vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I just recently made a bank account with XXXX. On XX/XX/XXXX, I added {$6.00} to my account through 3 transactions. When I tried to spend MY OWN MONEY or move it out my of my account, I was told I was banned from the service on XX/XX/XXXX. So I can add money and pay fees for instant transfers but I cant spend my own money? Got it. I was told by support Ill receive a follow up email but they literally just told me they will escalate and someone will reach out to me. I feel as if my information was basically stolen. I gave them valuable information to open a bank account and they instantly ban me before I can make a transaction. And support cant help me? I want to be reimbursed. They have my information and theyre using scandalous methods to handle my money. I was banned without reason immediately after I made the account. Of course I can load money into XXXX  but cant take my own money out. I paid a fee for instant transfers just to not even be able to access my funds. Being they have my information, Ive been in a panic since I KNOW these people are not professional after seeing what they did to my account. Im gon na need more than a sorry from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
I have tried to contact this continental finance XXXX and XXXX company several times over and over and they have done absolutely nothing to remove this inquiry from information from my credit report. I then find out that there are 2 accounts with my name and social security but to address I do not live as I could not confirm any more information than my name and social so they refused to give me proper details. I have let them know before that my identity was stolen and several accounts were opened without authorization and they have intentionally ignored this information. I am now requesting that you intervene in my formal complaint before I get my attorney to file a lawsuit against them. They informed me that because I do not have account details they can not help me. However the 2 credit pulls are in my credit report and they did confirm it is 2 accounts under my social but would not say anymore than that.

I want my information removed from their systems and the accounts and inquiries off my credit report. I am a military serviceman and I expect better treatment than this when it comes to fraud.

This is ridiculous at this point.

I have confirmed with my lead in the military legal department that if this company continues to not remove the information from my reports and their system, we will move forward with a lawsuit. As I was not even in the country when these applications were put in for these cards and did not authorize anyone else to use my information for any cards.

I will appreciate your prompt action and remove me from your system and off my credit report thankuou. 


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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
weber & Olse p.l.c. sued and put a lean against my house in XXXX case # XXXX, invoice # XXXX confirmation # XXXX for the amount of {$1100.00}. I paid this in full on XXXX XXXX, 2025. I have been repeatedly calling XXXX XXXX XXXX office to see if they have released it and Weber & Olse continued to tell me it was pending and they were going to send me/and the Deeds a receipt of payment to release my home of Debt paid in full. they sent me a refund check on XXXX XXXX for an over payment I made in the amount of {$88.00}. making excuses since.

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: CA

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: Vehicle loan or lease — Lease
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: Dakota Financial, LLC
State: FL

Complaint narrative:
I owe two payments now Dakota Financial says that I owe nearly {$5000.00} dollars because I have been without insurance since I deactivated my authorities and parked the vehicle but have maintained payments to date. I destroyed the plates and removed decals as instructed by XXXX and the state of Florida. I have been being charged with something that the company calls forced insurance for the whole time that I have not been operating the vehicle. Im barely able to finish with the remaining two payments. I want to obtain the title and sell the vehicle to be out of this financial burden Im presently facing now I have to pay nearly XXXX XXXX XXXX  in fees assessed at the end of this lease purchase agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: MD

Complaint narrative:
I have a loan for graduate school. First the wrong amount was charged to my account so I paid back the XXXX or so to reduce the XXXX loan amount. However my loan has Increased XXXX within a year based jsut on interest. These numbers dont seem correct and are way too high. Sallie Mae refuses to help in anyway, I can not afford this interest. I graduate in XXXX and my interest will jsit keep on increasing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: NC

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding my experience purchasing a vehicle from XXXX XXXX, where I believe I was taken advantage of through unfair and misleading pricing practices. On XX/XX/XXXX, I purchased a used XXXX XXXX XXXX from XXXX XXXX. The dealership listed the vehicle 's cash price as {$22000.00}, but after taxes and fees the total cash price was {$24000.00}. In addition, XXXX was charged {$2600.00} for a service contract and {$1100.00} for XXXXXXXX XXXX, bringing the total charges to {$28000.00}. After a {$3800.00} cash down payment, I was left with an unpaid balance of {$24000.00}, which was financed through American Credit Acceptance at an APR of 24.10 %. Under the contract, I am required to make XXXX monthly payments of {$660.00} beginning XX/XX/XXXX, resulting in total payments of {$47000.00} and a total sale price of {$51000.00} for a vehicle that is worth significantly less according to its actual market and XXXX XXXX value. At the time of purchase, the dealership did not clearly or honestly disclose the true value of the vehicle, and I later discovered that I paid a substantially inflated price compared to what the vehicle is worth. I believe the dealership used deceptive or unfair sales tactics that resulted in me agreeing to a contract that does not reflect a fair or reasonable vehicle price. As a consumer, I relied on the dealership 's representations and expected the transaction to be conducted honestly and in good faith. I am seeking correction of the contract to reflect the vehicle 's XXXX XXXX XXXX value and fair financing terms, or ano XXXX appropriate resolution

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 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: Experian Information Solutions 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 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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIANXXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
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 explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: TN

Complaint narrative:
I am an elderly man and I noticed that from XX/XX/XXXX to XX/XX/XXXX someone was withdrawing money from my robinhood account I contacted robinhood about the fraud and they were supposed to make me a new account but instead just closed my old one and have ignored all forms of communication

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: PA

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: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NY

Complaint narrative:
Jefferson Capital is reporting this false and inaccurate misleading information on my credit report and it's sickening this account has been closed for 2 years and they are saying I opened this account on XXXX of last year which is untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — Conventional home 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: U.S. BANCORP
State: SD

Complaint narrative:
On XXXX XXXX XXXX  the court seized our home and we ( my wife and I ) was arrested for trespassing. We had no late payments the house was seized for a mechanics lien, we was not allowed to refinance to pay the lien. Now US Bank is starting foreclosure and that's there right to do so. We are both on XXXX and I have XXXX, US Bank know all of this but I keep getting harassing calls from US Bank for a payment they know we can not pay. we want the calls to stop and time for the house to sale.

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: Portfolio Recovery Associates, LLC
State: IL

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 non-monetary relief
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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: IA

Complaint narrative:
My bank First Interstate Bank is refusing to investigate a merchant fraud claim. The merchant ( XXXX XXXX ) used counterfeit XXXX postage ( Tracking # XXXX ) which resulted in a federal seizure. I have proof from the XXXX Fraud team, but the bank is refusing to open the case.

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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am disputing unauthorized electronic transfers that were sent to a shipping address in XXXX, XXXX, which is not associated with me. Navy Federal initially issued provisional credit, then reversed it and denied my claim. 

I filed a formal appeal on XX/XX/XXXX ( Incident XXXX ). Under Regulation E ( 12 CFR 1005.11 ), Navy Federal was required to either complete the appeal investigation or issue provisional credit within 10 business days. That deadline passed on XX/XX/XXXX. 

On XX/XX/XXXX, Navy Federal confirmed in writing that my appeal was being delayed because they are working appeals received prior to mine, meaning they are not complying with federal timelines. 

I am requesting immediate provisional credit or completion of the investigation as required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is in relation to a previous complaint i have, bank of America had a rep from the XXXX escalation department call me and say that she would call me again with a result or resolution in a few days it has been XXXX weeks and Ive heard nothing. I have tried to contact her XXXX plus times with the number and extension she provided me XXXX XXXX To no avail. If we could try and have someone else reach out to follow up I would greatly appreciate it.

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 — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Settlement was made and paid, company only reported what was paid and not XXXX balance? They have it on the notes, but did not updated yet.We received the letter saying it was complete.Unless our payment didn't go through but we got this letter XXXX weeks after we already paid, it cleared from our bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I've called Wells Fargo XXXX different times now to change the auto pay on my mortgage that I've had with them since 2021. I've received multiple confirmation numbers from their phone representatives stating they have set up the auto pay. However, I keep getting emails from Wells Fargo stating there's issues with my payment and the payments aren't coming out of my bank. 

The reason I first changed the bank account was because I was closing the bank account I had used for years to pay the mortgage. I was told it was going to be processed in time. 

This did not happen. When I called back, they said the payment was reversed because it could not locate the account ( because I closed it ). 

I then set up the auto pay again and had to also pay XXXX 's payment on the phone first. I completed this and received a confirmation. 

The money was never taken out and then I needed to call again and was told there was now an issue with the one-time payment. 

All of the payments are from Wells Fargo accounts, there's always been more than enough money in the accounts to cover the payments, and this has taken time away from work having to continually call in and is creating stress budgeting wise and I do not want their incompetence to affect my credit score, payment history, etc.

My payments should come out the first of every month.

I can not keep taking the time to call in just for nothing to get taken care of. Each time you call in, you have to go through the automated system which takes forever and then talk to workers who clearly can't handle simply setting up payments. Very unprofessional and unhelpful! This needs to be addresses ASAP or I will be closing all Wells Fargo accounts / credit cards / everything.

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 non-monetary relief