vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Avant Holding Company, Inc.
State: AL

Complaint narrative:
The Avant credit card company went into my bank account and took an unauthorized payment in the amount of {$450.00} on XX/XX/year>, forcing me to contact my bank and having to cancel my debit card so they could not access my account and commit anymore fraud against the account. I've made contacts with Avant in a attempt to get the issue corrected Emails/phone. After several different types of communication they and several promises to refund my {$450.00} they have failed to make a refund ( they continue to lie ) .on XX/XX/year> they credited my Avant credit card account {$450.00} and in doing so put my {$500.00} credit card limit to the amount of {$980.00}. I haven't had any success in getting them to correct this and now they have made my account go into card overlimit, excessive interest fees and have reported me to the three credit bureau 's, I have removed my types of payment information from Avant because I don't trust them with my banking information and I'm not going to make anymore XXXX XXXX monthly payments until this issue is corrected, they have made several attempts to get my bank account information so they can retrieve their payments. It would be in their best interest if they would just close the account and forget any debit, they have destroyed my credit ratings.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: SD

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is writing regarding payment for product delivered to XXXX XXXX, XXXX XXXX, Montana. The goods were sold to a company based in XXXX, XXXX XXXX XXXX XXXX. This company also has a location in XXXX XXXX, SD. 

Payment for this product was made via checks issued by XXXX XXXX XXXX XXXX. Unfortunately, the checks we received have been returned and are unable to be processed. As a result, the balance for the delivered product remains outstanding. The check issued for {$87000.00} shows that it has been approved ; however, we have still not received funds. 

We are requesting immediate wire payment for the full amount of the returned checks. Please remit payment as soon as possible. 

If we do not receive payment or hear from you by XX/XX/year>, we will be forced to pursue further collection efforts. 

Sincerely, XXXX XXXX. 
XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2026-01-13 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: FL

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: GA

Complaint narrative:
I submitted a Borrower Defense to Repayment application and requested administrative forbearance at the time of submission. Under Department of Education guidance, federal student loans must be placed into Borrower Defense administrative forbearance while the application is pending, and delinquency reporting should not occur during that period. 

Despite this, my loan servicer, EdFinancial, has continued to bill my account, report my loans as past due, and demand payment while my Borrower Defense application is under review. As of my most recent contact with EdFinancial, my account is being reported as over XXXX  days past due, and I have been told that payments are required unless and until EdFinancial receives notification from Federal Student Aid.

EdFinancial representatives have acknowledged my Borrower Defense application but stated that they have not applied forbearance or stopped delinquency reporting due to an alleged lack of notification from Federal Student Aid. This has resulted in improper repayment status, negative credit reporting, and payment demands for amounts that should not be due.

I am requesting that EdFinancial : Apply retroactive Borrower Defense administrative forbearance effective as of my application submission date Remove all past-due balances and delinquency status Correct any negative credit reporting related to this issue Cease all collection and payment demands while my Borrower Defense application remains pending

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX I was a victim of identity fraud and requested new debit and credit cards from USAA which they did send me. On XX/XX/XXXX I received an email from XXXX that it had joined my checking account ending in XXXX to my XXXX account. This transaction was not mine. I contacted USAA on XX/XX/XXXX and notified them that my checking account number was compromised. The customer care agent suggested I open a new checking account as this was the only way to change the account number. I was instructed to upload a copy of my ID for verification to XXXX which I did on XXXX. Shortly thereafter, I received a text that my phone app facial recognition was disabled by USAA for " security reasons '' At that time i tried to log into USAA on both my phone and through their website. I was locked out of both. I immediately called USAA and as soon as I entered my Social Security number into their automated system, I was denied access to a customer service representative. Mind you, USAA is my primary bank. I receive my military pension, VA payments and social security to this account. I also pay all my bills through their bill pay service. On XX/XX/XXXX at XXXX am I received a message stating that all outgoing transactions have been suspended. Shortly thereafter I was notified by Aura identity theft protection that my payment from USAA was declined. As of today, XX/XX/XXXX I still do not have access to my savings, checking, credit card, or debit card. I also can not see which if any of my creditors were paid and which were not. At this point I feel more victimized by USAA than by the identity thieves themself. During the most stressful time of my life, USAA took away all my ability to regain control of my financial life and monitor my balances and account activity. I'm not sure if this is a normal bank practice, but as a consumer, this should not happen.

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 2026-01-13 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: OK

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 2026-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have no knowledge of or connection to the accounts referenced and did not authorize their establishment. I request a comprehensive investigation and the removal of the accounts once confirmed. Documentation supporting my position is enclosed.

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 2026-01-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
I am writing to formally express concern regarding a recent change to the online payment process for my HELOC/mortgage account serviced by Alliant Credit Union XXXX 

Prior to XX/XX/2026, I was able to make online payments by linking an external bank account, which is a standard and widely accepted practice among mortgage servicers. I have now been informed that, due to what has been described as a website upgrade, external bank accounts are no longer permitted for online payments. Instead, I am required to first transfer funds into an Alliant savings accounta process that takes approximately three business daysbefore making my monthly loan payment. 

The only alternatives currently offered are : Paying in person at a branch Paying by automated phone system with a {$9.00} fee Mailing a payment Transferring funds into an Alliant savings account and then paying internally This change raises several concerns : It effectively forces borrowers to move funds into an Alliant deposit account in order to make a timely online payment. 

The required transfer delay increases the risk of late or delayed payments, particularly around weekends and holidays. 

Charging a fee to pay by phone creates a paid workaround for what was previously a free, standard payment method. 

Eliminating external ACH payments is inconsistent with common mortgage servicing practices that I have encountered over many years working with multiple lenders and servicers. 

Referring to this change as an upgrade is troubling, as it reduces payment flexibility and shifts additional administrative burden and timing risk onto the borrower. I am requesting a written explanation of : The rationale for removing external ACH payment capability How this change complies with fair servicing and consumer protection standards Whether accommodations or fee waivers are available to prevent adverse impacts on borrowers I would appreciate this matter being reviewed by the appropriate servicing and compliance team. I am requesting a written response addressing these concerns. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Dear Sir or Madam, I am formally requesting validation of the above-referenced debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). 

This letter is not a refusal to pay, but a notice that your claim is disputed and validation is required before any further collection activity may continue. 

Please provide the following documentation : XXXX. The name and address of the original creditor XXXX. The full account number of the original debt XXXX. A complete accounting of the balance, including interest, fees, and charges added XXXX. A copy of the original contract, application, or agreement bearing my signature XXXX. A copy of the charge-off statement from the original creditor XXXX. Proof that your company has legal authority to collect, including licensing for my state XXXX. A complete chain of title showing all transfers of ownership from the original creditor to your company XXXX. Documentation showing that the debt is within the statute of limitations If you can not provide these documents, you must cease all collection activity, including credit reporting, pursuant to federal law. 

Until validation is provided, you are required to : Stop reporting this account to all credit bureaus Stop contacting me Stop all collection efforts Failure to comply will constitute violations of : FDCPA 15 U.S.C. 1692g, 1692e, and 1692f Fair Credit Reporting Act ( FCRA ) This letter is being submitted as part of a formal Consumer Financial Protection Bureau ( CFPB ) complaint, and I expect full compliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 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: EQUIFAX, INC.
State: NV

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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2026-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
This is a promotional credit credit for windows that I have installed on my home. Original final payment was made on XX/XX/year> of {$21000.00} ; this was rejected not sure why. Another payment same amount was made again on XX/XX/year>. An interest in the amount of {$23000.00} was applied to the account on XX/XX/year>. They have a grace period of XXXX days, I have recorded conversations with XXXX different managers on different days stating it will be removed within XXXX hours, this has not happened. The money has been taken from my bank account, so I know they have received the funds.

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 2026-01-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TEXAS CAPITAL BANCSHARES, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I initiated a {$2800.00} property tax payment using my XXXX XXXX savings account ending XXXX and saved the payment receipt. On XX/XX/year>, the county tax office notified me the payment was declined and required repayment plus late interest, totaling {$2800.00}. I paid the additional {$56.00} in late interest on XX/XX/year> to avoid further penalties. 
I contacted XXXX XXXX multiple times. The payment information ( account and routing numbers ) was correct, and the county confirmed no error on their side, yet XXXX XXXX failed to release the funds, causing the decline. This was a bank processing error beyond my control. I am currently unemployed and request reimbursement of the {$56.00} late interest caused by XXXX XXXX failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Klarna AB
State: MO

Complaint narrative:
A debit transaction of {$98.00} from Klarna has posted multiple times, including after refunds were issued, despite no completed purchase and no goods or services received. 

XXXX system continues to re-capture funds and misrepresents the charge as an authorization hold, which is incorrect. 

XXXX refused to properly process this as a merchant error under Regulation E, misclassified it as fraud, and failed to provide provisional credit. 

I am requesting immediate Reg E error resolution, provisional credit, and correction of both XXXX and Chases handling of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: NC

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
Timeline of Events : On XX/XX/XXXX, I called to request the payoff amount of my loan. I was advised the balance was approximately {$23000.00}, which did not align with my understanding of the loan. My loan is scheduled to mature in XX/XX/XXXX, with monthly payments of {$730.00}, which would indicate a remaining balance closer to {$15000.00} at that time. After reviewing this discrepancy, the representative acknowledged there XXXX be an issue and stated the matter would be escalated to underwriting, with an expected response timeframe of XXXX hour to XXXX business day. 

On XX/XX/XXXX, I called back to follow up, as I had not received a response. During this call, I was informed that due to deferments and forbearance granted earlier in the loan, the deferred principal was added to the end of the loan. The representative stated that I had agreed to this on a recorded line. While I understand this resulted in the loan being extended by approximately XXXX  months, I was told this also created an additional amount due at the end of the loan. The representative provided an estimated balloon payment of approximately {$7500.00}, but confirmed underwriting was still reviewing the account and would follow up. 

On XX/XX/XXXX, my wife contacted your office seeking the same clarification. Unfortunately, underwriting had still not responded, and no definitive payoff or balloon payment amount was provided. 

On XX/XX/XXXX, I contacted corporate support to obtain an answer. At that time, the representative appeared unfamiliar with the prior discussions and stated the loan would be paid in full at maturity with the title released shortly thereafter. This directly contradicted prior information regarding a balloon payment and the loan extension. After reviewing payment counts and remaining balances, it was again confirmed that the loan maturity date remains XX/XX/XXXX, but no explanation of the balloon payment was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I purchased a vehicle from XXXX XXXX XXXX in XX/XX/XXXX. 

The dealership shut down soon after the sale.

The dealership never sent the title to my lienholder ( Capital One ). 

The XXXX XXXX XXXXXXXX has informed me that they can not issue any more temporary tags, meaning the car is now unusable.

Multiple attempts to locate the title or get clarity from the bank or dealership have gone nowhere.

My lienholder has no record of the title being submitted, and no one can tell me where it is or who is responsible for sending it.

This has left me in an impossible situation. Im paying for a car that I legally can not use. Im requesting a full refund of the money Ive paid for the vehicle, and I am willing to return the car. I would prefer to have this resolved without further payments or complications.

I am making active auto loan payments to Capital One for my XXXX XXXX XXXX ( purchased XX/XX/XXXX ). However, XXXX XXXX XXXXXXXX lists XXXX XXXX as the lienholder on the vehicle title. 
Capital One is collecting payments but does not appear to hold or control the vehicle title, and XXXX XXXX appears to still be listed as lienholder per XXXX XXXX record. Because of this, XXXX XXXX can not issue or correct the title record. 
I have been unable to resolve this through Capital One customer service including the office of the president Capital One Auto Finance since XX/XX/XXXX. I am requesting that Capital One coordinate directly with XXXX XXXX to properly transfer or correct lienholder ownership and ensure the title is correctly recorded with XXXX XXXXXXXX. 
This is preventing normal vehicle administration and affect registration, insurance, or future sale of the vehicle.

Company response to consumer: Closed with explanation