vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
Financial Protection BureauComplaint Department Re : Formal Dispute of Inaccurate Credit Reporting GM Financial To Whom It May Concern, I am submitting this complaint regarding GM Financial and the inaccurate and incomplete reporting of a repossession account on my credit report. The account in question relates to a vehicle that was repossessed in or around XX/XX/year>. However, GM Financial has failed to provide complete and accurate information regarding this account, both before and after the repossession took place. Specifically, I am disputing this account due to the following : I was not properly provided with clear and timely information regarding the status of prior to repossession or post repossession. I did not receive adequate notice outlining my rights, options to cure the default, or details surrounding the repossession process. Following the repossession, GM Financial has failed to provide full documentation, including but not limited to : A complete payment history Details of the balance owed Information regarding the sale of the vehicle ( including date, price, and any deficiency balance calculation ) The information currently being reported to the credit bureaus is incomplete, inaccurate, and/or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that is inaccurate or can not be properly verified. Due to GM Financials ' failure to provide sufficient documentation and transparency, I am requesting that this account be removed entirely from my credit report. I respectfully request that GM Financial : 1 Provide complete and verifiable documentation supporting the validity of this debt, or 2 Immediately remove this account from all credit reporting agencies if such documentation can not be provided. I also request that the CFPB investigate this matter and ensure that GM Financial complies with all applicable consumer protection laws. Please confirm receipt of this complaint and provide updates regarding the investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: InDebted Corporation
State: MD

Complaint narrative:
On XX/XX/year>, InDebted USA , Inc. initiated contact with me via email regarding an alleged debt. The agency violated Section 809 ( a ) of the FDCPA by failing to provide the mandatory written validation notice containing my legal rights within 5 days of the initial contact. On XX/XX/year>, I sent a formal dispute and debt validation request via Certified Mail ( # XXXX ). As proven by the USPS receipt from XXXX, MD XXXX, the postal service took possession of the item on that date. Despite the legal requirement to cease collection efforts until the debt is validated ( Section 809b ), the agency persisted in its collection activities. On XX/XX/year>, I sent a second formal notice via Certified Mail ( # XXXX ) demanding a total Cease and Desist of all communications ( Section 805c ). InDebted received and signed for this legal instruction. Despite this, today, XX/XX/year>, at XXXX XXXX., the agency willfully ignored my legal order and sent a new collection email. This constitutes a repeated and willful violation of my consumer rights under federal law. I am attaching all mailing receipts and the evidence of the violation received today. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Receiving a summons and being sued by a major institution like Navy Federal Credit Union is a profound shock that ripples through every facet of one 's life. It is not merely a legal or financial transaction ; it is a heavy emotional burden that can quickly spiral into a deep sense of despair. When a creditor demands {$200.00} a montha sum that simply does not exist within a limited budgetthe resulting financial claustrophobia creates a relentless cycle of anxiety and mental exhaustion. The initial moment of being served is often characterized by a paralyzing sense of shame and fear. For many, a credit union represents a partnership, making the transition from member to defendant feel like a personal betrayal. This legal pressure acts as a constant weight on the mind, leading to a state of clinical depression where the future feels narrow and bleak. The mental energy required just to process the reality of a lawsuit often leaves little room for daily functioning, making even small tasks feel like insurmountable obstacles. The most overwhelming aspect of this struggle is the disconnect between the courts demands and financial reality. When you are not earning enough to cover basic necessities, a fixed monthly payment like {$200.00} feels like an impossible decree. This gap creates a " no-win '' scenario that fuels feelings of hopelessness and inadequacy. The pressure to provide for one 's family while facing aggressive collection tactics can make one feel trapped, as if the system is designed to punish those who are already struggling. Ultimately, surviving a legal battle with a creditor requires more than just financial planning ; it requires immense mental resilience and a refusal to let a debt define one 's worth. While the depression and overwhelm are valid responses to an incredibly stressful situation, it is crucial to remember that legal processes have avenues for negotiation based on actual hardship. Seeking supportwhether through legal aid or mental health resourcesis a vital step in navigating this storm and reclaiming a sense of agency over one 's life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My XXXX business account was permanently closed and funds are being held for 180 days, through approximately XX/XX/year>. When I contacted XXXX by phone, I was told the account was flagged and closed because a login was detected from XXXX. The login in question was made by our company 's authorized accountant, based in XXXX, who accessed the account in the ordinary course of her accounting duties. This was not an unauthorized access or a security breach it was a routine internal action by a trusted, authorized employee. Neither she nor I were aware this would trigger an account closure. There are no disputes, chargebacks, or fraud claims associated with this account. The account had a clean transaction history. Our company is a legitimate U.S.-incorporated technology business with active operations and employees. The XXXX fund hold is causing severe and ongoing harm to our business operations. We are unable to pay staff, vendors, and fulfill operational commitments as a direct result of this retention. I am requesting that the CFPB facilitate a review of this case and the expedited release of our retained funds, given that the account closure was triggered solely by an automated geographic security flag not by any financial misconduct, fraud, or Acceptable Use Policy violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
The CASH APP, company said it was safe to apply my bank account. Customer service in XXXX. I use the app to send funds to my family. My bank ( XXXX ) Texas transactions : XXXX ) XX/XX/XXXX Cash App * XXXX XXXX XXXX..... XXXX XXXX ) XX/XX/XXXX Cash App * XXXX XXXX XXXX....... XXXX XXXX ) XX/XX/XXXX Cash App * XXXX XXXX XXXX ...... XXXX XXXX ) XX/XX/XXXX Cash App * XXXX XXXX XXXX ...... XXXX I reported fraud, on XX/XX/year>..... No action taken, no email of my case being opened. i was told to close the account, No customer service said since the account was closed, there not able to see the transactions. I have XXXX income household, i would like my money back. I keep calling no action taken.. I attempted to go thru my bank, but they said Cash app verified the charges. I get emailed any transaction i make, i didn't get a email for the fraud transactions. Only bank withdrawals... Just to note : The bank took the fraud refunds back from my account since Cash App verified the fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I made a payment to my mortgage company for a trial modification on XX/XX/year> at XXXX XXXX payment was due on or before XX/XX/year>. I placed the payment but accidentally selected a bank account that was not active, my current bank account information was not there not sure why. I didnt noticed this until XX/XX/year> of payment error. On XX/XX/year> I remade the payment at XXXX, a few days later I called Pennymac to see if everything was in order thats when I was notified I was under foreclosure due to late payment. I tried explaining to them the issue and if I would be able to get reinstated in the plan they said no, to call back later for more options. I called another number they gave me and was told the same thing again. I have proof of my payments and that there was enough funds in my account for the payment to process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Dear XXXX, I recently received notice that a check for {$42.00}, written on XX/XX/year>, to XXXX, was returned by XXXX. At the time the check was issued, I had sufficient funds in my account, and I also maintain an overdraft protection plan linked to my savings account. In addition to the returned check, I was charged a {$30.00} processing fee by XXXX. I respectfully request that this fee be reversed, my checking account be reviewed, and a clear explanation be provided as to why the check was returned. Please feel free to contact me via email at XXXX or by phone at XXXX. Thank you for your prompt attention to this matter. Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I received a Money Network prepaid card for the California Middle Class Tax Refund. However, I am completely unable to access my funds. The card does not work for ATM withdrawals, does not work for purchases or cash back at retailers like XXXX, and my online account does not provide any option to set a PIN or transfer funds. I have attempted to contact customer service multiple times, but calls are either disconnected or not answered after long wait times. This effectively prevents me from accessing government-issued funds that belong to me. I am requesting immediate resolution, either by fully activating my card and removing all restrictions, or issuing a replacement payment via check.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 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: Paypal Holdings, Inc
State: CT

Complaint narrative:
I am writing this as a formal notice regarding ongoing unauthorized charges to my account. I signed up for a XXXX free trial in late XXXX and canceled that same day. Despite this cancellation, XXXX has continued to charge my card {$11.00} every month since. I have contacted your support team multiple times to resolve this, only to be told that your " 48-hour cancellation policy '' justifies these recurring charges. I do not accept this explanation for the following reasons : Proof of Cancellation : I canceled my subscription in XXXX. Even if a " 48-hour window '' caused a lapse for the first month, it does not grant XXXX the right to continue charging me for subsequent months ( XXXX and XXXX ) after my intent to cancel was made clear. Lack of Consent : I have not used the service since XXXX, and I have explicitly revoked my consent for XXXX to withdraw funds from my account. Consumer Rights : Continuing to charge a customer months after a cancellation request is a violation of fair billing practices and consumer protection laws. I require the following actions to be taken immediately : Refund : A full refund of all charges made to my account since my initial cancellation in XXXX. Termination : Immediate confirmation that my subscription is terminated and that no further payment attempts will be made. Data Deletion : The removal of all my credit card and PayPal information from your billing systems. I do have screenshots of all emails, and payments from my bank account that were made if needed to be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I did a balance transfer using my Bank of America credit cards that was supposed to go directly into my checking account with XXXX bank. This is the same checking account that I use to make payments to Bank of America. I can only see the last four digits of my checking account number on Bank of America 's website. I have made numerous attempts to contact Bank of America and XXXX XXXX Bank to get this resolved. I have a letter from Bank of America stating that this balance transfer went into my checking account that is in my name on XX/XX/XXXX and they provide me the last XXXX digits of my checking account. The letter tells me that I need to contact XXXX XXXX Bank. XXXX XXXX Bank sent me a copy of my statement showing that no such deposit was received from Bank of America and signed the letter. XXXX XXXX Bank asked for the ACH trace number and Bank of America keeps having different people call me directly to discuss this issue but no one seem to know what a ACH trace number is. The last person I talked to from Bank of America on XX/XX/XXXX assured me this issue was escalated and I was told that a Vice President was going to call me by XX/XX/XXXX and that never happened. I also left messages for the last person who contacted directly and have left messages and now they are no longer returning my calls. I am not sure why I need to be involved with an ACH trace number, especially when Bank of America is never providing me that number to pass on to XXXX Bank. I am unsure how I, as a Bank of America XXXX, could provide their banking details about a balance transfer that was sent to XXXX XXXX Bank. Bank of America is refusing to take this balance transfer off my account and have not provided me a ACH trace 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 monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hillcrest Davidson & Associates
State: CA

Complaint narrative:
I am filing this complaint against Hillcrest for continued violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have been disputing this account for several months, requesting proper validation and verification of this alleged debt. Despite my repeated and timely disputes, Hillcrest has failed to provide any competent evidence that this account is accurate, valid, or even belongs to me. Instead of complying with federal law, Hillcrest has : Continued to send generic billing statements, which do NOT constitute proper validation Failed to provide a signed contract or any documentation bearing my signature Ignored my most recent disputes entirely and ceased responding Continued to report this account on my credit report, despite it being disputed and unverified A billing statement is NOT validation. Under 15 U.S.C. 1692g ( b ), I am entitled to proper validation of the alleged debt. Additionally, under the FCRA ( 15 U.S.C. 1681 ), all information reported must be accurate, complete, and verifiable. Hillcrests actions clearly demonstrate : Failure to conduct a reasonable investigation Failure to validate the debt Knowingly reporting inaccurate or unverified information Ongoing harm to my credit profile through illegal reporting At this point, their continued reporting without validation is willful noncompliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: IL

Complaint narrative:
A rental assistance payment was issued by the Illinois Housing Development Authority ( IHDA ) in the amount of {$8800.00} to my landlord/property management company ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX ). This payment was sent and cashed on XX/XX/year> and was intended to cover rent for the period of XX/XX/year> through XX/XX/year>. Despite this verified payment, the account is still being reported to a debt collector with an outstanding balance that does not reflect the IHDA payment. The balance appears inaccurate and has not been properly updated or reconciled. I have contacted the property management company to request a full rent ledger from XX/XX/year> to present, an explanation of how the XXXX payment was applied, and correction of any remaining balance. I also requested confirmation that the collections reporting would be updated to reflect the correct balance. I have not received a clear resolution or verification of how the payment was applied. I am requesting that the debt be fully reviewed, validated, and corrected to reflect the IHDA payment that was issued and cashed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NH

Complaint narrative:
In XX/XX/XXXX, my XXXX lease matured. I attempted to make payments several times between XX/XX/XXXX and XX/XX/XXXX. Each time, Toyota 's automated phone system told me my lease had matured and directed me to contact my dealership. The dealership did not return my calls. Toyota Motor Credit continued to call me to collect payment while their own system prevented me from paying. During this entire period, the only written communication I received from Toyota was customer satisfaction survey emails no information about my account status, options, or consequences. On XX/XX/XXXX, my vehicle was repossessed. The car has been accruing daily storage fees for XXXX weeks. A Toyota dealership employee has been working for five days to find a resolution and has been unable to do so within Toyota 's own system.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am disputing a {$520.00} transaction with XXXX XXXX ( Claim # XXXX ). The sneakers I received have factory defects, specifically a major structural gap where the lining and stitching have separated. I provided high-resolution photos of these defects to Chime, showing the merchant 's security tags are still attached to the shoes. Despite this evidence, Chime denied my claim. I followed up with a formal appeal and a legal request for the 'Discovery Documents ' ( the merchants evidence ) as permitted under Regulation E. Chime has completely ignored my request for these documents and has now marked my case as 'Resolved ' in their system without contacting me. I am a maritime worker departing for a remote assignment in XXXX on XX/XX/XXXX. Chimes failure to provide the requested documentation or a fair review of my evidence before I lose reliable communication is a violation of my consumer rights. I am requesting a full reversal of the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
Capstone Credit & Collection Services is reporting a collection account with a balance of {$12000.00} related to an eviction matter. Court records from XXXX XXXX, Florida confirm that NO monetary judgment was entered in this case.The Final Judgment of Eviction awarded possession ONLY and did not award rent, damages, attorneys fees, or court costs. Because no money judgment exists, there is no courtapproved balance to collect or report.The amount being reported by Capstone is not supported by any final judgment, does not match any court determination, and is therefore inaccurate and legally unverifiable under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ) .I previously sent formal debt validation requests to Capstone by certified mail. Capstone has failed to provide lawful validation establishing the existence or amount of this alleged debt.Reporting a balance that does not exist, and can not be verified against official court records, constitutes a material misrepresentation of the legal status and amount of debt.

Company response to consumer: Closed with explanation