each time that the payment is still pending with no explanation or resolution. It has now been 14 days since the original payment date. PayPal is holding {$4700.00} that has already been withdrawn from the buyers bank account. I am requesting immediate release of these funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: CA

Complaint narrative:
My ex-husband signed up for a XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year> without my knowledge and in fact, I was XXXX away from home at the time and not even present during the transaction. I am now divorced and I have this account showing up on my credit reports as a collection with Zions Debt Holdings. I sent a dispute letter to the collection agency explaining this wasn't my account and that I never agreed to it and to please provide documentation with my signature on it. Zion Debt Holdings sent me a copy of the signed contract with my signature forged on it. Without me even being present that means my ex-husband forged my signature or the representative from the alarm company forged it. I never agreed to this contract and it is illegal for my signature to be forged and to be included otherwise, even as a spouse, when I have not agreed to the contract and was not present.

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 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
A levy was placed on my joint checking account XX/XX/year> by XXXX XXXX. Everything was settled and a payment plan to XXXX XXXX was made. XXXX XXXX sent out a release of XXXX letter to all the Banks affected on XX/XX/year>. However, Capital One Bank is not releasing the XXXX hold. Preventing me from accessing my funds and direct deposits that I need to pay bills. XXXX XXXX XXXX confirmed they sent out the release paperwork. However Capital One keeps saying that they have not received anything. Capital One said it would take XXXX business days - its been XXXX business days, but still nothing. I need access to that account to get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2026-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
I have an active auto loan through Upstart for a XXXX XXXX XXXX, XXXX XXXX XXXX ], loan/account number XXXX, originated on or about XX/XX/XXXX. I recently applied to refinance this loan through XXXX XXXX to obtain a lower interest rate and monthly payment, and I provided all documentation XXXX requested. On XX/XX/XXXX XXXX notified me through its loan portal that it was unable to proceed due to an unperfected title and instructed me to work with my current lender, Upstart, to perfect the title first. Shortly afterward, on thje same date, XXXX emailed me stating it had no offer for me and that my financing request had been closed. The sole reason XXXX gave for blocking and closing my refinance was that the XXXX on my vehicle title is not perfected. XXXX perfection is the lender 's responsibility. It requires the lender to properly record its security interest with the state titling authority in Florida, the Florida XXXX XXXX and XXXX XXXX ( XXXX ) Electronic XXXX and Title ( XXXX ) system. This recording is supposed to occur when the loan is originated and funded, not at payoff. When I contacted Upstart about this, the representative incorrectly told me that a " perfected title '' means a title that has been paid off. That is inaccurate. A paid-off title is a clear title or XXXX release ; a perfected XXXX refers to the lender 's recorded security interest while the loan is active. The representative was unable to accurately address the issue or confirm the XXXX status. As a direct result of Upstart 's apparent failure to properly perfect its XXXX with XXXX : My refinance application with Ally was rejected and closed. I have been unable to obtain the lower interest rate and monthly payment I would otherwise qualify for. I continue to pay a higher rate on my existing Upstart loan while this remains unresolved, and I am accruing higher interest costs each month the issue persists. I am filing this complaint because Upstart 's failure to fulfill a basic, mandatory lender obligation perfecting its XXXX has caused me direct, ongoing financial harm and is obstructing my ability to refinance. Desired resolution : Upstart confirms to me in writing the current status of its XXXX as recorded in the XXXX XXXX system. If the XXXX is not properly perfected, Upstart corrects the XXXX electronic record immediately and provides me written confirmation with a specific completion date. Upstart provides documentation I can submit to a refinance lender showing the title and XXXX status is in order for refinancing. Upstart addresses the financial harm caused by this delay, including consideration of a rate modification on my existing loan or compensation for the additional interest I have paid and will continue to pay because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: FL

Complaint narrative:
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 banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained efficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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 banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained efficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my claim.

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 2026-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: LA

Complaint narrative:
I am submitting this complaint regarding a medical collection account that is being reported on my credit report. I dispute the accuracy, validity, and reporting of this account and request an immediate investigation. This account appears to have been reported and shared without proper verification and may constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and HIPAA privacy protections. I do not believe proper procedures were followed regarding the disclosure and handling of my private medical information in connection with this collection account. I was not properly notified before this account was placed into collections, and the reporting of this alleged debt has caused significant harm to my credit profile. I am requesting that the company provide complete documentation proving : At the time of these medical services, I was covered by Medicaid. Because of this coverage, I do not believe I should have been billed or sent to collections for this alleged balance. Reporting this account to the credit bureaus despite Medicaid coverage is unfair and potentially improper. In addition, this account appears to have been reported and shared without proper verification and may constitute violations of the Fair Credit Reporting Act ( FCRA ) and HIPAA privacy protections. I do not believe proper procedures were followed regarding the disclosure and handling of my private medical information related to this account. I was not properly notified before this account was placed into collections, and this reporting has negatively impacted my credit profile and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: AZ

Complaint narrative:
On XXXX I activated my newly received XXXX debit card whom XXXX is the issuing bank. I then added this card to my XXXX account to use to reload my " XXXX '' gift card. I have done this successfully for years. When I attempted to use it the XXXX site, during the " authorization '' connection to the bank, it fails with the error message : " Please try again or select a new payment method by clicking on the button below. '' indicating it was denied/rejected. I contacted XXXX support and they said this is not their problem, but XXXX the issuing bank is not allowing/authorizing the funds. I then called XXXX customer service who indicate they only manage the funds and that Blackhawk is responsible for managing the debit/credit/gift cards and provides me with their customer service number. I then called Blackhawk who looks into my cards activities and indicate they show NO transactions against the card. They share there are NO specific decline code/reason from their authorization logs. I verified with Blackhawk that the card is registered for online use with no vendor ( i.e. XXXX ) blocks. Again, I have done this process for years with no issues until recently. XXXX denies responsibility, Pathway denies responsibility, and Blackhawk denies responsibility. I want to use this card, as I have in the past, to reload my XXXX gift card with no issues. If no one is claiming responsibility, how do I get this resolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: AZ

Complaint narrative:
This is regarding a {$200.00} prepaid XXXX gift card ending in XXXX. The card is in my possession. On XX/XX/XXXX there was an unauthorized charge to " XXXX '' for $ XXXX XX/XX/XXXX I called the number on the back of the card ( XXXX ) who is Blackhawk Network and reported this. They immediately froze the card ( the remaining {$170.00}. They started their dispute process and asked me to send a copy of the card front and back, a receipt where I purchased the card and they would investigate ( Case # XXXX ) On XX/XX/XXXX I called to check status and was advised they need a copy of my utility bill. I sent this on XX/XX/XXXX after I got off the phone. I then get an email XX/XX/XXXX stating I did not provide the correct receipt ( XXXX XXXX ) SO i sent on the receipt from XXXX as I purchased several of these and have no way to determine from the receipt what card was XXXX there is no bar code ID # to identify. I called on XX/XX/XXXX and was advised I would get a status update within an hour. Nothing. I have since received another email stating my dispute # is now XXXX. I have sent in all required documentation proving I am in possession of the card and I purchased it. The reviews I am reading of this Blackhawk network seems this is common practice, they continuously ask for the same documents and never process a new card. As of now I am out the {$200.00} card, and would have been fine with losing the {$27.00} unauthorized charge and allowing me to have the remaining {$170.00} but the card is frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: KS

Complaint narrative:
I was scammed for {$200.00} through a user using a cash app account. This was a transaction that was supposed to be paying for access to an online study guide for a test. This person had a whole page set up for the services and after doing research I found that the whole page had fake accounts and I found where other individuals stated they paid for the guides and never received them after the fact. I was very sure that this was a legit person or I would have never sent money for the program. The process was to cashapp the funds and you would receive the guide etc. I submitted all of the screen shots and conversations with the person, the facebook page, the group information and everything I could to cash app showing everything that was involved and request to receive a refund of the {$200.00} that was sent to this scammer. I feel that if they have proof that the whole thing was fake and someone illegally scamming people they should have responsibility to refund the victim and ensure that person is banned form cashapp.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: Westlake Services, LLC
State: FL

Complaint narrative:
I am filing a formal complaint against Westlake Financial Services for unfair, deceptive, and predatory auto financing practices, and a willful failure to abide by the Federal Trade Commission ( FTC ) Holder Rule. On XX/XX/XXXX, I financed a XXXX XXXX XXXX ( VIN : XXXX, Contract/Account XXXX XXXXXXXX ) through Westlake Financial , sold by XXXX XXXX XXXXXXXX XXXX in XXXX XXXX XXXX, FL. Within days of purchase, a certified third-party mechanic inspection revealed severe, pre-existing structural and steering safety defects : completely failing inner and outer tie rods and a loose lower control arm. The car is completely unsafe and unroadworthy. Furthermore, on XX/XX/XXXX, the vehicle suffered a total mechanical failure and stalled repeatedly directly on the dealer 's lot, which was caught on video. I opened a fraud/merchantability dispute with Westlake Financial under Ticket ID XXXX XXXX. I provided their team with certified mechanic diagnostic failure reports and timestamped video proof of the stalling. On XX/XX/XXXX, Westlake sent a generic denial stating the vehicle " does not qualify for the Fraud Team '' because their narrow internal script only covers " engine or transmission '' issues. I immediately appealed this denial on XX/XX/XXXX and provided further video evidence on Monday, XX/XX/XXXX, demanding a supervisor escalation. Since Monday morning, Westlake has completely ceased communication and ghosted my emails. We are currently 21 days from the purchase datewell within the 30-day warranty window. Westlake is actively utilizing bad-faith stalling tactics to run out my 30-day warranty clock to force me into paying a loan for a life-threatening, unroadworthy vehicle. Under the FTC Holder Rule, Westlake is legally subject to all claims and defenses I have against the fraudulent dealer.

Company response to consumer: Closed with explanation