vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: IL

Complaint narrative:
I received am email from XXXX bank indicated that i put in an application for a checking account and it was currently in review. I contacted them and alerted them that this was fraud and they checked the pending applications and verified that the attempt had already been rejected and they advised that i file a report with the FTC and put a freeze on my credit because it appeared that my information has been compromised.

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 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one paid on two separate accounts XXXX and XXXX using my banking information two separate peoples bills. I asked to submit fraud claims and they refused said to fo it with my bank. I szid I was already doing that but wanted to know who was providing my banking information to other accounts because it was coming from Capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Stenger & Stenger, P.C
State: GA

Complaint narrative:
I had an old credit card account from years ago I was paying on it and hit hard times and wasnt able to pay anymore which was my mistake. Well, they sold the debt to a third party. Then supposedly a law office took over the debt and contacted me threatening to sue me if I didnt pay. I went online and made an account and tried to set up a payment plan of {$20.00} a month. They refused it. And still threatened to sue me. The credit card was XXXX XXXX XXXX ( XXXX ) then a third party bought it called XXXX XXXX XXXX, then another called XXXX XXXX and now a law office has control over it called XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a legal recovery setoff in the amount of {$3200.00} that was taken from my checking account. These funds were deposited from a recent IRA withdrawal ( approximately {$12000.00}, with a balance of about {$7000.00} at the time of deposit ). This withdrawal was made due to financial hardship, and I have already incurred significant penalties and fees to access these funds. I am requesting a full investigation into this matter for the following reasons : The debt associated with this setoff appears to be extremely old ( approximately 10 years ), which may place it beyond the applicable statute of limitations. I was not provided clear prior notice that these funds would be taken. The funds originated from a retirement account and were withdrawn due to hardship circumstances. I am requesting validation of the debt, including : The original creditor The date the debt was incurred The original balance and calculation of the amount taken The legal basis for exercising the right of setoff on this specific deposit Given these concerns, I am requesting that Wells Fargo : 1. Provide full written validation of this debt 2. Review the legality of this setoff 3. Refund the amount of {$3200.00} if the action is found to be improper If this matter is not resolved, I am prepared to escalate this complaint to the Consumer Financial Protection Bureau and other appropriate regulatory agencies. Please respond to this request within a reasonable timeframe. Sincerely, 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 2026-03-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I am filing this complaint against Citibank ( Retail Services ) regarding a systemic and recurring technical barrier on their payment portals for the Home Depot and Best Buy credit cards. The Issue : Every time I attempt to log in to make a payment, the system triggers a 'security ' block or an incorrect password error, forcing a mandatory password reset. After resetting the password and successfully logging in once, the system repeats this exact loop during the next billing cycle. The Impact : These constant login failures and password loops act as a 'Dark Pattern ' that obstructs my ability to access my account to pay on time. This has resulted in late payments and subsequent late fees. Action Taken : I have attempted to resolve this through standard reset procedures, but the failure is systemic and server-side.

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 2026-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
b'I have a loan with Ally that I want to pay off for XXXX I received a check with my Home purchase to pay off the loan with Ally with account number XXXX XXXX XXXX XXXX. The check was sent to Ally to XXXX XXXX XXXX, XXXX TX, XXXX. After not seeing it posted I contacted them at XXXX. They stated that the address that I sent it to was the credit card department that I needed to contact the Finance department at XXXX so I did. I called and asked them several times to see where check number XXXX is and why it has not been posted because it was sent on XXXX XXXX and it was cashed on XXXX XXXX by Ally. They gave me a tracking number for a miss applied funds investigation of XXXX XXXX,\nAs of XXXX XXXX the funds of XXXX have not been applied to the XXXX XXXX XXXX XXXX account but the bank has cashed the check. They said that they would call me on XXXX XXXX, and I did not receive a call from Ally regarding this investigation and the proper application of funds to pay off the car loan.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: Stellantis Financial Services US Corp.
State: MD

Complaint narrative:
On XX/XX/year>, after purchasing a new vehicle I have requested for the extra warranty to be cancel since today the refund never got applied to the loan principal. I made numerous attempts to contact the original dealership and the bank who finance the loan does not resolve to this day

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 2026-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC

Complaint narrative:
XXXX incorrectly reported my mortgage as 90119 days delinquent for XX/XX/XXXX, and they furnished this delinquency to XXXX in the first week of XX/XX/XXXX. My XXXX file clearly shows Account In Forbearance from dec. XXXX to XX/XX/XXXX. I received a written forbearance approval letter dated XX/XX/XXXX, confirming a {$0.00} payment for XX/XX/XXXX through XX/XX/XXXX. During this period, I also called XXXX multiple times requesting an extension and assistance before and after the XX/XX/XXXX expiration. Despite the active forbearance and my ongoing communication, XXXX verified the late payments as accurate in my XXXX dispute ( Confirmation # XXXX ) and did not provide documentation proving delinquency. Reporting late payments during an active forbearance plan or review is not permitted under federal mortgage servicing rules. These inaccurate late payments, reported in early XX/XX/XXXX, are now harming my ability to qualify for a new mortgage. I am requesting that XXXX correct the reporting and remove the delinquency from all credit bureaus.

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 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX I received notification that a large payment was transferred to my CC account from my Checking account within the same bank, TD Bank. This payment was not authorized by me. My automatic payment was for the minium due and I had already previously submitted XXXX payments, for {$150.00} each, so NO payment was due. I called XXXX 's on XX/XX/XXXX and spoke to a XXXX on the XXXX call who informed me that the bank was aware of the error ( it happened to numerous customers ) and my monies would be put back into my TD checking overnight. This did not happen. I called again on XXXX and spoke to the a XXXX, who informed me that this was now being escalated and should be resoled within XXXX. Again my monies, {$1400.00} were not deposited into my checking account. I called again on XX/XX/XXXX and was again told that my issue had been escalated. The manager ( supervisor ) actually put me on hold and came back to inform me that she was communicating directly with the department that could assist me with this banking error. She said I would have my monies either by XX/XX/XXXX ( overnight ) or by XX/XX/XXXX. Once again this did not happen. On XX/XX/XXXX I went to my local bank and was helped by a bank XXXX. She placed a call to the XXXX division and was told approximately the same story. As of today XX/XX/XXXX I have not received the money back that TD Bank took from my checking account without authorization. I placed XXXX more calls to the XXXX division and was again not helped. The supervisor, XXXX, that I spoke to on XX/XX/XXXX spoke down to me and was both rude and abrupt. She said that this error was never escalated but she would do that now (? ). I also spoke to my local bank manager on XX/XX/XXXX who said she would call them again. The phone call today was met eith a condescending tone. I was informed by the representative that I would not get MY {$1400.00} until XX/XX/XXXX. This is completely unfair and has caused me undue stress. I have been unable to pay another XXXX account in full causing me to acrue interest. I have had to borrow money for my housing payment. I would like this to be reported so it's being made aware of to whoever can actually change this procedure in the future. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am filing this complaint regarding Synchrony Banks improper assessment of deferred interest and failure to provide accurate payoff information on my XXXX XXXX credit account. In XX/XX/XXXX, I made a purchase of approximately {$8000.00} under a no interest if paid in full promotional offer. I understood that the full promotional balance had to be paid by the expiration date in XX/XX/XXXX to avoid deferred interest. I made substantial payments toward this balance over time and was actively working to satisfy this requirement. Prior to the promotional expiration date, I contacted Synchrony Bank to request the exact payoff amount required to avoid deferred interest. I was provided a payoff amount of approximately {$1500.00}. I relied on this information in good faith and made payments based on that amount, believing I was satisfying the promotional balance. After the promotional period expired, Synchrony assessed approximately {$3300.00} in deferred interest, claiming that I did not pay the full promotional balance. When I disputed this, Synchrony stated they had no record of providing the payoff amount I was given and refused to remove the interest. Additionally, my account at times displayed no minimum payment due, which contributed to confusion regarding the remaining amount required and the urgency of payment. This is misleading in the context of a deferred interest promotion, where full payoffnot minimum paymentis required. I made a good faith effort to comply with the promotional terms and relied on payoff information provided by Synchrony. The deferred interest charges were assessed as a direct result of inaccurate payoff information and unclear account communication. I request that Synchrony : Remove the deferred interest charges of approximately {$3300.00}. Adjust my account balance accordingly Review all call recordings and account notes related to my payoff inquiry prior to the promotional expiration date Supporting documentation has been provided. I request a full review of this matter.

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 2026-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I originally had a car loan from XXXX XXXX they sold the debt to XXXX I was pulled over my XXXX XXXX constables for unpaid tolls and the vehicle was taken over a year ago i called XXXX XXXX trying to locate it they pulled it up and informed that my vehicle had to be stolen by the tow truck driver and advised me to tell the finance company to call them with the vin and they would them to called I contacted XXXX and they were rude and told me they wasnt contacting anyone I was not approved for my house because of this bad debt for a vehicle that has not been in my possession in years

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MN

Complaint narrative:
I am filing this complaint against the furnisher for reporting inaccurate, misleading, and unverifiable information on my consumer credit reports, and for failing to correct these issues despite multiple disputes. The account in question is being reported in a manner that is internally inconsistent, lacks proper documentation, and does not meet the accuracy standards required under federal law. Despite prior disputes, the furnisher has continued to verify this account without providing any competent evidence, documentation, or records to support the reported information, including alleged payment history, account status, or delinquency. Under the Fair Credit Reporting Act ( FCRA ), all information reported must be 100 % accurate, complete, and verifiable. If a furnisher can not substantiate the information with proper documentation, the information must be removed. The continued reporting of this account constitutes violations of : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Failure to properly investigate and correct disputed information Additionally, verifying disputed information without evidence demonstrates negligent and potentially willful non-compliance, as it reflects a reckless disregard for the accuracy and integrity of consumer data. I have also not been provided : A complete payment history ledger Original account-level documentation bearing my signature Billing statements supporting the alleged reporting Any records used during the investigation to verify this account Without this documentation, the account is unverified and legally unreliable. Furthermore, any continued reporting of unverified information after disputes have been submitted constitutes materially misleading reporting and ongoing harm to my credit profile. Requested Resolution I am demanding the following : Immediate deletion of this account from all consumer reporting agencies ( XXXX XXXX XXXX XXXX ) Written confirmation that the account has been removed A description of the investigation conducted and the method used to verify the account If the furnisher is unable to produce documented, verifiable proof, they are required under federal law to permanently remove this account immediately. Failure to comply will result in further escalation to the CFPB supervisory division, Federal Trade Commission, and State Attorney General, and I will pursue all available remedies for willful violations of the FCRA. This is my formal demand for deletion and final notice before escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am submitting this complaint regarding my Apple Card account issued by Goldman Sachs. This account became delinquent during a period of financial hardship. Since that time, I have taken responsibility and resolved the account, which now reflects a XXXX balance. Despite the account being settled, it continues to report as a charge-off with the remark settled for less than full balance, and continues to negatively impact my credit profile. Additionally, the account is still being actively updated as recently as XX/XX/year>, prolonging the derogatory impact. I have made good faith efforts to address this directly with the creditor and am now requesting assistance. Given that the account has been resolved and carries no balance, I respectfully request that Goldman Sachs : XXXX. Remove this account from my credit reports entirely, or XXXX. At minimum, update the account to remove the settled for less than full balance remark and any continued derogatory reporting. This account no longer reflects my current financial behavior, and I am actively working to rebuild my credit. I appreciate your review and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Abrahamsen Gindin LLC
State: NJ

Complaint narrative:
On or around XX/XX/XXXX i received a notice from XXXX XXXX representing lvnv funding that they were interested in taking me to court for XXXX credit cards they were asking for around XXXX, on XX/XX/XXXX, i went to court and settled for XXXX total ( XXXX on XXXX card XXXX on the other ) im on ssdi limited income the judge understood and granted my request XXXX per month on each ( XXXX total ) i have the court order issued XX/XX/XXXX, i paid my monthly payments as instructed by the court, they refuse to honor the cout order their website continues to say inaccurate crazy amounts above the settlement, i only got them on the phone once out of around XXXX calls and they sent me out on XX/XX/XXXX a letter saying i owed around XXXX, i am beyond frustrated i am on XXXX for a XXXX XXXX XXXX and anxiety and dealing with this dishonest behavior from XXXX XXXX XXXX XXXX has caused me loss of sleep and severe emotional distress

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MN

Complaint narrative:
I was walking down the street and some dude walked by and grab my phone and sent the money to himself. Then he proceeded to steal my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: NJ

Complaint narrative:
I've tried on multiple occasions to get proper reporting of said debt, company denied status being reported initially and recently I received email response from company ( XXXX ) which did not respond accurately to my last CFPB complaint at which time they stated debt had been sold

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: NM

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Tek Collect XXXX XXXX XXXX XXXX XXXX OH XXXX Re : Account Number XXXX To Whom It May Concern, I am writing to formally dispute the validity of the above-referenced account. I do not acknowledge any contractual obligation between myself and your company, nor do I have any agreement with your agency that would require me to pay this alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide full validation of this debt, including but not limited to : Proof that I have a legal obligation to pay this debt A copy of the original signed agreement or contract Documentation showing your authority to collect on this account A complete payment history and itemization of the alleged balance Until such validation is provided, I request that you cease all collection activities and communication regarding this account. If you are unable to provide proper validation, I request that this account be removed from my credit report and that you notify all credit reporting agencies to which you have reported this account to delete it. Please note that reporting inaccurate or unverified information to credit bureaus may constitute a violation of the Fair Credit Reporting Act ( FCRA ). I expect your response within 30 days of receipt of this letter. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: CT

Complaint narrative:
Wile attempting to work with my servicer to correct years of mismanagement of my student loans, an Aidvantage representative sent my entire loan history to other borrowers and additionally, sent other borrowers information to me. The issue of being steered into 13 consecutive forebearances without being provided a reasonable payment plan option has caused my loan balance to more than double. And now I have to freeze my credit because the company has shared my sensitive data. This company needs to be held accountable, they are criminals. I realize in XXXX XXXX 's world, only the rich will be protected, which is why I am now hiring my own lawyer to hold her and these companies accountable.

Company response to consumer: Closed with explanation