vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I made a supposedly new vehicle purchase at Toyota XXXX XXXX at XXXX XXXX XXXX, XXXX, TX XXXX on XX/XX/year> and I found out a week after I was able to have access to my online account that it was a lease instead of a purchase which was what I intended to do. I even turned in my used vehicle as the down payment for the purchase I was making. The finance XXXX XXXX gave me false information. He did tell me that he was unable to give me the XXXX XXXX since until I had access online. When I found out about this situation I went back to the dealership which was on XX/XX/year> and explained it and they said I couldnt do nothing because I had already signed a contract. I just decided to file a complaint because I have been hearing of other several cases of happening the same to them at the same location. I hope there is something I can still do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC
State: OH

Complaint narrative:
I am writing to you to request that you remove the following unauthorized inquiry ( XXXX ) from my credit report : Creditor : credco, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry Date Attached is a copy of the letter that I have sent directly to the creditor disputing their reporting. 
I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

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 2026-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding Experians failure to conduct a reasonable reinvestigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

I disputed the accuracy of a collection tradeline reported as XXXX XXXX XXXX, account number ending in XXXX, specifically identifying inaccuracies in the payment history structure and reporting method. 

The account is reported as a collection yet reflects continuous monthly C ( collection ) notations from XX/XX/XXXX through XX/XX/XXXX. A collection account does not incur recurring monthly delinquencies once placed in collection. Reporting a new collection status each month falsely represents ongoing delinquency activity and constitutes improper re-aging. 

In addition, the tradeline reports Terms : 1 Month, which is inaccurate for a collection account, and fails to clearly identify whether the reporting entity is the original creditor or a third-party debt collector. No collector name or phone number is provided. 

Despite these specific disputes, Experian responded that the account was verified without correcting or explaining how the rolling payment history, account terms, or furnisher identification were validated. This indicates Experian relied on automated verification rather than conducting a reasonable reinvestigation as required by 15 U.S.C. 1681i ( a ).

Experian is reporting materially misleading information that exaggerates the recency and severity of this collection account. If Experian can not substantiate the accuracy of the payment history structure, account terms, and furnisher role with competent evidence, this tradeline must be corrected or deleted. 

I am requesting that the CFPB require Experian to demonstrate how this account was verified and ensure compliance with the Fair Credit Reporting Act.

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 2026-01-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am writing for several complaints regarding Carecredit. 1 ) I am unable to login to my account online. Carecredit changed the login process earlier this year requiring me to change my username. I attempted to update this information, however they want access to my cellphone through an
OTP code in order to do this. Per the disclaimer that they give in doing this, utilizing the OTP would give them access to all my private information on my phone. I declined to do this and therefore they will not let me access my account. I contacted them several times and even spoke to their technical department and they told me that there is nothing they can do. I am not able to see my statement and I do not think it's appropriate for them to have access to my private information.

2 ) Since I was unable to access my statement online, I asked them if they could mail my statement, since they have changed the online process. They told me that I would be charged a monthly fee in order to get my statement. Otherwise they will not send it to me.

3 ) I signed up for the credit card promotion of 0 % financing for 12 months. Apparently, at the end of the 12 months, because the balance was not paid off, I was charged over {$2000.00} which is the amount in interest I saved. Essentially, they charged it all back.

0 percent interest ra

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 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I use to use Wells Fargo bank and I closed it, and I found out that they had linked my data, my social security number was linked my name, Date of birthday and credit card number

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 2026-01-25 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: DISCOVER BANK
State: NY

Complaint narrative:
In XX/XX/XXXX, I placed an order for XXXX XXXX from XXXX XXXX in the amount of {$94.00}. I was home the day the package was supposedly delivered ( XX/XX/XXXX ), and can confirm it was not delivered ( My mailbox is also locked and USPS lost a credit card that was supposedly delivered that week as well ). I reached out to the vendor via email and phone on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Since I didn't hear back, I disputed the charge with my credit card company and ordered a replacement of the same items. I also filed a claim with USPS, which they rejected ( they also had no response about the credit card they lost ). I provided Discover with evidence of my having reached out to the vendor, filed a complaint with USPS, and ordered the exact items. I also finally heard back from XXXX XXXX who said they intended to refund me since I ordered a replacement, but since the dispute was initiated with Discover, they could not. I provided that evidence to Discover as well. Twice now Discover has rejected my dispute. Their reasoning is USPS claims it was delivered. It wasn't. I was home all day. I would have seen it. They lost it just like they lost the credit card the same week. I have wasted a lot of time on the phone with Discover, and there's no way for me to prove the package wasn't delivered ( I can't prove the absence of something ), but the fact I ordered the same items, reached out to the vendor, and filed a claim with USPS is the closest I can get. I would them to refund me for the items I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
To Whom It May Concern, I am writing in response to your repeated attempts to contact me regarding an alleged debt. This letter serves as formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

I dispute this alleged debt in its entirety. I do not acknowledge owing any debt to your company or the creditor you claim to represent.

Effective immediately, I am refusing to pay this alleged debt. Under 15 U.S.C. 1692c ( c ), you are hereby directed to cease and desist all communication with me, including but not limited to phone calls, text messages, voicemails, emails, and contact with third parties. Any further communication must be in writing only and strictly limited to legally required notices.

Your repeated phone calls, threats, harassment, and any unauthorized actionsincluding wage garnishment without proper notice or court authorizationconstitute violations of the FDCPA, including but not limited to : Harassment or abuse ( 1692d ) False, deceptive, or misleading representations ( 1692e ) Unfair practices ( 1692f ) If you believe this debt is valid, you are required to provide proper debt validation, including : The name of the original creditor The amount allegedly owed Proof that you are legally authorized to collect this debt Failure to comply with this request, or continued attempts to contact me in violation of the FDCPA, will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. I also reserve the right to pursue legal action for statutory damages. I will sue for statutory damages ( {$1000.00} per violation ), punitive damages, and actual damages for negligent noncompliance and emotional distress.

This letter is not a refusal to comply with the law, but a demand that you do so.

Govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I had XXXX  work about two years ago, I had no idea they would rip me off. Ive been paying {$130.00} dollars for two years and my balance hasnt decreased. My balance is still {$4200.00}, and I recently received a statement that they are adding more interest charges, and raising my monthly payment {$230.00}. I didnt know I was signing with a company that pays on interest, and the balance never decreases! I am XXXX  XXXX and on a fixed income. This company is long sharking people that doesnt realize what they are getting into! Please help me because I dont know what else to do!

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 monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: VA

Complaint narrative:
I requested immediate access to my funds, removal of the account freeze, or an alternative method to receive my money ( such as issuance of a check ) due to financial hardship and utilities at risk of shutoff.

Amount {$690.00} Saturday XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 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: FIRST CITIZENS BANCSHARES, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX I found First Citizen 's Bank took XXXX XXXX debits from my checking account on XX/XX/XXXX, for {$7.00} each, without authorization. 

I do not have an auto draft agreement with First Citizens Bank. 
I do not have an account with this bank. 
I do not have a bill with this bank. 
I issue e-checks to pay my dues. 
I do not have a balance with my HOA. 
My HOA did not receive the funds First Citizens Bank took. 

Our HOA property XXXX responded to me on XX/XX/XXXX and said it was XXXX 's mistake. They were not instructed to take funds. 



Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: MO

Complaint narrative:
Aargon Agency Inc. is reporting a medical debt of {$4700.00} on my credit report ( Alleged Creditor : XXXX XXXX XXXX ). I am filing this complaint for three reasons : 1. Aargon is incorrectly listing themselves as the 'Original Creditor ' on my credit report, which is factually false.

2. Aargon violated Nevada SB 248 by reporting this medical debt without providing the mandatory 60-day written notice. I never received a bill or notice from them.

3. I sent a Debt Validation letter via Certified Mail ( Tracking # XXXX ) on XX/XX/year>, but the agency has remained unresponsive.

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 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: CO

Complaint narrative:
Escalation Id XXXX My checking account was closed by the company without advance notice. At the time the account was closed, there were funds remaining in the account. After the closure, I did not receive my funds and was not provided with clear information about when or how the remaining balance would be returned.

I contacted the company multiple times to request an explanation for the account closure, confirmation of the remaining balance, and a timeline or method for the return of my funds. Despite these requests, I did not receive a clear or specific response explaining the reason for the closure or when my funds would be released.

As a result, I have been unable to access my own money following the account closure. I am submitting this complaint to request assistance in obtaining my remaining funds and receiving a clear explanation regarding the account closure and the delay in returning my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: AZ

Complaint narrative:
Subject / Summary : Ongoing Dissatisfaction Remitly Refusal to Issue Provisional Credit or Safely Pursue Fraud Funds I am submitting this follow-up to formally document my continued dissatisfaction with Remitlys handling of my fraud case. Remitly has acknowledged the refund amount of {$5100.00} related to
* 116 fraudulent transactions * sent through their platform. These funds did * not reach the intended recipient account *, and the recipient has been flagged as fraudulent.

Despite this, a Remitly supervisor suggested that I personally pursue the recipient or initiate legal action overseas. This suggestion is * not feasible or safe *. CFPB and IC3 have already been provided documentation showing that I was subjected to * cyberstalking *, and I am no longer in contact with the individual involved for my safety.

Given this context, it is unreasonable and unsafe to expect me to pursue the scammer directly. Remitly is the regulated financial services provider and must pursue recovery on my behalf or provide * provisional credit * while the investigation continues.

Additionally, during my attempt to seek resolution via chat, my Remitly account has been * suspended *, rather than the issue being resolved or a timeline provided. This further demonstrates a refusal to meaningfully address my claim.

I am experiencing * severe financial hardship *, with a current bank balance of approximately * {$25.00} *, and this case has now been ongoing for * over 70 days * since it was first reported on XX/XX/year>. 


# # What to attach ( if the portal allows ) : * Screenshot of chat where : * refund amount ( {$5100.00} ) is acknowledged * account suspension appears * you state dissatisfaction and request refund * Evidence of 116 transactions ( summary is fine ) * Proof of financial hardship ( {$25.00} balance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
HI, I RECENTLY REVIEW MY COPY OF MY CREDIT REPORT AND NOTICE I HAD FRAUDULENTS ON MY REPORT PLEAS REMOVE THESE ACCOUNTS FROM MY REPORT BECAUSE THEY ARE HURTING MY ABILITY TO ABTAIN CREDITS AND OPEN BANK ACCOUNTS WITH SOME BANKS, THANK 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 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
Ive been receiving calls from this company and I dont know them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I bought a XXXX from XXXX XXXX XXXX and paid with XXXX. The product was not delivered and the transaction was challenged as fraudulent with USAA and they sided with the perps.

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 2026-01-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Goal Structured Solutions, LLC
State: CA

Complaint narrative:
I AGREED TO COSIGN FOR MY GRANDSON FOR A CLASS HE WANTED TO TAKE FROM A ONLINE SCHOOL CALLED XXXX XXXXXXXX XXXX XXXXXXXX XXXX, WE GOT THE LOAN AND A MONTH LATER THE SCHOOL CLOSED. I CALLED THE LOAN COMPANY TO MORE UNDERSTAND WHAT WAS NEXT, AND THEY KEPT TAKING MONEY OUT OF MY ACCOUNT XXXX IN WHICH I ASK IN XXXX OF XXXX  FOR A DEFERMENT UNTILL THEY OR WE WORKED SOMETHING OUT AS TO HOW I CAN STILL OWE XXXX DOLLARS FOR A COURSE IN WHICH MY GRANDSON DID'NT RECEIVE AS OF XXXX XXXX MY DEFERMENT IS UP FOR ASCENT FUNDING, AND WONDER HOW MANY OTHERS HAS THIS HAPPENED TO AS WELL. ARE SOME OF THESE LOAN COMPANIES INVOLVED IN THIS SCAM OF LOANING MONEY TO THESE BAD SCHOOLS.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My phone was stolen and I dont have a password, my XXXX was connected to my XXXX, and I was drained of over XXXX XXXX XXXX acknowledged the fraud and XXXX still denied my dispute, which was for rent money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NM

Complaint narrative:
I had {$290.00} in my cash app account and I landed in tXXXX XXXX XXXX XXXXXX/XX/year> and during the XXXX  my phone got lost. I was XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  I was able to log into my account and I seen XXXX transactions that I did not make. I put a dispute and was told it was denied because my code was used to transfer funds over but it's not hard for someone to get the security code if they had my phone. The app opens right up. I want my funds refunded to me. That is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Identity involved in identity theft and a data breach. Asked them to delete from my personal credit report asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shepherd Outsourcing, LLC
State: TX

Complaint narrative:
Account was disputed and deleted from my credit report and proved to be fraudulent. No communication has taken place between the company and myself, and the account attempting to be collected on is greater than XXXX XXXX XXXX. The company continues to call and email me trying to collect on s debt that is fraudulent, not in my correct name, never opened by me, and past the statue to legally collect or contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
HI, I RECENTLY REVIEW MY COPY OF MY CREDIT REPORT AND NOTICE I HAD FRAUDULENTS ON MY REPORT PLEAS REMOVE THESE ACCOUNTS FROM MY REPORT BECAUSE THEY ARE HURTING MY ABILITY TO ABTAIN CREDITS AND OPEN BANK ACCOUNTS WITH SOME BANKS, THANK 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